TRUIST FINANCIAL CORP (TFC) Fundamental Analysis & Valuation

NYSE:TFC • US89832Q1094

45.65 USD
-1 (-2.14%)
At close: Mar 11, 2026
45.07 USD
-0.58 (-1.27%)
After Hours: 3/11/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This TFC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to TFC. TFC was compared to 381 industry peers in the Banks industry. TFC may be in some trouble as it scores bad on both profitability and health. TFC has a decent growth rate and is not valued too expensively. Finally TFC also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

3

1. TFC Profitability Analysis

1.1 Basic Checks

  • TFC had positive earnings in the past year.
  • In the past year TFC had a positive cash flow from operations.
  • TFC had positive earnings in 4 of the past 5 years.
  • Each year in the past 5 years TFC had a positive operating cash flow.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2B 4B 6B 8B 10B

1.2 Ratios

  • Looking at the Return On Assets, with a value of 0.91%, TFC is in line with its industry, outperforming 48.03% of the companies in the same industry.
  • TFC's Return On Equity of 7.63% is on the low side compared to the rest of the industry. TFC is outperformed by 64.04% of its industry peers.
Industry RankSector Rank
ROA 0.91%
ROE 7.63%
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
TFC Yearly ROA, ROE, ROICTFC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2 -2 4 6 8 10

1.3 Margins

  • TFC has a Profit Margin (24.48%) which is comparable to the rest of the industry.
  • In the last couple of years the Profit Margin of TFC has grown nicely.
  • The Operating Margin and Gross Margin are not available for TFC so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 24.48%
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
TFC Yearly Profit, Operating, Gross MarginsTFC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 20 30

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1

2. TFC Health Analysis

2.1 Basic Checks

  • TFC does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • TFC has less shares outstanding than it did 1 year ago.
  • TFC has less shares outstanding than it did 5 years ago.
  • TFC has a worse debt/assets ratio than last year.
TFC Yearly Shares OutstandingTFC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B
TFC Yearly Total Debt VS Total AssetsTFC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100B 200B 300B 400B 500B

2.2 Solvency

  • TFC has a debt to FCF ratio of 12.16. This is a negative value and a sign of low solvency as TFC would need 12.16 years to pay back of all of its debts.
  • TFC's Debt to FCF ratio of 12.16 is on the low side compared to the rest of the industry. TFC is outperformed by 78.74% of its industry peers.
  • A Debt/Equity ratio of 1.07 is on the high side and indicates that TFC has dependencies on debt financing.
  • The Debt to Equity ratio of TFC (1.07) is worse than 85.04% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.07
Debt/FCF 12.16
Altman-Z N/A
ROIC/WACCN/A
WACC11.71%
TFC Yearly LT Debt VS Equity VS FCFTFC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B 20B 25B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. TFC Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 9.37% over the past year.
  • The Earnings Per Share has been growing slightly by 0.88% on average over the past years.
  • The Revenue has grown by 53.03% in the past year. This is a very strong growth!
  • Measured over the past years, TFC 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%3.58%

3.2 Future

  • TFC is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 8.17% yearly.
  • Based on estimates for the next years, TFC will show a small growth in Revenue. The Revenue will grow by 3.30% on average per year.
EPS Next Y14.13%
EPS Next 2Y14.14%
EPS Next 3Y13.46%
EPS Next 5Y8.17%
Revenue Next Year4.34%
Revenue Next 2Y4.34%
Revenue Next 3Y3.77%
Revenue Next 5Y3.3%

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 5B 10B 15B 20B 25B
TFC Yearly EPS VS EstimatesTFC Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 2 4 6

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5

4. TFC Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 11.50, the valuation of TFC can be described as very reasonable.
  • TFC's Price/Earnings is on the same level as the industry average.
  • The average S&P500 Price/Earnings ratio is at 26.15. TFC is valued rather cheaply when compared to this.
  • The Price/Forward Earnings ratio is 10.08, which indicates a very decent valuation of TFC.
  • 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 (24.27), we can say TFC is valued rather cheaply.
Industry RankSector Rank
PE 11.5
Fwd PE 10.08
TFC Price Earnings VS Forward Price EarningsTFC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • 66.93% of the companies in the same industry are more expensive than TFC, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 9.94
EV/EBITDA N/A
TFC Per share dataTFC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40 50

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.
  • TFC's earnings are expected to grow with 13.46% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.81
PEG (5Y)13.08
EPS Next 2Y14.14%
EPS Next 3Y13.46%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

8

5. TFC Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 4.29%, TFC is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 2.86, TFC pays a better dividend. On top of this TFC pays more dividend than 83.46% of the companies listed in the same industry.
  • TFC's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 4.29%

5.2 History

  • The dividend of TFC has a limited annual growth rate of 2.79%.
  • TFC has been paying a dividend for at least 10 years, so it has 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)2.79%
Div Incr Years0
Div Non Decr Years10
TFC Yearly Dividends per shareTFC Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5 2

5.3 Sustainability

  • TFC pays out 60.23% of its income as dividend. This is not a sustainable payout ratio.
  • The dividend of TFC is growing, but earnings are growing more, so the dividend growth is sustainable.
DP60.23%
EPS Next 2Y14.14%
EPS Next 3Y13.46%
TFC Yearly Income VS Free CF VS DividendTFC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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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TFC Fundamentals: All Metrics, Ratios and Statistics

TRUIST FINANCIAL CORP

NYSE:TFC (3/11/2026, 8:04:00 PM)

After market: 45.07 -0.58 (-1.27%)

45.65

-1 (-2.14%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-21
Earnings (Next)04-17
Inst Owners77.92%
Inst Owner Change0.54%
Ins Owners0.17%
Ins Owner Change1.85%
Market Cap57.02B
Revenue(TTM)20.32B
Net Income(TTM)4.97B
Analysts74.07
Price Target58.04 (27.14%)
Short Float %2.35%
Short Ratio3.22
Dividend
Industry RankSector Rank
Dividend Yield 4.29%
Yearly Dividend2.32
Dividend Growth(5Y)2.79%
DP60.23%
Div Incr Years0
Div Non Decr Years10
Ex-Date02-13
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)3.67%
Min EPS beat(2)1.28%
Max EPS beat(2)6.06%
EPS beat(4)2
Avg EPS beat(4)0.97%
Min EPS beat(4)-2.5%
Max EPS beat(4)6.06%
EPS beat(8)6
Avg EPS beat(8)3.26%
EPS beat(12)8
Avg EPS beat(12)1.29%
EPS beat(16)11
Avg EPS beat(16)1.77%
Revenue beat(2)0
Avg Revenue beat(2)-0.81%
Min Revenue beat(2)-1.4%
Max Revenue beat(2)-0.23%
Revenue beat(4)0
Avg Revenue beat(4)-0.76%
Min Revenue beat(4)-1.4%
Max Revenue beat(4)-0.23%
Revenue beat(8)2
Avg Revenue beat(8)-1.86%
Revenue beat(12)2
Avg Revenue beat(12)-2.78%
Revenue beat(16)2
Avg Revenue beat(16)-5.51%
PT rev (1m)2.09%
PT rev (3m)12.93%
EPS NQ rev (1m)-0.76%
EPS NQ rev (3m)-3.97%
EPS NY rev (1m)-0.26%
EPS NY rev (3m)-0.06%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.87%
Revenue NY rev (1m)0.16%
Revenue NY rev (3m)-0.1%
Valuation
Industry RankSector Rank
PE 11.5
Fwd PE 10.08
P/S 2.81
P/FCF 9.94
P/OCF 9.94
P/B 0.87
P/tB 1.33
EV/EBITDA N/A
EPS(TTM)3.97
EY8.7%
EPS(NY)4.53
Fwd EY9.93%
FCF(TTM)4.59
FCFY10.06%
OCF(TTM)4.59
OCFY10.06%
SpS16.27
BVpS52.19
TBVpS34.29
PEG (NY)0.81
PEG (5Y)13.08
Graham Number68.28
Profitability
Industry RankSector Rank
ROA 0.91%
ROE 7.63%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 24.48%
GM N/A
FCFM 28.24%
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-Score6
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 1.07
Debt/FCF 12.16
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 115.38%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC11.71%
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 Y14.13%
EPS Next 2Y14.14%
EPS Next 3Y13.46%
EPS Next 5Y8.17%
Revenue 1Y (TTM)53.03%
Revenue growth 3Y0.57%
Revenue growth 5Y-2.2%
Sales Q2Q%3.58%
Revenue Next Year4.34%
Revenue Next 2Y4.34%
Revenue Next 3Y3.77%
Revenue Next 5Y3.3%
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 1Y165.2%
FCF growth 3Y-18.28%
FCF growth 5Y-2.82%
OCF growth 1Y165.2%
OCF growth 3Y-19.69%
OCF growth 5Y-5.05%

TRUIST FINANCIAL CORP / TFC FAQ

Can you provide the ChartMill fundamental rating for TRUIST FINANCIAL CORP?

ChartMill assigns a fundamental rating of 4 / 10 to TFC.


What is the valuation status of TRUIST FINANCIAL CORP (TFC) stock?

ChartMill assigns a valuation rating of 5 / 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 11.5 and the Price/Book (PB) ratio is 0.87.


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 14.13% in the next year.