TRUIST FINANCIAL CORP (BBK.DE) Stock Fundamental Analysis
FRA:BBK • US89832Q1094
43.035 EUR
+0.38 (+0.89%)
Last: Feb 27, 2026, 07:00 PM
We assign a fundamental rating of 4 out of 10 to BBK. BBK was compared to 108 industry peers in the Banks industry. Both the profitability and financial health of BBK have multiple concerns. BBK has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
- BBK had positive earnings in the past year.
- BBK had a positive operating cash flow in the past year.
- BBK had positive earnings in 4 of the past 5 years.
- Of the past 5 years BBK 4 years had a positive operating cash flow.
1.2 Ratios
- Looking at the Return On Assets, with a value of 0.90%, BBK is in line with its industry, outperforming 54.63% of the companies in the same industry.
- BBK has a worse Return On Equity (7.47%) than 67.59% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.9% | ||
| ROE | 7.47% | ||
| ROIC | N/A |
ROA(3y)0.49%
ROA(5y)0.73%
ROE(3y)4.06%
ROE(5y)6.14%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- BBK has a Profit Margin (24.34%) which is comparable to the rest of the industry.
- BBK's Profit Margin has improved in the last couple of years.
- BBK does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 24.34% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-6.21%
PM growth 5Y5.84%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- BBK does not have a ROIC to compare to the WACC, probably because it is not profitable.
- BBK has less shares outstanding than it did 1 year ago.
- BBK has less shares outstanding than it did 5 years ago.
- Compared to 1 year ago, BBK has a worse debt to assets ratio.
2.2 Solvency
- BBK has a debt to FCF ratio of 15.46. This is a negative value and a sign of low solvency as BBK would need 15.46 years to pay back of all of its debts.
- BBK has a better Debt to FCF ratio (15.46) than 74.07% of its industry peers.
- BBK has a Debt/Equity ratio of 0.93. This is a neutral value indicating BBK is somewhat dependend on debt financing.
- BBK has a Debt to Equity ratio of 0.93. This is in the better half of the industry: BBK outperforms 66.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.93 | ||
| Debt/FCF | 15.46 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.32%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- BBK shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 9.37%, which is quite good.
- The Earnings Per Share has been growing slightly by 0.88% on average over the past years.
- Looking at the last year, BBK shows a very strong growth in Revenue. The Revenue has grown by 53.03%.
- Measured over the past years, BBK shows a decrease in Revenue. The Revenue has been decreasing by -2.20% on average per year.
EPS 1Y (TTM)9.37%
EPS 3Y-7.21%
EPS 5Y0.88%
EPS Q2Q%23.08%
Revenue 1Y (TTM)53.03%
Revenue growth 3Y0.57%
Revenue growth 5Y-2.2%
Sales Q2Q%4.64%
3.2 Future
- BBK is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 8.17% yearly.
- BBK is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.87% yearly.
EPS Next Y14.42%
EPS Next 2Y14.05%
EPS Next 3Y13.56%
EPS Next 5Y8.17%
Revenue Next Year4.17%
Revenue Next 2Y4.22%
Revenue Next 3Y3.87%
Revenue Next 5YN/A
3.3 Evolution
- The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
- The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 12.81, which indicates a correct valuation of BBK.
- 70.37% of the companies in the same industry are cheaper than BBK, based on the Price/Earnings ratio.
- Compared to an average S&P500 Price/Earnings ratio of 27.10, BBK is valued rather cheaply.
- Based on the Price/Forward Earnings ratio of 11.19, the valuation of BBK can be described as reasonable.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of BBK is on the same level as its industry peers.
- The average S&P500 Price/Forward Earnings ratio is at 28.06. BBK is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.81 | ||
| Fwd PE | 11.19 |
4.2 Price Multiples
- 62.96% of the companies in the same industry are more expensive than BBK, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 16.32 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- BBK's earnings are expected to grow with 13.56% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.89
PEG (5Y)14.57
EPS Next 2Y14.05%
EPS Next 3Y13.56%
5. Dividend
5.1 Amount
- BBK has a Yearly Dividend Yield of 3.99%.
- BBK's Dividend Yield is comparable with the industry average which is at 4.37.
- Compared to an average S&P500 Dividend Yield of 1.80, BBK pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.99% |
5.2 History
- The dividend of BBK is nicely growing with an annual growth rate of 11.29%!
Dividend Growth(5Y)11.29%
Div Incr YearsN/A
Div Non Decr YearsN/A
5.3 Sustainability
- 62.09% of the earnings are spent on dividend by BBK. This is not a sustainable payout ratio.
- BBK's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP62.09%
EPS Next 2Y14.05%
EPS Next 3Y13.56%
FRA:BBK (2/27/2026, 7:00:00 PM)
43.035
+0.38 (+0.89%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-21 2026-01-21/bmo
Earnings (Next)04-17 2026-04-17
Inst Owners76.28%
Inst Owner ChangeN/A
Ins Owners0.15%
Ins Owner ChangeN/A
Market Cap54.33B
Revenue(TTM)20.32B
Net Income(TTM)4.90B
Analysts73.85
Price Target44.27 (2.87%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.99% |
Yearly Dividend1.99
Dividend Growth(5Y)11.29%
DP62.09%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)1.78%
Min EPS beat(2)-2.5%
Max EPS beat(2)6.06%
EPS beat(4)2
Avg EPS beat(4)1.23%
Min EPS beat(4)-2.5%
Max EPS beat(4)6.06%
EPS beat(8)6
Avg EPS beat(8)3.22%
EPS beat(12)8
Avg EPS beat(12)1.2%
EPS beat(16)11
Avg EPS beat(16)2.23%
Revenue beat(2)0
Avg Revenue beat(2)-0.43%
Min Revenue beat(2)-0.63%
Max Revenue beat(2)-0.23%
Revenue beat(4)0
Avg Revenue beat(4)-0.85%
Min Revenue beat(4)-1.76%
Max Revenue beat(4)-0.23%
Revenue beat(8)0
Avg Revenue beat(8)-21.33%
Revenue beat(12)0
Avg Revenue beat(12)-21.92%
Revenue beat(16)0
Avg Revenue beat(16)-17.16%
PT rev (1m)0%
PT rev (3m)N/A
EPS NQ rev (1m)0%
EPS NQ rev (3m)N/A
EPS NY rev (1m)0.56%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.12%
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.81 | ||
| Fwd PE | 11.19 | ||
| P/S | 3.19 | ||
| P/FCF | 16.32 | ||
| P/OCF | 16.32 | ||
| P/B | 0.98 | ||
| P/tB | 1.48 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.36
EY7.81%
EPS(NY)3.85
Fwd EY8.93%
FCF(TTM)2.64
FCFY6.13%
OCF(TTM)2.64
OCFY6.13%
SpS13.5
BVpS44.01
TBVpS29.11
PEG (NY)0.89
PEG (5Y)14.57
Graham Number57.68
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.9% | ||
| ROE | 7.47% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 24.34% | ||
| GM | N/A | ||
| FCFM | 19.53% |
ROA(3y)0.49%
ROA(5y)0.73%
ROE(3y)4.06%
ROE(5y)6.14%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-6.21%
PM growth 5Y5.84%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.93 | ||
| Debt/FCF | 15.46 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 80.23% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC11.32%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)9.37%
EPS 3Y-7.21%
EPS 5Y0.88%
EPS Q2Q%23.08%
EPS Next Y14.42%
EPS Next 2Y14.05%
EPS Next 3Y13.56%
EPS Next 5Y8.17%
Revenue 1Y (TTM)53.03%
Revenue growth 3Y0.57%
Revenue growth 5Y-2.2%
Sales Q2Q%4.64%
Revenue Next Year4.17%
Revenue Next 2Y4.22%
Revenue Next 3Y3.87%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y4.44%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y4.44%
OCF growth 3YN/A
OCF growth 5YN/A
TRUIST FINANCIAL CORP / BBK.DE FAQ
What is the fundamental rating for BBK stock?
ChartMill assigns a fundamental rating of 4 / 10 to BBK.DE.
What is the valuation status of TRUIST FINANCIAL CORP (BBK.DE) stock?
ChartMill assigns a valuation rating of 5 / 10 to TRUIST FINANCIAL CORP (BBK.DE). This can be considered as Fairly Valued.
What is the profitability of BBK stock?
TRUIST FINANCIAL CORP (BBK.DE) has a profitability rating of 3 / 10.
Can you provide the financial health for BBK stock?
The financial health rating of TRUIST FINANCIAL CORP (BBK.DE) is 3 / 10.
Can you provide the dividend sustainability for BBK stock?
The dividend rating of TRUIST FINANCIAL CORP (BBK.DE) is 4 / 10 and the dividend payout ratio is 62.09%.