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Truist Financial

NYSE: TFC

Stock price

46.18 USD

(-24.08%) 5 years

Diversified BanksBanks - Regional

Financial Performance

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5Y price score: (31)

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The price score is a basic measure of the stock's performance against the S&P 500 Index over a five-year period.

A score of 100 indicates that the stock did as well as the S&P 500 Index.

A score below 100 means the stock underperformed the index, while a score above 100 means it outperformed the S&P 500.

10Y return: 64%

DATE RANGE:

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  • Earnings per share

  • Free cash flow per share

  • Stock price

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40.7

52-week range

56.2

46.18

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Required return / cost of capital
%
FCFF terminal growth rate
%

Your fair value & Margin of safety

To calculate fair value based on cost of capital and terminal growth assumptions above, please select free cash flow forecast.

Forecast:

Valuation

Free Cash Flow Yield

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FCF Yield TTM = Trailing Twelve Months free cash flow per share / current market price per shareLearn more

9.8 %

Dividend Yield TTM

4.5 %

Market cap $

$ 57,535

Price / Earnings TTM

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P/E TTM = current market price per share / Trailing Twelve Months diluted earnings per shareLearn more

10.9

Price / Book TTM

0.9

PEG TTM

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Price/Earnings-to-Growth ratio = P/E TTM divided by most recent annual diluted earnings per share growth rateLearn more

0.8

Earnings growth and return

LTM

5YR

10YR

Total return (price & dividends)

9.3 %

(7.5) %

63.9 %

Free cash flow per share growth

19.7 %

(8.4) %

8.1 %

Earnings per share growth

36.7 %

24 %

49.2 %

Founded: 1,872

Employees: 37,529

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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Fair Value Reference Estimate

Latest Earnings Call Takeaways

2026 Q2 (Jul 17, 2026)

1) Leadership Transition and Strategic Direction
- Bill Rogers announced his retirement, transitioning to an executive chair role, with Mike Lyons set to become the new CEO on September 1, 2026.
- Rogers expressed confidence in Lyons' ability to drive growth and improve performance, emphasizing the importance of a smooth transition.
- The leadership team is focused on building a high-performing company that delivers superior outcomes for shareholders.

2) Financial Performance Highlights
- Truist reported Q2 2026 net income of $1.5 billion ($1.23 per diluted share), a 37% increase YoY.
- Revenue grew 5.5% YoY, primarily driven by higher non-interest income, particularly in investment banking and trading, which surged 72%.
- Return on tangible common equity (ROTCE) improved by 310 basis points YoY to 15.4%.

3) Segment Performance and Growth Strategies
- Consumer and Small Business Banking (CSBB) saw a 2% increase in average loans and deposits, with Premier Banking showing a 20% increase in new deposit production.
- Wholesale banking experienced an 8% increase in average loans and a 6% increase in average deposits, with strong growth in middle-market deposits (12% YoY).
- Digital engagement is a key focus, with active mobile users up 4% YoY and digital transactions increasing by 7%.

4) Challenges and Operational Adjustments
- The company is facing headwinds from elevated rate-seeking behavior among depositors and a less favorable deposit mix, impacting net interest income (NII).
- Truist has exited certain less strategic lending categories, such as marine and recreational vehicle loans, which is expected to reduce loan production by approximately 40% in 2026.
- The outlook for NII growth has been adjusted down to 1%-1.5% for the year, reflecting these strategic decisions and market dynamics.

5) Guidance and Outlook for 2026
- For Q3 2026, Truist expects revenue to increase by 1% and NII to rise by approximately 1.5%.
- Full-year revenue growth is now projected at 3.5%-4%, down from previous estimates, while non-interest income growth is expected to be around 10%.
- The company remains confident in achieving ROTCE above 14% for 2026, despite the adjustments to revenue expectations.

Bottom line: Truist's strategic focus on profitability and capital efficiency, alongside a leadership transition, positions the company for sustained growth despite current market challenges. The adjustments to revenue guidance reflect a commitment to long-term shareholder value, making it a potentially attractive investment for those looking for stability and growth in the financial sector.

Annual Reports, Presentations And IR Contacts

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Annual report links (10K)
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Truist Financial — Financial Overview, Stock Price, Market Cap

Truist Financial is a company. Founded in 1872. As of October 9, 2026, the company's market capitalization is $57534738400 with a current stock price of $46.18.