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TRUIST FINANCIAL CORP (TFC) Stock Fundamental Analysis

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

39.35  -0.14 (-0.35%)

Fundamental Rating

3

Overall TFC gets a fundamental rating of 3 out of 10. We evaluated TFC against 396 industry peers in the Banks industry. Both the profitability and financial health of TFC have multiple concerns. 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

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3

1. Profitability

1.1 Basic Checks

In the past year TFC was profitable.
TFC had a positive operating cash flow in the past year.
Of the past 5 years TFC 4 years were profitable.
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 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.
Looking at the Return On Equity, with a value of 7.02%, TFC is doing worse than 61.36% of the companies in the same industry.
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

The Profit Margin of TFC (33.95%) is better than 90.40% of its industry peers.
In the last couple of years the Profit Margin of TFC has grown nicely.
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.
Compared to 1 year ago, TFC has less shares outstanding
TFC has less shares outstanding than it did 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 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

TFC has a debt to FCF ratio of 14.17. This is a negative value and a sign of low solvency as TFC would need 14.17 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 14.17, TFC is doing worse than 81.31% of the companies in the same industry.
A Debt/Equity ratio of 0.85 indicates that TFC is somewhat dependend on debt financing.
With a Debt to Equity ratio value of 0.85, TFC is not doing good in the industry: 84.60% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 0.85
Debt/FCF 14.17
Altman-Z N/A
ROIC/WACCN/A
WACC12.79%
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.
Measured over the past years, TFC shows a decrease in Earnings Per Share. The EPS has been decreasing by -2.17% on average per year.
TFC shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -39.57%.
The Revenue has been growing slightly by 1.11% on average over the past years.
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

The Earnings Per Share is expected to grow by 9.66% on average over the next years. This is quite good.
The Revenue is expected to grow by 3.12% on average over the next years.
EPS Next Y8.3%
EPS Next 2Y11.5%
EPS Next 3Y10.94%
EPS Next 5Y9.66%
Revenue Next Year1.22%
Revenue Next 2Y2.97%
Revenue Next 3Y3.08%
Revenue Next 5Y3.12%

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 10.75 indicates a reasonable valuation of TFC.
64.14% of the companies in the same industry are more expensive than TFC, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of TFC to the average of the S&P500 Index (25.91), we can say TFC is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 8.72, the valuation of TFC can be described as reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of TFC indicates a somewhat cheap valuation: TFC is cheaper than 64.90% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 21.85. TFC is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 10.75
Fwd PE 8.72
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

TFC's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 13.21
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)1.3
PEG (5Y)N/A
EPS Next 2Y11.5%
EPS Next 3Y10.94%

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8

5. Dividend

5.1 Amount

TFC has a Yearly Dividend Yield of 5.05%, which is a nice return.
TFC's Dividend Yield is rather good when compared to the industry average which is at 3.34. TFC pays more dividend than 89.14% of the companies in the same industry.
TFC's Dividend Yield is rather good when compared to the S&P500 average which is at 2.36.
Industry RankSector Rank
Dividend Yield 5.05%

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 Years9
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

68.75% of the earnings are spent on dividend by TFC. 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.
DP68.75%
EPS Next 2Y11.5%
EPS Next 3Y10.94%
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 (5/23/2025, 2:19:02 PM)

39.35

-0.14 (-0.35%)

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 Owners81.41%
Inst Owner Change0.88%
Ins Owners0.13%
Ins Owner Change5%
Market Cap51.53B
Analysts73.85
Price Target46.55 (18.3%)
Short Float %2.54%
Short Ratio2.99
Dividend
Industry RankSector Rank
Dividend Yield 5.05%
Yearly Dividend2.37
Dividend Growth(5Y)11.29%
DP68.75%
Div Incr Years9
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)-8.2%
PT rev (3m)-11.54%
EPS NQ rev (1m)-4.92%
EPS NQ rev (3m)-6.93%
EPS NY rev (1m)-2.31%
EPS NY rev (3m)-4.21%
Revenue NQ rev (1m)-1.51%
Revenue NQ rev (3m)-2.16%
Revenue NY rev (1m)-0.24%
Revenue NY rev (3m)-1.45%
Valuation
Industry RankSector Rank
PE 10.75
Fwd PE 8.72
P/S 3.86
P/FCF 13.21
P/OCF 13.21
P/B 0.8
P/tB 1.22
EV/EBITDA N/A
EPS(TTM)3.66
EY9.3%
EPS(NY)4.51
Fwd EY11.47%
FCF(TTM)2.98
FCFY7.57%
OCF(TTM)2.98
OCFY7.57%
SpS10.2
BVpS49.36
TBVpS32.38
PEG (NY)1.3
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
WACC12.79%
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 Y8.3%
EPS Next 2Y11.5%
EPS Next 3Y10.94%
EPS Next 5Y9.66%
Revenue 1Y (TTM)-39.57%
Revenue growth 3Y-15.87%
Revenue growth 5Y1.11%
Sales Q2Q%1.58%
Revenue Next Year1.22%
Revenue Next 2Y2.97%
Revenue Next 3Y3.08%
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%