TRUIST FINANCIAL CORP (TFC) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:TFC - US89832Q1094 - Common Stock
49.69 USD
-0.45 (-0.9%)
49.69 USD
0 (0%)
TFC gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 383 industry peers in the Banks industry. TFC has a bad profitability rating. Also its financial health evaluation is rather negative. TFC is not valued too expensively and it also shows a decent growth rate. Finally TFC also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- TFC had positive earnings in the past year.
- In the past year TFC had a positive cash flow from operations.
- Of the past 5 years TFC 4 years were profitable.
- TFC had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- TFC's Return On Assets of 0.90% is in line compared to the rest of the industry. TFC outperforms 50.13% of its industry peers.
- With a Return On Equity value of 7.47%, TFC is not doing good in the industry: 62.92% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.9% | ||
| ROE | 7.47% | ||
| ROIC | N/A |
ROA(3y)0.55%
ROA(5y)0.71%
ROE(3y)4.79%
ROE(5y)5.79%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- Looking at the Profit Margin, with a value of 24.34%, TFC is in line with its industry, outperforming 49.61% of the companies in the same industry.
- TFC's Profit Margin has improved in the last couple of years.
- TFC 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 3Y7.55%
PM growth 5Y6.91%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- TFC does not have a ROIC to compare to the WACC, probably because it is not profitable.
- The number of shares outstanding for TFC has been reduced compared to 1 year ago.
- Compared to 5 years ago, TFC has less shares outstanding
- The debt/assets ratio for TFC is higher compared to a year ago.
2.2 Solvency
- TFC has a debt to FCF ratio of 15.46. This is a negative value and a sign of low solvency as TFC would need 15.46 years to pay back of all of its debts.
- With a Debt to FCF ratio value of 15.46, TFC is not doing good in the industry: 81.20% of the companies in the same industry are doing better.
- TFC has a Debt/Equity ratio of 0.93. This is a neutral value indicating TFC is somewhat dependend on debt financing.
- The Debt to Equity ratio of TFC (0.93) is worse than 83.81% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.93 | ||
| Debt/FCF | 15.46 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.06%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- TFC shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 3.58%.
- The Earnings Per Share has been decreasing by -2.17% on average over the past years.
- Looking at the last year, TFC shows a very strong growth in Revenue. The Revenue has grown by 53.69%.
- The Revenue has been growing slightly by 1.11% on average over the past years.
EPS 1Y (TTM)3.58%
EPS 3Y-13.09%
EPS 5Y-2.17%
EPS Q2Q%10.31%
Revenue 1Y (TTM)53.69%
Revenue growth 3Y-15.87%
Revenue growth 5Y1.11%
Sales Q2Q%1.91%
3.2 Future
- TFC is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.58% yearly.
- Based on estimates for the next years, TFC will show a small growth in Revenue. The Revenue will grow by 2.98% on average per year.
EPS Next Y10.09%
EPS Next 2Y11.75%
EPS Next 3Y12.27%
EPS Next 5Y7.58%
Revenue Next Year1.55%
Revenue Next 2Y3.05%
Revenue Next 3Y3.39%
Revenue Next 5Y2.98%
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
- TFC is valuated correctly with a Price/Earnings ratio of 13.22.
- Compared to the rest of the industry, the Price/Earnings ratio of TFC is on the same level as its industry peers.
- When comparing the Price/Earnings ratio of TFC to the average of the S&P500 Index (27.30), we can say TFC is valued rather cheaply.
- Based on the Price/Forward Earnings ratio of 10.96, the valuation of TFC can be described as reasonable.
- TFC's Price/Forward Earnings ratio is in line with the industry average.
- When comparing the Price/Forward Earnings ratio of TFC to the average of the S&P500 Index (24.04), we can say TFC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.22 | ||
| Fwd PE | 10.96 |
4.2 Price Multiples
- 67.62% of the companies in the same industry are cheaper than TFC, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 16.17 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- TFC's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
- TFC's earnings are expected to grow with 12.27% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.31
PEG (5Y)N/A
EPS Next 2Y11.75%
EPS Next 3Y12.27%
5. Dividend
5.1 Amount
- TFC has a Yearly Dividend Yield of 4.08%, which is a nice return.
- TFC's Dividend Yield is a higher than the industry average which is at 2.90.
- TFC's Dividend Yield is rather good when compared to the S&P500 average which is at 1.92.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.08% |
5.2 History
- On average, the dividend of TFC grows each year by 11.29%, which is quite nice.
- TFC has paid a dividend for at least 10 years, which is a reliable track record.
- TFC has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)11.29%
Div Incr Years0
Div Non Decr Years10
5.3 Sustainability
- TFC pays out 62.09% of its income as dividend. This is not a sustainable payout ratio.
- The dividend of TFC is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP62.09%
EPS Next 2Y11.75%
EPS Next 3Y12.27%
49.69
-0.45 (-0.9%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-17 2025-10-17/bmo
Earnings (Next)01-21 2026-01-21/amc
Inst Owners76.28%
Inst Owner Change0.11%
Ins Owners0.15%
Ins Owner Change-0.48%
Market Cap63.57B
Revenue(TTM)20.13B
Net Income(TTM)4.90B
Analysts73.33
Price Target52.41 (5.47%)
Short Float %2.52%
Short Ratio3.98
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.08% |
Yearly Dividend2.37
Dividend Growth(5Y)11.29%
DP62.09%
Div Incr Years0
Div Non Decr Years10
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)1
Avg Revenue beat(4)-0.35%
Min Revenue beat(4)-0.78%
Max Revenue beat(4)0.25%
Revenue beat(8)2
Avg Revenue beat(8)-1.79%
Revenue beat(12)2
Avg Revenue beat(12)-6.44%
Revenue beat(16)2
Avg Revenue beat(16)-5.55%
PT rev (1m)1.98%
PT rev (3m)4.87%
EPS NQ rev (1m)0.19%
EPS NQ rev (3m)0.14%
EPS NY rev (1m)0.05%
EPS NY rev (3m)1.72%
Revenue NQ rev (1m)0.17%
Revenue NQ rev (3m)0.11%
Revenue NY rev (1m)0.07%
Revenue NY rev (3m)0.27%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.22 | ||
| Fwd PE | 10.96 | ||
| P/S | 3.16 | ||
| P/FCF | 16.17 | ||
| P/OCF | 16.17 | ||
| P/B | 0.97 | ||
| P/tB | 1.46 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.76
EY7.57%
EPS(NY)4.53
Fwd EY9.12%
FCF(TTM)3.07
FCFY6.19%
OCF(TTM)3.07
OCFY6.19%
SpS15.74
BVpS51.32
TBVpS33.94
PEG (NY)1.31
PEG (5Y)N/A
Graham Number65.89
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)0.55%
ROA(5y)0.71%
ROE(3y)4.79%
ROE(5y)5.79%
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 3Y7.55%
PM growth 5Y6.91%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
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-Score7
WACC12.06%
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)3.58%
EPS 3Y-13.09%
EPS 5Y-2.17%
EPS Q2Q%10.31%
EPS Next Y10.09%
EPS Next 2Y11.75%
EPS Next 3Y12.27%
EPS Next 5Y7.58%
Revenue 1Y (TTM)53.69%
Revenue growth 3Y-15.87%
Revenue growth 5Y1.11%
Sales Q2Q%1.91%
Revenue Next Year1.55%
Revenue Next 2Y3.05%
Revenue Next 3Y3.39%
Revenue Next 5Y2.98%
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 1Y-57.38%
FCF growth 3Y-33.77%
FCF growth 5Y7.32%
OCF growth 1Y-59.83%
OCF growth 3Y-35.03%
OCF growth 5Y7.32%
TRUIST FINANCIAL CORP / TFC FAQ
Can you provide the ChartMill fundamental rating for TRUIST FINANCIAL CORP?
ChartMill assigns a fundamental rating of 3 / 10 to TFC.
What is the valuation status of TRUIST FINANCIAL CORP (TFC) stock?
ChartMill assigns a valuation rating of 4 / 10 to TRUIST FINANCIAL CORP (TFC). This can be considered as Fairly Valued.
What is the profitability of TFC stock?
TRUIST FINANCIAL CORP (TFC) has a profitability rating of 3 / 10.
What are the PE and PB ratios of TRUIST FINANCIAL CORP (TFC) stock?
The Price/Earnings (PE) ratio for TRUIST FINANCIAL CORP (TFC) is 13.22 and the Price/Book (PB) ratio is 0.97.
What is the expected EPS growth for TRUIST FINANCIAL CORP (TFC) stock?
The Earnings per Share (EPS) of TRUIST FINANCIAL CORP (TFC) is expected to grow by 10.09% in the next year.