TFC
NYSE · USDTruist Financial Corporation
Financial Services · Banks - Regional
CEO Michael Lyons
Employees 37,849
R&D / revenue 0.0%
Last price
$47.07+1.07%last session
Market cap
$57.5B
P/E (TTM)
12.0x
From 52w high
−16.2%
From 52w low
+13.1%
1-year return
+16.0%
RSI 14 · vs SMA200
47.8 · −4.9%
IS score
49.5/ 100
Factor model across 8 sub-scores, ranked against 3,010 US stocks. Describes the business, not the outlook.
Download full factsheet (PDF)
One year, rebased to 100
TFC SPY XLF (sector ETF) · weekly closesScore DNA
Each bar is a 0-100 score within the scored universe58Profitability
47Growth
85Value
69Momentum
50Risk (safety)
67Quality
20Balance sheet
93Earnings quality
Flags
Strengths
✓ Insider buying✓ Congress buying
Warnings
None of the computed warning flags fires for TFC (Altman, Beneish, accruals, FCF, dilution).
Observations
Moat model: None, Efficient ScalePiotroski 6 / 9Beta 0.863 of 4 smart-money sources active
Smart-money strip
Each disclosure source on its own window. Filings coinciding is not coordination.INSForm 4 · 180 days
Insider open-market buys
1
$1.02M bought
No Form 144 notices in 12 months
CONGSTOCK Act · 180 days
Congressional purchases
1
Last disclosed purchase 2026-03-27
Members disclose in ranges, 30-45 days after the trade
13F13F · quarter to 2026-06-30
Net change in institutional holders
+59
173 new holders, 98 closed
1,696 filers hold 78.2% · 630 added, 664 trimmed
ETFETF holdings · 30 days
Net funds accumulating
−4
1,101 funds adding shares
1,105 funds trimming · counts of funds, not dollars
DARKFINRA · daily
Short-sale share of off-exchange volume
61.2%
20-day avg 58.0%, 50-day avg 57.6%
Latest 3.2 pp over its 20-day average · a flow, not short interest
Key financials · FY2025
USD, fiscal year. Stock-based compensation is non-cash; shown against FCF.Income statement
Revenue$30.4B
Revenue growth YoY+25.5%
Gross margin62.2%
Operating income$6.3B
Operating margin20.9%
Net income$5.3B
Net margin17.4%
EPS (diluted)$3.82
Cash flow
Operating cash flow$5.7B
Capital expenditure$0
Free cash flow$5.7B
FCF conversion (FCF / OCF)100.0%
Stock-based compensation$0
FCF less SBC$5.7B
Buybacks$2.5B
Dividends$3.0B
Balance sheet & returns
Cash & short-term investments$45.4B
Total debt$69.8B
Net debt$24.4B
Shareholders' equity$65.2B
Goodwill & intangibles$18.4B
Debt / equity1.07
ROE (TTM)8.1%
ROIC (TTM)0.9%
Operating margin by fiscal year
Revenue $23.1B (FY2021) to $30.4B (FY2025), a 7.2% CAGR.
Valuation
P/E (TTM)12.0x
EV / EBITDA18.2x
Price / sales2.00x
Price / FCF9.9x
FCF yield10.08%
Buyback yield4.35%
SBC / revenue0.0%
Price / book0.93x
Forward P/E FY202610.0x
Forward P/E FY20279.4x
Forward P/E FY20288.4x
Forward multiples divide today's price by Street EPS estimates. Street mean target $53.75 across 4 analysts last quarter is theirs, not ours.
TFC vs industry median
909 companies in Banks - Regional
TFC (TTM)Industry median
Asset turnover 0.05 vs industry 0.05 · financial leverage 9.02
Earnings delivery
Next report 2027-01-20 · consensus EPS $1.2167%
beat rate, 8 of 12 quarters
+4.0%
median EPS surprise
4
longest beat streak
EPS surprise in % vs the consensus at the time, oldest (left) to newest, 2024-01-18 to 2026-10-16. Bars cap at ±60%.
Peers
Market-cap band, not the industry cohort above| Company | Mkt cap | P/E | ROE | Net margin | Rev growth | 12m return |
|---|---|---|---|---|---|---|
| TFC Truist Financial Corporation | $57.5B | 12.0x | 8.1% | 18.0% | +25.5% | +16.0% |
| NU Nu Holdings Ltd. | $70.3B | 19.7x | 31.6% | 19.2% | +54.9% | −1.2% |
| FITB Fifth Third Bancorp | $45.7B | 17.0x | 8.4% | 18.1% | +15.9% | +29.0% |
| PNC The PNC Financial Services G | $86.7B | 11.6x | 12.5% | 22.6% | +3.9% | +21.9% |
| USB U.S. Bancorp | $91.5B | 11.4x | 12.7% | 19.9% | +3.3% | +28.6% |
| MTB M&T Bank Corporation | $31.1B | 11.2x | 10.7% | 24.3% | −5.8% | — |
| HBAN Huntington Bancshares Incorp | $30.9B | 11.2x | 9.0% | 17.4% | +18.5% | — |
| CFG Citizens Financial Group, In | $26.7B | 12.7x | 8.3% | 18.4% | −4.5% | — |
12-month window: SPY +15.9%, sector ETF XLF +7.2%. Past returns describe history only.
Recent 8-K filings
No 8-K filings on file.
Context
Shares outstanding1,221,630,000
Free float99.8%
Institutional ownership78.2%
Beta0.86
Dividend yield4.42%
Last dividend$0.52 on 2026-08-14
50 / 200-day average$49.28 / $49.61
Large-cap Financial Services median P/E14.0x
Full factsheet
The PDF carries everything on this page plus the cash-allocation waterfall, Form 144 notices, 13F holder detail, dark-pool and short-flow history, seasonality and the moat assessment (None).
Read it in the browser Download (PDF)All fundamentals · 140 measures in 13 categories
Percentile = where TFC sits among 257 scored companies in Banks - Regional (0 = lowest value, 100 = highest). It is a position, not a grade. Balance-sheet ratios built for operating companies are n/a for lenders and insurers.ValuationProfitability (TTM)Returns on capitalGrowthMargin history & stabilityLiquidity (latest quarter)Leverage & solvency (latest quarter)EfficiencyCash flow & earnings qualityDividends & buybacksScores & forensic checksPer shareSize (TTM)
Valuation
| Measure | TFC | Industry percentile |
|---|---|---|
| P/E (TTM) | 9.8x | 18th |
| PEG (P/E ÷ 3-yr EPS CAGR) | 10.94 | 96th |
| Price / sales | 1.9x | 17th |
| Price / book | 0.9x | 11th |
| Price / tangible book | 1.3x | 33rd |
| Price / free cash flow | n/a | |
| Price / operating cash flow | n/a | |
| Enterprise value | n/a | |
| EV / sales | n/a | |
| EV / EBITDA | n/a | |
| EV / EBIT | n/a | |
| EV / free cash flow | n/a | |
| Earnings yield | 10.2% | 82nd |
| FCF yield | n/a | |
| Operating cash flow yield | n/a | |
| Graham number (per share) | $74.07 | 73rd |
Profitability (TTM)
| Measure | TFC | Industry percentile |
|---|---|---|
| Gross margin | n/a | |
| EBITDA margin | n/a | |
| Operating margin | 22.3% | 37th |
| EBIT margin | 22.3% | 34th |
| Net margin | 19.1% | 28th |
| NOPAT margin | 19.1% | 46th |
| FCF margin | n/a | |
| Operating cash flow margin | n/a | |
| R&D / revenue | 0.0% | 0th |
| SG&A / revenue | 27.2% | 49th |
| Stock comp / revenue | 0.0% | 0th |
| Effective tax rate | 14.2% | 5th |
Returns on capital
| Measure | TFC | Industry percentile |
|---|---|---|
| ROE (on average equity) | 9.1% | 26th |
| ROA | 1.1% | 32nd |
| ROIC | n/a | |
| ROCE | n/a | |
| Return on tangible assets | 1.2% | 34th |
| Cash ROIC (OCF / invested capital) | n/a | |
| Gross profitability (GP / assets) | n/a | |
| ROIC, 3-yr average | n/a | |
| ROIC, 5-yr average | n/a | |
| ROE, 5-yr average | 6.8% | 11th |
| Incremental ROIC | n/a |
Growth
| Measure | TFC | Industry percentile |
|---|---|---|
| Revenue growth (TTM YoY) | 0.3% | 33rd |
| Revenue growth (QoQ) | 2.7% | 57th |
| Revenue CAGR, 3 yr | 2.0% | 10th |
| Revenue CAGR, 5 yr | 5.6% | 8th |
| Gross profit CAGR, 3 yr | n/a | |
| Operating income CAGR, 3 yr | -1.8% | 32nd |
| Net income growth (TTM YoY) | 11.9% | 25th |
| Net income CAGR, 3 yr | -1.6% | 18th |
| EPS growth (TTM YoY) | 17.9% | 45th |
| EPS CAGR, 3 yr | 0.9% | 31st |
| EPS CAGR, 5 yr | 2.6% | 33rd |
| FCF growth (TTM YoY) | n/a | |
| FCF CAGR, 3 yr | n/a | |
| Operating cash flow CAGR, 3 yr | n/a | |
| Book value CAGR, 3 yr | 2.9% | 10th |
| Dividend CAGR, 3 yr | 0.6% | 46th |
| Sustainable growth rate | 4.6% | 14th |
Margin history & stability
| Measure | TFC | Industry percentile |
|---|---|---|
| Gross margin, 3-yr average | n/a | |
| Operating margin, 3-yr average | 4.0% | 4th |
| Net margin, 3-yr average | 9.7% | 10th |
| FCF margin, 3-yr average | n/a | |
| Revenue stability (0-1) | 0.63 | 13th |
| Earnings stability (0-1) | 0.03 | 16th |
| Margin stability (0-1) | 0.74 | 16th |
Liquidity (latest quarter)
| Measure | TFC | Industry percentile |
|---|---|---|
| Cash & short-term investments | n/a | |
| Net cash (− = net debt) | n/a | |
| Working capital | n/a | |
| Current ratio | n/a | |
| Quick ratio | n/a | |
| Cash ratio (cash + ST investments / current liabilities) | n/a | |
| Defensive interval (days) | n/a |
Leverage & solvency (latest quarter)
| Measure | TFC | Industry percentile |
|---|---|---|
| Total debt | n/a | |
| Debt / equity | n/a | |
| Net debt / equity | n/a | |
| Debt / assets | n/a | |
| Debt / capital | n/a | |
| Debt / EBITDA | n/a | |
| Net debt / EBITDA | n/a | |
| Interest coverage (EBIT / interest) | n/a | |
| Cash interest coverage | n/a | |
| Debt payback (years of OCF) | n/a | |
| Liabilities / assets | 88.5% | 46th |
| IS credit model rating | BB+ | |
| Implied credit spread (bps) | 400 | 91st |
Efficiency
| Measure | TFC | Industry percentile |
|---|---|---|
| Asset turnover | n/a | |
| Fixed asset turnover | n/a | |
| Inventory turnover | n/a | |
| Receivables turnover | n/a | |
| Days sales outstanding | n/a | |
| Days inventory outstanding | n/a | |
| Days payables outstanding | n/a | |
| Cash conversion cycle (days) | n/a | |
| Capex / revenue | n/a | |
| Capex / depreciation | n/a | |
| Operating expense ratio | n/a |
Cash flow & earnings quality
| Measure | TFC | Industry percentile |
|---|---|---|
| Operating cash flow / net income | n/a | |
| FCF / net income | n/a | |
| FCF / operating cash flow | n/a | |
| Capex / operating cash flow | n/a | |
| Accruals ratio | n/a | |
| Sloan accruals ratio | n/a | |
| Earnings quality score (0-1) | n/a |
Scores & forensic checks
| Measure | TFC | Industry percentile |
|---|---|---|
| IS score | 50 | 33rd |
| IS profitability | 58 | 41st |
| IS growth | 47 | 31st |
| IS value | 85 | 71st |
| IS momentum | 69 | 31st |
| IS risk (safety) | 50 | 5th |
| IS quality | 67 | 32nd |
| IS balance sheet | 20 | 4th |
| IS earnings quality | 93 | 66th |
| IS cash flow | 68 | 35th |
| Piotroski F-score (0-9) | 6 | 26th |
| Altman Z-score | — | |
| Beneish M-score | — | |
| Ohlson O-score | −6.58 | 4th |
| IS credit score | 48 | 7th |
Size (TTM)
| Measure | TFC | Industry percentile |
|---|---|---|
| Market cap | $57.5B | 99th |
| Revenue | $30.5B | 99th |
| EBITDA | $7.5B | 99th |
| Net income | $5.8B | 99th |
| Free cash flow | n/a | |
| Total assets | $556.0B | 99th |
| Shareholders' equity | $64.1B | 100th |
| Employees | 37,849 | 99th |
Insider transactions, last 6 months
Form 4 · most recent 12| Date | Insider | Type | Shares | Price | Value | Owned after |
|---|---|---|---|---|---|---|
| 2026-09-17 | Lyons Michael P. Director, President & CEO |
Open-market buy | 21,000 | $48.36 | $1.0M | 21,000 |
| 2026-09-01 | Lyons Michael P. Director, President & CEO |
Award / grant | 84,951 | — | — | 84,951 |
| 2026-09-01 | Lyons Michael P. Director, President & CEO |
Award / grant | 266,990 | — | — | 266,990 |
| 2026-07-31 | Wilson Donta L Chief Consumer & SB BK Officer |
Open-market sale | 13,280 | $51.85 | $688,618 | 56,009 |
| 2026-07-28 | Bessant Catherine P Director |
Award / grant | 2,338 | — | — | 2,338 |
| 2026-07-23 | Boyer K. David Jr. Director |
Open-market sale | 3,986 | $50.70 | $202,090 | 10,270 |
| 2026-07-20 | Rogers William H Jr Director, Chairman & CEO |
Open-market sale | 13,250 | $52.36 | $693,810 | 0 |
| 2026-06-01 | Bender Bradley D Chief Risk Officer |
Option exercise | 16,149 | — | — | 21,896 |
| 2026-06-01 | Bender Bradley D Chief Risk Officer |
Tax withholding | 9,115 | $46.87 | $427,220 | 12,781 |
| 2026-06-01 | Bender Bradley D Chief Risk Officer |
Option exercise | 16,149 | — | — | 0 |
Shares acquired vs disposed, by month
acquired disposed · all Form 4 typesBy transaction type, 6 months
| Type | Direction | Filings | Shares | Value |
|---|---|---|---|---|
| Award / grant | Acquired | 3 | 354,279 | — |
| Open-market buy | Acquired | 1 | 21,000 | $1.0M |
| Open-market sale | Disposed | 3 | 30,516 | $1.6M |
| Option exercise | Acquired | 1 | 16,149 | — |
| Option exercise | Disposed | 1 | 16,149 | — |
| Tax withholding | Disposed | 1 | 9,115 | $427,220 |
| — | Disposed | 2 | 0 | — |
Awards, option exercises and tax withholding are compensation mechanics; open-market buys and sales are the discretionary ones.
Form 144 notices
| Filed | Filer | Shares proposed | Est. proceeds |
|---|---|---|---|
| None on file. | |||
A Form 144 is notice of a proposed sale, not a confirmed one.
Congress trades
12 months: House 6 trades (1 purchases) · Senate 1 (1 purchases)| Traded | Member | Chamber | Type | Amount | Disclosed |
|---|---|---|---|---|---|
| 2026-04-17 | Lloyd Smucker | House | Sale | $1,001 - $15,000 | 2026-05-01 |
| 2026-04-17 | Lloyd K. Smucker | House | Sale | $1,001 - $15,000 | 2026-05-01 |
| 2026-03-30 | Ro Khanna | House | Purchase | $15,001 - $50,000 | 2026-04-09 |
| 2026-03-27 | Alan Armstrong | Senate | Purchase | $1,001 - $15,000 | 2026-07-21 |
| 2025-12-11 | Dan Newhouse | House | Sale | $1,001 - $15,000 | 2026-01-16 |
| 2023-12-29 | Shelley Moore Capito | Senate | Sale (Partial) | $15,001 - $50,000 | 2024-01-12 |
| 2023-12-29 | Shelley Moore Capito | Senate | Sale (Partial) | $15,001 - $50,000 | 2024-01-11 |
| 2023-12-29 | Shelley Moore Capito | Senate | Sale (Partial) | $15,001 - $50,000 | 2024-01-11 |
STOCK Act disclosures, in ranges, filed up to 45 days after the trade.
Largest 13F holders
Quarter to 2026-06-30, the latest most managers have filed| Manager | Shares | Value | % of shares out |
|---|---|---|---|
| BlackRock, Inc. | 99,555,076 | $5.0B | 8.15% |
| Capital International Investors | 93,340,762 | $4.7B | 7.64% |
| VANGUARD CAPITAL MANAGEMENT LLC | 81,312,502 | $4.1B | 6.66% |
| STATE STREET CORP | 58,692,619 | $2.9B | 4.80% |
| VANGUARD PORTFOLIO MANAGEMENT LLC | 41,888,944 | $2.1B | 3.43% |
| BANK OF AMERICA CORP /DE/ | 36,838,125 | $1.8B | 3.02% |
| GEODE CAPITAL MANAGEMENT, LLC | 31,929,268 | $1.6B | 2.61% |
| MORGAN STANLEY | 20,769,547 | $1.0B | 1.70% |
| VICTORY CAPITAL MANAGEMENT INC | 15,702,067 | $782.3M | 1.29% |
| Invesco Ltd. | 15,380,046 | $766.2M | 1.26% |
| FMR LLC | 11,535,754 | $574.7M | 0.94% |
| GOLDMAN SACHS GROUP INC | 10,686,753 | $532.4M | 0.87% |
| Capital Research Global Investors | 10,177,539 | $507.1M | 0.83% |
| NORTHERN TRUST CORP | 9,633,057 | $479.9M | 0.79% |
| NORGES BANK | 9,115,736 | $454.1M | 0.75% |
Institutional ownership by quarter
% of shares held by 13F filers
Number of 13F filers holding
Holder changes by quarter
| Quarter | Holders | Ownership | New | Increased | Reduced | Closed |
|---|---|---|---|---|---|---|
| 2026-06-30 | 1,696 | 78.2% | 173 | 630 | 664 | 98 |
| 2026-03-31 | 1,637 | 76.2% | 154 | 631 | 643 | 142 |
| 2025-12-31 | 1,657 | 78.5% | 240 | 599 | 619 | 90 |
| 2025-09-30 | 1,549 | 77.4% | 129 | 623 | 573 | 88 |
| 2025-06-30 | 1,534 | 78.5% | 121 | 609 | 607 | 115 |
| 2025-03-31 | 1,545 | 79.8% | 120 | 630 | 589 | 107 |
| 2024-12-31 | 1,556 | 79.1% | 201 | 582 | 590 | 85 |
| 2024-09-30 | 1,463 | 78.6% | 150 | 542 | 565 | 83 |
| 2024-06-30 | 1,410 | 79.4% | 117 | 540 | 565 | 97 |
| 2024-03-31 | 1,414 | 77.7% | 138 | 540 | 557 | 89 |
| 2023-12-31 | 1,385 | 77.7% | 235 | 433 | 592 | 86 |
| 2023-09-30 | 1,258 | 76.3% | 113 | 444 | 551 | 130 |
Schedule 13D / 13G filers
| Filed | Form | Filer | % of class | Shares |
|---|---|---|---|---|
| None on file. | ||||
Required above 5% of a class; 13G is the passive form.
ETFs with the largest holding
| ETF | Weight in fund | Holding value |
|---|---|---|
| VITSX | 0.08% | $1.8B |
| VSMPX | 0.08% | $1.8B |
| VTI | 0.08% | $1.8B |
| VTSAX | 0.08% | $1.8B |
| VFINX | 0.09% | $1.5B |
| VFIAX | 0.09% | $1.5B |
Share structure
Shares outstanding1,221,630,000
Float1,219,450,612
Free float99.8%
Income statement
Fiscal years, USD| FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|---|
| Revenue | $23.1B | $22.3B | $29.9B | $24.3B | $30.4B |
| Cost of revenue | −$45.0M | $3.1B | $12.0B | $12.8B | $11.5B |
| Gross profit | $23.1B | $19.2B | $17.9B | $11.4B | $18.9B |
| R&D | $0 | $0 | $0 | $0 | $0 |
| SG&A | $8.9B | $6.9B | $6.8B | $6.8B | $8.0B |
| Operating income | $8.0B | $7.0B | −$765.0M | −$601.0M | $6.3B |
| EBITDA | $9.4B | $8.4B | $450.0M | $378.0M | $7.1B |
| Pretax income | $8.0B | $7.0B | −$765.0M | −$601.0M | $6.3B |
| Income tax | $1.6B | $1.2B | $738.0M | −$556.0M | $1.0B |
| Net income | $6.4B | $6.3B | −$1.1B | $4.8B | $5.3B |
| EPS, diluted | $4.47 | $4.43 | $-1.09 | $3.36 | $3.82 |
| Diluted shares | 1.3B | 1.3B | 1.3B | 1.3B | 1.3B |
Balance sheet
| FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|---|
| Cash & short-term investments | $173.4B | $93.2B | $97.6B | $44.3B | $45.4B |
| Receivables | $10.3B | $11.8B | $11.0B | $13.3B | $325.4B |
| Inventory | $0 | $0 | $0 | $0 | $0 |
| Total current assets | $184.9B | $106.2B | $109.7B | $58.7B | $370.8B |
| PP&E, net | $7.0B | $6.9B | $6.0B | $5.6B | $3.2B |
| Goodwill & intangibles | $32.1B | $34.4B | $22.4B | $22.4B | $18.4B |
| Total assets | $541.2B | $555.3B | $535.3B | $531.2B | $547.5B |
| Accounts payable | $0 | $0 | $0 | $0 | $0 |
| Total current liabilities | $421.5B | $435.4B | $419.1B | $417.8B | $428.2B |
| Long-term debt | $35.9B | $43.2B | $38.9B | $35.0B | $42.0B |
| Total liabilities | $472.0B | $494.7B | $476.1B | $467.5B | $482.3B |
| Shareholders' equity | $69.3B | $60.5B | $59.3B | $63.7B | $65.2B |
Cash flow statement
Outflows are negative| FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|---|
| Net income | $6.4B | $6.3B | −$1.0B | $4.8B | $5.3B |
| Depreciation & amortization | $1.4B | $1.4B | $1.2B | $979.0M | $837.0M |
| Stock-based compensation | $0 | $0 | $0 | $0 | $0 |
| Change in working capital | $655.0M | $5.0B | $271.0M | −$8.2B | −$2.9B |
| Operating cash flow | $7.9B | $11.1B | $8.6B | $2.2B | $5.7B |
| Capital expenditure | −$442.0M | −$564.0M | $0 | $0 | $0 |
| Free cash flow | $7.5B | $10.5B | $8.6B | $2.2B | $5.7B |
| Investing cash flow | −$32.1B | −$30.0B | $22.9B | $18.6B | −$17.8B |
| Net debt issued / repaid | −$4.0B | $26.5B | −$2.7B | $361.0M | $5.3B |
| Buybacks | −$3.0B | −$250.0M | $0 | −$1.8B | −$2.5B |
| Dividends paid | −$2.9B | −$3.0B | −$3.1B | −$3.1B | −$3.0B |
Ratio history
Margins on the fiscal-year (TTM at Q4) basis; multiples at each year end| FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|---|
| Gross margin | 100.2% | 87.8% | 60.9% | 47.0% | 62.2% |
| Operating margin | 34.8% | 30.2% | -2.2% | -2.5% | 20.9% |
| Net margin | 28.0% | 24.6% | -3.5% | 19.9% | 17.4% |
| FCF margin | 32.4% | 41.3% | 28.1% | 8.9% | 18.9% |
| ROE | 9.2% | 9.6% | -1.8% | 7.8% | 8.2% |
| ROIC | -10.2% | 19.4% | -2.2% | -0.6% | 5.9% |
| ROA | 1.2% | 1.1% | -0.2% | 0.9% | 1.0% |
| Debt / equity | 0.59 | 1.08 | 1.05 | 0.98 | 1.07 |
| Interest coverage | 10.4x | 3.3x | n/m | n/m | 0.6x |
| Current ratio | 0.44 | 0.24 | 0.26 | 0.14 | 0.87 |
| Revenue growth | −5.9% | +10.6% | +20.9% | −21.1% | +25.5% |
| EPS growth | +45.7% | −2.4% | −117.5% | +541.6% | +14.3% |
| P/E at year end | 10.0x | 7.8x | n/m | 11.4x | 11.9x |
| EV / EBITDA at year end | n/m | 2.3x | 16.7x | 193.3x | 12.4x |
| FCF yield at year end | 11.60% | 21.48% | 19.37% | 3.92% | 9.08% |
| Dividend payout | 44.3% | 47.7% | — | 65.1% | 56.5% |
Street estimates by fiscal year
Next report 2027-01-20 · consensus EPS $1.21 · these are analysts' numbers, not ours| Fiscal year | Revenue (mean) | Revenue range | EPS (mean) | EPS range | Analysts | P/E on mean EPS |
|---|---|---|---|---|---|---|
| 2026 | $21.0B | $20.9B – $21.1B | $4.70 | $4.56 – $5.07 | 10 | 10.0x |
| 2027 | $21.7B | $21.1B – $22.2B | $5.00 | $4.62 – $5.31 | 16 | 9.4x |
| 2028 | $22.6B | $22.3B – $22.8B | $5.59 | $4.91 – $6.03 | 13 | 8.4x |
Reported vs expected, every quarter on file
| Reported | EPS expected | EPS actual | EPS surprise | Revenue expected | Revenue actual | Revenue surprise |
|---|---|---|---|---|---|---|
| 2026-10-16 | $1.14 | $1.16 | +1.8% | $5.4B | $3.7B | −30.0% |
| 2026-07-17 | $1.08 | $1.23 | +13.9% | $5.2B | $5.3B | +1.4% |
| 2026-04-17 | $1.00 | $1.09 | +9.3% | $5.2B | $5.2B | +0.6% |
| 2026-01-21 | $1.09 | $1.00 | −8.3% | $5.3B | $5.3B | −0.2% |
| 2025-10-17 | $0.99 | $1.04 | +4.5% | $5.2B | $5.2B | −0.0% |
| 2025-07-18 | $0.92 | $0.91 | −1.4% | $5.0B | $5.0B | −0.5% |
| 2025-04-17 | $0.87 | $0.87 | −0.3% | $4.9B | $4.9B | −0.7% |
| 2025-01-17 | $0.88 | $0.91 | +3.4% | $5.0B | $5.1B | +0.4% |
| 2024-10-17 | $0.91 | $0.97 | +6.6% | $5.1B | $5.1B | −0.1% |
| 2024-07-22 | $0.64 | $0.91 | +42.0% | $4.8B | $1.1B | −76.4% |
| 2024-04-22 | $0.79 | $0.84 | +6.3% | $5.7B | $4.8B | −15.5% |
| 2024-01-18 | $0.88 | $0.81 | −8.0% | $5.7B | $5.7B | +0.2% |
| 2023-10-19 | $0.82 | $0.84 | +2.4% | $5.7B | $4.9B | −14.6% |
| 2023-07-20 | $1.01 | $0.95 | −5.9% | $6.0B | $5.0B | −16.8% |
| 2023-04-20 | $1.14 | $1.09 | −4.4% | $6.1B | $5.3B | −13.2% |
| 2023-01-19 | $1.29 | $1.30 | +0.8% | $6.2B | $6.3B | +2.1% |
| 2022-10-18 | $1.24 | $1.24 | 0.0% | $5.9B | $5.8B | −1.5% |
| 2022-07-19 | $1.16 | $1.20 | +3.4% | $5.7B | $5.7B | +0.1% |
| 2022-04-19 | $1.10 | $1.23 | +11.8% | $5.5B | $5.5B | +0.3% |
| 2022-01-18 | $1.26 | $1.38 | +9.5% | $5.5B | $5.5B | −0.1% |
| 2021-10-15 | $1.21 | $1.42 | +17.4% | $5.5B | $5.6B | +1.6% |
| 2021-07-15 | $1.17 | $1.55 | +32.5% | $5.5B | $5.7B | +3.1% |
| 2021-04-15 | $1.11 | $1.18 | +6.3% | $5.1B | $5.4B | +6.8% |
| 2021-01-21 | $0.97 | $1.18 | +21.6% | $4.4B | $5.7B | +27.6% |
Off-exchange (dark pool) volume, weekly
FINRA ATS, $ billions · through the week of 2026-08-31 (FINRA publishes with a delay)| Week of | Notional | Shares | Trades |
|---|---|---|---|
| 2026-08-31 | $254.9M | 5,044,387 | 90,784 |
| 2026-08-24 | $207.6M | 4,110,863 | 80,300 |
| 2026-08-17 | $237.9M | 4,608,950 | 93,787 |
| 2026-08-10 | $268.5M | 5,109,801 | 98,133 |
| 2026-08-03 | $303.9M | 5,800,350 | 97,174 |
| 2026-07-27 | $435.4M | 8,320,277 | 119,375 |
Short-sale share of off-exchange volume
daily 20-day average| Date | Short share | Short volume | Total volume |
|---|---|---|---|
| 2026-10-15 | 61.2% | 3,077,622 | 5,032,593 |
| 2026-10-14 | 65.5% | 1,466,469 | 2,240,330 |
| 2026-10-13 | 56.0% | 965,494 | 1,725,295 |
| 2026-10-12 | 55.4% | 1,069,798 | 1,930,797 |
| 2026-10-09 | 40.4% | 784,110 | 1,942,787 |
| 2026-10-08 | 37.7% | 1,032,302 | 2,739,331 |
| 2026-10-07 | 54.1% | 1,628,717 | 3,009,149 |
| 2026-10-06 | 42.0% | 1,063,408 | 2,534,372 |
| 2026-10-05 | 39.6% | 1,540,942 | 3,893,863 |
| 2026-10-02 | 59.8% | 1,626,402 | 2,718,400 |
A daily flow measure from FINRA, not short interest.
Seasonality
Average return by calendar month| Month | Avg return | Up years | Years |
|---|---|---|---|
| Jan | +1.9% | 65% | 20 |
| Feb | −0.9% | 40% | 20 |
| Mar | −2.7% | 43% | 21 |
| Apr | +3.5% | 55% | 20 |
| May | −0.5% | 55% | 20 |
| Jun | −1.1% | 45% | 20 |
| Jul | +1.9% | 60% | 20 |
| Aug | +0.4% | 60% | 20 |
| Sep | +1.3% | 50% | 20 |
| Oct | +0.6% | 65% | 20 |
| Nov | +2.8% | 70% | 20 |
| Dec | +1.2% | 70% | 20 |
History, not a forecast.
Indicators
as of 2026-10-16RSI 1447.8
MFI46.5
ADX27.9
Stochastic %K / %D49.4 / 39.8
Williams %R-29.4
CCI59
TSI / signal-25.2 / -29.5
Chaikin money flow-0.04
ATR$0.99
Bollinger width7.0%
Volume vs 20-day avg1.39x
SupertrendDown
Moving averages and bands
level (price vs level)SMA 20$46.69 (+0.8%)
SMA 50$49.12 (−4.2%)
SMA 200$49.48 (−4.9%)
EMA 21$47.01 (+0.1%)
EMA 50$48.37 (−2.7%)
EMA 200$48.63 (−3.2%)
Bollinger upper$48.32 (−2.6%)
Bollinger lower$45.05 (+4.5%)
Parabolic SAR$45.06 (+4.5%)
Open the live chart, 110+ indicatorsAbout Truist Financial Corporation
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.
https://www.truist.com
Key executives
| Name | Title | Pay | Born |
|---|---|---|---|
| William Henry Rogers Jr. | Executive Chairman | $5.8M | 1958 |
| Kristin Lesher | Senior EVP & Chief Wholesale Banking Officer | $2.7M | 1973 |
| Michael Baron Maguire | Senior EVP & CFO | $2.5M | 1979 |
| Donta L. Wilson | Senior EVP and Chief Consumer & Small Business Banking Officer | $2.5M | 1976 |
| Bradley D. Bender | Senior EVP & Chief Risk Officer | $2.0M | 1981 |
| Jodie E. Hughes | Director of Regional Commercial Real Estate & President of Washington Region | — | 1970 |
| Michael Patrick Lyons | President, CEO & Director | — | 1971 |
| Scott A. Stengel | Senior EVP, Chief Legal Officer, Head of Government Affairs & Corporate Secretary | — | 1972 |
Executive pay, latest proxy
| Executive | Year | Salary | Stock awards | Incentive | Total |
|---|---|---|---|---|---|
| Kelly S. King Chairman and Chief Executive Officer | 2014 | $1.0M | $2.1M | $3.4M | $14.1M |
| Ricky K. Brown Senior Executive Vice President and President, Community Banking | 2014 | $665,000 | $852,383 | $1.4M | $6.8M |
| Christopher L. Henson Chief Operating Officer | 2014 | $665,000 | $852,383 | $1.4M | $6.1M |
| Clarke R. Starnes III Senior Executive Vice President and Chief Risk Officer | 2014 | $560,000 | $648,063 | $1.1M | $5.4M |
| Daryl N. Bible Senior Executive Vice President and Chief Financial Officer | 2014 | $560,000 | $648,063 | $1.1M | $3.2M |
Employees
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| 2026-08-14 | $0.52 | 2026-09-01 |
| 2026-05-08 | $0.52 | 2026-06-01 |
| 2026-02-13 | $0.52 | 2026-03-02 |
| 2025-11-14 | $0.52 | 2025-12-01 |
| 2025-08-08 | $0.52 | 2025-09-02 |
| 2025-05-09 | $0.52 | 2025-06-02 |
| 2025-02-14 | $0.52 | 2025-03-03 |
| 2024-11-08 | $0.52 | 2024-12-02 |
Moat model
None · Efficient Scale · 2026-06-30Cost advantage34
Intangibles47
Switching costs21
Network effect40
Efficient scale55
Our component scores (0-100) and overall 38.1; a model of the business, not a call on the stock.
InsiderStreet reports findings from filings and market data. Nothing on this page is a recommendation to buy or sell.Every figure is computed in code · data as of 2026-10-17