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TRUIST FINANCIAL CORP (TFC) Stock Fundamental Analysis

NYSE:TFC - New York Stock Exchange, Inc. - US89832Q1094 - Common Stock - Currency: USD

44.37  -1.3 (-2.85%)

After market: 44.45 +0.08 (+0.18%)

Fundamental Rating

3

TFC gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 394 industry peers in the Banks industry. Both the profitability and financial health of TFC have multiple concerns. TFC has a correct valuation and a medium growth rate. TFC also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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3

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.
TFC Yearly Net Income VS EBIT VS OCF VS FCFTFC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B 4B 6B 8B 10B

1.2 Ratios

The Return On Assets of TFC (0.85%) is comparable to the rest of the industry.
TFC's Return On Equity of 7.02% is on the low side compared to the rest of the industry. TFC is outperformed by 61.42% of its industry peers.
Industry RankSector Rank
ROA 0.85%
ROE 7.02%
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
TFC Yearly ROA, ROE, ROICTFC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2 -2 4 6 8 10

1.3 Margins

TFC has a better Profit Margin (33.95%) than 90.10% of its industry peers.
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 RankSector Rank
OM N/A
PM (TTM) 33.95%
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
TFC Yearly Profit, Operating, Gross MarginsTFC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 20 30

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1

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
TFC has a worse debt/assets ratio than last year.
TFC Yearly Shares OutstandingTFC Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B
TFC Yearly Total Debt VS Total AssetsTFC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100B 200B 300B 400B 500B

2.2 Solvency

The Debt to FCF ratio of TFC is 14.17, which is on the high side as it means it would take TFC, 14.17 years of fcf income to pay off all of its debts.
TFC's Debt to FCF ratio of 14.17 is on the low side compared to the rest of the industry. TFC is outperformed by 81.98% of its industry peers.
A Debt/Equity ratio of 0.85 indicates that TFC is somewhat dependend on debt financing.
TFC's Debt to Equity ratio of 0.85 is on the low side compared to the rest of the industry. TFC is outperformed by 84.77% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.85
Debt/FCF 14.17
Altman-Z N/A
ROIC/WACCN/A
WACC12.56%
TFC Yearly LT Debt VS Equity VS FCFTFC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
TFC Yearly Current Assets VS Current LiabilitesTFC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B 20B 25B

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4

3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 3.39% over the past year.
TFC shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -2.17% yearly.
The Revenue for TFC has decreased by -39.57% in the past year. This is quite bad
Measured over the past years, TFC shows a small growth in Revenue. The Revenue has been growing by 1.11% on average per year.
EPS 1Y (TTM)3.39%
EPS 3Y-13.09%
EPS 5Y-2.17%
EPS Q2Q%3.57%
Revenue 1Y (TTM)-39.57%
Revenue growth 3Y-15.87%
Revenue growth 5Y1.11%
Sales Q2Q%1.58%

3.2 Future

Based on estimates for the next years, TFC will show a quite strong growth in Earnings Per Share. The EPS will grow by 9.66% on average per year.
Based on estimates for the next years, TFC will show a small growth in Revenue. The Revenue will grow by 3.12% on average per year.
EPS Next Y8.18%
EPS Next 2Y11.28%
EPS Next 3Y11.08%
EPS Next 5Y9.66%
Revenue Next Year0.63%
Revenue Next 2Y2.7%
Revenue Next 3Y3.05%
Revenue Next 5Y3.12%

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.
TFC Yearly Revenue VS EstimatesTFC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 5B 10B 15B 20B 25B
TFC Yearly EPS VS EstimatesTFC Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 1 2 3 4 5

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4

4. Valuation

4.1 Price/Earnings Ratio

TFC is valuated correctly with a Price/Earnings ratio of 12.12.
TFC's Price/Earnings is on the same level as the industry average.
TFC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.19.
The Price/Forward Earnings ratio is 9.87, which indicates a very decent valuation of TFC.
Compared to the rest of the industry, the Price/Forward Earnings ratio of TFC is on the same level as its industry peers.
The average S&P500 Price/Forward Earnings ratio is at 35.33. TFC is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 12.12
Fwd PE 9.87
TFC Price Earnings VS Forward Price EarningsTFC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of TFC is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 14.9
EV/EBITDA N/A
TFC Per share dataTFC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

4.3 Compensation for Growth

The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.48
PEG (5Y)N/A
EPS Next 2Y11.28%
EPS Next 3Y11.08%

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8

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.57%, TFC is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.31, TFC pays a better dividend. On top of this TFC pays more dividend than 84.52% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.35, TFC pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.57%

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
TFC Yearly Dividends per shareTFC Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5 2

5.3 Sustainability

TFC pays out 68.75% of its income as dividend. This is not a sustainable payout ratio.
TFC's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP68.75%
EPS Next 2Y11.28%
EPS Next 3Y11.08%
TFC Yearly Income VS Free CF VS DividendTFC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B 4B 6B 8B 10B
TFC Dividend Payout.TFC Dividend Payout, showing the Payout Ratio.TFC Dividend Payout.PayoutRetained Earnings

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TRUIST FINANCIAL CORP

NYSE:TFC (7/15/2025, 8:25:31 PM)

After market: 44.45 +0.08 (+0.18%)

44.37

-1.3 (-2.85%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-17 2025-04-17/bmo
Earnings (Next)07-18 2025-07-18/bmo
Inst Owners79.57%
Inst Owner Change0%
Ins Owners0.15%
Ins Owner Change4.47%
Market Cap58.10B
Analysts74.81
Price Target46.34 (4.44%)
Short Float %2.11%
Short Ratio3.68
Dividend
Industry RankSector Rank
Dividend Yield 4.57%
Yearly Dividend2.37
Dividend Growth(5Y)11.29%
DP68.75%
Div Incr Years0
Div Non Decr Years10
Ex-Date05-09 2025-05-09 (0.52)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)0.69%
Min EPS beat(2)-0.96%
Max EPS beat(2)2.33%
EPS beat(4)3
Avg EPS beat(4)4.15%
Min EPS beat(4)-0.96%
Max EPS beat(4)9.5%
EPS beat(8)6
Avg EPS beat(8)2.05%
EPS beat(12)8
Avg EPS beat(12)1.08%
EPS beat(16)12
Avg EPS beat(16)4.88%
Revenue beat(2)1
Avg Revenue beat(2)-0.26%
Min Revenue beat(2)-0.78%
Max Revenue beat(2)0.25%
Revenue beat(4)2
Avg Revenue beat(4)0.69%
Min Revenue beat(4)-0.78%
Max Revenue beat(4)3.4%
Revenue beat(8)2
Avg Revenue beat(8)-2.14%
Revenue beat(12)3
Avg Revenue beat(12)-1.72%
Revenue beat(16)4
Avg Revenue beat(16)-1.65%
PT rev (1m)0.25%
PT rev (3m)-8.61%
EPS NQ rev (1m)-0.73%
EPS NQ rev (3m)-5.93%
EPS NY rev (1m)-0.1%
EPS NY rev (3m)-3.93%
Revenue NQ rev (1m)-0.24%
Revenue NQ rev (3m)-1.92%
Revenue NY rev (1m)-0.55%
Revenue NY rev (3m)-0.81%
Valuation
Industry RankSector Rank
PE 12.12
Fwd PE 9.87
P/S 4.35
P/FCF 14.9
P/OCF 14.9
P/B 0.9
P/tB 1.37
EV/EBITDA N/A
EPS(TTM)3.66
EY8.25%
EPS(NY)4.49
Fwd EY10.13%
FCF(TTM)2.98
FCFY6.71%
OCF(TTM)2.98
OCFY6.71%
SpS10.2
BVpS49.36
TBVpS32.38
PEG (NY)1.48
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.85%
ROE 7.02%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 33.95%
GM N/A
FCFM 29.19%
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
ROICexcg growth 3YN/A
ROICexcg 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-Score6
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 0.85
Debt/FCF 14.17
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 86%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC12.56%
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)3.39%
EPS 3Y-13.09%
EPS 5Y-2.17%
EPS Q2Q%3.57%
EPS Next Y8.18%
EPS Next 2Y11.28%
EPS Next 3Y11.08%
EPS Next 5Y9.66%
Revenue 1Y (TTM)-39.57%
Revenue growth 3Y-15.87%
Revenue growth 5Y1.11%
Sales Q2Q%1.58%
Revenue Next Year0.63%
Revenue Next 2Y2.7%
Revenue Next 3Y3.05%
Revenue Next 5Y3.12%
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-63.97%
FCF growth 3Y-33.77%
FCF growth 5Y7.32%
OCF growth 1Y-65.75%
OCF growth 3Y-35.03%
OCF growth 5Y7.32%