(TFC) Truist Financial - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NYSE (USA) | Market Cap: 58.506m USD | Total Return: 28.1% in 12m
Avg Turnover: 329M
EPS Trend: -19.6%
Qual. Beats: 1
Rev. Trend: 8.6%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Truist Financial Corporation (NYSE: TFC) is a major regional financial services institution formed by the 2019 merger of BB&T and SunTrust. Headquartered in Charlotte, North Carolina, the firm operates primarily through two segments: Consumer and Small Business Banking and Wholesale Banking. Its service suite encompasses traditional retail deposits, mortgage lending, investment banking, and insurance premium finance across the Southeastern and Mid-Atlantic regions.
As a prominent player in the Regional Banks sub-industry, Truist utilizes a diversified revenue model that balances interest income from loans with non-interest income from wealth management and capital markets. Regional banks like Truist often face high sensitivity to net interest margin fluctuations dictated by Federal Reserve monetary policy. Investors can further examine these fundamental drivers by reviewing the detailed metrics available on ValueRay.
The companys operational history dates back to 1872, maintaining a significant physical and digital footprint to serve diverse client tiers. Its business model relies on integrated delivery of commercial and retail products, including specialized services such as asset-based lending and supply chain financing.
- Net interest margin fluctuations driven by Federal Reserve monetary policy shifts
- Operational efficiency gains from post-merger technology integration and branch consolidation
- Commercial loan growth tied to Southeastern United States economic performance
- Capital levels and buyback capacity following the sale of insurance brokerage unit
- Non-interest income stability from investment banking and wealth management fees
| Net Income: 5.53b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.08 > 1.0 |
| NWC/Revenue: -1.39k% < 20% (prev -1.53k%; Δ 133.7% < -1%) |
| CFO/TA 0.01 > 3% & CFO 5.67b > Net Income 5.53b |
| Net Debt (64.8b) to EBITDA (7.31b): 8.86 < 3 |
| Current Ratio: 0.01 > 1.5 & < 3 |
| Outstanding Shares: last quarter (1.27b) vs 12m ago -4.36% < -2% |
| Gross Margin: 62.92% > 18% (prev 0.48%; Δ 6.24k% > 0.5%) |
| Asset Turnover: 5.62% > 50% (prev 4.48%; Δ 1.14% > 0%) |
| Interest Coverage Ratio: 0.66 > 6 (EBITDA TTM 7.31b / Interest Expense TTM 9.89b) |
| A: -0.77 (Total Current Assets 4.29b - Total Current Liabilities 428b) / Total Assets 549b |
| B: 0.05 (Retained Earnings 26.8b / Total Assets 549b) |
| C: 0.01 (EBIT TTM 6.50b / Avg Total Assets 542b) |
| D: 0.06 (Book Value of Equity 26.7b / Total Liabilities 485b) |
| Altman-Z'' = -4.77 = D |
| DSRI: 0.12 (Receivables 2.12b/13.8b, Revenue 30.5b/24.0b) |
| GMI: 0.76 (GM 62.92% / 48.04%) |
| AQI: 1.13 (AQ_t 0.99 / AQ_t-1 0.87) |
| SGI: 1.27 (Revenue 30.5b / 24.0b) |
| TATA: -0.00 (NI 5.53b - CFO 5.67b) / TA 549b) |
| Beneish M = -3.70 (Cap -4..+1) = AAA |
As of May 23, 2026, the stock is trading at USD 47.89 with a total of 7,087,946 shares traded.
Over the past week, the price has changed by +3.02%,
over one month by -4.04%,
over three months by -2.39% and
over the past year by +28.06%.
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 | 55.7 | 16.3% |
P/E Forward = 10.917
P/S = 3.1359
P/B = 1.0318
P/EG = 1.161
Revenue TTM = 30.5b USD
EBIT TTM = 6.50b USD
EBITDA TTM = 7.31b USD
Long Term Debt = 41.6b USD (from longTermDebt, last quarter)
Short Term Debt = 27.4b USD (from shortTermDebt, last quarter)
Debt = 69.1b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 64.8b USD (calculated: Debt 69.1b - CCE 4.29b)
Enterprise Value = 123b USD (58.5b + Debt 69.1b - CCE 4.29b)
Interest Coverage Ratio = 0.66 (Ebit TTM 6.50b / Interest Expense TTM 9.89b)
EV/FCF = 19.45x (Enterprise Value 123b / FCF TTM 6.34b)
FCF Yield = 5.14% (FCF TTM 6.34b / Enterprise Value 123b)
FCF Margin = 20.80% (FCF TTM 6.34b / Revenue TTM 30.5b)
Net Margin = 18.14% (Net Income TTM 5.53b / Revenue TTM 30.5b)
Gross Margin = 62.92% ((Revenue TTM 30.5b - Cost of Revenue TTM 11.3b) / Revenue TTM)
Gross Margin QoQ = 63.08% (prev 68.49%)
Tobins Q-Ratio = 0.22 (Enterprise Value 123b / Total Assets 549b)
Interest Expense / Debt = 14.33% (Interest Expense 9.89b / Debt 69.1b)
Taxrate = 12.37% (209.0m / 1.69b)
NOPAT = 5.70b (EBIT 6.50b * (1 - 12.37%))
Current Ratio = 0.01 (Total Current Assets 4.29b / Total Current Liabilities 828b)
Debt / Equity = 1.08 (Debt 69.1b / totalStockholderEquity, last quarter 64.2b)
Debt / EBITDA = 8.86 (Net Debt 64.8b / EBITDA 7.31b)
Debt / FCF = 10.22 (Net Debt 64.8b / FCF TTM 6.34b)
Total Stockholder Equity = 65.0b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.02% (Net Income 5.53b / Total Assets 549b)
RoE = 8.51% (Net Income TTM 5.53b / Total Stockholder Equity 65.0b)
RoCE = 6.10% (EBIT 6.50b / Capital Employed (Equity 65.0b + L.T.Debt 41.6b))
RoIC = 1.04% (NOPAT 5.70b / Invested Capital 549b)
WACC = 11.26% (E(58.5b)/V(128b) * Re(9.73%) + D(69.1b)/V(128b) * Rd(14.33%) * (1-Tc(0.12)))
Discount Rate = 9.73% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -76.41 | Cagr: -2.27%
[DCF] Terminal Value 67.57% ; FCFF base≈6.09b ; Y1≈6.65b ; Y5≈8.33b
[DCF] Fair Price = 15.95 (EV 84.6b - Net Debt 64.8b = Equity 19.9b / Shares 1.25b; r=11.26% [WACC]; 5y FCF grow 10.56% → 2.50% )
EPS Correlation: -19.56 | EPS CAGR: -1.75% | SUE: 1.67 | # QB: 1
Revenue Correlation: 8.63 | Revenue CAGR: 1.02% | SUE: 0.60 | # QB: 0
EPS current Quarter (2026-06-30): EPS=1.08 | Chg30d=-2.87% | Revisions=-53% | Analysts=14
EPS next Quarter (2026-09-30): EPS=1.14 | Chg30d=+0.68% | Revisions=+11% | Analysts=14
EPS current Year (2026-12-31): EPS=4.55 | Chg30d=+2.04% | Revisions=+70% | GrowthEPS=+13.4% | GrowthRev=+3.8%
EPS next Year (2027-12-31): EPS=5.13 | Chg30d=+0.34% | Revisions=+26% | GrowthEPS=+12.8% | GrowthRev=+4.2%
[Analyst] Revisions Ratio: +70%