Tearsheet

Truist Financial (TFC)

Market Price (4/8/2026): $48.96 | Market Cap: $62.0 Bil
Sector: Financials | Industry: Diversified Banks

Truist Financial (TFC)

Market Price (4/8/2026): $48.96
Market Cap: $62.0 Bil
Sector: Financials
Industry: Diversified Banks

Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 13%, Dividend Yield is 4.4%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 9.2%, FCF Yield is 9.5%

Strong revenue growth
Rev Chg LTMRevenue Change % Last Twelve Months (LTM) is 53%

Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 28%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 28%, CFO LTM is 5.7 Bil, FCF LTM is 5.7 Bil

Stock buyback support
Stock Buyback 3Y Total is 5.2 Bil

Low stock price volatility
Vol 12M is 26%

Capital ratio is >2x the minimum of 6%
Tier 1 Capital / Risk Wtd Assets RatioTier 1 Capital / Risk-Weighted Assets is a common measure of financial strength for a bank. It reflects how much equity there is relative to assets where assets are weighted based on riskiness. Low ratios indicate the bank is highly vulnerable to even small changes in the value of their risk assets. is 12%

Uninsured deposits are low
Uninsured Deposits Ratio %Fraction of deposits that exceed the insurance deposit thresholds. For example, the FDIC protects deposits up to $250K. A high uninsured deposits ratio indicates large accounts and greater potential exposure to bank run risk. is 19%

Megatrend and thematic drivers
Megatrends include Fintech & Digital Payments, AI in Financial Services, Sustainable Finance, and Digital & Alternative Assets. Show more.

Key risks
TFC key risks include [1] substantial pressure on net interest income and exacerbated unrealized losses on its portfolio due to interest rate fluctuations, Show more.

0	Attractive yield Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 13%, Dividend Yield is 4.4%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 9.2%, FCF Yield is 9.5%
1	Strong revenue growth Rev Chg LTMRevenue Change % Last Twelve Months (LTM) is 53%
2	Attractive cash flow generation CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 28%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 28%, CFO LTM is 5.7 Bil, FCF LTM is 5.7 Bil
3	Stock buyback support Stock Buyback 3Y Total is 5.2 Bil
4	Low stock price volatility Vol 12M is 26%
5	Capital ratio is >2x the minimum of 6% Tier 1 Capital / Risk Wtd Assets RatioTier 1 Capital / Risk-Weighted Assets is a common measure of financial strength for a bank. It reflects how much equity there is relative to assets where assets are weighted based on riskiness. Low ratios indicate the bank is highly vulnerable to even small changes in the value of their risk assets. is 12%
6	Uninsured deposits are low Uninsured Deposits Ratio %Fraction of deposits that exceed the insurance deposit thresholds. For example, the FDIC protects deposits up to $250K. A high uninsured deposits ratio indicates large accounts and greater potential exposure to bank run risk. is 19%
7	Megatrend and thematic drivers Megatrends include Fintech & Digital Payments, AI in Financial Services, Sustainable Finance, and Digital & Alternative Assets. Show more.
8	Key risks TFC key risks include [1] substantial pressure on net interest income and exacerbated unrealized losses on its portfolio due to interest rate fluctuations, Show more.

Valuation, Metrics & Events

	4/8/26	2025	2024	2023	2022
Share Price CYE	$48.96	$41.15	$38.98	$34.10	$56.70
Market Cap CYE ($ Bil)	62.0	53.8	52.0	45.3	75.4
Total Debt ($ Bil)	64.3	55.8	63.8	91.0	36.2
Total Cash ($ Bil)	36.4	42.2	34.5	37.6	29.1
Enterprise Value ($ Bil)	90.0	109.6	115.8	136.3	111.6
Valuation Ratios
P/S TTM	3.1	4.0	2.7	2.3	3.4
P/EBIT TTM	-	-	-	-	-
P/E TTM	11.7	11.0	-37.0	7.1	11.8
P/FCF TTM	10.8	13.8	6.9	4.0	10.2
Sector Ratios
P/S TTM (Sector)	3.1	2.9	2.7	2.4	3.3
P/EBIT TTM (Sector)	6.6	8.2	7.4	7.3	7.0
P/E TTM (Sector)	11.1	11.2	9.9	8.3	9.9
P/FCF TTM (Sector)	8.5	8.4	7.6	6.0	7.6

	4/8/26	2025	2024
Share Price CYE	$48.96	$41.15	$38.98
Market Cap CYE ($ Bil)	62.0	53.8	52.0
Total Debt ($ Bil)	64.3	55.8	63.8
Total Cash ($ Bil)	36.4	42.2	34.5
Enterprise Value ($ Bil)	90.0	109.6	115.8
Valuation Ratios
P/S TTM	3.1	4.0	2.7
P/EBIT TTM	-	-	-
P/E TTM	11.7	11.0	-37.0
P/FCF TTM	10.8	13.8	6.9
Sector Ratios
P/S TTM (Sector)	3.1	2.9	2.7
P/EBIT TTM (Sector)	6.6	8.2	7.4
P/E TTM (Sector)	11.1	11.2	9.9
P/FCF TTM (Sector)	8.5	8.4	7.6

	TFC	S&P 500
REVENUE GROWTH	FAIR
Rev LTM ($ Bil)	20.3
Rev Chg Q	3.7%	7.4%
Rev Chg LTM	53.0%	6.8%
Rev Chg 3Y Avg	6.5%	5.7%
PROFITABILITY	GOOD
Op Inc LTM ($ Bil)	�
CFO LTM ($ Bil)	5.7
Net Inc LTM ($ Bil)	5.3
CFO/Rev LTM	28.2%	20.7%
Net Inc Mgn	26.1%	12.8%
VALUATION	LOW
P/S	3.1	3.2
P/CFO	10.8	15.3
P/FCF	10.8	19.9
P/E	11.7	24.0

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Metric	Value	Date	Source
Number of Clients	15,000,000	9302025	Link
Number of Branches	1,900+	9302025	Link
Number of ATMs	2,800+	9302025	Link
Net Interest Margin (Taxable-Equivalent)	3.01%	9302025	Link
Common Equity Tier 1 (CET1) Ratio	11.0%	9302025	Link
Adjusted Efficiency Ratio	55.7%	9302025	Link
Net Charge-Off Ratio	0.48%	9302025	Link
Provision for Credit Losses	$436,000,000	9302025	Link

Upcoming
4/17/2026	Earnings Release	Rev: $5.0 Bil (E) EPS: $1.00 (E)
7/17/2026	Earnings Release	Rev: $5.0 Bil (E) EPS: $1.11 (E)

Price Chart

Return (1M):

Why The Stock Moved

Qualitative Assessment

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Truist Financial (TFC) stock has remained largely at the same level since 12/31/2025 because of the following key factors:

1. Truist Financial's Q4 2025 earnings report on January 21, 2026, showed an earnings per share (EPS) of $1.00, missing analysts' consensus estimates of $1.09 by $0.09. Additionally, quarterly revenue of $4.93 billion fell below the consensus estimate of $5.32 billion.

2. The company experienced a downward revision in its full-year 2025 revenue guidance, which was lowered to a range of 1.5%-2.5% from the previous 3%-3.5%. This indicates ongoing revenue pressures and challenges in maintaining growth.

3. Analyst sentiment contributed to the stock's decline with several firms issuing negative adjustments. Jefferies Financial Group initiated coverage on Truist with an "underperform" rating and a $35.00 price objective on March 26, 2026. Morgan Stanley also lowered its price target from $69.00 to $63.00 on March 31, 2026.

4. Truist Financial has shown a long-term trend of declining profitability, with earnings decreasing at an average annual rate of 25.2% over the past five years, and revenues declining by 9.8% annually. This contrasts with the broader banking industry, which saw average annual earnings growth of 2.9% during the same period.

Updated on 4/1/2026 Show less

Stock Movement Drivers

3M

6M

1Y

3Y

Fundamental Drivers
The -1.8% change in TFC stock from 12/31/2025 to 4/7/2026 was primarily driven by a -4.3% change in the company's P/E Multiple.
(LTM values as of) 12312025 4072026 Change
Stock Price ($) 48.72 47.83 -1.8%
Change Contribution By:
Total Revenues ($ Mil) 20,133 20,319 0.9%
Net Income Margin (%) 26.0% 26.1% 0.6%
P/E Multiple 11.9 11.4 -4.3%
Shares Outstanding (Mil) 1,281 1,267 1.1%
Cumulative Contribution -1.8%

LTM = Last Twelve Months as of date shown

Market Drivers
12/31/2025 to 4/7/2026
Return Correlation
TFC -1.8%
Market (SPY) -5.4% 50.3%
Sector (XLF) -8.9% 76.4%

Fundamental Drivers
The 6.9% change in TFC stock from 9/30/2025 to 4/7/2026 was primarily driven by a 3.1% change in the company's P/E Multiple.
(LTM values as of) 9302025 4072026 Change
Stock Price ($) 44.74 47.83 6.9%
Change Contribution By:
Total Revenues ($ Mil) 20,031 20,319 1.4%
Net Income Margin (%) 26.1% 26.1% 0.2%
P/E Multiple 11.1 11.4 3.1%
Shares Outstanding (Mil) 1,292 1,267 2.0%
Cumulative Contribution 6.9%

LTM = Last Twelve Months as of date shown
Market Drivers
9/30/2025 to 4/7/2026
Return Correlation
TFC 6.9%
Market (SPY) -2.9% 49.5%
Sector (XLF) -7.1% 77.2%

Fundamental Drivers
The 21.8% change in TFC stock from 3/31/2025 to 4/7/2026 was primarily driven by a 53.0% change in the company's Total Revenues ($ Mil).
(LTM values as of) 3312025 4072026 Change
Stock Price ($) 39.26 47.83 21.8%
Change Contribution By:
Total Revenues ($ Mil) 13,278 20,319 53.0%
Net Income Margin (%) 36.3% 26.1% -28.0%
P/E Multiple 10.7 11.4 6.4%
Shares Outstanding (Mil) 1,317 1,267 3.9%
Cumulative Contribution 21.8%

LTM = Last Twelve Months as of date shown
Market Drivers
3/31/2025 to 4/7/2026
Return Correlation
TFC 21.8%
Market (SPY) 16.3% 72.0%
Sector (XLF) 1.2% 82.0%

Fundamental Drivers
The 65.0% change in TFC stock from 3/31/2023 to 4/7/2026 was primarily driven by a 85.9% change in the company's P/E Multiple.
(LTM values as of) 3312023 4072026 Change
Stock Price ($) 28.98 47.83 65.0%
Change Contribution By:
Total Revenues ($ Mil) 19,973 20,319 1.7%
Net Income Margin (%) 31.3% 26.1% -16.7%
P/E Multiple 6.1 11.4 85.9%
Shares Outstanding (Mil) 1,327 1,267 4.7%
Cumulative Contribution 65.0%

LTM = Last Twelve Months as of date shown
Market Drivers
3/31/2023 to 4/7/2026
Return Correlation
TFC 65.0%
Market (SPY) 63.3% 58.4%
Sector (XLF) 62.0% 74.6%

(LTM values as of)	12312025	4072026	Change
Stock Price ($)	48.72	47.83	-1.8%
Change Contribution By:
Total Revenues ($ Mil)	20,133	20,319	0.9%
Net Income Margin (%)	26.0%	26.1%	0.6%
P/E Multiple	11.9	11.4	-4.3%
Shares Outstanding (Mil)	1,281	1,267	1.1%
Cumulative Contribution			-1.8%

	Return	Correlation
TFC	-1.8%
Market (SPY)	-5.4%	50.3%
Sector (XLF)	-8.9%	76.4%

(LTM values as of)	9302025	4072026	Change
Stock Price ($)	44.74	47.83	6.9%
Change Contribution By:
Total Revenues ($ Mil)	20,031	20,319	1.4%
Net Income Margin (%)	26.1%	26.1%	0.2%
P/E Multiple	11.1	11.4	3.1%
Shares Outstanding (Mil)	1,292	1,267	2.0%
Cumulative Contribution			6.9%

	Return	Correlation
TFC	6.9%
Market (SPY)	-2.9%	49.5%
Sector (XLF)	-7.1%	77.2%

(LTM values as of)	3312025	4072026	Change
Stock Price ($)	39.26	47.83	21.8%
Change Contribution By:
Total Revenues ($ Mil)	13,278	20,319	53.0%
Net Income Margin (%)	36.3%	26.1%	-28.0%
P/E Multiple	10.7	11.4	6.4%
Shares Outstanding (Mil)	1,317	1,267	3.9%
Cumulative Contribution			21.8%

	Return	Correlation
TFC	21.8%
Market (SPY)	16.3%	72.0%
Sector (XLF)	1.2%	82.0%

(LTM values as of)	3312023	4072026	Change
Stock Price ($)	28.98	47.83	65.0%
Change Contribution By:
Total Revenues ($ Mil)	19,973	20,319	1.7%
Net Income Margin (%)	31.3%	26.1%	-16.7%
P/E Multiple	6.1	11.4	85.9%
Shares Outstanding (Mil)	1,327	1,267	4.7%
Cumulative Contribution			65.0%

	Return	Correlation
TFC	65.0%
Market (SPY)	63.3%	58.4%
Sector (XLF)	62.0%	74.6%

Return vs. Risk

Price Returns Compared
2021 2022 2023 2024 2025 2026 Total [1]
Returns
TFC Return 26% -24% -9% 24% 19% -2% 27%
Peers Return 40% -17% 13% 34% 26% -5% 111%
S&P 500 Return 27% -19% 24% 23% 16% -3% 76%

Monthly Win Rates [3]
TFC Win Rate 67% 42% 33% 67% 58% 50%
Peers Win Rate 67% 42% 55% 60% 63% 35%
S&P 500 Win Rate 75% 42% 67% 75% 67% 50%

Max Drawdowns [4]
TFC Max Drawdown -2% -29% -38% -5% -19% -10%
Peers Max Drawdown -3% -28% -20% -6% -18% -11%
S&P 500 Max Drawdown -1% -25% -1% -2% -15% -7%

[1] Cumulative total returns since the beginning of 2021
[2] Peers: PNC, USB, WFC, BAC, JPM. See TFC Returns vs. Peers.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 4/7/2026 (YTD)

How Low Can It Go

Unique Key Event TFC S&P 500
2022 Inflation Shock 2022 Inflation Shock
2022 Inflation Shock% Loss % Loss -61.1% -25.4%
2022 Inflation Shock% Gain to Breakeven % Gain to Breakeven 157.2% 34.1%
2022 Inflation ShockTime to Breakeven Time to Breakeven Not Fully Recovered days 464 days
2020 Covid Pandemic 2020 Covid Pandemic
2020 Covid Pandemic% Loss % Loss -54.7% -33.9%
2020 Covid Pandemic% Gain to Breakeven % Gain to Breakeven 120.6% 51.3%
2020 Covid PandemicTime to Breakeven Time to Breakeven 333 days 148 days
2018 Correction 2018 Correction
2018 Correction% Loss % Loss -26.3% -19.8%
2018 Correction% Gain to Breakeven % Gain to Breakeven 35.8% 24.7%
2018 CorrectionTime to Breakeven Time to Breakeven 353 days 120 days
2008 Global Financial Crisis 2008 Global Financial Crisis
2008 Global Financial Crisis% Loss % Loss -67.6% -56.8%
2008 Global Financial Crisis% Gain to Breakeven % Gain to Breakeven 208.9% 131.3%
2008 Global Financial CrisisTime to Breakeven Time to Breakeven 2,288 days 1,480 days

Compare to PNC, USB, WFC, BAC, JPM

In The Past
Truist Financial's stock fell -61.1% during the 2022 Inflation Shock from a high on 1/14/2022. A -61.1% loss requires a 157.2% gain to breakeven.

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About Truist Financial (TFC)

Business Description

Analogies

Products

Customers

Suppliers

Management

Key Risks

Emerging Threats

Market Size

Revenue Drivers

Capital Allocation

Business Description Analogies Products Customers Suppliers Management Key Risks Emerging Threats Market Size Revenue Drivers Capital Allocation

Truist Financial Corporation, a holding company, provides banking and trust services in the Southeastern and Mid-Atlantic United States. The company operates through three segments: Consumer Banking and Wealth, Corporate and Commercial Banking, and Insurance Holdings. Its deposit products include noninterest-bearing checking, interest-bearing checking, savings, and money market deposit accounts, as well as certificates of deposit and individual retirement accounts. The company also provides funding; asset management; automobile lending; bankcard lending; consumer finance; home equity and mortgage lending; insurance, such as property and casualty, life, health, employee benefits, workers compensation and professional liability, surety coverage, title, and other insurance products; investment brokerage; mobile/online banking; and payment, lease financing, small business lending, and wealth management/private banking services. In addition, it offers association, capital market, institutional trust, insurance premium and commercial finance, international banking, leasing, merchant, commercial deposit and treasury, government finance, commercial middle market lending, small business and student lending, floor plan and commercial mortgage lending, mortgage warehouse lending, private equity investment, real estate lending, and supply chain financing services. Further, the company provides corporate and investment banking, retail and wholesale brokerage, securities underwriting, and investment advisory services. As of December 31, 2021, the company operated through 2,517 banking offices. The company was formerly known as BB&T Corporation and changed its name to Truist Financial Corporation in December 2019. Truist Financial Corporation was founded in 1872 and is headquartered in Charlotte, North Carolina.

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A regional Bank of America.

Wells Fargo for the Southeastern and Mid-Atlantic U.S.

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Deposit Accounts: Truist offers a variety of checking, savings, money market, certificate of deposit, and individual retirement accounts.

Lending Services: The company provides a broad range of loans including consumer, auto, credit card, home equity, mortgage, small business, student, commercial, real estate, and lease financing.

Insurance Products: Truist offers property and casualty, life, health, employee benefits, workers compensation, professional liability, and other specialty insurance products.

Wealth Management & Investment Services: These services encompass asset management, investment brokerage, private banking, institutional trust, and investment advisory for individuals and institutions.

Commercial & Treasury Solutions: Truist provides businesses with commercial deposit products, treasury management, payment processing, international banking, and supply chain financing.

Corporate & Investment Banking: The company delivers corporate and investment banking, capital markets services, securities underwriting, and private equity investment.

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Truist Financial (TFC) serves a highly diversified customer base, encompassing individuals, businesses of all sizes, and institutional clients. As a universal bank, it does not have a few "major customers" in the traditional sense, but rather a vast number of clients across various segments. Its services are not primarily sold to a handful of other companies, nor exclusively to individuals. Therefore, the most appropriate way to identify its customers is by describing categories.

The major customer categories for Truist Financial are:

Individual Consumers & Households: This category includes individuals utilizing a wide array of retail banking services such as checking, savings, money market accounts, certificates of deposit, individual retirement accounts, automobile lending, bankcard lending, consumer finance, home equity and mortgage lending, and student lending. It also covers clients seeking investment brokerage, mobile/online banking, and comprehensive wealth management/private banking services.

Small to Mid-Market Businesses & Commercial Clients: This segment comprises small businesses and middle-market companies that leverage Truist for services like small business lending, commercial middle market lending, commercial deposit and treasury management, lease financing, merchant services, floor plan lending, real estate lending, and various business insurance products (e.g., workers' compensation, professional liability, property & casualty).

Large Corporations, Institutional Clients, & Governmental Entities: This category includes larger corporations, financial institutions, and government agencies. They access Truist's corporate and investment banking, capital markets services (e.g., securities underwriting, investment advisory), institutional trust services, international banking, government finance, mortgage warehouse lending, private equity investment services, and specialized commercial finance solutions.

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Alphabet Inc. (GOOGL)

Amazon.com, Inc. (AMZN)

Salesforce, Inc. (CRM)

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William H. Rogers, Jr. Chairman and Chief Executive Officer William H. Rogers, Jr. has served as the Chairman and Chief Executive Officer of Truist Financial Corporation since March 2022, and as CEO since September 2021. Prior to the formation of Truist through the merger of BB&T Corporation and SunTrust Banks, Inc., Rogers was the Chairman and CEO of SunTrust Banks, having been appointed CEO in June 2011 and chairman in January 2012. He began his career in 1980 in SunTrust Bank's commercial banking division, progressing through various senior roles in corporate and commercial banking, corporate finance, retail banking, private wealth management, and mortgage. Mike Maguire Chief Financial Officer Mike Maguire is the Chief Financial Officer for Truist Financial Corporation, a role he assumed in September 2022. Before becoming CFO, Maguire served as Truist's chief consumer finance and payments officer, and head of enterprise partnerships and investments. He has an extensive background in financial technology investment banking, having spent 16 years as an investment banker at Truist Securities and its predecessor, SunTrust Robinson Humphrey. During this time, he completed over 150 advisory and financing transactions, including buy-side and sell-side mergers and acquisitions, initial public offerings, and private placements in the financial technology sector. Dontá L. Wilson Chief Consumer and Small Business Banking Officer Dontá L. Wilson is the chief consumer and small business banking officer for Truist Financial Corporation. He has been with Truist and its predecessor, BB&T, for over two decades, starting his career in bank operations in October 1995 while still in college. Wilson was appointed to the executive leadership team in 2016 and has held various leadership responsibilities across consumer and wholesale client segments, including chief digital and client experience officer and chief retail and small business banking officer. His experience includes successfully guiding teams through multiple acquisitions, notably the historic Truist merger of equals. He is also the founder of the "I Am My Brother's Keeper" inner-city mentor program. Kristin Lesher Chief Wholesale Banking Officer Kristin Lesher serves as the Chief Wholesale Banking Officer at Truist Financial Corporation. Scott A. Stengel Chief Legal Officer Scott A. Stengel is the Chief Legal Officer for Truist Financial Corporation.

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Credit Risk and Economic Downturn: The company's profitability is highly susceptible to the credit quality of its loan portfolio and broader economic conditions. A recession or significant economic slowdown could lead to increased loan defaults, higher provision for credit losses, and reduced lending activity across its diverse lending segments, including consumer, commercial, home equity, and mortgage.

Interest Rate Fluctuations: As a large financial institution offering various deposit and lending products, Truist's net interest income is significantly sensitive to changes in interest rates. Adverse shifts in the interest rate environment can compress net interest margins (the difference between interest earned on assets and interest paid on liabilities), thereby impacting overall profitability.

Digital Transformation and Competition / Legacy Branch Network: Truist operates a substantial network of 2,517 banking offices as of December 31, 2021. In an evolving banking landscape increasingly driven by digital channels and fintech innovation, this extensive physical footprint could represent a significant operational cost burden and a potential competitive disadvantage against more agile, digitally-native financial service providers and other large banks investing heavily in technology. This could lead to challenges in attracting and retaining customers who prefer digital banking and pressure on efficiency and market share.

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Neobanks and Fintech Platforms: These digital-first financial institutions and technology companies are increasingly offering banking services (deposits, lending, payments) without the overhead of physical branches. They attract customers with superior digital experiences, lower fees, and specialized products, directly competing with Truist's Consumer Banking and Wealth segment.

Big Tech Companies Entering Financial Services: Major technology companies like Apple, Google, and Amazon leverage their vast user bases, data analytics, and technological infrastructure to offer financial products (e.g., payment services, credit cards, savings accounts, small business lending). This threatens Truist by disintermediating relationships with consumers and small businesses, often with greater digital convenience and brand loyalty.

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Truist Financial Corporation operates in several large addressable markets within the United States for its diverse range of banking, wealth management, and insurance services. The estimated addressable market sizes for Truist Financial's main products and services in the U.S. are as follows: * **Consumer Banking (Retail Banking)**: The U.S. retail banking market generated an estimated revenue of USD 1.28 trillion in 2025. This market is expected to continue growing, with forecasts anticipating a rise to USD 1.11 trillion by 2031. * **Corporate and Commercial Banking**: The U.S. commercial banking market size is estimated at USD 765.53 billion in 2026. This market is projected to grow to USD 954.48 billion by 2031. Within this, commercial lending held a significant market share in 2025. * **Wealth Management**: The North American wealth management market, a significant portion of which is the U.S., accounted for approximately two-thirds of the global wealth management market revenue in 2022. With the global wealth management market valued at USD 1.83 trillion in 2024, the North American segment can be estimated at around USD 1.22 trillion in 2024. * **Insurance Holdings**: * **Property and Casualty Insurance**: The U.S. property and casualty insurance market is valued at USD 1.10 trillion in 2025 and is projected to reach USD 1.33 trillion by 2030. * **Life Insurance**: The life insurance sector in the U.S. accounted for USD 1.113 trillion (1,113 billion USD) in premiums in 2021. * **Health Insurance**: The U.S. health and medical insurance market is estimated at USD 1.65 trillion in 2026 and is projected to reach USD 2.15 trillion by 2031.

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Truist Financial (TFC) is expected to drive future revenue growth over the next 2-3 years through several key initiatives and market dynamics:

Net Interest Income (NII) Growth: Truist projects a 3% to 4% growth in net interest income for 2026. This growth is anticipated to be fueled by continued loan growth, declining deposit costs, and the benefits of fixed-rate asset repricing. Management expects full-year 2026 average net interest margin to exceed the 2025 average due to these factors.

Expansion of Noninterest Income: The company forecasts mid-to-high single-digit growth in noninterest income for 2026. This is expected to be driven by a stronger emphasis on wealth management services, a recovery in investment banking and trading activities, and growth in treasury management and payment fees.

Investments in Technology and Digital Capabilities: Truist is strategically investing in technology and enhancing its digital capabilities. These investments are aimed at improving operational efficiency, reducing costs, and expanding revenue and margin. The company has seen increased digital client acquisition and production, indicating success in these initiatives.

Branch Expansion and Focus on High-Growth Markets: Truist is expanding its physical branch network and strategically investing in high-growth markets. This geographic expansion is intended to accelerate revenue growth and foster deeper client relationships.

Growth in Commercial and Other Consumer Loans: The company anticipates average loan growth of 3% to 4% in 2026, primarily driven by increases in commercial loans and other consumer loans, including specialty lending businesses. This sustained loan demand is a key component supporting the projected net interest income growth.

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Share Repurchases

In December 2025, Truist authorized a new share repurchase program of up to $10 billion of its common stock, effective immediately and without an expiration date. This program replaced a prior authorization that had approximately $1.5 billion remaining.

During 2024, Truist repurchased $1.0 billion of common stock, contributing to a total of $3.8 billion returned to common shareholders, which also included common dividends.

In the first quarter of 2025, Truist executed $500 million in share buybacks and planned to repurchase an additional $750 million in shares during the second quarter of 2025.

Share Issuance

Truist's basic shares outstanding have shown a general decline over the past few years, reflecting net share repurchases rather than significant new share issuances.

For the twelve months ending December 31, 2025, basic shares outstanding were 1.287 billion, representing a 3.33% decline year-over-year from 2024.

As of March 13, 2026, the company's shares outstanding were approximately 1.25 billion.

Outbound Investments

In May 2024, Truist divested Sterling Capital Management LLC and completed the sale of its remaining 80% stake in Truist Insurance Holdings for $15.5 billion, which significantly enhanced its financial profile and created capacity for other capital allocations, including shareholder returns.

In August 2025, Truist announced a multi-year strategic growth investment over the next five years to expand its presence in high-growth markets.

Truist acquired Service Finance Company in 2024 to enhance its point-of-sale lending platform.

Capital Expenditures

As part of a multi-year strategic growth investment announced in August 2025, Truist plans to build 100 new insights-driven branches and renovate more than 300 existing branches in high-growth markets over the next five years.

The company has been making significant investments in technology upgrades and related initiatives, which contributed to elevated operating expenses in 2025 and are expected to continue in the near term.

Interactive Breakdown
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Better Bets vs. Truist Financial (TFC)

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Latest Trefis Analyses

Title Date
0 DASHBOARDS
1 TFC Stock Surges 11% With A 7-day Winning Spree On Analyst Price Target Hikes 02/07/2026
2 Would You Still Hold Truist Financial Stock If It Fell 30%? 10/17/2025
3 TFC Dip Buy Analysis 07/10/2025
4 Truist Financial Total Shareholder Return (TSR): 28.2% in 2024 and 0.9% 3-yr compounded annual returns (below peer average) 03/07/2025
5 Truist Financial (TFC) Operating Cash Flow Comparison 02/17/2025
6 Truist Financial (TFC) Net Income Comparison 02/16/2025
7 Truist Financial vs. S&P500 Correlation 10/03/2024
8 Truist Financial Price Volatility 09/24/2024
9 Fundamental Metrics: ... 06/19/2024
10 Truist Financial During 2008 Recession vs. 2022 Inflation Shock: TFC Stock Has 127% Upside If It Recovers To Pre-Inflation Shock Levels 09/07/2023
11 ARTICLES
12 S&P 500 Stocks Trading At 52-Week High 12/23/2025
13 Large Cap Stocks Trading At 52-Week High 12/02/2025
Title
0 DASHBOARDS
1 TFC Stock Surges 11% With A 7-day Winning Spree On Analyst Price Target Hikes
2 Would You Still Hold Truist Financial Stock If It Fell 30%?
3 TFC Dip Buy Analysis
4 Truist Financial Total Shareholder Return (TSR): 28.2% in 2024 and 0.9% 3-yr compounded annual returns (below peer average)
5 Truist Financial (TFC) Operating Cash Flow Comparison
6 Truist Financial (TFC) Net Income Comparison
7 Truist Financial vs. S&P500 Correlation
8 Truist Financial Price Volatility
9 Fundamental Metrics: ...
10 Truist Financial During 2008 Recession vs. 2022 Inflation Shock: TFC Stock Has 127% Upside If It Recovers To Pre-Inflation Shock Levels
11 ARTICLES
12 S&P 500 Stocks Trading At 52-Week High
13 Large Cap Stocks Trading At 52-Week High

Trade Ideas
Select ideas related to TFC.
Unique Key Date Ticker Company Category Trade Strategy 6M Fwd Rtn 12M Fwd Rtn 12M Max DD
HBAN_3312026_Insider_Buying_45D_2Buy_200K 03312026 HBAN Huntington Bancshares Insider Insider Buys 45DStrong Insider Buying
Companies with multiple insider buys in the last 45 days 0.0% 0.0% 0.0%
NP_3312026_Insider_Buying_45D_2Buy_200K 03312026 NP Neptune Insurance Insider Insider Buys 45DStrong Insider Buying
Companies with multiple insider buys in the last 45 days 0.0% 0.0% 0.0%
JKHY_3272026_Monopoly_xInd_xCD_Getting_Cheaper 03272026 JKHY Jack Henry & Associates Monopoly MY | Getting CheaperMonopoly-Like with P/S Decline
Large cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple 3.1% 3.1% 0.0%
MKTX_3202026_Dip_Buyer_FCFYield 03202026 MKTX MarketAxess Dip Buy DB | FCFY OPMDip Buy with High FCF Yield and High Margin
Buying dips for companies with high FCF yield and meaningfully high operating margin -5.2% -5.2% -5.7%
RYAN_3202026_Insider_Buying_GTE_1Mil_EBITp+DE_V2 03202026 RYAN Ryan Specialty Insider Insider Buys | Low D/EStrong Insider Buying
Companies with strong insider buying in the last 1 month, positive operating income and reasonable debt / market cap -2.7% -2.7% -8.5%

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Financials
TFC PNC USB WFC BAC JPM Median
Name Truist F. PNC Fina. U.S. Ban. Wells Fa. Bank of . JPMorgan.
Mkt Price 47.83 213.92 53.70 81.75 50.28 297.40 67.72
Mkt Cap 60.6 84.1 83.4 254.5 370.3 813.5 169.3
Rev LTM 20,319 23,077 28,540 83,446 113,097 182,435 55,993
Op Inc LTM - - - - - - -
FCF LTM 5,739 4,384 7,970 -19,001 12,613 -147,782 5,062
FCF 3Y Avg 5,511 7,458 9,238 8,131 16,263 -58,940 7,794
CFO LTM 5,739 4,384 7,970 -19,001 12,613 -147,782 5,062
CFO 3Y Avg 5,511 7,458 9,238 8,131 16,263 -58,940 7,794

Growth & Margins
TFC PNC USB WFC BAC JPM Median
Name Truist F. PNC Fina. U.S. Ban. Wells Fa. Bank of . JPMorgan.
Rev Chg LTM 53.0% 10.9% 4.4% 1.4% 6.8% 7.7% 7.3%
Rev Chg 3Y Avg 6.5% 3.2% 5.9% 4.0% 6.0% 12.8% 6.0%
Rev Chg Q 3.7% 9.1% 5.1% 4.5% 6.4% 7.0% 5.7%
QoQ Delta Rev Chg LTM 0.9% 2.2% 1.3% 1.1% 1.7% 1.7% 1.5%
Op Mgn LTM - - - - - - -
Op Mgn 3Y Avg - - - - - - -
QoQ Delta Op Mgn LTM - - - - - - -
CFO/Rev LTM 28.2% 19.0% 27.9% -22.8% 11.2% -81.0% 15.1%
CFO/Rev 3Y Avg 29.2% 34.7% 33.1% 9.9% 15.5% -32.5% 22.4%
FCF/Rev LTM 28.2% 19.0% 27.9% -22.8% 11.2% -81.0% 15.1%
FCF/Rev 3Y Avg 29.2% 34.7% 33.1% 9.9% 15.5% -32.5% 22.4%

Valuation
TFC PNC USB WFC BAC JPM Median
Name Truist F. PNC Fina. U.S. Ban. Wells Fa. Bank of . JPMorgan.
Mkt Cap 60.6 84.1 83.4 254.5 370.3 813.5 169.3
P/S 3.0 3.6 2.9 3.0 3.3 4.5 3.2
P/EBIT - - - - - - -
P/E 11.4 12.1 11.0 11.9 12.1 14.3 12.0
P/CFO 10.6 19.2 10.5 -13.4 29.4 -5.5 10.5
Total Yield 13.2% 11.4% 12.9% 10.5% 8.2% 7.0% 11.0%
Dividend Yield 4.4% 3.1% 3.8% 2.1% 0.0% 0.0% 2.6%
FCF Yield 3Y Avg 10.2% 10.6% 12.4% 5.8% 5.7% -6.8% 8.0%
D/E 1.1 0.7 0.8 0.8 1.0 0.6 0.8
Net D/E 0.4 0.1 -0.8 -0.8 -0.7 -0.4 -0.6

Returns
TFC PNC USB WFC BAC JPM Median
Name Truist F. PNC Fina. U.S. Ban. Wells Fa. Bank of . JPMorgan.
1M Rtn 2.9% 3.8% 3.6% 1.7% 3.4% 3.3% 3.3%
3M Rtn -5.6% -1.1% -3.3% -14.8% -11.7% -10.7% -8.1%
6M Rtn 8.1% 12.2% 15.3% 1.8% 1.1% -2.4% 5.0%
12M Rtn 42.7% 45.1% 52.1% 34.3% 44.5% 41.4% 43.6%
3Y Rtn 71.9% 97.9% 72.7% 133.0% 95.2% 149.8% 96.5%
1M Excs Rtn 4.7% 5.6% 5.4% 3.5% 5.2% 5.1% 5.1%
3M Excs Rtn -0.2% 4.0% 1.9% -10.6% -7.0% -6.0% -3.1%
6M Excs Rtn 8.8% 11.1% 15.4% 3.8% 1.8% -1.2% 6.3%
12M Excs Rtn 12.7% 14.8% 21.7% 4.6% 15.5% 10.8% 13.8%
3Y Excs Rtn 2.9% 26.5% 10.9% 72.8% 28.7% 85.9% 27.6%

Comparison Analyses
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FDIC Bank Data

Capital & Deposits
Assets
Loans

Bank Capital
FDIC Data As Of 3311995
CAPITAL
Equity Total Capital ($ Bil) 1
Tier 1 (Core) Capital ($ Bil) 1
ASSETS
Total Assets ($ Bil) 9
Adjusted Average Assets ($ Bil) 9
Risk Weighted Assets Adjusted ($ Bil) 6
LEVERAGE RATIOS
Tier 1 Capital / Total Assets Ratio 7.5%
Tier 1 Capital / Adjusted Avg Assets Ratio 7.6%
Tier 1 Capital / Risk Wtd Assets Ratio 12.0%
Bank Deposits
FDIC Data As Of 3311995
DEPOSITS
Total Deposits ($ Bil) 7
Uninsured Deposits ($ Bil) 1
Uninsured Deposits Ratio % 19.5%

Bank Assets
FDIC Data As Of 3311995
ASSETS
Cash Balance ($ Bil) 0
Securities ($ Bil) 2
Net Loans ($ Bil) 6
Trading Assets ($ Bil) 0
Bank Premises Assets ($ Bil) 0
Other Real Estate Owned ($ Bil) 0
Goodwill & Intangibles ($ Bil) 0
Other Assets ($ Bil) 0
Total Assets (Sum) ($ Bil) 9
Total Assets (Reported) ($ Bil) 9
Risk Weighted Assets ($ Bil) 6
SECURITIES DETAILS
US Govt Securities ($ Bil) 2
Equity Securities Not Held for Trading ($ Bil) 0
Total Debt Securities ($ Bil) 2
Mortgage-Backed Securities ($ Bil) 0
SECURITIES VALUATION
Securities Held to Maturity (Book Value) ($ Bil) 0
Securities Available for Sale (Fair Market) ($ Bil) 2

Bank Loans
FDIC Data As Of 3311995
LOAN DETAILS
All Real Estate Loans ($ Bil) 5
Farm Loans ($ Bil) 0
Commercial and Industrial Loans ($ Bil) 1
Loans to Individuals (CC, revolving credit, auto, other) (non-mortgage) ($ Bil) 1
Commercial Real Estate Loans not Secured by Real Estate ($ Bil) 0

FDA Approved Drugs Data
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Financials

Annual
Quarterly

$ Mil | FY: 12/31 LTM 2025 2024 2023 2022 2021 2020
Period End 12/31/2025 12/31/2025 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020
Filing Date 2/24/2026 2/24/2026 2/25/2025 2/27/2024 2/28/2023 2/23/2022 2/24/2021
Key Financials
Total Revenue 20,319 20,319 13,278 20,022 19,973 22,296 22,705
Net Income 5,307 5,307 4,818 -1,091 6,260 6,440 4,482
EPS 3.86 3.87 3.36 -1.09 4.46 4.51 3.11
Growth Rates
Total Revenue Growth 53.0% 53.0% -33.7% 0.2% -10.4% -1.8% 80.7%
Net Income Growth 10.1% 10.1% 541.6% -117.4% -2.8% 43.7% 39.0%
Margins
Net Income Margin 26.1% 26.1% 36.3% -5.4% 31.3% 28.9% 19.7%
Cash & Debt
Total Cash 41,138 41,138 107,232 97,596 93,222 173,418 139,656
Total Debt 64,305 64,305 52,590 59,694 62,946 38,452 44,004
Net Debt / (Cash) 23,167 23,167 -54,642 -37,902 -30,276 -134,966 -95,652
Cash Flows
Net Cash from Operations 5,739 5,739 2,164 8,631 11,081 7,892 7,437
Free Cash from Operations 5,739 5,739 2,164 8,631 10,517 7,450 6,622
Returns to Shareholders
Dividends 2,672 2,996 3,135 3,131 2,989 2,852 2,725
Share Repurchases 3,500 3,500 1,750 -0 250 3,031 500
$ Mil | FY: 12/31 2025Q4 2025Q3 2025Q2 2025Q1 2024Q4 2024Q3 2024Q2 2024Q1 2023Q4 2023Q3 2023Q2 2023Q1
Period End 12/31/2025 9/30/2025 6/30/2025 3/31/2025 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023
Filing Date 2/24/2026 10/30/2025 7/31/2025 4/30/2025 2/25/2025 11/1/2024 8/8/2024 5/9/2024 2/27/2024 10/31/2023 7/31/2023 5/1/2023
Key Financials Quarterly
Total Revenue 5,246 5,187 4,987 4,899 5,060 5,085 -1,685 4,818 4,882 4,869 4,983 5,288
Net Income 1,354 1,452 1,240 1,261 1,276 1,442 903 1,197 -5,090 1,177 1,309 1,513
EPS 1.02 1.05 0.91 0.88 0.92 1.00 0.62 0.82 -3.87 0.80 0.93 1.06
Key Financials TTM
Total Revenue TTM 20,319 20,133 20,031 13,359 13,278 13,100 12,884 19,552 20,022 18,286 19,264 19,936
Net Income TTM 5,307 5,229 5,219 4,882 4,818 -1,548 -1,813 -1,407 -1,091 5,680 6,136 6,358
Growth Rates Quarterly
Total Revenue Growth 3.7% 2.0% 396.0% 1.7% 3.6% 4.4% -133.8% -8.9% 55.2% -16.7% -11.9% -0.7%
Net Income Growth 6.1% 0.7% 37.3% 5.3% 125.1% 22.5% -31.0% -20.9% -402.8% -27.9% -14.5% 6.9%
Margins Quarterly
Net Income Margin 25.8% 28.0% 24.9% 25.7% 25.2% 28.4% - 24.8% -104.3% 24.2% 26.3% 28.6%
Cash & Debt
Total Cash 41,138 41,350 45,855 46,468 107,232 43,741 44,281 37,448 97,596 33,760 32,823 40,134
Total Debt 64,305 71,105 61,058 55,760 52,590 51,129 56,281 63,811 59,694 62,136 65,577 90,996
Net Debt / (Cash) 23,167 29,755 15,203 9,292 -54,642 7,388 12,000 26,363 -37,902 28,376 32,754 50,862
Cash Flows Quarterly
FCF from Operations 2,582 1,497 914 746 775 1,534 845 -990 2,376 2,407 3,730 118
Cash Flows TTM
FCF from Operations TTM 5,739 3,932 3,969 3,900 2,164 3,765 4,638 7,523 8,631 9,789 11,152 11,387
Returns to Shareholders Quarterly
Dividends 658 665 670 679 685 695 696 694 693 693 693 691
Share Repurchases 1,750 500 750 500 1,250 500 -0 -0 -0 -0 -0 -0
Return on Invested Capital (ROIC) Quarterly
ROIC 8.7% 8.3% 9.0% 10.2% - 11.5% -29.4% 7.2% - 7.1% 6.8% 6.5%
Return on Invested Capital (ROIC) TTM
ROIC TTM 8.5% 7.5% 9.5% -0.9% - -13.1% -12.9% -1.9% - 7.8% 7.9% 6.7%

Segment Financials
Revenue by Segment
$ Mil 2025 2024 2023 2022 2021
Wholesale Banking (WB) 12,503 12,768 8,822 8,507 7,659
Consumer and Small Business Banking (CSBB) 7,371 7,959 13,599 12,802 12,841
Other, Treasury and Corporate (OT&C) -6,596 -705 -2,504 -1,778 -130
Insurance Holdings (IH) 3,118 2,765 2,335
Total 13,278 20,022 23,035 22,296 22,705

Net Income by Segment
$ Mil 2025 2024 2023 2022 2021
Wholesale Banking (WB) 3,856 346 4,421 4,830 2,322
Consumer and Small Business Banking (CSBB) 3,075 126 3,866 3,770 3,043
Other, Treasury and Corporate (OT&C) -6,976 -1,975 -2,526 -2,693 -1,280
Insurance Holdings (IH) 506 530 407
Total -45 -1,503 6,267 6,437 4,492

Assets by Segment
$ Mil 2025 2024 2023 2022 2021
Wholesale Banking (WB) 206,028 209,422 208,696 182,734 187,196
Other, Treasury and Corporate (OT&C) 177,744 171,825 169,580 188,145 150,375
Consumer and Small Business Banking (CSBB) 147,404 146,447 169,370 160,497 163,725
Assets of discontinued operations 7,655
Insurance Holdings (IH) 7,609 9,865 7,932
Total 531,176 535,349 555,255 541,241 509,228

Price Behavior

Behavior Stats
Betas Matrix
Behavior vs Other Asset Classes

Price Behavior
Market Price $47.83
Market Cap ($ Bil) 60.6
First Trading Date 03/26/1990
Distance from 52W High -13.4%
50 Days 200 Days
DMA Price $48.87 $45.91
DMA Trend up down
Distance from DMA -2.1% 4.2%
3M 1YR
Volatility 26.4% 25.7%
Downside Capture 0.49 0.53
Upside Capture 90.79 103.13
Correlation (SPY) 47.8% 66.4%

TFC Betas & Captures as of 3/31/2026

1M 2M 3M 6M 1Y 3Y
Beta 1.02 1.01 1.04 0.95 1.09 1.19
Up Beta 1.13 0.62 0.91 0.93 0.94 1.18
Down Beta 0.63 0.84 0.86 1.00 1.35 1.17
Up Capture 91% 96% 108% 96% 107% 167%
Bmk +ve Days 7 16 27 65 139 424
Stock +ve Days 11 24 35 71 133 386
Down Capture 123% 123% 118% 92% 104% 105%
Bmk -ve Days 12 23 33 58 110 323
Stock -ve Days 11 18 28 55 118 361

[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively

1Y

5Y

10Y

Based On 1-Year Data
Annualized
Return Annualized
Volatility Sharpe
Ratio Correlation
with TFC
TFC 35.5% 26.3% 1.12 -
Sector ETF (XLF) 5.7% 18.6% 0.16 80.7%
Equity (SPY) 21.3% 18.3% 0.94 69.4%
Gold (GLD) 51.9% 28.0% 1.49 -3.2%
Commodities (DBC) 20.3% 17.2% 1.02 13.8%
Real Estate (VNQ) 6.9% 16.1% 0.23 54.9%
Bitcoin (BTCUSD) -17.5% 44.0% -0.31 28.0%

Smart multi-asset allocation framework can stack odds in your favor. Learn How

Based On 5-Year Data
Annualized
Return Annualized
Volatility Sharpe
Ratio Correlation
with TFC
TFC 0.6% 31.8% 0.07 -
Sector ETF (XLF) 9.6% 18.7% 0.40 78.4%
Equity (SPY) 11.7% 17.0% 0.53 59.5%
Gold (GLD) 22.5% 17.8% 1.04 -1.3%
Commodities (DBC) 12.0% 18.8% 0.52 18.0%
Real Estate (VNQ) 3.4% 18.8% 0.09 51.2%
Bitcoin (BTCUSD) 3.1% 56.5% 0.28 17.4%

Smart multi-asset allocation framework can stack odds in your favor. Learn How

Based On 10-Year Data
Annualized
Return Annualized
Volatility Sharpe
Ratio Correlation
with TFC
TFC 7.9% 33.5% 0.32 -
Sector ETF (XLF) 12.6% 22.2% 0.52 84.8%
Equity (SPY) 13.9% 17.9% 0.67 65.2%
Gold (GLD) 13.9% 15.9% 0.73 -7.4%
Commodities (DBC) 8.4% 17.6% 0.40 24.8%
Real Estate (VNQ) 4.9% 20.7% 0.20 56.5%
Bitcoin (BTCUSD) 66.6% 66.8% 1.06 14.8%

Smart multi-asset allocation framework can stack odds in your favor. Learn How

Short Interest
Short Interest: As Of Date 3132026
Short Interest: Shares Quantity 23.5 Mil
Short Interest: % Change Since 2282026 -10.0%
Average Daily Volume 9.6 Mil
Days-to-Cover Short Interest 2.4 days
Basic Shares Quantity 1,267.1 Mil
Short % of Basic Shares 1.9%

Returns Analyses
Title
0 Would You Still Hold Truist Financial Stock If It Fell 30%?
1 Truist Financial Stock Return Comparison
2 TFC YTD Stock Return Of -0.8% Outperforms JPM by 16% and Underperforms WFC by -3.3%
3 Truist Financial Total Shareholder Return (TSR): -23.1% in 2022 and -5.1% 3-yr returns (above peer average)

Earnings Returns History
Expand for More
Forward Returns
Earnings Date 1D Returns 5D Returns 21D Returns
1/21/2026 1.8% 3.6% 6.4%
10/17/2025 3.7% 6.1% 10.4%
7/18/2025 -1.7% 1.0% -0.1%
4/17/2025 -0.3% 5.3% 16.5%
1/17/2025 5.9% 4.5% 7.0%
10/17/2024 -3.5% -2.4% 5.0%
7/22/2024 3.2% 4.7% 2.5%
4/22/2024 3.4% 3.7% 7.5%
...
SUMMARY STATS
# Positive 12 14 19
# Negative 12 10 5
Median Positive 2.6% 4.6% 6.4%
Median Negative -2.0% -4.4% -8.1%
Max Positive 5.9% 6.6% 16.5%
Max Negative -7.1% -12.0% -17.2%

SEC Filings
Expand for More
Report Date Filing Date Filing
12/31/2025 02/24/2026 10-K
09/30/2025 10/30/2025 10-Q
06/30/2025 07/31/2025 10-Q
03/31/2025 04/30/2025 10-Q
12/31/2024 02/25/2025 10-K
09/30/2024 11/01/2024 10-Q
06/30/2024 08/08/2024 10-Q
03/31/2024 05/09/2024 10-Q
12/31/2023 02/27/2024 10-K
09/30/2023 10/31/2023 10-Q
06/30/2023 07/31/2023 10-Q
03/31/2023 05/01/2023 10-Q
12/31/2022 02/28/2023 10-K
09/30/2022 10/31/2022 10-Q
06/30/2022 08/01/2022 10-Q
03/31/2022 05/05/2022 10-Q

Recent Forward Guidance [BETA]

Latest: Q4 2025 Earnings Reported 1/21/2026
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Prior: Q3 2025 Earnings Reported 10/17/2025
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Insider Activity
Expand for More
# Owner Title Holding Action Filing Date Price Shares Transacted
Value Value of
Held Shares Form
1 Boyer, K. David Jr Direct Sell 11282025 46.45 5,160 239,682 471,601 Form
2 Bender, Bradley D Chief Risk Officer Direct Sell 7242025 45.19 12,540 566,689 22,595 Form
3 Powell, Cynthia B Corp. Controller & CAO Direct Sell 2042026 52.49 3,500 183,715 35,011 Form
4 Maguire, Michael Baron Chief Financial Officer Direct Sell 1282026 50.13 13,000 651,664 3,725,673 Form

TFC Trade Sentinel

Stock Conviction

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CONVICTION RATIONALE

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STOCK ARCHETYPE
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INVESTMENT THESIS
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Mechanism: null

Supporting Evidence:

PRIMARY RISK
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Mechanism: null

Supporting Evidence:

Key KPI Watchlist

KPI Threshold Rationale

Core Investment Debate

BULL VIEW

CORE TENSION

PREVAILING SENTIMENT

BEAR VIEW

Next 6 months: Risks and Catalysts

Timeline Event & Metric To Watch

Key Events in Last 6 Months

Date Event Stock Impact

Risk Management

Position Sizing

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Diversification Alternatives

How Is The Market Pricing TFC?

What will confirm the thesis

What will damage the thesis

Noise: Real but irrelevant to thesis

Repricing Catalyst

What TFC Makes & Who Pays

TTM figures based on

TFC Evolution: Price Return by Era

① Structure

0

② Volume / Momentum

0

③ Catalyst

0

Combined Score

0 / 12

1 Price Structure & Trend · ▾

▲

Current $

20D SMA $ Below

50D SMA $ Slope: % Below

200D SMA $ Slope: % Below

✕ — trading days ago

52W High

$

From 52W High

%

All-Time High

$

From ATH

%

52W Low

$

From 52W Low

%

2 Momentum ▾

↑

5D

%

20D

%

63D

%

126D

%

252D

%

3 Relative Strength vs. SPY ▾

↑

20D
%

63D
%

126D
%

252D
%

RS Trend

%

RS Character

4 Institutional Footprint & Volume ▾

↓

◈

Score

Up/Down Vol 20D

Up/Down Vol 60D

OBV Slope 20D

OBV Slope 60D

Hi-Conv Up Days

Past 60D

Hi-Conv Down Days

Past 60D

Volume Trend

20D avg vs 60D avg

5 Volatility ▾

≈

HV 20D

%

HV 60D

%

HV 252D

%

Compression Ratio

ATR 14D

%

6 Key Price Levels Range · Vol ▾

◈

Nearest Resistance

$

% away · touches

Nearest Support

$

% away · touches

2nd Support

$

touches

Risk / Reward

×

Approach Volume

Current Price

$

7 Earnings Reaction History ▾

★

%

Earnings Day Return · Vol Spike ×

5D

%

10D

%

20D

%

Post Vol

×

%

Earnings Day Return · Vol Spike ×

5D

%

10D

%

20D

%

Post Vol

×

8 How the Verdict Is Derived Three Pillars ▾

Pillar Score

① Structure 0

② Vol / Mom 0

③ Catalyst 0

ℹ Bull Pillars: 0 · Bear Pillars: 0 · Combined Score: 0 →

Price Intelligence is derived from price-volume pattern analysis only. All moving averages are simple (SMA). Relative strength benchmarked against SPY.

Industry Resources
Financials Resources
Federal Reserve Economic Data
Federal Reserve
FDIC Data
American Banker
The Banker
Banking Technology

External Quote Links
0 Y Finance Barrons
1 TradingView Morningstar
2 SeekingAlpha ValueLine
3 Motley Fool Robinhood
4 CNBC Etrade
5 MarketWatch Unusual Whales
6 YCharts Perplexity Finance
7 FinViz

Prefer one of these to Trefis? Tell us why.

	2021	2022	2023	2024	2025	2026	Total [1]
Returns
TFC Return	26%	-24%	-9%	24%	19%	-2%	27%
Peers Return	40%	-17%	13%	34%	26%	-5%	111%
S&P 500 Return	27%	-19%	24%	23%	16%	-3%	76%
Monthly Win Rates [3]
TFC Win Rate	67%	42%	33%	67%	58%	50%
Peers Win Rate	67%	42%	55%	60%	63%	35%
S&P 500 Win Rate	75%	42%	67%	75%	67%	50%
Max Drawdowns [4]
TFC Max Drawdown	-2%	-29%	-38%	-5%	-19%	-10%
Peers Max Drawdown	-3%	-28%	-20%	-6%	-18%	-11%
S&P 500 Max Drawdown	-1%	-25%	-1%	-2%	-15%	-7%

Unique Key	Event	TFC	S&P 500
2022 Inflation Shock	2022 Inflation Shock
2022 Inflation Shock% Loss	% Loss	-61.1%	-25.4%
2022 Inflation Shock% Gain to Breakeven	% Gain to Breakeven	157.2%	34.1%
2022 Inflation ShockTime to Breakeven	Time to Breakeven	Not Fully Recovered days	464 days
2020 Covid Pandemic	2020 Covid Pandemic
2020 Covid Pandemic% Loss	% Loss	-54.7%	-33.9%
2020 Covid Pandemic% Gain to Breakeven	% Gain to Breakeven	120.6%	51.3%
2020 Covid PandemicTime to Breakeven	Time to Breakeven	333 days	148 days
2018 Correction	2018 Correction
2018 Correction% Loss	% Loss	-26.3%	-19.8%
2018 Correction% Gain to Breakeven	% Gain to Breakeven	35.8%	24.7%
2018 CorrectionTime to Breakeven	Time to Breakeven	353 days	120 days
2008 Global Financial Crisis	2008 Global Financial Crisis
2008 Global Financial Crisis% Loss	% Loss	-67.6%	-56.8%
2008 Global Financial Crisis% Gain to Breakeven	% Gain to Breakeven	208.9%	131.3%
2008 Global Financial CrisisTime to Breakeven	Time to Breakeven	2,288 days	1,480 days

	Title	Date
0	DASHBOARDS
1	TFC Stock Surges 11% With A 7-day Winning Spree On Analyst Price Target Hikes	02/07/2026
2	Would You Still Hold Truist Financial Stock If It Fell 30%?	10/17/2025
3	TFC Dip Buy Analysis	07/10/2025
4	Truist Financial Total Shareholder Return (TSR): 28.2% in 2024 and 0.9% 3-yr compounded annual returns (below peer average)	03/07/2025
5	Truist Financial (TFC) Operating Cash Flow Comparison	02/17/2025
6	Truist Financial (TFC) Net Income Comparison	02/16/2025
7	Truist Financial vs. S&P500 Correlation	10/03/2024
8	Truist Financial Price Volatility	09/24/2024
9	Fundamental Metrics: ...	06/19/2024
10	Truist Financial During 2008 Recession vs. 2022 Inflation Shock: TFC Stock Has 127% Upside If It Recovers To Pre-Inflation Shock Levels	09/07/2023
11	ARTICLES
12	S&P 500 Stocks Trading At 52-Week High	12/23/2025
13	Large Cap Stocks Trading At 52-Week High	12/02/2025

Unique Key	Date	Ticker	Company	Category	Trade Strategy	6M Fwd Rtn	12M Fwd Rtn	12M Max DD
HBAN_3312026_Insider_Buying_45D_2Buy_200K	03312026	HBAN	Huntington Bancshares	Insider	Insider Buys 45DStrong Insider Buying Companies with multiple insider buys in the last 45 days	0.0%	0.0%	0.0%
NP_3312026_Insider_Buying_45D_2Buy_200K	03312026	NP	Neptune Insurance	Insider	Insider Buys 45DStrong Insider Buying Companies with multiple insider buys in the last 45 days	0.0%	0.0%	0.0%
JKHY_3272026_Monopoly_xInd_xCD_Getting_Cheaper	03272026	JKHY	Jack Henry & Associates	Monopoly	MY \| Getting CheaperMonopoly-Like with P/S Decline Large cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple	3.1%	3.1%	0.0%
MKTX_3202026_Dip_Buyer_FCFYield	03202026	MKTX	MarketAxess	Dip Buy	DB \| FCFY OPMDip Buy with High FCF Yield and High Margin Buying dips for companies with high FCF yield and meaningfully high operating margin	-5.2%	-5.2%	-5.7%
RYAN_3202026_Insider_Buying_GTE_1Mil_EBITp+DE_V2	03202026	RYAN	Ryan Specialty	Insider	Insider Buys \| Low D/EStrong Insider Buying Companies with strong insider buying in the last 1 month, positive operating income and reasonable debt / market cap	-2.7%	-2.7%	-8.5%

	TFC	PNC	USB	WFC	BAC	JPM	Median
Name	Truist F.	PNC Fina.	U.S. Ban.	Wells Fa.	Bank of .	JPMorgan.
Mkt Price	47.83	213.92	53.70	81.75	50.28	297.40	67.72
Mkt Cap	60.6	84.1	83.4	254.5	370.3	813.5	169.3
Rev LTM	20,319	23,077	28,540	83,446	113,097	182,435	55,993
Op Inc LTM	-	-	-	-	-	-	-
FCF LTM	5,739	4,384	7,970	-19,001	12,613	-147,782	5,062
FCF 3Y Avg	5,511	7,458	9,238	8,131	16,263	-58,940	7,794
CFO LTM	5,739	4,384	7,970	-19,001	12,613	-147,782	5,062
CFO 3Y Avg	5,511	7,458	9,238	8,131	16,263	-58,940	7,794

$ Mil	2025	2024	2023	2022	2021
Wholesale Banking (WB)	12,503	12,768	8,822	8,507	7,659
Consumer and Small Business Banking (CSBB)	7,371	7,959	13,599	12,802	12,841
Other, Treasury and Corporate (OT&C)	-6,596	-705	-2,504	-1,778	-130
Insurance Holdings (IH)			3,118	2,765	2,335
Total	13,278	20,022	23,035	22,296	22,705

$ Mil	2025	2024	2023	2022	2021
Wholesale Banking (WB)	3,856	346	4,421	4,830	2,322
Consumer and Small Business Banking (CSBB)	3,075	126	3,866	3,770	3,043
Other, Treasury and Corporate (OT&C)	-6,976	-1,975	-2,526	-2,693	-1,280
Insurance Holdings (IH)			506	530	407
Total	-45	-1,503	6,267	6,437	4,492

$ Mil	2025	2024	2023	2022	2021
Wholesale Banking (WB)	206,028	209,422	208,696	182,734	187,196
Other, Treasury and Corporate (OT&C)	177,744	171,825	169,580	188,145	150,375
Consumer and Small Business Banking (CSBB)	147,404	146,447	169,370	160,497	163,725
Assets of discontinued operations		7,655
Insurance Holdings (IH)			7,609	9,865	7,932
Total	531,176	535,349	555,255	541,241	509,228

Market Price	$47.83
Market Cap ($ Bil)	60.6
First Trading Date	03/26/1990
Distance from 52W High	-13.4%
	50 Days	200 Days
DMA Price	$48.87	$45.91
DMA Trend	up	down
Distance from DMA	-2.1%	4.2%
	3M	1YR
Volatility	26.4%	25.7%
Downside Capture	0.49	0.53
Upside Capture	90.79	103.13
Correlation (SPY)	47.8%	66.4%

	1M	2M	3M	6M	1Y	3Y
Beta	1.02	1.01	1.04	0.95	1.09	1.19
Up Beta	1.13	0.62	0.91	0.93	0.94	1.18
Down Beta	0.63	0.84	0.86	1.00	1.35	1.17
Up Capture	91%	96%	108%	96%	107%	167%
Bmk +ve Days	7	16	27	65	139	424
Stock +ve Days	11	24	35	71	133	386
Down Capture	123%	123%	118%	92%	104%	105%
Bmk -ve Days	12	23	33	58	110	323
Stock -ve Days	11	18	28	55	118	361

	Annualized Return	Annualized Volatility	Sharpe Ratio	Correlation with TFC
TFC	35.5%	26.3%	1.12	-
Sector ETF (XLF)	5.7%	18.6%	0.16	80.7%
Equity (SPY)	21.3%	18.3%	0.94	69.4%
Gold (GLD)	51.9%	28.0%	1.49	-3.2%
Commodities (DBC)	20.3%	17.2%	1.02	13.8%
Real Estate (VNQ)	6.9%	16.1%	0.23	54.9%
Bitcoin (BTCUSD)	-17.5%	44.0%	-0.31	28.0%

	Annualized Return	Annualized Volatility	Sharpe Ratio	Correlation with TFC
TFC	0.6%	31.8%	0.07	-
Sector ETF (XLF)	9.6%	18.7%	0.40	78.4%
Equity (SPY)	11.7%	17.0%	0.53	59.5%
Gold (GLD)	22.5%	17.8%	1.04	-1.3%
Commodities (DBC)	12.0%	18.8%	0.52	18.0%
Real Estate (VNQ)	3.4%	18.8%	0.09	51.2%
Bitcoin (BTCUSD)	3.1%	56.5%	0.28	17.4%

	Annualized Return	Annualized Volatility	Sharpe Ratio	Correlation with TFC
TFC	7.9%	33.5%	0.32	-
Sector ETF (XLF)	12.6%	22.2%	0.52	84.8%
Equity (SPY)	13.9%	17.9%	0.67	65.2%
Gold (GLD)	13.9%	15.9%	0.73	-7.4%
Commodities (DBC)	8.4%	17.6%	0.40	24.8%
Real Estate (VNQ)	4.9%	20.7%	0.20	56.5%
Bitcoin (BTCUSD)	66.6%	66.8%	1.06	14.8%

Short Interest: As Of Date	3132026
Short Interest: Shares Quantity	23.5 Mil
Short Interest: % Change Since 2282026	-10.0%
Average Daily Volume	9.6 Mil
Days-to-Cover Short Interest	2.4 days
Basic Shares Quantity	1,267.1 Mil
Short % of Basic Shares	1.9%

	Title
0	Would You Still Hold Truist Financial Stock If It Fell 30%?
1	Truist Financial Stock Return Comparison
2	TFC YTD Stock Return Of -0.8% Outperforms JPM by 16% and Underperforms WFC by -3.3%
3	Truist Financial Total Shareholder Return (TSR): -23.1% in 2022 and -5.1% 3-yr returns (above peer average)

	Forward Returns
Earnings Date	1D Returns	5D Returns	21D Returns
1/21/2026	1.8%	3.6%	6.4%
10/17/2025	3.7%	6.1%	10.4%
7/18/2025	-1.7%	1.0%	-0.1%
4/17/2025	-0.3%	5.3%	16.5%
1/17/2025	5.9%	4.5%	7.0%
10/17/2024	-3.5%	-2.4%	5.0%
7/22/2024	3.2%	4.7%	2.5%
4/22/2024	3.4%	3.7%	7.5%
...
SUMMARY STATS
# Positive	12	14	19
# Negative	12	10	5
Median Positive	2.6%	4.6%	6.4%
Median Negative	-2.0%	-4.4%	-8.1%
Max Positive	5.9%	6.6%	16.5%
Max Negative	-7.1%	-12.0%	-17.2%

Report Date	Filing Date	Filing
12/31/2025	02/24/2026	10-K
09/30/2025	10/30/2025	10-Q
06/30/2025	07/31/2025	10-Q
03/31/2025	04/30/2025	10-Q
12/31/2024	02/25/2025	10-K
09/30/2024	11/01/2024	10-Q
06/30/2024	08/08/2024	10-Q
03/31/2024	05/09/2024	10-Q
12/31/2023	02/27/2024	10-K
09/30/2023	10/31/2023	10-Q
06/30/2023	07/31/2023	10-Q
03/31/2023	05/01/2023	10-Q
12/31/2022	02/28/2023	10-K
09/30/2022	10/31/2022	10-Q
06/30/2022	08/01/2022	10-Q
03/31/2022	05/05/2022	10-Q

#	Owner	Title	Holding	Action	Filing Date	Price	Shares	Transacted Value	Value of Held Shares	Form
1	Boyer, K. David Jr		Direct	Sell	11282025	46.45	5,160	239,682	471,601	Form
2	Bender, Bradley D	Chief Risk Officer	Direct	Sell	7242025	45.19	12,540	566,689	22,595	Form
3	Powell, Cynthia B	Corp. Controller & CAO	Direct	Sell	2042026	52.49	3,500	183,715	35,011	Form
4	Maguire, Michael Baron	Chief Financial Officer	Direct	Sell	1282026	50.13	13,000	651,664	3,725,673	Form

0	Y Finance	Barrons
1	TradingView	Morningstar
2	SeekingAlpha	ValueLine
3	Motley Fool	Robinhood
4	CNBC	Etrade
5	MarketWatch	Unusual Whales
6	YCharts	Perplexity Finance
7	FinViz

Truist Financial (TFC)

Market Price (4/8/2026): $48.96 | Market Cap: $62.0 BilSector: Financials | Industry: Diversified Banks

Truist Financial (TFC)

Market Price (4/8/2026): $48.96Market Cap: $62.0 BilSector: FinancialsIndustry: Diversified Banks

Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

Valuation, Metrics & Events

Price Chart

Why The Stock Moved

Qualitative Assessment

Stock Movement Drivers

Fundamental Drivers

Market Drivers

Fundamental Drivers

Market Drivers

Fundamental Drivers

Market Drivers

Fundamental Drivers

Market Drivers

Return vs. Risk

Price Returns Compared

How Low Can It Go

In The Past

Preserve Wealth

Asset Allocation

About Truist Financial (TFC)

Interactive Breakdown

Better Bets vs. Truist Financial (TFC)

Latest Trefis Analyses

Trade Ideas

Recent Active Movers

Top Gainers

Top Losers

Top Gainers

Top Losers

Top Gainers

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Research & Analysis

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Peer Comparisons

Financials

Growth & Margins

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Comparison Analyses

FDIC Bank Data

Bank Capital

Bank Deposits

Bank Assets

Bank Loans

FDA Approved Drugs Data

Financials

Segment Financials

Price Behavior

Based On 1-Year Data

Based On 5-Year Data

Based On 10-Year Data

Short Interest

Returns Analyses

Earnings Returns History

SEC Filings

Recent Forward Guidance [BETA]

Insider Activity

TFC Trade Sentinel

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CONVICTION RATIONALE

STOCK ARCHETYPE

INVESTMENT THESIS

PRIMARY RISK

BULL VIEW

CORE TENSION

PREVAILING SENTIMENT

BEAR VIEW

Position Sizing

null

Diversification Alternatives

Repricing Catalyst

Industry Resources

External Quote Links

Market Price (4/8/2026): $48.96 | Market Cap: $62.0 Bil
Sector: Financials | Industry: Diversified Banks

Market Price (4/8/2026): $48.96
Market Cap: $62.0 Bil
Sector: Financials
Industry: Diversified Banks