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Truist Financial

NYSE: TFC

Stock price

50.3 USD

(+0%) TODAY

Diversified BanksBanks - Regional

Financial Performance

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5Y price score: (17)

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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: 79.1%

DATE RANGE:

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    40.7

    52-week range

    56.2

    50.3

    Your model inputs

    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

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

    9 %

    Dividend Yield TTM

    4.1 %

    Market cap $

    $ 62,668

    Price / Earnings TTM

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

    11.9

    Price / Book TTM

    1

    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

    0.3

    Earnings growth and return

    LTM

    5YR

    10YR

    Total return (price & dividends)

    14.5 %

    4.9 %

    79.1 %

    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.

    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)
    2025202420232022202120202019201820172016

    Truist Financial — Financial Overview, Stock Price, Market Cap

    Truist Financial is a company. Founded in 1872. As of August 26, 2026, the company's market capitalization is $62667764000 with a current stock price of $50.30.