InsiderStreet Equity Research

Produced by InsiderStreet.ai from live production data. It is not investment advice, not an offer or solicitation to buy or sell any security, and not a recommendation for any investor. Do not rely on it for any investment decision.

Last Close

$47.07

2026-10-16

Market Cap

$57.5B

Volume

14.1M

52-Wk High

$56.20

52-Wk Low

$41.60

Trailing PE

12.0

P/S

2.00

Gross Margin

65.3%

Net Margin

18.0%

ROE

8%

ROIC

1%

Piotroski

7/9

Altman Z

0.2

1-Yr Return

+16.0%

5-Yr Return

+36.1%

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.

SectorFinancial ServicesIndustryBanks - RegionalExchangeNYSEMarket Cap$57.5BEmployees0 (SEC-filed)CEOMichael LyonsIPO1980-03-18CountryUS

214 North Tryon Street, Charlotte, NC 28202 · Tel 844 487 8478 · truist.com

INSIDERSTREET SCORE50 / 100Street mean $53.75 (4 analysts, last qtr) — their number, not ours

INSIDER CONSENSUS SIGNALTWO-WAY FLOW$1.0M buys against $1.6M sells / 6 mo

1 Year vs S&P 500 · TFC +16.0% · S&P 500 +15.9% · spread +0.1pp

7 Years vs S&P 500 · TFC +36.1% · S&P 500 +189.9% · spread -153.8pp

Both charts indexed to 100 at the start of their window and drawn on a single shared scale, so the gap to the benchmark is the gap you see. Adjusted closes throughout.

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INSIDERSTREET
SCORE50of 100

Score Breakdown

Profitability	58/100
Growth	47/100
Momentum	69/100
Quality	67/100
Earnings Quality	93/100
Balance Sheet	20/100
Value	85/100
Risk (safety)	50/100
Overall	49.5/100

Each component is a diagnostic reading on its own 0-100 scale. The overall score is computed separately from the underlying financials and is not the average of the rows above — components are not equally weighted and three of them (Momentum, Value, Risk) are derived partly from price rather than from the business.

Peer Comparison — IS Score

Symbol	IS Score
NU	19
FITB	51
PNC	51
USB	59
MTB	56
HBAN	59
TFC	50

IS Score Trend — quarterly

14 quarters, 23 Q1 to 26 Q2. Peak 59 in 23 Q2, latest 50 — -9 since. Dropped below the 55 line in 26 Q2, at 50. Fell in 1 of the last 4 quarters. Dashed line marks 40 on the 0-100 scale.

BUSINESS QUALITY50 / 100IS Score 49.5 / 100 · -9.0 from peak of 59

Fundamental factor model, quarterly. Measures how the business is doing - not where the price is going.

PRICE STRUCTURENEUTRALTechnical Score 48 / 100 · Power -4 · 11 of 22 indicator votes bullish

Vote share across trend, momentum, volume, volatility and pattern families. Describes where the price is, not where it is going.

Both readings sit below the midpoint — business quality at 50 and price structure at 48 out of 100 — so they are not in conflict. The fundamentals and the tape are saying the same thing, which is the case in which either one alone would have been enough.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Trigger	Where it stands now	What it would mean
IS Score reaches 55 and holds two consecutive quarters	now 49.5	would move us up one band
IS Score stops falling - one quarter higher than the prior	last four: 50 → 56 → 57 → 50	the direction matters more than the level
Technical vote share back above 50%	now 55%	price structure no longer broken
Institutional holder count rises two quarters running	peak 1,696 → now 1,696	fewer institutions willing to hold is our clearest warning

We publish these so the view can be shown to be wrong. If none of them move and our reading does, we owe you an explanation.

This page is InsiderStreet's own reading, produced from the data in the rest of this document. It is not a price target and not investment advice. Analyst consensus and street price targets appear later under their own heading and are the street's numbers, not ours.

Site Convergence Score3 of 4top 4% of 29,420 symbols

Sources Aligned— of 3independent disclosures

Congress (180d)1 buys2026-03-27

Insider Buys (180d)1$1.02M

ETF Funds (30d)1126 up / 1126 downnet +0 funds

Institutions Added (13F)59managers opening or increasing

Congressional and insider figures are disclosed purchases in the trailing 180 days; ETF figures are COUNTS OF FUNDS whose holding changed in 30 days, not dollars. Coincidence of separate disclosures, not coordination. An absent source means nothing qualifying was disclosed in its window.

Institutions holding — 12 quarters

Peak 1,696 · latest 1,696 (+0 from peak).

Quarter	Holders	13F shares	Value	Reported own%
2026 Q2	1,696	957.9M	$47.1B	78.2%
2026 Q1	1,637	933.5M	$43.1B	76.2%
2025 Q4	1,657	961.9M	$47.8B	78.5%
2025 Q3	1,549	947.8M	$43.7B	77.4%
2025 Q2	1,534	961.2M	$41.2B	78.5%
2025 Q1	1,545	977.1M	$39.9B	79.8%
2024 Q4	1,556	969.3M	$41.9B	79.1%
2024 Q3	1,463	962.8M	$41.0B	78.6%
2024 Q2	1,410	972.3M	$37.6B	79.4%
2024 Q1	1,414	951.1M	$36.8B	77.7%
2023 Q4	1,385	952.2M	$35.0B	77.7%
2023 Q3	1,258	934.1M	$26.6B	76.3%

How to read ownership above 100%. A 13F reports the positions a manager has investment discretion over, and where two or more managers share discretion over the same block, each one reports it. Summed across filers, the total can therefore exceed the shares actually outstanding without anything being wrong. We publish the figure as filed rather than netting it down, and flag separately any quarter where the arithmetic is not merely high but impossible.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Insider	Role	Date	Type	Shares	Value	Post-Txn Owned
Lyons Michael P.	director, President & CEO	2026-09-17	BUY	21,000	$1.02M	21,000
Lyons Michael P.	director, President & CEO	2026-09-01	A-Award	84,951	—	84,951
Lyons Michael P.	director, President & CEO	2026-09-01	A-Award	266,990	—	266,990
Wilson Donta L	Chief Consumer & SB BK Officer	2026-07-31	SELL	13,280	$0.69M	56,009
Bessant Catherine P	director	2026-07-28	A-Award	2,338	—	2,338
Boyer K. David Jr.	director	2026-07-23	SELL	3,986	$0.20M	10,270
Rogers William H Jr	director, Chairman & CEO	2026-07-20	SELL	13,250	$0.69M	0
Bender Bradley D	Chief Risk Officer	2026-06-01	EXERCISE	16,149	—	21,896

6-mo decomposition (Form 4)	Txns	Shares	Value	Signal weight
S — Open-market sales	3	30,516	$1.6M	Counted
P — Open-market purchases	1	21,000	$1.0M	Counted
M — Exercises (paired A/D)	5	25,899	—	None — mechanics
F — Tax withholding	10	77,378	$3.4M	None — compensation

Monthly Net Insider Flow (000 shares)

Net of acquisitions minus dispositions, all Form 4 types.

Signal Summary

SignalTwo-Way Flow

Open-Market Sells$1.6M3 txns / 6 mo

Open-Market Buys$1.0M1 txns / 6 mo

ClusterNone active3+ insiders / 21 days

Member	Chamber	Trade	Size band	Traded	Disclosed
Lloyd Smucker	House	SELL	$1,001 - $15,000	2026-04-17	2026-05-01
Lloyd K. Smucker	House	SELL	$1,001 - $15,000	2026-04-17	2026-05-01
Ro Khanna	House	BUY	$15,001 - $50,000	2026-03-30	2026-04-09
Alan Armstrong	Senate	BUY	$1,001 - $15,000	2026-03-27	2026-07-21
Shelley Moore Capito	Senate	SELL	$15,001 - $50,000	2023-12-29	2024-01-12
Shelley Moore Capito	Senate	SELL	$15,001 - $50,000	2023-12-29	2024-01-11

House 12-Mo7 trades2 purchases

Senate 12-Mo1 trades1 purchases

CoverageSTOCK Act filings30-45 day disclosure lag

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

13F Filers (last complete Q)1,637

13F Shares933M76.2% of shares out

New / Closed154 / 142positions, QoQ

Increased / Reduced631 / 643positions, QoQ

Put/Call (13F)1.05option positions

Free Float99.8%1.22B sh

2.8 · Largest Reporting 13F Managers

Manager	Shares	Value
Assenagon Asset Management S.A.	1.9M	$88M
Artemis Investment Management Llp	1.9M	$87M
Douglas Lane & Associates, Llc	1.2M	$54M
Fort Washington Investment Advisor	1.1M	$50M
Deprince Race & Zollo Inc	744,291	$34M
Wealth Enhancement Advisory Servic	601,694	$28M

EDGAR 13F holdings as of 2026-09-30; filer values normalized to dollars.

2.9 · Top ETF & Fund Ownership

Fund	Weight	Position
VITSX	0.1%	$1.8B
VSMPX	0.1%	$1.8B
VTI	0.1%	$1.8B
VTSAX	0.1%	$1.8B
VFINX	0.1%	$1.5B
VFIAX	0.1%	$1.5B

13F Filers Holding TFC — quarterly

Institutional Put/Call — quarterly

Daily short-sale volume as % of volume reported in FINRA's short-sale file — a flow measure, not short interest; dashed = 50-day average.

Latest Session61.2%2026-10-15

20-Day Avg58.0%50-day 57.6%

TrendRising20d vs 50d

By Market CenterQ: 61% · N: 67% · B: 42%latest session

Weekly Notional ($B)

Where TFC Trades in the Dark

ATS Venue (4-wk)	Shares	Avg trade
Incr Intelligent Cross Llc	9.3M	74 sh
Ebxl Level Ats	6.6M	55 sh
Ubsa Ubs Ats	4.2M	62 sh
Mstx Ms Trajectory Cross (Ats-1)	4.1M	89 sh
Sgmt Sigma X2	2.8M	68 sh
Mlix Instinct X	2.5M	83 sh

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Where a dollar of Truist Financial Corporation revenue goes. All values FY2025 filings, live. Product segmentation not yet parsed for this symbol — revenue shown unsegmented.

TFC (live moat model)Peer median: NU · FITB · PNC · USB · MTB

Component scores from the live moat model. Peer median illustrative.

Moat score 38/100 — None; primary source Efficient Scale.

3.8 · Employees (SEC filings)

Officer	Title
William Henry Rogers Jr.	Executive Chairman
Kristin Lesher	Senior EVP & Chief Wholesale Banking Officer
Michael Baron Maguire	Senior EVP & CFO
Donta L. Wilson	Senior EVP and Chief Consumer & Small Business Banking Officer

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Revenue ($B)

EPS ($) — GAAP diluted actual, street-basis estimate

Actual bars are GAAP diluted EPS from the filed income statement; the lighter forward bars are street-basis consensus. The two are different measures and are not comparable quarter to quarter.

Quarterly EPS — Actual vs. Consensus

Beats (>2%)3 of 6recent quarters

Avg Surprise+3.3%

Next Report2027-01-20

Income Quality0.99OCF ÷ net income

Beat Rate—%0 of 0 quarters

Current Streak0longest 0

Avg EPS Surprise—%median —%

Surprise Trend—last 4 vs prior 4

Period	EPS est.	EPS actual	EPS surprise	Rev est. ($M)	Rev actual ($M)	Rev surprise

Announcement dates to . Consensus as it stood at each report. Revenue surprise shown where both estimate and actual are filed. A beat record is history, not a forecast.

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Profit Margins (%)

YoY Growth Heatmap — Income Lines

YoY growth	FY21	FY22	FY23	FY24	FY25
Revenue	-5.6%	-3.3%	+34.3%	-19.0%	+25.5%
Gross profit	+13.4%	-16.9%	-6.7%	-36.3%	+66.0%
Operating income	+46.0%	-12.1%	-110.9%	-21.4%	-1156.4%
Net income	+43.7%	-2.8%	-117.4%	-541.6%	+10.1%

$B · FY ends	FY21	FY22	FY23	FY24	FY25
Revenue	23.1	22.3	30.0	24.3	30.4
Cost of revenue	-0.0	3.1	12.0	12.8	11.5
Gross profit	23.1	19.2	17.9	11.4	18.9
R&D expense	0.0	0.0	0.0	0.0	0.0
SG&A expense	8.9	6.9	6.8	6.8	8.0
Operating income	8.0	7.0	-0.8	-0.6	6.3
EBITDA	9.4	8.4	0.5	0.4	7.1
D&A	1.4	1.4	1.2	1.0	0.7
Pretax income	8.0	7.0	-0.8	-0.6	6.3
Income tax	1.6	1.2	0.7	-0.6	1.0
Net income	6.4	6.3	-1.1	4.8	5.3
Diluted EPS ($)	4.47	4.43	-1.09	3.36	3.82
Diluted shares (M)	1,349	1,338	1,332	1,331	1,285

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Operating CF$6B

CapEx$0B

Free cash flow$6B

SBC$0B

Buybacks$2B

Net cash change$-3B

Balance Sheet — Full

$B	FY22	FY23	FY24	FY25
Cash & equivalents	21.4	30.2	39.8	36.4
ST investments	71.8	67.4	4.6	9.0
Receivables (net)	11.8	11.0	13.3	325.4
Total current assets	106.2	109.7	58.7	370.8
PP&E (net)	6.9	6.0	5.6	3.2
Goodwill + intangibles	34.4	22.4	22.4	18.4
Total assets	555.3	535.3	531.2	547.5
Accounts payable	0.0	0.0	0.0	0.0
Short-term debt	21.9	23.2	27.3	27.8
Deferred revenue	0.0	0.0	0.0	0.0
Total current liabilities	435.4	419.1	417.8	428.2
Long-term debt	43.2	38.9	35.0	42.0
Total liabilities	494.7	476.1	467.5	482.3
Shareholders' equity	60.5	59.3	63.7	65.2

Cash Flow Statement — Full

$B	FY22	FY23	FY24	FY25
Net income	6.3	(1.0)	4.8	5.3
D&A	1.4	1.2	1.0	0.8
Stock-based compensation	0.0	0.0	0.0	0.0
Working capital change	5.0	0.3	(8.2)	(2.9)
Operating cash flow	11.1	8.6	2.2	5.7
Capital expenditures	(0.6)	0.0	0.0	0.0
Investing cash flow	(30.0)	22.9	18.6	(17.8)
Buybacks	(0.2)	0.0	(1.8)	(2.5)
Dividends paid	(3.0)	(3.1)	(3.1)	(3.0)
Debt issuance / (repay)	26.5	(2.7)	0.4	5.3
Financing cash flow	20.0	(22.3)	(11.6)	8.6
Free cash flow	10.5	8.6	2.2	5.7

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Balance Sheet Structure ($B)

Cash Generation vs Capex ($B)

Left: what the balance sheet is made of — the gap between the assets bar and the liabilities bar is book equity. Right: whether the capex bar is covered by the operating-cash bar; where it is not, the difference was funded externally and free cash flow goes negative.

Ratio	FY21	FY22	FY23	FY24	FY25	TTM
PROFITABILITY
ROE	9.2%	9.6%	-1.8%	7.8%	8.2%	8%
ROA	1.2%	1.1%	-0.2%	0.9%	1.0%	0.9%
ROIC	-10.2%	19.4%	-2.2%	-0.6%	5.9%	0.9%
Gross margin	100.2%	86.1%	59.8%	47.0%	62.2%	65.3%
Operating margin	34.7%	31.5%	-2.6%	-2.5%	20.9%	20.7%
Net margin	27.9%	28.1%	-3.6%	19.9%	17.4%	18.0%
EBITDA margin	40.7%	37.7%	1.5%	1.6%	23.2%	22.8%
FCF margin	32.4%	41.3%	28.1%	8.9%	18.9%	—
VALUATION
P/E	9.97	7.81	-40.84	11.44	11.92	12.0
P/B	0.93	0.81	0.75	0.87	0.97	0.9
P/S	2.79	1.92	1.45	2.27	2.08	2.00
P/FCF	8.62	4.66	5.16	25.48	11.02	9.9
EV/EBITDA	-7.29	2.29	16.73	193.33	12.43	18.2
EV/Revenue	-2.97	0.82	0.30	3.01	2.88	4.1
Earnings yield	10.0%	12.8%	-2.4%	8.7%	8.4%	9.11%
FCF yield	11.6%	21.5%	19.4%	3.9%	9.1%	10.08%

Ratio	FY21	FY22	FY23	FY24	FY25	TTM
LEVERAGE & SOLVENCY
Current ratio	0.44	0.24	0.26	0.14	0.87	0.34
Quick ratio	0.44	0.24	0.26	0.14	0.87	0.34
Debt / equity	0.59	1.08	1.05	0.98	1.07	1.07
Debt / assets	7.6%	11.7%	11.6%	11.7%	12.7%	11.9%
Net debt / EBITDA	-14.13	-3.12	-65.33	47.47	3.46	9.40
Interest coverage	10.41	3.30	-0.07	-0.05	0.63	—

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Ratio	FY21	FY22	FY23	FY24	FY25	TTM
EFFICIENCY
Asset turnover	0.04	0.05	0.06	0.05	0.06	0.05
Receivables turnover	11.28	10.32	16.71	16.72	0.19	0.1
DSO (days)	32	35	22	22	1963	—
DPO (days)	—	0	0	0	0	—
Cash conversion cycle	—	35	22	22	1963	3903
GROWTH (YoY)
Revenue growth	-5.9%	10.6%	20.9%	-21.1%	25.5%	—
Net income growth	43.7%	-2.8%	-117.4%	541.6%	10.1%	—
EPS growth	45.7%	-2.4%	-117.5%	541.6%	14.3%	—
FCF growth	12.5%	40.9%	-17.8%	-74.9%	165.2%	—
PER SHARE ($)
EPS (diluted, TTM)	4.80	4.68	-0.82	3.61	4.13	4.29
Book value / share	51.58	45.25	44.31	47.75	50.73	50.80
Revenue / share	17.12	19.02	23.05	18.18	23.69	23.79
FCF / share	5.55	7.85	6.47	1.62	4.47	4.79
Cash / share	129.12	69.71	73.18	33.23	35.30	3.50
SHAREHOLDER RETURN & SCORES
Buyback yield	4.7%	0.5%	0.0%	3.2%	5.5%	7.43%
Altman Z-Score	-0.29	-0.49	-0.53	-0.64	0.11	0.2
Piotroski F-Score	8	5	6	4	8	7/9
Beneish M-Score	-2.45	-2.07	-2.46	-2.16	18.69	-3.39

Model	Score	Zone	Note
Piotroski F-Score	7 / 9	Strong
Altman Z-Score	0.2	Distress (<1.81)	Distress
Income quality	0.99	Accrual-heavy	OCF ÷ net income
Beneish M-Score	-3.39	Non-manipulator	vs −2.22 threshold

DuPont Decomposition (TTM)	Value
Tax burden	0.86
Interest burden	1.00
Operating margin	22.3%
Asset turnover	0.06×
Financial leverage	8.53×
= ROE	9%

Growth Quality (live)	Value
Revenue stability	0.63
Earnings stability	0.03
Earnings persistence	0.50
Revenue CAGR 3y	2.0%
EPS CAGR 3y	0.9%
FCF CAGR 3y	-18.2%

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Buyback Yield7.43%

Dividend Yield4.42%

Total Shareholder Return10.51%cash yield

SBC / Revenue0.0%dilution pressure

Company	Mkt cap	P/E	ROE	Net margin	Rev growth	Piotroski	1-yr ret
NU	$70.3B	19.7	32%	19.2%	+54.9%	4/9	-1.2%
FITB	$45.7B	17.0	8%	18.1%	+15.9%	6/9	+29.0%
PNC	$86.7B	11.6	13%	22.6%	+3.9%	4/9	+21.9%
USB	$91.5B	11.4	13%	19.9%	+3.3%	8/9	+28.6%
MTB	$31.1B	11.2	11%	24.3%	-5.8%	7/9	—
HBAN	$30.9B	11.2	9%	17.4%	+18.5%	7/9	—
CFG	$26.7B	12.7	8%	18.4%	-4.5%	7/9	—
FCNCA	$24.0B	11.4	11%	18.6%	-1.3%	7/9	—

1-yr returns computed from adjusted price history; peers without a tracked series show —.

Buy

54 Analysts

Str Sell (0)Sell (3)Hold (24)Buy (27)Str Buy (0)

Mean Target (qtr)$53.754 targets

Target vs. Price+14.2%last-quarter mean

Next Report2027-01-20street $1.21

Consensus estimates	Revenue mean	High / Low	EPS mean	High / Low	# EPS est.
FY2026	$21.02B	$21.13B / $20.94B	$4.70	$5.07 / $4.56	10
FY2027	$21.68B	$22.18B / $21.09B	$5.00	$5.31 / $4.62	16
FY2028	$22.58B	$22.79B / $22.29B	$5.59	$6.03 / $4.91	13

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Street Price Target — Trajectory

Window	Avg Target	vs. Price	# Targets
Last Month	$51.00	+8.3%	2
Last Quarter	$53.75	+14.2%	4
Last Year	$55.68	+18.3%	22
All Time	$55.75	+18.4%	53

Rolling mean of published targets vs. last close $47.07. Aggregated from StreetInsider, Benzinga, Pulse 2.0.

Third-Party Composite Rating

B+

DCF

5/5

ROE

3/5

ROA

3/5

Debt/Eq

2/5

P/E

3/5

P/B

3/5

Independent quant composite as of 2026-10-16; components scored 1–5 (5 best). Shown for contrast with the InsiderStreet Score — methodologies differ.

TFC +16.0% vs S&P 500 +15.9% — spread +0.1pp

Sector — XLF +7.2%

Peer Set — indexed to 100

All series indexed to 100 at the start of the window, adjusted closes.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Candlesticks with SMA 20/50 overlay, Bollinger (20,2σ) band, volume, and Wilder RSI(14) — computed from live daily OHLCV.

Moving Average	Value	Distance	% Distance	Signal
SMA 20	$46.69	+0.38	+0.81%	Above
SMA 50	$49.12	-2.05	-4.17%	Below
SMA 200	$49.48	-2.41	-4.87%	Below
EMA 9	$46.43	+0.64	+1.38%	Above
EMA 21	$47.01	+0.06	+0.13%	Above
EMA 50	$48.37	-1.30	-2.69%	Below
EMA 200	$48.63	-1.56	-3.21%	Below

Series and readings from the nightly technical-indicator history — identical data to the site's ribbon chart. Supertrend segments colored by direction.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

TECHNICAL VERDICTNEUTRALPower Score -411 of 22 indicator votes bullish

Family Scores (site weights)

Trend 30%40

Momentum 25%60

Volume 20%50

Volatility 10%33

Patterns 15%50

This Week55% bullishof 11 price-based votes

4 Weeks Ago9%+46 pts since

12 Weeks Ago45%+10 pts since

ReadImprovingweek-over-week trajectory

Price vs SMA 20$46.69

Price vs SMA 50$49.12

Price vs SMA 200$49.48

EMA 9/21 Cross46.4/47.0

SMA 50/200Death

ADX DirectionADX 28

Supertrend$48

Parabolic SAR$45

SMA Slope-0.070

RSI47.8

Stochastic K/D49/40

StochRSI K/D82/74

Williams %R-29

CCI59

TSI vs Signal-25.2

CMO-4.4

ROC1.40%

OBV SignalDistrib

Chaikin MF-0.040

MFI46

Force Index2M

Elder Ray Bull0.94

RSI (14)30 oversold · 70 overbought

Stochastic %Kvs %D 40

Money Flowvolume-weighted RSI

ADXtrend strength · <20 weak

Williams %Rinverted scale

Level	Value	Level	Value
Pivot / R1 / R2	$46.27 / $47.03 / $47.49	S1 / S2	$45.81 / $45.05
Bollinger (20,2)	$45.05 – $48.32	Squeeze	Off
52-wk range	$40.31 – $55.64	Off 52-wk high	-15.3%
ATR (14)	$0.99 (2.1%)	Historical vol	19.3%

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

+1.9%Jan65%

-0.9%Feb40%

-2.7%Mar43%

+3.5%Apr55%

-0.5%May55%

-1.1%Jun45%

+1.9%Jul60%

+0.4%Aug60%

+1.3%Sep50%

+0.6%Oct65%

+2.8%Nov70%

+1.2%Dec70%

Sample: 20 years — treat short histories as suggestive, not statistical.

Computed from live weekly prices	TFC	S&P 500
Weekly volatility (σ, 1y)	3.25%	1.83%
Best / worst week (1y)	+9.5% / -8.5%	—
Max drawdown (5y, monthly)	-54.2%	—
1-week VaR (95%)	-5.0%	—
Beta (5y)	0.86	1.00

TFC EQUITY WEATHER (LIVE)RAINY · -31

Trend-48

Momentum+2

Volume-31

Volatility-60

Breadth-23

MARKET REGIME (2026-10-16)NEUTRAL

VIX19.99Normal

Dow TheoryConfirmed Bearish

SPY / QQQ TSI7.2 / 4.7trend strength

Sector Strength46/100breadth average

Average sentiment of 225 stories, weekly buckets, −1 to +1.

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NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Overall-31.2-8.3 vs industry

Trend-47.6-23.6 vs industry

Momentum+2.1+16.2 vs industry

Volume-30.7+3.9 vs industry

Reading	TFC	Banks - Regional n=1,560	Financial Services n=24,134	All US symbols n=70,435
Overall	-31.2	-22.8	-16.3	-20.5
Trend	-47.6	-24.0	-12.5	-21.3
Momentum	+2.1	-14.1	-4.4	-15.8
Volume	-30.7	-34.6	+0.0	-3.8

Trend, momentum and volume are computed per company. Volatility and breadth are market-regime values shared by every symbol in the universe, so they are reported once under Market Regime rather than compared here - a company cannot differ from its sector on a constant.

Executive	Total comp	Structure
Kelly S. King Chairman and Chief Executive O	$14.1M	39% equity+incentive
Ricky K. Brown Senior Executive Vice Preside	$6.8M	32% equity+incentive
Christopher L. Henson Chief Operating Office	$6.1M	36% equity+incentive
Clarke R. Starnes III Senior Executive Vice	$5.4M	32% equity+incentive
Daryl N. Bible Senior Executive Vice Preside	$3.2M	53% equity+incentive

Pillar (live disclosure scores)	Score
Environmental	16
Social	24
Governance	29
Composite ESG	23

Composite ESG Trend

Methodology. Every figure originates in InsiderStreet's production data layer and is computed deterministically by the same engines that power insiderstreet.ai. This factsheet contains no model-written text. Sections without underlying data are omitted rather than estimated.

DISCLOSURES. This document is produced by InsiderStreet.ai from live production data. It is not investment advice, not an offer or solicitation to buy or sell any security, and not a recommendation tailored to any person. Data is sourced as of the dates shown and may no longer be current. InsiderStreet.ai is not a registered investment adviser or broker-dealer. Investing involves risk, including loss of principal. Past performance does not guarantee future results. Do not make any investment decision based on this document. © 2026 InsiderStreet.ai — all rights reserved. Redistribution prohibited.

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NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Data domain	Source	Coverage for this report
Price & volume	market_db.historical_prices	52 rows
Fundamentals	income_statements_annual	6 rows · 2020 to 2025
Reported vs consensus	fact/earnings_calendar	24 rows · 2021-01-21 to 2026-10-16
Analyst estimates	dim/forward_estimates	3 rows · 2026-12-31 to 2028-12-31
Institutional ownership (13F)	holdings_db.institutional_ownership_summary	53 rows · 1987 to 2026
Insider transactions (Form 4)	edgar/form4	12 rows · 2026-03-13 to 2026-09-17
Proposed sales (Form 144)	edgar/form144	not present for this symbol
Beneficial ownership (13D/G)	edgar/13dg	not present for this symbol
Short-sale volume (FINRA)	edgar/short_volume_daily	60 rows · 2026-07-23 to 2026-10-15
Dark pool (ATS, tier 1)	edgar/darkpool_weekly	12 rows · 2026-06-15 to 2026-08-31
ETF & fund holding	etf_holdings_changelog (30d)	1 record
Peer set	stock_peers_dynamic	8 rows
Industry medians	industry_medians	1 record
Congressional trades	congress_db (House + Senate)	1 record
ESG	fact/esg_disclosures	1 record

Method. Every figure in this factsheet is looked up from a named field computed in code. It contains no model-written text.

Not covered. Short interest as a percent of float and days-to-cover are not in this data set — the short-sale figures above are FINRA volume, a flow, and cannot support squeeze or covering analysis. Options positioning and intraday data are also absent. 13F ownership is filed 45 days after quarter end and congressional trades are disclosed on a lag, so both describe a past position, not a current one.

Truist Financial Corporation (TFC)

Truist Financial Corporation (TFC)

Score Breakdown

Peer Comparison — IS Score

IS Score Trend — quarterly

Truist Financial Corporation (TFC)

Institutions holding — 12 quarters

Truist Financial Corporation (TFC)

Monthly Net Insider Flow (000 shares)

Signal Summary

Truist Financial Corporation (TFC)

2.8 · Largest Reporting 13F Managers

2.9 · Top ETF & Fund Ownership

13F Filers Holding TFC — quarterly

Institutional Put/Call — quarterly

Where TFC Trades in the Dark

Truist Financial Corporation (TFC)

3.8 · Employees (SEC filings)

Truist Financial Corporation (TFC)

Truist Financial Corporation (TFC)

Truist Financial Corporation (TFC)

Balance Sheet — Full

Cash Flow Statement — Full

Truist Financial Corporation (TFC)

Truist Financial Corporation (TFC)

Truist Financial Corporation (TFC)

Truist Financial Corporation (TFC)

Street Price Target — Trajectory

Third-Party Composite Rating

Truist Financial Corporation (TFC)

Truist Financial Corporation (TFC)

Family Scores (site weights)

Truist Financial Corporation (TFC)

Truist Financial Corporation (TFC)

Truist Financial Corporation (TFC)