Truist Financial Corp (TFC.PO) stock analysis
Close on Nov 3, 2026Market cap $60.36BP/E 12.7Yield 4.21%
StockData Score
Prices as of Nov 3, 2026How the score works
Mixed9 of 30 checks passed
Truist Financial passes 9 of the 30 checks behind our score; 13 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.
- Valuation
- 3/6
- Growth
- 0/6
- Past performance
- 0/6
- Financial health
- 3/6
- Dividend
- 3/6
What stands out
Trading below fair value
The share price of $49.41 is below our fair value estimate of $55.46.
Modest borrowings
Borrowings other than deposits are 20.2% of equity.
Dividend not cut
The dividend per share has not fallen by more than 10% in any of the last 10 fiscal years.
Well capitalized
Equity is 11.1% of total assets; 8% or more is a comfortable cushion.
What to watch
Margin of safety under 20%
The price is 10.9% below fair value, less than the 20% cushion we look for.
Revenue growing under 10% a year
Revenue grew 0.6% a year over the last three fiscal years, short of the 10% we look for.
EPS growing under 10% a year
Diluted EPS grew -4.8% a year over the last three fiscal years.
P/E above its 5-year median
Truist Financial's P/E of 12.7 is above its own 5-year median of 11.5.
Valuation3/6
P/E above its 5-year median
Truist Financial's P/E of 12.7 is above its own 5-year median of 11.5.
P/E above the industry
Truist Financial's P/E of 12.7 is above the Commercial Banks median of 12.4.
P/S below the industry
Truist Financial's price-to-sales of 3.11 is below the Commercial Banks median of 3.67.
P/B below the industry
Truist Financial's price-to-book of 0.98 is below the Commercial Banks median of 1.28.
Trading below fair value
The share price of $49.41 is below our fair value estimate of $55.46.
Margin of safety under 20%
The price is 10.9% below fair value, less than the 20% cushion we look for.
Growth0/6
Revenue growing under 10% a year
Revenue grew 0.6% a year over the last three fiscal years, short of the 10% we look for.
EPS growing under 10% a year
Diluted EPS grew -4.8% a year over the last three fiscal years.
Earnings acceleration
Needs positive net income now, a year ago and five years ago.
Growing slower than the industry
Revenue grew -3.6% over the last twelve months; the Commercial Banks median is 11.4%.
Guidance issued
The latest outlook (2027 ROTCE target, Jan 21, 2026) was issued for the first time, so it neither adds nor takes away points.
Gross margin trend
Banks and insurers do not report gross profit.
Past performance0/6
Return on equity
Needs positive equity and five years of results.
Return on assets
Needs net income and total assets.
Return on equity against the industry
Needs positive equity.
Earnings over 5 years
Needs positive net income five years ago and in the latest year.
Net margin against its history
Needs five years of revenue and net income.
Net margin against the industry
Needs revenue and net income.
Financial health3/6
Well capitalized
Equity is 11.1% of total assets; 8% or more is a comfortable cushion.
Loans funded by deposits
Needs loans and deposits.
Adequate loan-loss reserve
The allowance for credit losses is 1.3% of loans; we look for at least 1%.
High cost base
Non-interest expense takes 63.4% of revenue; under 60% is efficient for a bank.
Deposits growing
Needs deposits a year ago.
Modest borrowings
Borrowings other than deposits are 20.2% of equity.
Dividend3/6
Pays a dividend
Truist Financial paid dividends worth 4.2% of the share price over the last twelve months.
Yield below Treasuries
The 4.2% yield is below the 4.4% on a 1-year Treasury.
Yield in the top quarter
The top quarter of US dividend payers yield 3.9% or more; Truist Financial yields 4.2%.
Dividend not cut
The dividend per share has not fallen by more than 10% in any of the last 10 fiscal years.
Earnings cover
Needs dividends paid and net income.
Cash-flow cover
Needs dividends paid and free cash flow.
Fair value
How we estimate itOur estimate per share
$55.46
The share price is 11% below this estimate.
| Method | Multiple used | Own 5Y median | Industry median | Value per share | Weight |
|---|---|---|---|---|---|
| P/E | 11.9× | 11.5× | 12.4× | $46.30 | 50% |
| P/B | 1.3× | – | 1.3× | $64.62 | 50% |
| Fair value | $55.46 | 100% | |||
Valuation over time
Using the earnings and balance sheet published at each date, not today's.
- P/E at month end
- Own 5-year median 11.5
- Commercial Banks median 12.4
An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.
Market risk
From the past year of daily prices.
Liquidity
Low risk
- Average value traded per day
- $382.08M
- Value traded per 1% price move
- $335.23M
Downside
Medium risk
- Typical loss in a bad month
- 15.8%
- Volatility (annualized)
- 23%
- Sharpe ratio, 1 year
- 0.27
- Beta to the S&P 500 (5Y)
- 1.04
Typical bad-month loss, week by week
Margins need revenue and profit figures
This company does not report the lines needed to calculate margins.
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +53.0% | +0.6% | -2.2% | +66.5% | |
| EPS, diluted | +13.7% | -4.8% | +4.4% | +4.1% | |
| Dividend per share | 0.0% | +1.3% | +2.9% | +7.1% |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Capex to revenue | – | 3.6% | – | |
| Diluted shares | 815M | 1.36B | 1.30B |
Cash use needs five years of cash flow figures
Truist Financial does not report operating cash flow and capital expenditure for each of the last five fiscal years.
DuPont needs revenue, assets and equity
This company does not report all three for consecutive years.
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
- ProfitableNet income above zero–
- Cash generatingOperating cash flow above zero$5.74B
- Return on assets improvedROA up on the prior year– → –
- Earnings backed by cashOperating cash flow above net income$5.74B vs –
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise1.33B → 1.30B
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.02 → 0.04
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