Truist Financial Corporation
TFC · Price history
Price at last available close
$48.54
+$1.45 (+3.08%) 1M
2026-10-27
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Company & revenue
About Truist Financial Corporation
Primary reporting period: 2025-12-31 · Research updated Oct 12, 2026. A research update is not a new financial filing.
Who they are
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).
How they make money
Truist Financial Corporation is a financial services company that generates revenue primarily through net interest income from loans and leases, as well as noninterest income from fees for banking, trust, and investment services provided to individuals, businesses, and municipalities.
Products & services
Banking and trust services, including consumer and commercial lending, deposit accounts, wealth management, mortgage banking, and digital financial platforms.
Brands & revenue mix
The primary brand under which the company provides its banking and financial services.
Separate brand revenue is not available in this research.Source
Revenue share is not unit sales or a best-seller ranking. Parent brands and included sub-brands can overlap; do not add overlapping rows.
Product / operating segments
No reconciled product or operating-segment revenue breakdown is available for the current research period. Company-wide revenue remains separate from segment disclosure.
Geographic revenue
No reconciled geographic revenue breakdown was confirmed for the current research period.
Customer concentration
No quantified customer-concentration disclosure is available in the current saved research.
Suppliers, materials & equipment
- Technology and software service providers — The company relies on various unnamed third-party technology and software vendors to support its digital banking platforms and operational infrastructure.Source
Competitors
Strengths
Sources
Wall Street Score
Overall investment score · Quality, value, risk and opportunity
48
Weak
View category scores →
Company Quality
How good is the actual business—regardless of today’s stock price?
36
Poor
Financial Strength
46
Business Quality / Moat
39
Management
29
Growth Quality
18
Risk / Durability
36
Uses financial strength, moat, management, growth quality and durability. It excludes share price, P/E, market cap, intrinsic value and margin of safety.
Opportunity
Opportunity Score · How does the current price compare with estimated value?
62
Fully Valued
Based on current valuation, company quality, recent trends, and available market signals.
View score details →
Model Outlook
12-month model · What does the model think happens next?
55/100
Building Historical Record
Model Score 55/100 — estimates relative performance potential, distinct from the overall Wall Street Score and the separate Company Quality score.
Probability unavailable — the model has not produced a calibrated probability yet.
Click for full breakdown →
WSS View
The quick read
The overall Wall Street Score is low across its combined quality, valuation and risk inputs. This can reflect an expensive share price, business weaknesses, or both; check Company Quality and the category breakdown before drawing a conclusion.
At today’s price, the WSS valuation framework currently reads as moderate rather than unusually attractive.
The model outlook is currently moderate.
- •Valuation scores attractively
- •Recent buyback activity is present
- •Elevated debt risk
- •Revenue fundamentals are weak
- •Debt / balance-sheet profile needs attention
Company-specific research
Questions worth answering for TFC
These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.
- •What is driving TFC's revenue decline, and does the latest company filing suggest the weakness is temporary or structural?
- •Is TFC's positive free cash flow repeatable, or is the current level being helped by temporary working-capital or spending changes?
- •Is TFC's debt load manageable relative to cash generation, interest costs and upcoming maturities?
- •Is TFC's valuation discount tied to a temporary concern or to a longer-term business risk?
Essential Investment Snapshot
Wall Street Score
48
Opportunity Score
62
Market Cap
$59.30B
P/E Ratio
12.2
EPS
$3.93
52-Week High
$56.20
52-Week Low
$43.13
Beta
0.91
Intrinsic Value
$119.37
Analyst Target
$54.00
Shares Outstanding
1.29B
Total Revenue
$28.79B
Total Debt
$65.79B
Dividend Yield (TTM)
4.29%
Liquidation Value / Share
$47.84
Dividend / Share (TTM)
$2.08
Momentum & Volatility Signals
Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.
Neutral / mixed momentum
Low movement
A high momentum score means price has been trending upward with confirming short- and medium-term strength. A low score means downward or weakening momentum.
A high volatility score means larger, less stable price swings. It can happen while a stock is rising or falling, so high volatility is not automatically bullish or bearish.
Important: the volatility score above is based on realized price volatility. Implied volatility (IV) comes from options prices and represents the market's expected future movement. Wall Street Score will keep IV separate and will only display it when a verified options-chain feed is available.
Notices for TFC
Detected from reported data — verify before acting.Dividend history reported
Dividend payments are recorded. Review the dates and regular/special classification below; past payments do not guarantee future dividends.
Historical repurchase activity
Reported cash flows or share-count measures indicate past repurchase activity. This does not verify an active buyback authorization or future purchases.
Elevated debt risk
Total debt is at least one year of revenue • Interest coverage is below 2x • Cash covers less than 20% of total debt
Community Sentiment
0 active · 0 total callsNo personal call yet on TFC.
Potential upside factors
- +Growth opportunities may come from revenue expansion, margin improvement, new products, market-share gains, and stronger cash flow.
- +Leading market share in high-growth markets in the Southeast and Mid-Atlantic regions.
- +Caring client-first approach and purpose-driven culture.
- +Positive free cash flow may provide capacity to invest in growth.
Potential downside factors
- −Debt risk (elevated): Total debt is at least one year of revenue.
- −Interest coverage is below 2x.
- −Cash covers less than 20% of total debt.
- −Intense competition in the financial services industry.
These research factors come from saved company research and financial data, not community votes. They are starting points to verify against filings, not buy or sell recommendations.
Create a free account to make a call.
Scores
Click any score for full breakdownWas this stock page easy to understand?
One click helps us improve the research experience. This is not tied to an investment decision.
Score Changes
4 historical score records availablePrevious Score
51
Oct 16, 2026
Change
-3.0
points
Current Score
48
Oct 22, 2026
Category Changes
TFC decreased 3 points because Revenue declined by 2.6 points.
Negative Contributors
- − Revenue declined by 2.6 points
Projected Score
Projected Score
41
Projected Change
-6.8 points
Preliminary comparable-period financial changes suggest decline of approximately 6.8 points. This is a projected estimate, not the official WallStreetScore.
Price vs. Value
UndervaluedCurrent Price
$48.54
Model Intrinsic Value
$119.37
Difference
−$70.83
-59.3% vs IV
Margin of Safety
59.3%
Financial Charts
Revenue
Additional Metrics
Operating Cash Flow
Total Debt
Total Assets
Net Margin %
Free includes 3 annual periods plus available TTM; Premium includes up to 10 annual periods. History depends on available company filings. Swipe the table horizontally to see older periods. A dash means unavailable, not zero.
| Line Item | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $28.79B | $30.44B | $24.25B | $29.95B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Cost of Revenue | $10.00B | $11.50B | $12.85B | $12.04B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Gross Profit | $18.79B | $18.94B | $11.41B | $17.91B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Research & Development | $0.00 | $0.00 | $0.00 | $0.00 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| SG&A Expenses | $8.60B | $8.01B | $6.77B | $6.78B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Expenses | $12.82B | $12.59B | $12.01B | $18.68B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| EBITDA | $6.55B | $7.19B | $378.0M | $450.0M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Income | $5.96B | $6.35B | -$601.0M | -$765.0M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Interest Expense | $9.38B | $10.12B | $10.97B | $9.93B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Before Tax | $5.96B | $6.35B | -$601.0M | -$765.0M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Tax Expense | $777.0M | $1.04B | -$556.0M | $738.0M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Net Income | $5.19B | $5.31B | $4.82B | -$1.09B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic EPS | $3.93 | $3.86 | $3.36 | $-1.09 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic Shares | 1.21B | 1.27B | 1.33B | 1.33B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Diluted Shares | 1.23B | 1.29B | 1.33B | 1.33B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
Earnings Summary
Revenue
$6.11B
Estimate unavailable.
Revenue Beat/Miss
Not available (no estimate stored)
EPS
$0.56
Estimate unavailable.
EPS Beat/Miss
Not available (no estimate stored)
Debt Change
-7.5%
Cash Change
-88.5%
Margin Change
-5.4 pp
Debt and cash show percentage changes versus the comparison period; margin shows the change in percentage points (pp). These are company-wide changes, not per-share amounts.
Financial Changes Since Prior Period
What Improved
- Debt reduced
What Weakened
- Margins contracted
- Cash position declined
Potential Score Impact
Positive indicators included debt levels. Pressure indicators included revenue growth, EPS growth, cash levels, net income margin. These factors may support or pressure the Revenue, Management, Financial, and Debt categories; this summary does not claim that the stored scores changed.
Stored Earnings Analysis
Revenue declined 22.1%. EPS declined 37.8%. Cash declined 88.5%. Total debt declined 7.5%. Net income margin declined by 5.4 percentage points.
Earnings-Call Transcript
Earnings-call transcript analysis is not currently available.
These results may influence future scores when the next evaluation is completed.
Insider Activity
Guru / Smart Money
Guru Score
34
Smart Money
34
Number of Gurus
3
Total Guru Value
Avg Portfolio Weight
Largest Holder
Largest Holder %
New Positions
Increased Positions
Reduced Positions
Exited Positions
Net Guru Sentiment
Short Interest
Dividend History
Log in to view dividend history.
Conservative Projected Values
3 Years
$———.——
5 Years
$———.——
10 Years
$———.——
Conservative Projection Rate
——%
Conservative Projected Values — price projections derived from actual 10-year adjusted historical returns, conservatively adjusted and capped at 8% annually. These are distinct from the Outperformance Model Score and WallStreetScore.
Conservative Projected Values
Premium unlocks the 3-year, 5-year, and 10-year conservative projected values with full calculation breakdowns based on actual historical returns.
Start 7-Day Free TrialHistorical Outperformance Record
Premium includes stored forecasts and any available evaluated results. Completed results, win rates and calibrated probabilities are shown only when supported records exist; access does not create historical outcomes.
Start 7-Day Free TrialHistorical Trends
4 historical recordsHistorical Score Chart
3 of 4 records shownWall Street Score
Debt Score
Revenue Score
Asset Score
Capital Score
Management Score
Moat Score
Valuation Score
Buffett Score
Intrinsic Value
Value Reference
Margin of Safety %
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Rumor Mill · TFC
Corporate developments & opportunities
No reviewed developments match this filter.
Evidence credibility is not a forecast of stock performance. Rumor Mill is separate from the WSS score.
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