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Truist Financial (TFC)

Financials · NYSE · US

$53.25+8.39% today

Fundamentals

Market cap$64.37B
P/E ratio12.8
Dividend yield4.03%
Revenue growth (YoY)+5.2%
Profit margin29.6%
Return on equity8.6%
52-week range$40.78 to $56.20
Next earnings2026-07-17

Valuation and ratings

DCF fair value$113.67
Upside to fair value+113.5%
Analyst target (mean)$55.10
Analyst range$45.00 to $61.00
Analysts covering18
Consensus viewhold
Moat score46/100
Overall rating75/100, Strong Buy

Truist Financial trades at $53.25, which is 113% below the $113.67 our discounted cash flow model puts on the business. On that measure alone it screens as undervalued, though a DCF is an argument rather than a measurement, and the market is frequently right about why something is cheap.

Our moat model scores it 46 out of 100, which is a moat, but not a deep one. A moat is a structural reason competitors cannot take the profits away, and it matters more to a long holding period than any single quarter's numbers do.

It changes hands at 12.8 times earnings. Be careful reading that in isolation: for a cyclical business a low P/E arrives at the top of the cycle, when profits are peaking and about to fall, which is exactly when the shares look cheapest and are not.

About Truist Financial

Truist Financial Corporation, a financial services company, provides banking and trust services in the Southeastern and Mid-Atlantic United States. The company operates through two segments, Consumer and Small Business Banking; and Wholesale Banking. 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; credit card lending; home equity and mortgage lending; other direct retail lending; home mortgage lending; Investment brokerage services; mobile/online banking; payment solutions; point-of-sale lending; retail and small business deposit products; and small business lending. In addition, it offers asset-based lending, commercial deposit and treasury services; commercial lending; floor plan lending; derivatives; institutional trust services; insurance premium finance; international banking; investment banking and capital markets services; leasing; merchant services; mortgage warehouse lending; real estate lending; supply chain financing; and wealth management/private banking. 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.

Industry: Banks - RegionalEmployees: 37,877HQ: United States

TFC passes 6 of our 30 screens today

Each screen prints the exact criteria it used, and the circumstances in which it is wrong.

Undervalued on cash flow
Companies trading at least 25% below what our discounted cash flow model says the future cash is worth today.
Dividend powerhouses
Yields above 3%, filtered for the one thing yield screens never check: whether the company can actually afford it.
Growing dividend payers
A modest yield attached to a growing business beats a large yield attached to a shrinking one, every time, over any horizon that matters.
Highest conviction
The best overall scores in our universe, restricted to companies where we actually hold enough data to have an opinion worth reading.
Banks and financials
Almost everything you know about valuation breaks on a bank. Debt is the raw material, and the loan book is where they die.
Dividend aristocrats
Companies with long, unbroken records of raising their dividend. The record is the point: it is evidence, not a promise.

Smart money ownership

19 of the funds we track reported a position in their latest SEC 13F filing. Largest first:

A word of warning on reading these figures: a 13F reports the market value of a holding, so a fund that traded nothing at all still appears to have sold when the price fell. We found 102 companies where the standard reading gives the opposite answer. Only the share count is honest.

Common questions

Is Truist Financial (TFC) undervalued?

Against our discounted cash flow estimate of $113.67, TFC at $53.25 is 113% below fair value. That is one model's answer, not a recommendation, and most of a DCF's output sits in a terminal value nobody can forecast.

Which funds own TFC?

19 of the institutions we track reported a position in TFC in their most recent SEC 13F filing. A 13F is filed up to 45 days after quarter end, so it tells you what a fund held then, not what it holds now.

What is TFC's P/E ratio?

TFC trades at 12.8 times earnings. A low P/E is not automatically cheap: on a cyclical company it is usually a warning that earnings are at a peak.

The full research page for TFC, with financial statements, ownership detail, peer comparison and alerts, is free inside the app.

Open TFC in the appFree guides and screens

Data from company filings, exchange quotes and SEC EDGAR 13F disclosures. Quotes are delayed. Metrics we do not have are left out rather than estimated. Educational information, not financial advice.