Truist Financial (TFC) Stock Analysis
NYQ · Financial Services · Banks - Regional
$47.35
-0.31 (-0.65%)
TFC Interactive Price Chart & Trading Signals
TFC Stock Snapshot — Valuation, Risk & Technical Signals
TFC Key Fundamentals, Analyst Targets & Company Profile
Key Financial Ratios
Market Cap
$57.84B
P/E Ratio
10.89
Forward P/E
9.52
PEG Ratio
1.08
P/B Ratio
0.99
EPS
$4.35
Dividend Yield
4.36%
52W Range
$40.78 – $56.20
Beta
0.86
Volume
0.4M
ROE
9.1%
Profit Margin
30.7%
Revenue Growth
8.2%
Gross Margin
—
EV/EBITDA
—
Analyst Target
$54.90
The trailing price-to-earnings ratio stands at 10.9x. Forward P/E of 9.5x implies earnings expansion expected. Price-to-book is 0.99x. Market capitalization is $57.84B. Revenue is growing at 8.2% on a trailing basis. Earnings are expanding at 36.7%. Profit margins are 30.7%. Return on equity is 9.1%. Beta of 0.86 indicates market-average volatility.
Analyst Consensus
Recommendation
Hold
Low Target
$45.00
Mean Target
$54.90
High Target
$61.00
Based on 18 analysts
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.
TFC Deep Dive Analysis
Bottom Line
Verdict
OvervaluedBest for
General investorWatch out for
Premium valuationNon-zero inputs
4/5Counts non-zero values for price, P/E, beta, macro risk, and revenue growth; zero may mean unavailable or be a genuine zero.
Truist Financial Corporation (TFC) trades above our multi-model fair value estimate of $38.07 by approximately 19.6%. Trailing P/E: 10.9x. Profitability signals include profit margin of 30.7% and return on equity of 9.1%. Recent growth metrics show revenue growth of 8.2% and earnings growth of 36.7%. Risk profile: beta of 0.86. Consensus: hold.
Valuation, Growth & Risk
Valuation
Overvalued
P/E 10.9x
Price is above what fundamentals suggest.
Growth
Expanding
Rev 8.2%
Revenue is outpacing the market.
Valuation Snapshot
Truist Financial Corporation (TFC) trades above our multi-model fair value estimate of $38.07 by approximately 19.6%. The trailing price-to-earnings ratio stands at 10.9x. Forward P/E of 9.5x suggests earnings compression ahead. Price-to-sales is 3.0x. Price-to-book is 1.0x. Market capitalization is $57.84B.
Why it matters: Paying a premium works only if the company keeps growing faster than expected.
Growth & Profitability
Revenue is growing at 8.2% on a trailing basis. Earnings are expanding at 36.7%. Profit margins are 30.7%. Return on equity is 9.1%. Return on assets is 1.1%.
Why it matters: Growing revenue with healthy margins usually means the business is gaining market share or pricing power.
Risk Profile
Beta of 0.86 indicates market-average volatility. Net debt position is $22.83B.
Why it matters: Lower risk means steadier returns, but often with less upside in bull markets.
Analyst Context
Analyst consensus target of $54.90 implies 15.9% upside. Target range spans $45.00 to $61.00. 18 analysts cover the stock. Consensus recommendation: hold.
Why it matters: Analyst targets reflect what professionals expect over 12 months. A wide gap between price and target can mean the market disagrees with the consensus.
Investor Fit
Free cash flow yield of 9.9% is attractive for cash-flow-focused investors.
Takeaway: Match the stock's risk-reward profile with your own goals and time horizon. No single metric tells the whole story.
Data Methodology & Sources
Market Data (Facts)
- Price, volume, and market cap: Yahoo Finance (may be delayed)
- P/E, EPS, revenue, and debt: Yahoo Finance fundamentals
- Analyst estimates: Yahoo Finance (coverage and update times vary)
- Insider transactions: Yahoo Finance (reporting may be delayed)
QuantSoar Model (Derived)
- Fair value: available outputs from seven models; outliers are filtered using MAD (k=3.5), then combined with fixed model weights.
- Margin of Safety = (Fair Value − Displayed Price) / Displayed Price × 100
- Composite Score: 40% Value + 30% Momentum + 30% Risk
- Verdict Gauge: Base 50 + Valuation (up to ±25) + Whale sentiment (up to ±10) + Insider buying (+5) + Macro risk (up to ±10) + Technical signal (up to ±10). Analyst consensus is separate.
Model outputs are estimates based on available data and are not investment advice. Cross-check with primary sources before making investment decisions.
TFC Overvalued
Truist Financial Corporation (TFC) trades above our multi-model fair value estimate of $38.07 by approximately 19.6%.
Frequently Asked Questions
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About the Author
Phasakorn Traklang (Peach) — Founder
Phasakorn Traklang (Peach) is the founder of QuantSoar, bringing expertise in SEO, web development, and technical analytics to build an AI-powered investment platform accessible to retail investors worldwide.
Connect on LinkedInInvestment Disclaimer: Tax treatment can depend on tax residence, account type, and tax year. This information is general and is not personal tax or investment advice. SEC
Data: Yahoo Finance / SEC EDGAR / Alpha Vantage / Finnhub. AI outputs verified against source data.