Truist Financial Corporation TFC SPX

Financial Services · Banks - Regional · United States

https://www.truist.com

Truist Financial Corporation, a financial services company, provides banking and trust services in the Southeastern and Mid-Atlantic United States. The company operates through two segments, Consumer and Small Business Banking; and Wholesale Banking. Its deposit products include noninterest-bearing checking, interest-bearing checking, savings, and money market deposit accounts, as well as certificates of deposit and individual retirement accounts. The company also provides funding; asset management; credit card lending; home equity and mortgage lending; other direct retail lending; home mortgage lending; Investment brokerage services; mobile/online banking; payment solutions; point-of-sale lending; retail and small business deposit products; and small business lending. In addition, it offers asset-based lending, commercial deposit and treasury services; commercial lending; floor plan lending; derivatives; institutional trust services; insurance premium finance; international banking; investment banking and capital markets services; leasing; merchant services; mortgage warehouse lending; real estate lending; supply chain financing; and wealth management/private banking. The company was formerly known as BB&T Corporation and changed its name to Truist Financial Corporation in December 2019. Truist Financial Corporation was founded in 1872 and is headquartered in Charlotte, North Carolina.

Market & Price

Market Cap

$60.06B

Current Price

$48.21

High / Low (52W)

$54.68 / $37.28

Beta

0.91

Valuation

Stock P/E

11.93

Industry PE

12.01

Forward P/E

9.41

PEG Ratio

1.15

Book Value

$47.74

Price to Book

1.01

P/S

3.22

EV/EBITDA

Dividend Yield

4.31%

Profitability & Returns

ROCE

ROE

8.58%

ROA

1.02%

Profit Margin

29.62%

Op Margin

38.99%

EPS (Latest Qtr)

$1.09

EPS (TTM)

$4.04

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$72.21B

Total Assets

$547.54B

Current Assets

Working Capital

Ownership

Promoter Holding

0.18%

Chg in Prom Hold

FII / Inst Holding

77.08%

Chg in FII Hold

0.01%

Financial Snapshot

Enterprise Value

$90.34B

Total Revenue (TTM)

$18.66B

EBITDA

Free Cash Flow

Operating Cash Flow

$5.67B

Shares Outstanding

1.25B

Gross Margin

0.00%

Payout Ratio

51.49%

Growth (CAGR)

Revenue 5Y

0.57%

Profit 5Y

-5.36%

Revenue (YoY)

5.20%

Earnings (YoY)

25.30%

PROS

Excellent profit margin of 29.6%.
Attractive dividend yield of 4.31%.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

Earnings shrank at -5.4% CAGR over 5 years.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	TFC Truist Financial Corporation SPX	48.21	11.93	$60.06B	4.31%	-	8.58%	0.57%	-5.36%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Sep 2013	Mar 2014	Jun 2014	Sep 2014	Mar 2015	Jun 2015	Sep 2015	Mar 2016	Jun 2016	Sep 2016	Mar 2017	Jun 2017	Sep 2017	Mar 2018	Jun 2018	Sep 2018	Mar 2019	Jun 2019	Sep 2019	Mar 2020	Jun 2020	Sep 2020	Mar 2021	Jun 2021	Sep 2021	Mar 2022	Jun 2022	Sep 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	4.90B	4.99B	5.19B	5.25B	5.15B
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	2.48B	2.57B	2.66B	2.41B	2.26B
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1.53B	1.51B	1.74B	1.56B	1.69B
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	274.00M	273.00M	285.00M	210.00M	209.00M
Net Income	268.00M	496.00M	424.00M	512.00M	488.00M	454.00M	492.00M	527.00M	541.00M	599.00M	378.00M	631.00M	597.00M	745.00M	775.00M	789.00M	749.00M	842.00M	735.00M	986.00M	902.00M	1.07B	1.33B	1.56B	1.62B	1.33B	1.45B	1.54B	1.41B	1.23B	1.07B	1.09B	826.00M	-	-	1.26B	1.24B	1.45B	1.35B	1.48B
Diluted EPS	0.37	0.68	0.58	0.70	0.67	0.62	0.64	0.67	0.66	0.73	0.46	0.77	0.74	0.94	0.99	1.01	0.97	1.09	0.95	0.73	0.67	0.79	0.98	1.16	1.20	0.99	1.09	1.15	1.05	0.92	0.80	0.81	0.62	-	-	0.87	0.90	1.04	1.00	1.09

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2007	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	19.97B	20.02B	13.28B	20.32B
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	2.32B	9.93B	10.97B	10.12B
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	7.03B	-765.00M	-601.00M	6.35B
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1.25B	738.00M	-556.00M	1.04B
Net Income	1.73B	1.50B	729.00M	816.00M	1.29B	1.92B	1.56B	1.98B	1.94B	2.26B	2.22B	3.06B	3.03B	4.18B	-	6.26B	-1.09B	4.82B	5.31B
Diluted EPS	3.14	2.71	1.15	1.16	1.83	2.70	2.19	2.72	2.56	2.77	2.74	3.91	3.71	3.08	-	4.43	-1.09	3.36	3.82

Compounded Sales Growth

5 Years:	0.57%
1 Year:	5.20%

Compounded Profit Growth

5 Years:	-5.36%
1 Year:	25.30%

Stock Price Performance

1 Year:	+27.58%
6 Months:	+6.24%
3 Months:	-1.20%
1 Month:	-3.81%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2006	Dec 2007	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	-	152.01B	165.76B	157.08B	174.58B	184.50B	183.01B	186.83B	209.95B	219.28B	221.64B	225.70B	473.08B	509.23B	-	555.25B	535.35B	531.18B	547.54B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	2.71B	3.12B	2.74B	2.65B	2.09B	3.58B	3.04B	2.17B	2.33B	4.17B	4.28B	2.96B	3.84B	19.07B	18.87B	-	21.42B	30.23B	39.77B	36.38B
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	2.68B	997.00M	1.90B	1.62B
Total Liabilities	-	-	135.93B	149.52B	140.58B	157.10B	163.28B	160.20B	162.46B	182.61B	189.35B	191.95B	195.52B	406.52B	438.32B	-	494.72B	476.10B	467.50B	482.35B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	18.03B	21.38B	21.73B	21.80B	19.11B	21.49B	23.31B	23.77B	21.96B	23.65B	23.71B	41.34B	39.60B	-	43.20B	38.92B	34.96B	41.96B
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	62.95B	59.69B	52.59B	64.31B
Total Equity	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	60.51B	59.10B	63.68B	65.19B
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1.33B	1.33B	1.32B	1.26B

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2007	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	1.11B	5.35B	-493.00M	2.90B	4.28B	3.71B	5.31B	3.21B	3.13B	3.12B	4.63B	4.35B	1.52B	7.44B	-	11.08B	8.63B	2.16B	5.74B
Investing Cash Flow	-7.46B	-18.32B	7.23B	5.98B	-18.01B	-7.05B	-4.21B	-4.01B	-1.85B	-976.00M	-5.41B	-4.96B	8.35B	-43.65B	-	-29.97B	22.86B	18.60B	-17.76B
Financing Cash Flow	6.75B	12.59B	-6.83B	-9.14B	15.22B	2.80B	-1.97B	965.00M	104.00M	-1.88B	-549.00M	1.50B	5.35B	36.02B	-	20.02B	-22.27B	-11.64B	8.63B
Capital Expenditure	-256.00M	-219.00M	-174.00M	-428.00M	-224.00M	-145.00M	-	-	-	-	-	-363.00M	-224.00M	-815.00M	-442.00M	-564.00M	-	-	-
Free Cash Flow	856.00M	5.13B	-667.00M	2.47B	4.05B	3.57B	-	-	-	-	-	3.99B	1.30B	6.62B	-	11.08B	8.63B	2.16B	5.74B
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1.13B	9.22B	9.12B	-3.39B
Share Buybacks	254.00M	0	0	-	-	-	-	-	0	520.00M	1.61B	1.21B	0	0	1.62B	250.00M	0	1.00B	2.50B

Ratios (Annual)

Figures in %.

Metric	Dec 2007	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	31.3%	-5.4%	36.3%	26.1%
ROE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	10.3%	-1.8%	7.6%	8.1%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

0.18%

Institutions

77.08%

Public Float

77.22%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	7.89%	98.33M	$4.74B
2	Capital International Investors	6.78%	84.51M	$4.07B
3	Vanguard Capital Management LLC	6.54%	81.50M	$3.93B
4	State Street Corporation	4.67%	58.19M	$2.81B
5	Bank of America Corporation	3.04%	37.92M	$1.83B
6	Geode Capital Management, LLC	2.56%	31.85M	$1.54B
7	Victory Capital Management Inc.	2.16%	26.94M	$1.30B
8	Vanguard Portfolio Management LLC	1.93%	24.10M	$1.16B
9	Morgan Stanley	1.73%	21.60M	$1.04B
10	Charles Schwab Investment Management, Inc.	1.42%	17.70M	$853.36M

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