Stock Analysis
Truist Financial CorporationTFC
P/E 10.39×· 5Y range 6.01–15.86×· 34th percentile of history
Sector: Financial Services · Industry: National Commercial Banks
AnalystsHold26 analystsP/E 10.4× sits at the 34th percentile of its 5.086926762491444-year history.
Cash covers 54% of debt · Q2 2026.
PMP Verdict
Weak fundamentals
Risks
- Growth17
- Financial Health23
Weak fundamentals — valuation is the only support.
What's happening with TFC
Profile
Strong valuation; growth, financial health, moat and earnings quality lag behind.
How is each axis scored?
- Valuation90/100 · Strong
- P/E vs own history (34th pct)20/25
- FCF yield (9.1%)25/25
- P/S (1.9x)25/25
- EV/EBIT (14.3x)20/25
- Growth17/100 · Weak
- Revenue CAGR (7.2%)12/25
- Net income CAGR (-4.7%)0/25
- EPS CAGR 5Y (-3.9%)0/25
- Fwd implied growth (4.8%)5/25
- Profitability57/100 · Moderate
- ROIC (5.1%)5/25
- ROE (8.6%)12/25
- Net margin (18.1%)20/25
- Operating margin (20.8%)20/25
- Financial Health23/100 · Weak
- Altman Z (0.10)3/25
- Current ratio (n/a)0/25
- Interest coverage (-0.7x)0/25
- Net cash / debt (D/A 6%)20/25
- Quality39/100 · Weak
- Piotroski F (6/9)15/25
- Beneish M (-2.11)12/25
- FCF conversion (n/a)0/25
- Margin stability (σ 14.7%)12/25
- Moat30/100 · Weak
- ROIC >12% years (0/10 yrs)0/25
- Median gross margin (n/a)0/25
- FCF-positive years (3/3 yrs)25/25
- Worst-year net margin (worst -4.4%)5/25
Risk Flags
- ⚠Altman Z 0.1 — distress-zone balance sheet
- ⚠Interest coverage -0.7× — thin debt cushion
About Truist Financial Corporation
Truist Financial is one of the three super-regional banks in the US, with around $550 billion in assets as of the first quarter of 2026. Show more
Truist emerged from the combination of BB&T and SunTrust in 2019. Based in Charlotte, North Carolina, the bank's footprint is largely in the Mid-Atlantic and Southeast. Apart from retail and commercial banking operations, the bank also offers online and point-of-sale consumer lending, cards, wealth management, investment banking, and other banking services.
Headquarters: CHARLOTTE, NC · Employees: 38,711 · Website ↗
Price History
Weekly Candlestick Chart — up to 5Y
Key Metrics
Financial snapshot · Tap any metric for its definition and grade
TTM Snapshot
trailing twelve months · YoYValuation
90A+P/E (TTM)10.3xA
Grade A: CheapPrice / TTM EPS (own statements) — vs own 5Y history: 6.0x–15.9x · 34th pct
P/FCF9.8xA
Grade A: CheapPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield9.1%A
Grade A: ValueLatest stored TTM FCF / Market Cap — vs own 5Y history: 5.3%–33.6% · 34th pct
P/S (TTM)1.87xA
Grade A: CheapPrice / TTM Revenue (own statements) — vs own 5Y history: 1.1x–3.9x · 27th pct
EV/EBIT14.3xB
Grade B: FairEnterprise value / TTM EBIT (D&A not in our data) — capital-structure neutral — vs own 5Y history: 14.1x–15.6x · 16th pct
EV/Sales—
Enterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E9.8xA
Grade A: CheapPrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio0.89xA
Grade A: FairPrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio1.06B
Grade B: FairFinnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield5.11%A
Grade A: PaysTTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio49.7%A
Grade A: SafeDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
57CROIC5.1%D
Grade D: LowNOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE8.6%D
Grade D: WeakReturn on Equity. Neg. equity = heavy buybacks
ROA1.1%D
Grade D: WeakReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin18.1%A
Grade A: HighNet Income / Revenue
Operating Margin20.8%C
Grade C: AverageTTM EBIT / TTM Revenue
Gross Margin—
Gross Profit / Revenue
FCF Margin—
FCF / Revenue
True FCF Margin—
TTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Growth
17ERevenue CAGR7.2%C
Grade C: OkCompound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR-4.7%D
Grade D: LowCompound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)-3.9%D
Grade D: LowCompound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth4.8%B
Grade B: LowAnalyst forward EPS (normalized basis) vs our GAAP TTM EPS — different bases, so extreme values usually mark cyclically depressed TTM earnings, not real growth
Dilution (5Y)-9.8%A
Grade A: BuybacksShare count change over 5Y
SBC / Net Income—
Stock-based comp/Net income. >30% = dilution risk
SBC / Revenue—
TTM stock-based comp / TTM Revenue
Financial Health
23EAltman Z-Score0.10D
Grade D: DistressBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio—
Current Assets/Liabilities
Quick Ratio—
(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage-0.7xD
Grade D: RiskyEBIT/Interest. >10 Strong
Debt Repayment—
Years to repay net debt via FCF
Net Debt/EBIT5.4xD
Grade D: HighLeverage. <2x Low, >4x High
Debt/Equity1.14xC
Grade C: MedDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt0.54xC
Grade C: PartialCash covers how much of total debt. >1 = could repay all debt from cash
Quality
39DPiotroski F-Score6/9C
Grade C: AverageFinancial strength 0–9. >7 Strong
Beneish M-Score-2.11C
Grade C: Gray zoneEarnings manipulation risk. < -2.22 Safe
FCF Conversion—
FCF / Net Income
Margin Stability14.7%C
Grade C: AverageEBIT margin std deviation. Lower = stable
Capex / Revenue—
TTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover—
Revenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
Insider Transactions
SEC Form 4 · 8 recordsP/S codes are the directional signal; grants, option exercises and tax withholding carry none. Form 4 doesn't flag 10b5-1 plans — scheduled sales may appear within open-market sells.
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Lyons Michael P. Filed | Lyons Michael P. | BuyOpen market buy | +21.0K | |
Lyons Michael P. Filed | Lyons Michael P. | Grant / award | +267.0K | |
Lyons Michael P. Filed | Lyons Michael P. | Grant / award | +85.0K | |
Wilson Donta L Filed | Wilson Donta L | SellOpen market sale | -13280 | |
Bessant Catherine P Filed | Bessant Catherine P | Grant / award | +2.3K |
Show 3 more filingsShow fewer filings
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Boyer K. David Jr. Filed | Boyer K. David Jr. | SellOpen market sale | -3986 | |
ROGERS WILLIAM H JR Filed | ROGERS WILLIAM H JR | SellOpen market sale | -13250 | |
Bender Bradley D Filed | Bender Bradley D | Option exercise | -16149 |
Option exercise (M) rows report a derivative leg, not an open-market sale — a paired negative entry is the option position being consumed.
More metrics — Moat, Per Share, Balance Sheet, MarketHide additional metrics
Moat
30DROIC >12% Years0/10 yrsD
Grade D: WeakShare of completed fiscal years with ROIC > 12% — measures multi-year capital-return durability
Gross Margin (Med.)—
Median annual gross margin across available fiscal years — pricing-power durability
FCF-Positive Years3/3 yrsA
Grade A: DurableShare of completed fiscal years with positive free cash flow
Net Margin Floor-4.4%D
Grade D: WeakWeakest annual net margin across completed fiscal years — recession/downcycle resilience
Per Share
EPS (TTM)$4.53
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$3.87
Cash & short-term investments per share (Finnhub)
Book Value / Share$52.47
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt$73.30B
Total debt obligations (short + long term)
Cash & Equiv.$39.29B
Cash and short-term investments
Net Debt$34.01B
Total Debt minus Cash. Negative = Net Cash position
Total Equity$64.09B
Shareholders' equity (book value)
Asset / Liability—
Total Assets / Total Liabilities
Market
Market Cap$56.96B
Current Market Capitalization
Beta0.90B
Grade B: MarketPrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
How grades work: each metric is graded A–D against fixed thresholds (tap a row for the meaning). Card grades map the pillar score to A+–E — a card grade is that pillar's own score, not an average of the rows shown.
Financials as of Jun 2026 · Ratio snapshot Oct 16, 2026
Key Insights: Truist Financial Corporation (TFC)
Piotroski F-Score of 6/9 indicates mixed fundamentals for Truist Financial Corporation. Altman Z-Score of 0.10 is below the 1.81 distress threshold — an elevated financial-risk flag. Interest coverage of -0.7× leaves little room for earnings shocks. Truist Financial Corporation posted a net loss in 1 of 10 available completed fiscal years (2016–2025).
- At a valuation score of 90/100, TFC trades near the cheapest end of its own historical range (P/E 10.3).
- The stock currently yields 5.1% in dividends.
- Truist Financial Corporation reports earnings today — a potential volatility catalyst.
See how TFC ranks on the Capex Tracker — top 50 capital spenders compared.
Earnings
View earnings calendar →Next Earnings
| Date | Time | EPS Est. | Rev Est. |
|---|---|---|---|
| Oct 16, 2026 | TBD | $1.13 | $5.4B |
Recent Market Moves
See all TFC moves →| Date | Session | Price | Move | Z-Score |
|---|---|---|---|---|
| Oct 15 | Regular | 46.50 | +2.04% | 2.25 |
| Oct 15 | After-hours | 47.24 | +3.66% | 3.77 |
Frequently Asked Questions about TFC
What is the current Truist Financial Corporation (TFC) stock price?
TFC is trading at $46.63 in after-hours trading, up 0.13% on the session. PreMarketPrice tracks TFC pre-market, intraday and after-hours prices.
Is TFC stock a buy right now?
PreMarketPrice's quantitative model rates Truist Financial Corporation's financial health at 23/100. This is a data-driven snapshot of fundamentals, not investment advice.
Is TFC stock overvalued?
Truist Financial Corporation trades at a trailing P/E of 10.3 and our valuation score rates it 90/100 (higher = cheaper vs. its own history). See the Valuation History and Key Metrics sections for forward P/E, EV/EBITDA and PEG context.
When does Truist Financial Corporation report earnings?
TFC is scheduled to report on 2026-10-16 (today). Check the Earnings section for recent results and the full calendar.
What sector does Truist Financial Corporation operate in?
Truist Financial Corporation operates in the Financial Services sector, within the National Commercial Banks industry. The Related Stocks section lists sector peers for comparison.
What does Truist Financial Corporation do?
Truist Financial is one of the three super-regional banks in the US, with around $550 billion in assets as of the first quarter of 2026.
About Truist Financial Corporation (TFC) Stock
Truist Financial Corporation (TFC) is a US-listed stock operating in the Financial Services sector, specifically the National Commercial Banks industry. As of the latest update, Truist Financial Corporation is trading at $46.63, up 0.13% on the day with a market capitalization of $57.0 billion. The financial health score for TFC is 23/100, which indicates poor financial strength based on profitability, leverage, liquidity, and growth metrics. This page provides real-time pre-market pricing, earnings calendar, financial health analysis, and valuation metrics for TFC stock.
TFC Stock Analysis & Key Metrics
On PreMarketPrice, you can track Truist Financial Corporation (TFC) across multiple dimensions:
- Pre-market price & movement: Real-time TFC stock price with percentage change, updated continuously during pre-market and regular trading hours.
- Earnings calendar: Upcoming and past earnings reports for TFC, including EPS estimates, actual results, and surprise percentages.
- Valuation & P/E history: Historical P/E, P/S, and P/B ratios for TFC with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for Truist Financial Corporation across multiple reporting periods.
- Financial health score: A composite score of 23/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for TFC.
- Sector peers: Compare TFC against 6 other financial services stocks on key financial metrics.
Is TFC a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate Truist Financial Corporation (TFC) as an investment. The financial health score of 23/100 suggests poor financial fundamentals. Valuation metrics show whether the stock is trading above or below its historical average. Earnings data reveals whether the company is meeting or beating analyst expectations.However, this is not financial advice — always do your own research before investing.
Data on this page is sourced from real-time market feeds, Polygon.io, and Finnhub.Truist Financial Corporation (TFC) trades on NYSE. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.