TRUIST FINANCIAL CORP (TFC) Stock Fundamental Analysis

NYSE:TFC • US89832Q1094

51.9 USD
-0.17 (-0.33%)
At close: Feb 13, 2026
51.9 USD
0 (0%)
After Hours: 2/13/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

Overall TFC gets a fundamental rating of 3 out of 10. We evaluated TFC against 381 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. Finally TFC also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

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

1.2 Ratios

  • TFC has a Return On Assets (0.90%) which is in line with its industry peers.
  • TFC's Return On Equity of 7.47% is on the low side compared to the rest of the industry. TFC is outperformed by 62.47% of its industry peers.
Industry RankSector 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
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

  • The Profit Margin of TFC (24.34%) is comparable to the rest of the 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 RankSector 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
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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ROAROEROICOperating and Profit MarginShow most profitable peers

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.
  • The number of shares outstanding for TFC has been reduced compared to 5 years ago.
  • The debt/assets ratio for TFC is higher compared to a year ago.
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 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.
  • TFC has a worse Debt to FCF ratio (15.46) than 80.31% of its industry peers.
  • A Debt/Equity ratio of 0.93 indicates that TFC is somewhat dependend on debt financing.
  • With a Debt to Equity ratio value of 0.93, TFC is not doing good in the industry: 83.46% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 0.93
Debt/FCF 15.46
Altman-Z N/A
ROIC/WACCN/A
WACC11.85%
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. Growth

3.1 Past

  • The Earnings Per Share has grown by an nice 9.37% over the past year.
  • TFC shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 0.88% yearly.
  • 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

  • The Earnings Per Share is expected to grow by 8.17% on average over the next years. This is quite good.
  • The Revenue is expected to grow by 3.30% on average over the next years.
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 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.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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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Find the best growth stocksShow best growing peers

4

4. Valuation

4.1 Price/Earnings Ratio

  • TFC is valuated correctly with a Price/Earnings ratio of 13.07.
  • Compared to the rest of the industry, the Price/Earnings ratio of TFC is on the same level as its industry peers.
  • Compared to an average S&P500 Price/Earnings ratio of 26.68, TFC is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 11.43, the valuation of TFC can be described as very reasonable.
  • TFC's Price/Forward Earnings is on the same level as the industry average.
  • TFC is valuated cheaply when we compare the Price/Forward Earnings ratio to 28.06, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 13.07
Fwd PE 11.43
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

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of TFC indicates a slightly more expensive valuation: TFC is more expensive than 65.35% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 16.66
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.
  • A more expensive valuation may be justified as TFC's earnings are expected to grow with 13.56% in the coming years.
PEG (NY)0.91
PEG (5Y)14.87
EPS Next 2Y14.05%
EPS Next 3Y13.56%

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

7

5. Dividend

5.1 Amount

  • TFC has a Yearly Dividend Yield of 3.99%. Purely for dividend investing, there may be better candidates out there.
  • TFC's Dividend Yield is rather good when compared to the industry average which is at 2.78. TFC pays more dividend than 81.36% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.84, TFC pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.99%

5.2 History

  • The dividend of TFC is nicely growing with an annual growth rate of 11.29%!
  • TFC has been paying a dividend for at least 10 years, so it has a reliable track record.
  • TFC has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)11.29%
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

  • 62.09% of the earnings are spent on dividend by TFC. This is not a sustainable payout ratio.
  • TFC'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%
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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TRUIST FINANCIAL CORP

NYSE:TFC (2/13/2026, 8:04:00 PM)

After market: 51.9 0 (0%)

51.9

-0.17 (-0.33%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-21
Earnings (Next)04-17
Inst Owners76.28%
Inst Owner Change-92.61%
Ins Owners0.15%
Ins Owner Change-0.59%
Market Cap65.52B
Revenue(TTM)20.32B
Net Income(TTM)4.90B
Analysts73.85
Price Target56.85 (9.54%)
Short Float %2.39%
Short Ratio3.52
Dividend
Industry RankSector Rank
Dividend Yield 3.99%
Yearly Dividend2.37
Dividend Growth(5Y)11.29%
DP62.09%
Div Incr Years0
Div Non Decr Years10
Ex-Date02-13
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)8.46%
PT rev (3m)10.31%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.37%
EPS NY rev (1m)0.21%
EPS NY rev (3m)0.33%
Revenue NQ rev (1m)0.02%
Revenue NQ rev (3m)0.24%
Revenue NY rev (1m)-0.29%
Revenue NY rev (3m)-0.26%
Valuation
Industry RankSector Rank
PE 13.07
Fwd PE 11.43
P/S 3.25
P/FCF 16.66
P/OCF 16.66
P/B 1
P/tB 1.51
EV/EBITDA N/A
EPS(TTM)3.97
EY7.65%
EPS(NY)4.54
Fwd EY8.75%
FCF(TTM)3.11
FCFY6%
OCF(TTM)3.11
OCFY6%
SpS15.95
BVpS52
TBVpS34.39
PEG (NY)0.91
PEG (5Y)14.87
Graham Number68.15
Profitability
Industry RankSector 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 RankSector 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
WACC11.85%
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%3.58%
Revenue Next Year4.17%
Revenue Next 2Y4.22%
Revenue Next 3Y3.87%
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 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 / 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 13.07 and the Price/Book (PB) ratio is 1.


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 14.42% in the next year.