Truist Financial (TFC)
Market Price (8/28/2026): $50.66 | Market Cap: $62.1 BilInvestor Relations Sector: Financials | Industry: Diversified Banks
Truist Financial (TFC)
Market Price (8/28/2026): $50.66Market Cap: $62.1 BilSector: FinancialsIndustry: Diversified Banks
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 14%, Dividend Yield is 4.2%, 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 9.4% Attractive cash flow generationCFO/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 5.8 Bil, FCF LTM is 5.8 Bil Stock buyback supportStock Buyback 3Y Total is 7.6 Bil Low stock price volatilityVol 12M is 24% 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 lowUninsured 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 driversMegatrends include Fintech & Digital Payments, AI in Financial Services, Sustainable Finance, and Digital & Alternative Assets. Show more. | Weak multi-year price returns2Y Excs Rtn is -7.3% | Key risksTFC key risks include [1] substantial pressure on net interest income and exacerbated unrealized losses on its portfolio due to interest rate fluctuations, Show more. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 14%, Dividend Yield is 4.2%, 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 9.4% |
| Attractive cash flow generationCFO/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 5.8 Bil, FCF LTM is 5.8 Bil |
| Stock buyback supportStock Buyback 3Y Total is 7.6 Bil |
| Low stock price volatilityVol 12M is 24% |
| 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 lowUninsured 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 driversMegatrends include Fintech & Digital Payments, AI in Financial Services, Sustainable Finance, and Digital & Alternative Assets. Show more. |
| Weak multi-year price returns2Y Excs Rtn is -7.3% |
| Key risksTFC key risks include [1] substantial pressure on net interest income and exacerbated unrealized losses on its portfolio due to interest rate fluctuations, Show more. |
Qualitative Assessment
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Updated on 8/1/2026
Truist Financial (TFC) stock has remained largely at the same level since 4/30/2026 because of the following key factors:
1. Mixed Fiscal Q2 2026 Earnings with Reduced Net Interest Income (NII) Guidance. Truist Financial reported diluted earnings per share of $1.23 for fiscal Q2 2026 (ended June 30, 2026), surpassing analyst estimates by $0.15, representing a 13.89% beat. Net income available to common shareholders rose 29% year-over-year to $1.5 billion, and return on average tangible common equity (ROTCE) improved to 15.4%. Despite these strong profitability metrics, the stock experienced a mild negative reaction, declining 1.41% on the day of the announcement. This was primarily driven by the company's decision to lower its full-year 2026 revenue growth guidance to 3.5% to 4% from the previous 4% target, solely attributed to reduced net interest income expectations due to ongoing challenges from deposit mix shifts and loan spread compression.
2. CEO Succession Announcement and Associated "Strategy Reset Risk". On June 15, 2026, Truist announced that Michael P. Lyons would be the incoming CEO, with Bill Rogers transitioning to an executive chair role until his planned retirement in April 2027. This leadership change introduced uncertainty, leading BofA Securities to downgrade Truist's rating from "Buy" to "Neutral" on July 8, 2026. The analyst cited "strategy reset risk" and suggested the external hire was an implicit acknowledgment that the post-merger strategy was underperforming, noting that Truist's returns were among the lowest for super-regional banks. This analyst sentiment likely contributed to the stock's constrained upward movement.
Show more
Truist Financial (TFC) stock has remained largely at the same level since 4/30/2026 because of the following key factors:
1. Mixed Fiscal Q2 2026 Earnings with Reduced Net Interest Income (NII) Guidance. Truist Financial reported diluted earnings per share of $1.23 for fiscal Q2 2026 (ended June 30, 2026), surpassing analyst estimates by $0.15, representing a 13.89% beat. Net income available to common shareholders rose 29% year-over-year to $1.5 billion, and return on average tangible common equity (ROTCE) improved to 15.4%. Despite these strong profitability metrics, the stock experienced a mild negative reaction, declining 1.41% on the day of the announcement. This was primarily driven by the company's decision to lower its full-year 2026 revenue growth guidance to 3.5% to 4% from the previous 4% target, solely attributed to reduced net interest income expectations due to ongoing challenges from deposit mix shifts and loan spread compression.
2. CEO Succession Announcement and Associated "Strategy Reset Risk". On June 15, 2026, Truist announced that Michael P. Lyons would be the incoming CEO, with Bill Rogers transitioning to an executive chair role until his planned retirement in April 2027. This leadership change introduced uncertainty, leading BofA Securities to downgrade Truist's rating from "Buy" to "Neutral" on July 8, 2026. The analyst cited "strategy reset risk" and suggested the external hire was an implicit acknowledgment that the post-merger strategy was underperforming, noting that Truist's returns were among the lowest for super-regional banks. This analyst sentiment likely contributed to the stock's constrained upward movement.
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Updated on 8/1/2026
Truist Financial (TFC) stock has remained largely at the same level since 4/30/2026 because of the following key factors:
1. Mixed Fiscal Q2 2026 Earnings with Reduced Net Interest Income (NII) Guidance. Truist Financial reported diluted earnings per share of $1.23 for fiscal Q2 2026 (ended June 30, 2026), surpassing analyst estimates by $0.15, representing a 13.89% beat. Net income available to common shareholders rose 29% year-over-year to $1.5 billion, and return on average tangible common equity (ROTCE) improved to 15.4%. Despite these strong profitability metrics, the stock experienced a mild negative reaction, declining 1.41% on the day of the announcement. This was primarily driven by the company's decision to lower its full-year 2026 revenue growth guidance to 3.5% to 4% from the previous 4% target, solely attributed to reduced net interest income expectations due to ongoing challenges from deposit mix shifts and loan spread compression.
2. CEO Succession Announcement and Associated "Strategy Reset Risk". On June 15, 2026, Truist announced that Michael P. Lyons would be the incoming CEO, with Bill Rogers transitioning to an executive chair role until his planned retirement in April 2027. This leadership change introduced uncertainty, leading BofA Securities to downgrade Truist's rating from "Buy" to "Neutral" on July 8, 2026. The analyst cited "strategy reset risk" and suggested the external hire was an implicit acknowledgment that the post-merger strategy was underperforming, noting that Truist's returns were among the lowest for super-regional banks. This analyst sentiment likely contributed to the stock's constrained upward movement.
3. Overall Positive Banking Sector Performance Offset by Truist-Specific Headwinds. The broader U.S. banking sector demonstrated strong performance in Q2 2026, with major banks reporting double-digit year-over-year EPS growth, robust commercial loan growth, and resilient credit quality. The return to a positively sloped yield curve and lower funding costs from Federal Reserve rate cuts in late 2024 and 2025 also supported net interest margin expansion for many institutions. While Truist benefited from some sector tailwinds, such as strong fee income with investment banking and trading revenue increasing 72% year-over-year, its stock performance was tempered by its own reduced NII outlook, indicating that company-specific pressures weighed more heavily than the broader industry's positive momentum.
4. Ongoing Shareholder Return Initiatives Providing Price Support. Truist continued to prioritize shareholder returns during the period. In fiscal Q2 2026, the company returned $1.8 billion to shareholders, including $1.2 billion through share repurchases, and is on track to achieve its target of $5 billion in total share repurchases for the full year 2026. Additionally, Truist declared a regular quarterly cash dividend of $0.52 per common share, payable on September 1, 2026. These consistent capital allocation strategies, aimed at returning value to shareholders, likely provided a floor for the stock price and prevented a more significant decline, contributing to its largely stable performance.
Show less
Truist Financial (TFC) stock has remained largely at the same level since 4/30/2026 because of the following key factors:
1. Mixed Fiscal Q2 2026 Earnings with Reduced Net Interest Income (NII) Guidance. Truist Financial reported diluted earnings per share of $1.23 for fiscal Q2 2026 (ended June 30, 2026), surpassing analyst estimates by $0.15, representing a 13.89% beat. Net income available to common shareholders rose 29% year-over-year to $1.5 billion, and return on average tangible common equity (ROTCE) improved to 15.4%. Despite these strong profitability metrics, the stock experienced a mild negative reaction, declining 1.41% on the day of the announcement. This was primarily driven by the company's decision to lower its full-year 2026 revenue growth guidance to 3.5% to 4% from the previous 4% target, solely attributed to reduced net interest income expectations due to ongoing challenges from deposit mix shifts and loan spread compression.
2. CEO Succession Announcement and Associated "Strategy Reset Risk". On June 15, 2026, Truist announced that Michael P. Lyons would be the incoming CEO, with Bill Rogers transitioning to an executive chair role until his planned retirement in April 2027. This leadership change introduced uncertainty, leading BofA Securities to downgrade Truist's rating from "Buy" to "Neutral" on July 8, 2026. The analyst cited "strategy reset risk" and suggested the external hire was an implicit acknowledgment that the post-merger strategy was underperforming, noting that Truist's returns were among the lowest for super-regional banks. This analyst sentiment likely contributed to the stock's constrained upward movement.
3. Overall Positive Banking Sector Performance Offset by Truist-Specific Headwinds. The broader U.S. banking sector demonstrated strong performance in Q2 2026, with major banks reporting double-digit year-over-year EPS growth, robust commercial loan growth, and resilient credit quality. The return to a positively sloped yield curve and lower funding costs from Federal Reserve rate cuts in late 2024 and 2025 also supported net interest margin expansion for many institutions. While Truist benefited from some sector tailwinds, such as strong fee income with investment banking and trading revenue increasing 72% year-over-year, its stock performance was tempered by its own reduced NII outlook, indicating that company-specific pressures weighed more heavily than the broader industry's positive momentum.
4. Ongoing Shareholder Return Initiatives Providing Price Support. Truist continued to prioritize shareholder returns during the period. In fiscal Q2 2026, the company returned $1.8 billion to shareholders, including $1.2 billion through share repurchases, and is on track to achieve its target of $5 billion in total share repurchases for the full year 2026. Additionally, Truist declared a regular quarterly cash dividend of $0.52 per common share, payable on September 1, 2026. These consistent capital allocation strategies, aimed at returning value to shareholders, likely provided a floor for the stock price and prevented a more significant decline, contributing to its largely stable performance.
Show less
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Stock Movement Drivers
Fundamental Drivers
The -0.3% change in TFC stock from 4/30/2026 to 8/27/2026 was primarily driven by a -12.4% change in the company's P/E Multiple.| (LTM values as of) | 4302026 | 8272026 | Change |
|---|---|---|---|
| Stock Price ($) | 50.46 | 50.30 | -0.3% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 20,319 | 20,850 | 2.6% |
| Net Income Margin (%) | 26.1% | 28.0% | 7.2% |
| P/E Multiple | 12.0 | 10.5 | -12.4% |
| Shares Outstanding (Mil) | 1,267 | 1,225 | 3.5% |
| Cumulative Contribution | -0.3% |
Market Drivers
4/30/2026 to 8/27/2026| Return | Correlation | |
|---|---|---|
| TFC | -0.3% | |
| Market (SPY) | 7.3% | 11.1% |
| Sector (XLF) | 11.0% | 61.6% |
Fundamental Drivers
The 0.8% change in TFC stock from 1/31/2026 to 8/27/2026 was primarily driven by a 7.8% change in the company's Net Income Margin (%).| (LTM values as of) | 1312026 | 8272026 | Change |
|---|---|---|---|
| Stock Price ($) | 49.88 | 50.30 | 0.8% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 20,133 | 20,850 | 3.6% |
| Net Income Margin (%) | 26.0% | 28.0% | 7.8% |
| P/E Multiple | 12.2 | 10.5 | -13.6% |
| Shares Outstanding (Mil) | 1,281 | 1,225 | 4.5% |
| Cumulative Contribution | 0.8% |
Market Drivers
1/31/2026 to 8/27/2026| Return | Correlation | |
|---|---|---|
| TFC | 0.8% | |
| Market (SPY) | 11.7% | 32.0% |
| Sector (XLF) | 8.9% | 68.3% |
Fundamental Drivers
The 21.5% change in TFC stock from 7/31/2025 to 8/27/2026 was primarily driven by a 7.5% change in the company's Net Income Margin (%).| (LTM values as of) | 7312025 | 8272026 | Change |
|---|---|---|---|
| Stock Price ($) | 41.41 | 50.30 | 21.5% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 20,031 | 20,850 | 4.1% |
| Net Income Margin (%) | 26.1% | 28.0% | 7.5% |
| P/E Multiple | 10.3 | 10.5 | 2.9% |
| Shares Outstanding (Mil) | 1,292 | 1,225 | 5.5% |
| Cumulative Contribution | 21.5% |
Market Drivers
7/31/2025 to 8/27/2026| Return | Correlation | |
|---|---|---|
| TFC | 21.5% | |
| Market (SPY) | 23.0% | 38.9% |
| Sector (XLF) | 11.8% | 70.8% |
Fundamental Drivers
The 78.4% change in TFC stock from 7/31/2023 to 8/27/2026 was primarily driven by a 72.4% change in the company's P/E Multiple.| (LTM values as of) | 7312023 | 8272026 | Change |
|---|---|---|---|
| Stock Price ($) | 28.19 | 50.30 | 78.4% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 19,264 | 20,850 | 8.2% |
| Net Income Margin (%) | 31.9% | 28.0% | -12.1% |
| P/E Multiple | 6.1 | 10.5 | 72.4% |
| Shares Outstanding (Mil) | 1,332 | 1,225 | 8.7% |
| Cumulative Contribution | 78.4% |
Market Drivers
7/31/2023 to 8/27/2026| Return | Correlation | |
|---|---|---|
| TFC | 78.4% | |
| Market (SPY) | 74.4% | 56.7% |
| Sector (XLF) | 71.2% | 75.8% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| TFC Return | 26% | -24% | -9% | 24% | 19% | 6% | 38% |
| Peers Return | 40% | -17% | 13% | 34% | 26% | 12% | 148% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | 12% | 104% |
Monthly Win Rates [3] | |||||||
| TFC Win Rate | 67% | 42% | 33% | 67% | 58% | 50% | |
| Peers Win Rate | 67% | 42% | 55% | 60% | 63% | 48% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 50% | |
Max Drawdowns [4] | |||||||
| TFC Max Drawdown | -16% | -38% | -47% | -12% | -27% | -21% | |
| Peers Max Drawdown | -13% | -37% | -29% | -14% | -26% | -18% | |
| S&P 500 Max Drawdown | -5% | -25% | -10% | -8% | -19% | -9% | |
[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 8/27/2026 (YTD)
How Low Can It Go
| Event | TFC | S&P 500 |
|---|---|---|
| 2025 US Tariff Shock | ||
| % Loss | -26.8% | -18.8% |
| % Gain to Breakeven | 36.6% | 23.1% |
| Time to Breakeven | 144 days | 79 days |
| Summer-Fall 2023 Five Percent Yield Shock | ||
| % Loss | -15.6% | -9.5% |
| % Gain to Breakeven | 18.5% | 10.5% |
| Time to Breakeven | 23 days | 24 days |
| 2023 SVB Regional Banking Crisis | ||
| % Loss | -46.6% | -6.7% |
| % Gain to Breakeven | 87.3% | 7.1% |
| Time to Breakeven | 552 days | 31 days |
| 2022 Inflation Shock & Fed Tightening | ||
| % Loss | -31.2% | -24.5% |
| % Gain to Breakeven | 45.3% | 32.4% |
| Time to Breakeven | 1147 days | 427 days |
| 2020 COVID-19 Crash | ||
| % Loss | -53.0% | -33.7% |
| % Gain to Breakeven | 112.6% | 50.9% |
| Time to Breakeven | 297 days | 140 days |
| Q4 2018 Fed Policy Error / Growth Scare | ||
| % Loss | -15.0% | -19.2% |
| % Gain to Breakeven | 17.7% | 23.8% |
| Time to Breakeven | 25 days | 105 days |
In The Past
Truist Financial's stock fell -26.8% during the 2025 US Tariff Shock. Such a loss loss requires a 36.6% gain to breakeven.
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Asset Allocation
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| Event | TFC | S&P 500 |
|---|---|---|
| 2025 US Tariff Shock | ||
| % Loss | -26.8% | -18.8% |
| % Gain to Breakeven | 36.6% | 23.1% |
| Time to Breakeven | 144 days | 79 days |
| 2023 SVB Regional Banking Crisis | ||
| % Loss | -46.6% | -6.7% |
| % Gain to Breakeven | 87.3% | 7.1% |
| Time to Breakeven | 552 days | 31 days |
| 2022 Inflation Shock & Fed Tightening | ||
| % Loss | -31.2% | -24.5% |
| % Gain to Breakeven | 45.3% | 32.4% |
| Time to Breakeven | 1147 days | 427 days |
| 2020 COVID-19 Crash | ||
| % Loss | -53.0% | -33.7% |
| % Gain to Breakeven | 112.6% | 50.9% |
| Time to Breakeven | 297 days | 140 days |
| 2015-2016 China Devaluation / Global Growth Scare | ||
| % Loss | -23.5% | -12.2% |
| % Gain to Breakeven | 30.7% | 13.9% |
| Time to Breakeven | 238 days | 62 days |
| 2011 US Debt Ceiling Crisis & European Contagion | ||
| % Loss | -26.8% | -17.9% |
| % Gain to Breakeven | 36.6% | 21.8% |
| Time to Breakeven | 135 days | 123 days |
| 2010 Eurozone Sovereign Debt Crisis / Flash Crash | ||
| % Loss | -25.1% | -15.4% |
| % Gain to Breakeven | 33.5% | 18.2% |
| Time to Breakeven | 630 days | 125 days |
| 2008-2009 Global Financial Crisis | ||
| % Loss | -54.8% | -53.4% |
| % Gain to Breakeven | 121.3% | 114.4% |
| Time to Breakeven | 195 days | 1085 days |
In The Past
Truist Financial's stock fell -26.8% during the 2025 US Tariff Shock. Such a loss loss requires a 36.6% gain to breakeven.
Preserve Wealth
Limiting losses and compounding gains is essential to preserving wealth.
Asset Allocation
Actively managed asset allocation strategies protect wealth. Learn more.
About Truist Financial (TFC)
Truist Financial Corporation (TFC) is a prominent financial holding company offering a comprehensive range of banking, wealth management, and insurance services. Operating primarily across the Southeastern and Mid-Atlantic regions of the United States, Truist serves a diverse client base, including individual consumers, small businesses, and large corporations. The company's operations are structured into segments: Consumer Banking and Wealth, Corporate and Commercial Banking, and Insurance Holdings.
For its consumer and small business clientele, Truist provides a full suite of deposit products, including checking, savings, money market, and certificate of deposit accounts. Its extensive lending portfolio covers consumer needs such as automobile, home equity, and mortgage loans, as well as small business and student lending. Additionally, the company offers modern conveniences like mobile and online banking, payment solutions, and lease financing.
Truist also caters to affluent individuals and institutional clients through its wealth management, private banking, investment brokerage, and advisory services. Its corporate and commercial banking division delivers sophisticated solutions like capital markets, international banking, and various commercial and real estate lending products to middle-market and large enterprises. A significant aspect of Truist's business is its Insurance Holdings segment, which provides a broad spectrum of property and casualty, life, health, and specialty insurance products.
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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:
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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.
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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).
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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.
Peer Outperformance in Diversified Banks
TFC has trailed 100% of its 11 Diversified Banks peers over 5Y. Among the peers that beat it are CM, JPM and RY. Diversified Banks ranks 3rd of 18 industries in Financials by median 5Y return. That makes it one of the strongest corners of the sector.
Share of Diversified Banks constituents that TFC has outperformed, by holding period. Peers without a full price history over a given window are excluded from that window.
1Y
9%
of 11 industry peers · 12.1% return
3Y
9%
of 11 industry peers · 98.5% return
5Y
0%
of 11 industry peers · 10.4% return
Diversified Banks peers with revenue growth within 4pp of TFC's that beat it on at least 2 of 3 windows, and by at least 20pp over 5Y. Growth is matched by construction, so the gap is largely a re-rating gap. The multiple column is the context for it.
| Ticker | Name | Rev Growth 3Y Avg | P/E | 1Y | 3Y | 5Y | 5Y Gap |
|---|---|---|---|---|---|---|---|
| TFC | Truist Financial | 8.8% | 10.5x | 12.1% | 98.5% | 10.4% | — |
| CM | Canadian Imperial Bank of Commerce | 12.1% | 10.3x | 57.5% | 226.9% | 150.6% | +140pp |
| JPM | JPMorgan Chase | 10.8% | 14.6x | 20.6% | 156.4% | 146.2% | +136pp |
| RY | Royal Bank of Canada | 11.6% | 12.5x | 44.7% | 153.0% | 133.8% | +123pp |
| TD | Toronto-Dominion Bank | 8.9% | 12.3x | 64.2% | 128.9% | 127.0% | +117pp |
| C | Citigroup | 6.5% | 12.7x | 39.9% | 252.0% | 115.6% | +105pp |
Price returns, excluding dividends. P/E shown for context only and not used for matching.
Median price return by industry across the Financials sector, ranked by 5Y. Diversified Banks is TFC's own industry. Use this to see which corners of the sector have carried the returns.
| Industry | Names | 1Y med | 3Y med | 5Y med | Top 3 by 5Y |
|---|---|---|---|---|---|
| Investment Banking & Brokerage | 13 | 6.1% | 128.9% | 134.2% | IBKR 508% · SNEX 237% · GS 180% |
| Reinsurance | 6 | 21.3% | 86.9% | 121.2% | SPNT 139% · RGA 129% · MTG 126% |
| Diversified Banks ← | 12 | 36.5% | 131.7% | 103.2% | CM 151% · JPM 146% · RY 134% |
| Life & Health Insurance | 19 | 13.2% | 56.9% | 89.1% | UNM 297% · FG 210% · MFC 175% |
| Regional Banks | 263 | 24.4% | 82.9% | 63.0% | GCBC 382% · ESQ 358% · NBN 306% |
| Property & Casualty Insurance | 41 | 14.5% | 76.7% | 62.9% | ASIC 2632900% · HRTG 427% · UVE 268% |
| Multi-line Insurance | 9 | 14.2% | 78.0% | 56.3% | GNW 167% · L 98% · SLF 87% |
| Consumer Finance | 30 | 10.3% | 90.1% | 36.0% | ENVA 604% · EZPW 408% · FCFS 177% |
| Multi-Sector Holdings | 6 | 2.5% | -4.6% | 35.7% | BRK-B 76% · JEF 72% · VOYA 70% |
| Insurance Brokers | 15 | -9.0% | 8.2% | 31.4% | LIFE 641% · AJG 91% · ARX 88% |
| Asset Management & Custody Banks | 83 | -8.2% | 24.0% | 22.6% | SII 357% · WT 325% · VCTR 304% |
| Financial Exchanges & Data | 15 | 0.7% | 20.2% | 10.7% | VIRT 209% · CBOE 168% · CME 73% |
| Commercial & Residential Mortgage Finance | 12 | -31.5% | 14.8% | 4.3% | FNMA 502% · FMCC 483% · ESNT 61% |
| Specialized Finance | 3 | 17.7% | 48.7% | 3.7% | EFC 35% · CACC 4% · HASI -13% |
| Mortgage REITs | 33 | -7.1% | 10.8% | -13.9% | NREF 55% · RITM 54% · DX 39% |
| Transaction & Payment Processing Services | 15 | 5.0% | 4.5% | -40.7% | MA 71% · V 69% · CPAY 54% |
| Diversified Capital Markets | 21 | -26.0% | -7.5% | -46.5% | BTCS 705% · OPY 180% · LPLA 145% |
| Diversified Financial Services | 5 | -4.2% | 53.0% | -63.7% | FRHC 166% · EQH 81% · TMS -64% |
Median of constituents with a full price history over each window. Top names are unfiltered by size in this render.
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Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 73.69 |
| Mkt Cap | 178.4 |
| Rev LTM | 58,190 |
| Op Inc LTM | - |
| FCF LTM | 10,006 |
| FCF 3Y Avg | 8,506 |
| CFO LTM | 10,006 |
| CFO 3Y Avg | 8,506 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 8.2% |
| Rev Chg 3Y Avg | 5.1% |
| Rev Chg Q | 11.9% |
| QoQ Delta Rev Chg LTM | 2.8% |
| Op Inc Chg LTM | - |
| Op Inc Chg 3Y Avg | - |
| Op Mgn LTM | - |
| Op Mgn 3Y Avg | - |
| QoQ Delta Op Mgn LTM | - |
| CFO/Rev LTM | 29.1% |
| CFO/Rev 3Y Avg | 29.9% |
| FCF/Rev LTM | 29.1% |
| FCF/Rev 3Y Avg | 29.9% |
Segment Financials
Revenue by Segment| $ Mil | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Wholesale Banking (WB) | 11,970 | 12,503 | 12,723 | 9,910 | 8,531 |
| Consumer and Small Business Banking (CSBB) | 8,193 | 7,371 | 8,000 | 8,784 | 12,874 |
| Other, Treasury and Corporate (OT&C) | 156 | -6,596 | -701 | 1,279 | -1,767 |
| Insurance Holdings (IH) | 2,658 | ||||
| Total | 20,319 | 13,278 | 20,022 | 19,973 | 22,296 |
| $ Mil | 2015 | 2014 | 2013 | 2012 | 2011 |
|---|---|---|---|---|---|
| Residential Mortgage Banking | 1,389 | 411 | 458 | 642 | -27 |
| Community Banking | 1,383 | 2,503 | 1,553 | 2,059 | 832 |
| Specialized Lending | 618 | 406 | 372 | 382 | 297 |
| Dealer Financial Services | 483 | 324 | 328 | 371 | 327 |
| Insurance Services | 419 | 482 | 252 | 356 | 149 |
| Financial Services | 315 | 547 | 488 | 525 | 461 |
| Other, Treasury and Corporate (OT&C) | -1,585 | -1,687 | -3,123 | -1,433 | -411 |
| Total | 3,022 | 2,986 | 328 | 2,902 | 1,628 |
| $ Mil | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Wholesale Banking (WB) | 4,102 | 3,856 | 169 | 4,446 | 4,818 |
| Consumer and Small Business Banking (CSBB) | 2,529 | 3,075 | -36 | 3,228 | 3,827 |
| Other, Treasury and Corporate (OT&C) | -1,324 | -6,976 | -1,636 | -1,895 | -2,696 |
| Insurance Holdings (IH) | 488 | ||||
| Total | 5,307 | -45 | -1,503 | 5,779 | 6,437 |
| $ Mil | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Wholesale Banking (WB) | 223,991 | 206,028 | 209,223 | 215,197 | 185,590 |
| Other, Treasury and Corporate (OT&C) | 169,901 | 177,744 | 171,592 | 169,807 | 188,635 |
| Consumer and Small Business Banking (CSBB) | 153,646 | 147,404 | 146,879 | 162,596 | 160,851 |
| Insurance Holdings (IH) | 6,165 | ||||
| Total | 547,538 | 531,176 | 527,694 | 547,600 | 541,241 |
Price Behavior
Price Behavior
| Market Price | $50.30 | |
| Market Cap ($ Bil) | 61.6 | |
| First Trading Date | 03/26/1990 | |
| Distance from 52W High | -7.1% | |
| 50 Days | 200 Days | |
| DMA Price | $50.96 | $48.57 |
| DMA Trend | up | up |
| Distance from DMA | -1.3% | 3.6% |
| 3M | 1YR | |
| Volatility | 25.8% | 23.8% |
| Downside Capture | 22.24 | 70.76 |
| Upside Capture | 48.29 | 68.78 |
| Correlation (SPY) | 5.1% | 36.6% |
TFC Betas & Captures as of 7/31/2026
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 0.77 | 0.05 | 0.19 | 0.62 | 0.75 | 1.04 |
| Up Beta | -0.59 | -1.40 | -0.63 | 0.32 | 0.65 | 1.04 |
| Down Beta | 0.68 | 0.12 | -0.05 | 0.37 | 0.67 | 1.08 |
| Up Capture | 152% | 70% | 48% | 73% | 79% | 113% |
| Bmk +ve Days | 11 | 22 | 35 | 67 | 138 | 427 |
| Stock +ve Days | 13 | 27 | 35 | 73 | 139 | 390 |
| Down Capture | 89% | 22% | 55% | 87% | 82% | 100% |
| Bmk -ve Days | 11 | 21 | 28 | 59 | 114 | 326 |
| Stock -ve Days | 8 | 15 | 27 | 52 | 112 | 358 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with TFC | |
|---|---|---|---|---|
| TFC | 13.2% | 23.8% | 0.46 | - |
| Sector ETF (XLF) | 9.2% | 14.5% | 0.38 | 69.9% |
| Equity (SPY) | 20.6% | 12.8% | 1.19 | 36.4% |
| Gold (GLD) | 35.6% | 28.8% | 1.05 | 2.2% |
| Commodities (DBC) | 40.3% | 20.3% | 1.55 | -23.7% |
| Real Estate (VNQ) | 11.0% | 13.7% | 0.52 | 45.0% |
| Bitcoin (BTCUSD) | -29.7% | 43.6% | -0.69 | 11.6% |
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Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with TFC | |
|---|---|---|---|---|
| TFC | 3.1% | 31.6% | 0.14 | - |
| Sector ETF (XLF) | 10.9% | 18.4% | 0.45 | 77.1% |
| Equity (SPY) | 13.4% | 17.2% | 0.60 | 58.2% |
| Gold (GLD) | 20.5% | 18.7% | 0.89 | -1.3% |
| Commodities (DBC) | 11.0% | 19.6% | 0.44 | 10.7% |
| Real Estate (VNQ) | 2.2% | 18.9% | 0.01 | 52.5% |
| Bitcoin (BTCUSD) | 11.0% | 52.7% | 0.39 | 19.2% |
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Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with TFC | |
|---|---|---|---|---|
| TFC | 7.2% | 33.6% | 0.29 | - |
| Sector ETF (XLF) | 13.5% | 22.0% | 0.56 | 84.2% |
| Equity (SPY) | 15.3% | 17.9% | 0.72 | 64.0% |
| Gold (GLD) | 12.6% | 16.3% | 0.64 | -5.5% |
| Commodities (DBC) | 7.5% | 18.1% | 0.33 | 21.0% |
| Real Estate (VNQ) | 5.0% | 20.7% | 0.20 | 57.2% |
| Bitcoin (BTCUSD) | 63.6% | 66.1% | 1.03 | 14.9% |
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Returns Analyses
Earnings Returns History
Updated 8/19/2026| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 7/17/2026 | -1.4% | -3.8% | 0.7% |
| 4/17/2026 | 2.3% | 4.0% | -4.0% |
| 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% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 11 | 13 | 18 |
| # Negative | 13 | 11 | 6 |
| Median Positive | 2.6% | 4.5% | 6.7% |
| Median Negative | -1.7% | -4.0% | -6.1% |
| Max Positive | 5.9% | 6.6% | 16.5% |
| Max Negative | -7.1% | -12.0% | -17.2% |
| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 7/17/2026 | -1.4% | -3.8% | 0.7% |
| 4/17/2026 | 2.3% | 4.0% | -4.0% |
| 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% |
| 1/18/2024 | 0.6% | 4.9% | 3.0% |
| 10/19/2023 | -2.4% | -2.7% | 11.3% |
| 7/20/2023 | -7.1% | -6.3% | -17.2% |
| 4/20/2023 | -3.8% | -12.0% | -12.6% |
| 1/19/2023 | 4.3% | 6.6% | 6.0% |
| 10/18/2022 | -2.4% | -4.0% | 5.5% |
| 7/19/2022 | 2.6% | 4.3% | 11.6% |
| 4/19/2022 | -1.2% | -3.5% | -8.1% |
| 1/18/2022 | -0.4% | -7.6% | -3.2% |
| 10/15/2021 | 1.2% | 4.8% | 4.2% |
| 7/15/2021 | 2.6% | 1.6% | 8.4% |
| 4/15/2021 | -4.1% | -4.9% | 2.2% |
| 1/21/2021 | -1.1% | -6.3% | 12.5% |
| 10/15/2020 | -0.3% | -0.8% | 10.7% |
| SUMMARY STATS | |||
| # Positive | 11 | 13 | 18 |
| # Negative | 13 | 11 | 6 |
| Median Positive | 2.6% | 4.5% | 6.7% |
| Median Negative | -1.7% | -4.0% | -6.1% |
| 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 |
|---|---|---|
| 06/30/2026 | 07/31/2026 | 10-Q |
| 03/31/2026 | 05/01/2026 | 10-Q |
| 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 |
| Report Date | Filing Date | Filing |
|---|---|---|
| 06/30/2026 | 07/31/2026 | 10-Q |
| 03/31/2026 | 05/01/2026 | 10-Q |
| 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 |
| 12/31/2021 | 02/23/2022 | 10-K |
| 09/30/2021 | 11/02/2021 | 10-Q |
| 06/30/2021 | 08/06/2021 | 10-Q |
| 03/31/2021 | 05/03/2021 | 10-Q |
| 12/31/2020 | 02/24/2021 | 10-K |
| 09/30/2020 | 11/02/2020 | 10-Q |
| 06/30/2020 | 08/04/2020 | 10-Q |
| 03/31/2020 | 05/08/2020 | 10-Q |
| 12/31/2019 | 03/03/2020 | 10-K |
| 09/30/2019 | 10/25/2019 | 10-Q |
Insider Activity
Updated 8/4/2026| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Wilson, Donta L | Chief Consumer & SB BK Officer | Direct | Sell | 8042026 | 51.85 | 13,280 | 688,618 | 2,904,285 | Form |
| 2 | Boyer, K. David JR | Direct | Sell | 7272026 | 50.70 | 3,986 | 202,090 | 520,706 | Form | |
| 3 | Rogers, William H JR | Chairman & CEO | 2023 GRAT | Sell | 7222026 | 52.36 | 13,250 | Form | ||
| 4 | Powell, Cynthia B | Corp. Controller & CAO | Direct | Sell | 2042026 | 52.49 | 3,500 | 183,715 | 35,011 | Form |
| 5 | Maguire, Michael Baron | Chief Financial Officer | Direct | Sell | 1282026 | 50.13 | 13,000 | 651,664 | 3,725,673 | Form |
| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Wilson, Donta L | Chief Consumer & SB BK Officer | Direct | Sell | 8042026 | 51.85 | 13,280 | 688,618 | 2,904,285 | Form |
| 2 | Boyer, K. David JR | Direct | Sell | 7272026 | 50.70 | 3,986 | 202,090 | 520,706 | Form | |
| 3 | Rogers, William H JR | Chairman & CEO | 2023 GRAT | Sell | 7222026 | 52.36 | 13,250 | Form | ||
| 4 | Powell, Cynthia B | Corp. Controller & CAO | Direct | Sell | 2042026 | 52.49 | 3,500 | 183,715 | 35,011 | Form |
| 5 | Maguire, Michael Baron | Chief Financial Officer | Direct | Sell | 1282026 | 50.13 | 13,000 | 651,664 | 3,725,673 | Form |
| 6 | Boyer, K. David JR | Direct | Sell | 11282025 | 46.45 | 5,160 | 239,682 | 471,601 | Form |
Investor Activity (13F)
Updated Aug 28, 202613F holdings as of Mar 31, 2026 (Q1 2026)
Active managers (13F portfolio over $250M, at least 3 holdings) with a position over $5M that is either over 10% of their portfolio or held in a concentrated book of 50 or fewer total positions. Index/ETF, sovereign, bank, community-bank and charitable/donor-advised filers are excluded.
| Active Manager |
|---|
Industry Resources
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| Federal Reserve Economic Data |
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| FDIC Data |
| American Banker |
| The Banker |
| Banking Technology |
| Diversified Banks Resources |
| Retail Banker International |
| International Banker |
| Global Finance Magazine |
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| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
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