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Financial Services - Banks - Regional - NYSE - US
$ 44.73
-1.69 %
$ 58.6 B
Market Cap
11.99
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Jul, 21, 2025.

The intrinsic value of one TFC stock under the worst case scenario is HIDDEN Compared to the current market price of 44.7 USD, Truist Financial Corporation is HIDDEN

This DCF valuation model was last updated on Jul, 21, 2025.

The intrinsic value of one TFC stock under the base case scenario is HIDDEN Compared to the current market price of 44.7 USD, Truist Financial Corporation is HIDDEN

This DCF valuation model was last updated on Jul, 21, 2025.

The intrinsic value of one TFC stock under the best case scenario is HIDDEN Compared to the current market price of 44.7 USD, Truist Financial Corporation is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart TFC

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$48.0$48.0$46.0$46.0$44.0$44.0$42.0$42.0$40.0$40.0$38.0$38.0$36.0$36.0$34.0$34.0Feb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 AprMay '25May '2515 May15 MayJun '25Jun '2515 Jun15 JunJul '25Jul '2515 Jul15 Jul
FINANCIALS
24.3 B REVENUE
-19.02%
-601 M OPERATING INCOME
21.44%
4.84 B NET INCOME
562.27%
2.16 B OPERATING CASH FLOW
-74.93%
18.6 B INVESTING CASH FLOW
-18.64%
-11.6 B FINANCING CASH FLOW
47.73%
7.55 B REVENUE
2.36%
1.54 B OPERATING INCOME
0.39%
1.26 B NET INCOME
-1.18%
746 M OPERATING CASH FLOW
-3.74%
-1.63 B INVESTING CASH FLOW
79.51%
3.29 B FINANCING CASH FLOW
-55.04%
Balance Sheet Truist Financial Corporation
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Current Assets 58.7 B
Cash & Short-Term Investments 44.3 B
Receivables 13.3 B
Other Current Assets 1.06 B
Non-Current Assets 473 B
Long-Term Investments 419 B
PP&E 5.59 B
Other Non-Current Assets 47.8 B
8.34 %78.90 %9.00 %Total Assets$531.2b
Current Liabilities 418 B
Accounts Payable 0
Short-Term Debt 27.3 B
Other Current Liabilities 391 B
Non-Current Liabilities 49.7 B
Long-Term Debt 35 B
Other Non-Current Liabilities 14.7 B
5.84 %83.54 %7.48 %3.15 %Total Liabilities$467.5b
EFFICIENCY
Earnings Waterfall Truist Financial Corporation
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Revenue 24.3 B
Cost Of Revenue 12.8 B
Gross Profit 11.4 B
Operating Expenses 12 B
Operating Income -601 M
Other Expenses -5.44 B
Net Income 4.84 B
25b25b20b20b15b15b10b10b5b5b00(5b)(5b)24b(13b)11b(12b)(601m)5b5bRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
47.04% GROSS MARGIN
47.04%
-2.48% OPERATING MARGIN
-2.48%
19.87% NET MARGIN
19.87%
7.57% ROE
7.57%
0.91% ROA
0.91%
-0.03% ROIC
-0.03%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Truist Financial Corporation
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12b12b10b10b8b8b6b6b4b4b2b2b0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 4.84 B
Depreciation & Amortization 979 M
Capital Expenditures 0
Stock-Based Compensation 0
Change in Working Capital -8.15 B
Others -3.66 B
Free Cash Flow 2.16 B
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Truist Financial Corporation
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Wall Street analysts predict an average 1-year price target for TFC of $46.8 , with forecasts ranging from a low of $43 to a high of $52 .
TFC Lowest Price Target Wall Street Target
43 USD -3.87%
TFC Average Price Target Wall Street Target
46.8 USD 4.63%
TFC Highest Price Target Wall Street Target
52 USD 16.25%
Price
Max Price Target
Min Price Target
Average Price Target
5252505048484646444442424040383836363434Sep '24Sep '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26Jun '26Jun '26Jul '26Jul '26
4. DIVIDEND ANALYSIS
1.21% DIVIDEND YIELD
0.52 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
2.5002.5002.0002.0001.5001.5001.0001.0000.5000.5000.0000.0000.240.270.30.330.4050.450.450.480.520.520.520.270.280.30.3750.4050.450.450.480.520.520.520.270.30.330.4050.450.450.480.520.520.520.271.050.31.150.331.260.4051.520.451.350.451.760.481.860.521.970.522.040.522.081.040.522015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 7
6. Ownership
Insider Ownership Truist Financial Corporation
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
229 K USD 1
9-12 MONTHS
295 K USD 1
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
1.66 M USD 1
6-9 MONTHS
2.52 M USD 1
9-12 MONTHS
7. News
Truist Q2 Profit Hits $1.2 Billion Truist Financial (TFC 2.20%) reported its Q2 2025 results on July 18, with GAAP net income to common shareholders of $1.2 billion ($0.90 per share). Average loan balances increased 2% quarter over quarter and adjusted revenue increased 2.1% sequentially. fool.com - 4 days ago
Truist Financial Corporation (TFC) Q2 2025 Earnings Call Transcript Truist Financial Corporation (NYSE:TFC ) Q2 2025 Earnings Conference Call July 18, 2025 8:00 AM ET Company Participants Brad Bender - Senior EVP & Chief Risk Officer Bradley Jason Milsaps - Head of Investor Relations Michael Baron Maguire - Senior EVP & CFO William Henry Rogers - Executive Chairman & CEO Conference Call Participants Betsy Lynn Graseck - Morgan Stanley, Research Division Christopher Edward McGratty - Keefe, Bruyette, & Woods, Inc., Research Division Ebrahim Huseini Poonawala - BofA Securities, Research Division John G. Pancari - Evercore ISI Institutional Equities, Research Division Kenneth Michael Usdin - Bernstein Autonomous LLP Matthew Derek O'Connor - Deutsche Bank AG, Research Division Michael Lawrence Mayo - Wells Fargo Securities, LLC, Research Division Robert Scott Siefers - Piper Sandler & Co., Research Division Steven A. seekingalpha.com - 1 week ago
Compared to Estimates, Truist Financial (TFC) Q2 Earnings: A Look at Key Metrics While the top- and bottom-line numbers for Truist Financial (TFC) give a sense of how the business performed in the quarter ended June 2025, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values. zacks.com - 1 week ago
Truist Financial Q2 Earnings Lag as Provisions Increase Y/Y TFC's Q2 earnings hold steady but miss estimates as rising provisions offset revenue gains and cost declines. zacks.com - 1 week ago
Truist Financial Corporation (TFC) Q2 Earnings Miss Estimates Truist Financial Corporation (TFC) came out with quarterly earnings of $0.91 per share, missing the Zacks Consensus Estimate of $0.92 per share. This compares to earnings of $0.91 per share a year ago. zacks.com - 1 week ago
Truist reports second quarter 2025 results CHARLOTTE, N.C. , July 18, 2025 /PRNewswire/ -- Truist Financial Corporation (NYSE: TFC) reported its second quarter 2025 results today. prnewswire.com - 1 week ago
Truist announces redemption of senior notes due July 2026 CHARLOTTE, N.C. , July 17, 2025 /PRNewswire/ -- Truist Financial Corporation (NYSE: TFC) today announced it will redeem all $1,500,000,000 principal amount outstanding of its floating rate senior notes due July 28, 2026 (CUSIP 89788MAH5) on the redemption date of July 28, 2025. prnewswire.com - 1 week ago
Loan Growth, Higher Rates to Support Truist's Q2 Earnings Loan growth and higher interest rates may lift TFC's Q2 earnings, with mortgage income and fee gains offsetting cost pressures. zacks.com - 1 week ago
Insights Into Truist Financial (TFC) Q2: Wall Street Projections for Key Metrics Get a deeper insight into the potential performance of Truist Financial (TFC) for the quarter ended June 2025 by going beyond Wall Street's top-and-bottom-line estimates and examining the estimates for some of its key metrics. zacks.com - 1 week ago
Truist Financial Corporation (TFC) Reports Next Week: Wall Street Expects Earnings Growth Truist Financial (TFC) possesses the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations. zacks.com - 2 weeks ago
Will Truist Financial (TFC) Beat Estimates Again in Its Next Earnings Report? Truist Financial (TFC) has an impressive earnings surprise history and currently possesses the right combination of the two key ingredients for a likely beat in its next quarterly report. zacks.com - 2 weeks ago
Dividend Harvesting Portfolio Week 227: $22,700 Allocated, $2,385.24 In Projected Dividends The Dividend Harvesting Portfolio hit new all-time highs in value, profitability, and forward income, with a 29.58% return on invested capital. Consistent weekly investing, diversification, and a focus on income-producing assets have driven strong performance, even through volatile markets and macroeconomic headwinds. I see significant opportunities ahead, especially for big tech, REITs, and energy stocks, as the Fed's delayed rate cuts create a favorable environment. seekingalpha.com - 2 weeks ago
8. Profile Summary

Truist Financial Corporation TFC

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 58.6 B
Dividend Yield 1.21%
Description Truist Financial Corporation, a holding company, provides banking and trust services in the Southeastern and Mid-Atlantic United States. The company operates through three segments: Consumer Banking and Wealth, Corporate and Commercial Banking, and Insurance Holdings. Its deposit products include noninterest-bearing checking, interest-bearing checking, savings, and money market deposit accounts, as well as certificates of deposit and individual retirement accounts. The company also provides funding; asset management; automobile lending; bankcard lending; consumer finance; home equity and mortgage lending; insurance, such as property and casualty, life, health, employee benefits, workers compensation and professional liability, surety coverage, title, and other insurance products; investment brokerage; mobile/online banking; and payment, lease financing, small business lending, and wealth management/private banking services. In addition, it offers association, capital market, institutional trust, insurance premium and commercial finance, international banking, leasing, merchant, commercial deposit and treasury, government finance, commercial middle market lending, small business and student lending, floor plan and commercial mortgage lending, mortgage warehouse lending, private equity investment, real estate lending, and supply chain financing services. Further, the company provides corporate and investment banking, retail and wholesale brokerage, securities underwriting, and investment advisory services. As of December 31, 2021, the company operated through 2,517 banking offices. The company was formerly known as BB&T Corporation and changed its name to Truist Financial Corporation in December 2019. Truist Financial Corporation was founded in 1872 and is headquartered in Charlotte, North Carolina.
Contact 214 North Tryon Street, Charlotte, NC, 28202 https://www.truist.com
IPO Date March 18, 1980
Employees 37529
Officers Mr. Scott A. Stengel J.D. Senior EVice President, Chief Legal Officer, Head of Government Affairs & Corporate Secretary Mr. William J. Toomey II Regional President of Houston & Central Texas Ms. Kristin Lesher Senior EVice President & Chief Wholesale Banking Officer Mr. Donta L. Wilson Senior EVice President and Chief Consumer & Small Business Banking Officer Mr. William Henry Rogers Jr. Executive Chairman & Chief Executive Officer Mr. Ankur Vyas Head of Corporate Finance & Strategy Mr. Steve Hagerman Chief Information Officer Mr. Travis Matthew Rhodes Regional President of Pennsylvania & New Jersey Mr. Michael Baron Maguire Senior EVice President & Chief Financial Officer Mr. Jodie E. Hughes Director of Regional Commercial Real Estate & President of Washington Region