TFC Stock Analysis: Truist Financial | NYSE
Banks - Regional | NYSE, USA | Market Cap: 57.636m USD | 12M Return: 6.9% | US89832Q1094 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 350M
EPS Trend: 53.0%
Qual. Beats: 2
Rev. Trend: 18.6%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Truist Financial Corporation (NYSE: TFC) is a U.S. financial services company headquartered in Charlotte, North Carolina, that provides banking and trust services primarily across the Southeastern and Mid-Atlantic United States. The company operates through two main segments: Consumer and Small Business Banking, and Wholesale Banking, offering a broad range of deposit products (checking, savings, money market, CDs, IRAs) and lending services including mortgage, home equity, credit card, commercial, and small business lending. It also delivers wealth management, investment banking, capital markets, treasury, insurance premium finance, and merchant services. The company was founded in 1872 and was formerly known as BB&T Corporation before adopting the Truist name in December 2019, following the merger with SunTrust Banks.
As a Regional Bank under the GICS classification, Truist operates a geographically concentrated business model focused on retail and commercial banking within its core footprint, supplemented by wholesale and investment banking capabilities that compete with larger money-center banks. The combined BB&T–SunTrust merger created one of the largest U.S. regional banks by assets, with a dual-segment structure that separates consumer-facing activities from corporate and institutional services.
- Net interest margin compresses as Fed rate cuts pressure loan yields
- Commercial real estate loan losses elevate credit provisions
- Deposit growth in Southeast markets supports loan demand and funding stability
- Wealth management and insurance fees expand on higher AUM and client activity
| Net Income: 5.84b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.31 > 1.0 |
| NWC/Revenue: -1.40k% < 20% (prev -1.19k%; Δ -208.1% < -1%) |
| CFO/TA 0.01 > 3% & CFO 5.80b > Net Income 5.84b |
| Net Debt (65.2b) to EBITDA (7.51b): 8.68 < 3 |
| Current Ratio: 0.01 > 1.5 & < 3 |
| Outstanding Shares: last quarter (1.24b) vs 12m ago -5.05% < -2% |
| Gross Margin: 64.02% > 18% (prev 59.72%; Δ 4.30% > 0.5%) |
| Asset Turnover: 5.55% > 50% (prev 5.59%; Δ -0.04% > 0%) |
| Interest Coverage Ratio: 0.70 > 6 (EBIT TTM 6.81b / Interest Expense TTM 9.67b) |
| A: -0.77 (Total Current Assets 4.71b - Total Current Liabilities 432b) / Total Assets 556b |
| B: 0.05 (Retained Earnings 27.7b / Total Assets 556b) |
| C: 0.01 (EBIT TTM 6.81b / Avg Total Assets 550b) |
| D: 0.13 (Book Value of Equity 64.1b / Total Liabilities 492b) |
| Altman-Z'' = -4.65 = D |
As of September 29, 2026, the stock is trading at USD 47.09 with a total of 6,434,714 shares traded. Over the past week, the price has changed by -3.90%, over one month by -6.62%, over three months by -5.98% and over the past year by +6.94%.
Current recommended Stop Loss: 45.40 (which is 3.6% or 1.6 ATR below the current price).
Truist Financial has received a consensus analysts rating of 3.74. Therefore, it is recommended to hold TFC.
- StrongBuy: 7
- Buy: 3
- Hold: 13
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 54.9 | 16.6% |
P/E Trailing = 10.7963
P/E Forward = 9.5785
P/S = 3.029
P/B = 1.0007
P/EG = 1.1007
Revenue TTM = 30.5b USD
EBIT TTM = 6.81b USD
EBITDA TTM = 7.51b USD
Long Term Debt = 42.0b USD (from longTermDebt, last fiscal year)
Short Term Debt = 26.9b USD (from shortTermDebt, last quarter)
Debt = 69.9b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 65.2b USD (calculated: Debt 69.9b - CCE 4.71b)
Enterprise Value = 123b USD (57.6b + Debt 69.9b - CCE 4.71b)
Interest Coverage Ratio = 0.70 (Ebit TTM 6.81b / Interest Expense TTM 9.67b)
EV/FCF = 21.18x (Enterprise Value 123b / FCF TTM 5.80b)
FCF Yield = 4.72% (FCF TTM 5.80b / Enterprise Value 123b)
FCF Margin = 18.99% (FCF TTM 5.80b / Revenue TTM 30.5b)
Net Margin = 19.13% (Net Income TTM 5.84b / Revenue TTM 30.5b)
Gross Margin = 64.02% ((Revenue TTM 30.5b - Cost of Revenue TTM 11.0b) / Revenue TTM)
Gross Margin QoQ = 63.99% (prev 63.08%)
Tobins Q-Ratio = 0.22 (Enterprise Value 123b / Total Assets 556b)
Interest Expense / Debt = 13.85% (Interest Expense 9.67b / Debt 69.9b)
Taxrate = 14.19% (966.0m / 6.81b)
NOPAT = 5.84b (EBIT 6.81b * (1 - 14.19%))
Current Ratio = 0.01 (Total Current Assets 4.71b / Total Current Liabilities 432b)
Debt / Equity = 1.09 (Debt 69.9b / totalStockholderEquity, last quarter 64.1b)
Debt / EBITDA = 8.68 (Net Debt 65.2b / EBITDA 7.51b)
Debt / FCF = 11.24 (Net Debt 65.2b / FCF TTM 5.80b)
Total Stockholder Equity = 64.8b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.06% (Net Income 5.84b / Total Assets 556b)
RoE = 9.01% (Net Income TTM 5.84b / Total Stockholder Equity 64.8b)
RoCE = 6.38% (EBIT 6.81b / Capital Employed (Equity 64.8b + L.T.Debt 42.0b))
RoIC = 1.05% (NOPAT 5.84b / Invested Capital 554b)
WACC = 10.73% (E(57.6b)/V(127b) * Re(9.33%) + D(69.9b)/V(127b) * Rd(13.85%) * (1-Tc(0.14)))
Discount Rate = 9.33% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -95.19 | Cagr: -3.64%
[DCF] Terminal Value 70.68% ; FCFF base≈5.07b ; Y1≈5.81b ; Y5≈8.55b
[DCF] Fair Price = 20.75 (EV 90.5b - Net Debt 65.2b = Equity 25.4b / Shares 1.22b; r=10.73% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 52.98 | EPS CAGR: 4.77% | SUE: 4.0 | # QB: 2
Revenue Correlation: 18.58 | Revenue CAGR: 2.27% | SUE: 0.65 | # QB: 0
EPS current Quarter (2026-09-30): EPS=1.14 | Chg30d=+2.37% | Revisions=-44% | Analysts=15
EPS current Year (2026-12-31): EPS=4.67 | Chg30d=+1.24% | Revisions=+84% | GrowthEPS=+16.5% | GrowthRev=+3.1%
EPS next Year (2027-12-31): EPS=4.99 | Chg30d=+0.17% | Revisions=-72% | GrowthEPS=+6.7% | GrowthRev=+3.7%
[Analyst] Revisions Ratio: -9% (up=20, down=24)