Stocks · Financial Services · Banks - Regional
Truist Financial Corporation TFC
$46.45 +0.37% Close, Oct 2, 2026 · NYSE · Market cap $57.87B
Next earnings report: Oct 16, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Net debt is 9.0× EBITDA, a high level of leverage.
- The diluted share count fell 5.1% in a year, mainly through buybacks.
- Diluted EPS over the last four quarters was $4.22, up 15.0% year over year.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
Growth19Very weak
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 28%
- EPS growth (TTM, YoY)Bottom 45%
- FCF growth (TTM, YoY)Top 32%
- Revenue growth, 3-year CAGRBottom 34%
- Revenue growth accelerationBottom 5%
Quality30Weak
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 45%
- Gross marginBottom 48%
- Operating marginTop 49%
- Cash conversion (OCF / net income)Bottom 37%
- Accruals (lower is better)Bottom 34%
- Net debt / EBITDA (lower is better)Bottom 15%
- Interest coverBottom 38%
Value67Positive
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 24%
- Free-cash-flow yieldTop 36%
- EBITDA / enterprise valueBottom 46%
- Sales / enterprise valueBottom 35%
- P/E vs own 5-year history (lower is better)Top 27%
Momentum26Very weak
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 47%
- 6-month returnBottom 18%
- 1-year return vs S&P 500Bottom 38%
- Distance from 52-week highBottom 29%
- Trend checklist (0–4)Bottom 27%
Revisions61Neutral
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 50%
- Consecutive EPS beatsTop 42%
- Share of analysts rating BuyTop 47%
- Upside to consensus price targetTop 42%
Stability26Very weak
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 45%
- Maximum drawdown, 3 yearsTop 46%
- Beta vs S&P 500 (lower is better)Bottom 16%
- Net debt / EBITDA (lower is better)Bottom 15%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 26.9% | 0.3% | ↓ |
| EPS growth (YoY) | 14.7% | 15.0% | ↑ |
| Gross margin | 59.7% | 64.0% | ↑ |
| Operating margin | 20.8% | 22.3% | ↑ |
| FCF margin | 13.0% | 19.0% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 0.3% | 26.9% | ↓ | Bottom 28% |
| EPS growth (TTM, YoY) | 15.0% | 14.7% | ↑ | Bottom 45% |
| Gross margin | 64.0% | 59.7% | ↑ | Bottom 48% |
| Operating margin | 22.3% | 20.8% | ↑ | Top 49% |
| Net margin | 19.1% | 17.2% | ↑ | — |
| Free-cash-flow margin | 19.0% | 13.0% | ↑ | — |
| Return on invested capital | 1.1% | — | Bottom 45% | |
| Revenue growth, 3-year CAGR | 10.9% | — | Bottom 34% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 0.99×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- 0.0%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.0%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -100.3 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 8.96×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.7×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 4.50%
- Net buyback yield (TTM)
- 6.19%
- Shareholder yield
- 10.69%
- Share count change, 1 year
- -5.1%
- Share count change, 3-year CAGR
- -2.5%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Jul 31, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 2
- Beats in the last 8 reports
- 5 of 8
- Average EPS surprise, last 4
- +4.9%
- Average 2-day reaction, last 8
- +0.8%
- Positive 20 days after report
- 5 of 8
Analysts
- Consensus price target
- $54.86
- Target vs current price
- +18.1%
- Analysts with a rating
- 54
- Share rating Buy or Strong Buy
- 50%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 17, 2026 | +13.9% | -1.4% | -3.8% | -0.5% | — |
| Apr 17, 2026 | +9.3% | +2.3% | +4.0% | -4.7% | +5.1% |
| Jan 21, 2026 | -8.3% | +1.8% | +3.6% | +7.2% | +0.6% |
| Oct 17, 2025 | +4.5% | +3.7% | +6.1% | +10.3% | +20.9% |
| Jul 18, 2025 | -1.4% | -1.7% | +1.0% | -0.1% | -6.0% |
| Apr 17, 2025 | -0.3% | -0.3% | +5.3% | +14.4% | +23.2% |
| Jan 17, 2025 | +3.4% | +5.9% | +4.5% | +4.1% | -19.6% |
| Oct 17, 2024 | +6.6% | -3.5% | -2.4% | +4.4% | -1.4% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 17, 2026 | $1.23 | $1.08 | +13.9% | $5.31B |
| Apr 17, 2026 | $1.09 | $1.00 | +9.3% | $5.20B |
| Jan 21, 2026 | $1.00 | $1.09 | -8.3% | $5.29B |
| Oct 17, 2025 | $1.04 | $1.00 | +4.5% | $5.19B |
| Jul 18, 2025 | $0.91 | $0.92 | -1.4% | $4.99B |
| Apr 17, 2025 | $0.87 | $0.87 | -0.3% | $4.90B |
| Jan 17, 2025 | $0.91 | $0.88 | +3.4% | $5.06B |
| Oct 17, 2024 | $0.97 | $0.91 | +6.6% | $5.08B |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 11.0× | 11.9× | 29th | Top 24% |
| P/E (forward) | 9.9× | — | — | — |
| EV / EBITDA | 16.9× | — | — | Bottom 46% |
| EV / Sales | 4.03× | — | — | Bottom 35% |
| Free-cash-flow yield | 10.02% | — | — | Top 36% |
| Earnings yield | 9.09% | — | — | Top 24% |
P/E over the past five years
Range 7.0× – 15.2× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +1.9%
- Earnings per share growth (TTM)
- +15.0%
- Change in P/E multiple
- +3.1%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -2.2%
- 200-day average slope (20 days)
- +0.3%
- Distance from 50-day average
- -7.8%
- Distance from 200-day average
- -6.7%
- RSI (14)
- 31.8
- Relative volume
- 1.17×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 19.7%
- Volatility vs own 5-year history
- 3th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 1.11
- Correlation with S&P 500
- 0.60
- Current drawdown from 1-year high
- -16.8%
- Maximum drawdown, 3 years
- -27.7%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Jan 14, 2022 | May 4, 2023 | -61.1% | 326 days | Not yet recovered |
| May 27, 2021 | Jul 19, 2021 | -16.0% | 35 days | 65 days (Oct 19, 2021) |
| Nov 3, 2021 | Dec 20, 2021 | -14.5% | 32 days | 14 days (Jan 10, 2022) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $57.87B
- P/E (TTM)
- 11.0
- EPS, diluted (TTM)
- $4.22
- Revenue (TTM)
- $30.52B
- Dividend yield
- 4.48%
- 52-week range
- $40.78 – $56.20
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $23.06B | $22.29B | $29.95B | $24.25B | $30.44B |
| Gross profit | $23.11B | $19.20B | $17.91B | $11.41B | $18.94B |
| Operating income | $7.99B | $7.03B | -$765.0M | -$601.0M | $6.35B |
| Net income | $6.44B | $6.26B | -$1.09B | $4.82B | $5.31B |
| EPS (diluted) | $4.47 | $4.43 | -$1.09 | $3.36 | $3.82 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $7.83B | $7.65B | $7.38B | $7.55B | $7.84B | $7.66B | $7.41B | $7.61B |
| Net income | $1.44B | $1.28B | $1.26B | $1.24B | $1.45B | $1.35B | $1.48B | $1.55B |
| EPS (diluted) | $0.99 | $0.91 | $0.87 | $0.90 | $0.90 | $1.00 | $1.09 | $1.23 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $7.89B | $11.08B | $8.63B | $2.16B | $5.74B |
| Capital expenditure | -$442.0M | -$564.0M | $0 | $0 | $0 |
| Free cash flow | $7.45B | $10.52B | $8.63B | $2.16B | $5.74B |
| Dividends paid | -$2.48B | -$2.66B | -$2.77B | -$2.77B | -$2.67B |
| Net share buybacks | -$3.03B | -$250.0M | $0 | -$1.75B | -$2.50B |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $4.71B
- Total assets
- $556.02B
- Total liabilities
- $491.93B
- Total debt
- $69.86B
- Net debt
- $65.15B
- Shareholders’ equity
- $64.09B
As of Jun 30, 2026 (filed Jul 31, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 14, 2026 | $0.52 | Sep 1, 2026 |
| May 8, 2026 | $0.52 | Jun 1, 2026 |
| Feb 13, 2026 | $0.52 | Mar 2, 2026 |
| Nov 14, 2025 | $0.52 | Dec 1, 2025 |
| Aug 8, 2025 | $0.52 | Sep 2, 2025 |
| May 9, 2025 | $0.52 | Jun 2, 2025 |
| Feb 14, 2025 | $0.52 | Mar 3, 2025 |
| Nov 8, 2024 | $0.52 | Dec 2, 2024 |
Short interest
- Shares sold short
- 26,367,331
- Days to cover
- 4.35
- Change vs previous report
- +2.7%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Aug 4, 1998
- 2-for-1
- Jul 3, 1989
- 3-for-2
- Jun 23, 1987
- 3-for-2
- Apr 29, 1985
- 2-for-1
- Jul 1, 1983
- 5-for-4