TFC

Truist Financial Corporation

Fundamental data last updated:August 16, 2026

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company profile

SECTOR

Financial Services

industry

Banks - Regional

Exchange

NYSE

County of HQ

US

Next Earnings Date

Pending Announcement

Business Summary

Truist Financial Corporation operates as a diversified financial holding company, providing an extensive array of banking and trust services throughout the Southeastern and Mid-Atlantic regions of the United States. Its business activities are structured across three main segments: Consumer Banking and Wealth, Corporate and Commercial Banking, and Insurance Holdings. The corporation offers a broad spectrum of deposit products, including both interest-bearing and noninterest-bearing checking accounts, savings accounts, money market deposit accounts, certificates of deposit (CDs), and individual retirement accounts (IRAs). Beyond deposit services, Truist delivers a comprehensive suite of financial solutions. These include various lending options such as automobile, bankcard, consumer, home equity, mortgage, small business, and student loans, alongside specialized commercial financing for areas like floor plan, real estate, and mortgage warehousing, as well as lease and supply chain financing. The company also provides extensive wealth management and investment services, encompassing asset management, investment brokerage, private banking, capital markets, institutional trust, and private equity investment solutions. Further offerings include corporate and investment banking, securities underwriting, and advisory services. Additionally, Truist offers a wide range of insurance products, covering property and casualty, life, health, employee benefits, workers' compensation, professional liability, surety, and title insurance. Digital banking platforms (mobile and online), payment processing, international banking, merchant services, and treasury management are also integral parts of its service portfolio. Headquartered in Charlotte, North Carolina, Truist Financial Corporation was founded in 1872. As of December 31, 2021, the company maintained a substantial presence with 2,517 banking offices. The organization officially adopted its current name, Truist Financial Corporation, in December 2019, having previously operated as BB&T Corporation.

 


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VALUATION

P/E

11.62

Market Cap ($M USD)

$64.06B

Forward P/E

8.96

PEG

0.30

PRICE TO SALES

2.10

PRICE TO BOOK

1.00

EV / EBITDA

17.94

5-Year Average P/E

Free Cash Flow Yield

8.85%

DCF Value

$239.23

Graham Number

$71.57

Price to FCF

11.29

EV to FCF

22.71

Earnings Yield

8.61%

FCF Yield

8.85%

DIVIDEND

Yield

4.05%

Annual Payout

$2.08

Payout Ratio

53.59%

Consecutive Years of Dividend Growth

5-Year Dividend Growth Rate

Financial Health & Profitability

Earnings Per Share

$4.43

Next Year EPS Growth Estimate

$5.74

Next Year Revenue Growth Estimate

$22.99B

Return on Equity (ROE)

8.51%

FREE CASH FLOW

Operating Margin

21.35%

Debt-to-Equity

1.07

Piotroski F-Score

8

Altman Z-Score

0.19

Return on Invested Capital (ROIC)

1.25%

Current Ratio

0.16

Quick Ratio

0.16

Net Debt to EBITDA

9.02

Interest Coverage

0.66

Gross Profit margin

62.92%

FCF PER SHARE

$4.54

REVENUE PER SHARE

$24.40

Analyze TFC on TradingView

Gainseekers Quantitative Analysis

Summary

TFC Truist Financial Corporation appears to be a classic case of market mispricing. With a DCF value significantly higher than its snapshot price, the stock seems undervalued. The Forward P/E of 8.36 suggests the market expects future earnings growth, yet the Altman Z-score of 0.19 raises red flags about financial distress. Despite a robust earnings yield of 9.22%, the company’s safety and growth prospects are questionable, demanding a cautious approach.

AI Exposure / Tech Reliance

Operating within the regional banking sector, TFC is moderately positioned to adapt to AI and tech shifts. While banks are increasingly leveraging AI for customer service and risk management, TFC's traditional banking model may lag behind tech-savvy competitors. However, its established infrastructure provides a foundation for gradual tech integration.

The Bull Case

For value or GARP investors, TFC offers compelling reasons to buy. The Piotroski F-Score of 8 indicates strong financial health, while a solid operating margin of 21.35% underscores its pricing power. Despite a modest ROIC of 1.25%, the FCF yield of 9.48% suggests efficient capital management. These metrics paint a picture of a company with potential for capital appreciation and income generation.

The Bear Case

However, TFC's structural risks cannot be ignored. The Altman Z-score signals potential distress, and the net debt to EBITDA ratio of 9.27 highlights significant leverage. With an interest coverage ratio of just 0.66, the company faces challenges in meeting its debt obligations. Additionally, trading close to its 52-week high, the stock may be technically overextended, warranting caution.

Market Sentiment & Smart Money

Short Interest %

Analyst Consensus

Buy

Average Analyst Price Target

$54.57

Institutional Ownership %

1-Year Beta

0.88

Insider Buying % (6 Mo)

Distance to 52-Week High

9.30%

Distance to 52-Week Low

20.69%

EARNINGS SURPRISE %

9.33%

50-DAY SMA

$49.25

200-DAY SMA

$48.11

⚠️ Financial Disclaimer:
This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.