TFC logo

TRUIST FINANCIAL CORP

TFCNYSE
πŸ† #271 by market capEarnings Oct 16🏦Banking
$46.30β–Ό $0.79 (βˆ’1.71%)
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24hβ–Ό 1.7%
7dβ–Ό 3.7%
14dβ–Ό 8.3%
30dβ–Ό 8.2%
ytdβ–Ό 6.0%
1yβ–² 0.8%
🏦Market Cap
$56.56B
Mid Cap
πŸ“ˆRevenue Growth (YoY)
+58.2%
High Growth
πŸ“ŠGross Margin
β€”
πŸ’΅FCF Margin
17.8%
Healthy
βš–οΈP/S Ratio
1.8x
Cheap
Otter Score
92
Very Good

Trading Snapshot

Day Range
$45.68 – $47.17
52-Week Range
$40.78 – $56.20
Volume
$4.56B
Avg Volume
$3.08B
Shares Outstanding
1.22B
Next Earnings
Oct 29, 2026

Fundamentals Snapshot

Annual Revenue
$30.44B
Last Q Revenue
$7.61B
P/E Ratio
9.9
P/S Ratio
1.8x
EPS (TTM)
$4.60
Dividend Yield
5.04%
Dilution (1yr)
βˆ’3.6%

Why Investors Own TFC

  • βœ“High-growth profile β€” revenue up +35.3% YoY with expanding Banking exposure.
  • βœ“Healthy economics β€” 56% gross margin and 15% free-cash-flow margin.
  • βœ“Scale, deposit franchise, and rate environment support steady returns.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

TFC logo

TRUIST FINANCIAL CORP

TFC
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$30.4Bβ–² +25.5% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
62.2%β–² +32.3% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$6.3Bβ–Ό βˆ’1156.4% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$5.7Bβ–² +165.2% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
1.29Bβ–Ό βˆ’3.6% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
βˆ’$33.4Bβ–Ό βˆ’$10.9B YoY
StockOtter Β· stockotter.space

About TRUIST FINANCIAL CORP

Truist Financial Corporation operates as a diversified financial holding company, providing an extensive array of banking and trust services throughout the Southeastern and Mid-Atlantic regions of the United States. Its business activities are structured across three main segments: Consumer Banking and Wealth, Corporate and Commercial Banking, and Insurance Holdings. The corporation offers a broad spectrum of deposit products, including both interest-bearing and noninterest-bearing checking accounts, savings accounts, money market deposit accounts, certificates of deposit (CDs), and individual retirement accounts (IRAs). Beyond deposit services, Truist delivers a comprehensive suite of financial solutions. These include various lending options such as automobile, bankcard, consumer, home equity, mortgage, small business, and student loans, alongside specialized commercial financing for areas like floor plan, real estate, and mortgage warehousing, as well as lease and supply chain financing. The company also provides extensive wealth management and investment services, encompassing asset management, investment brokerage, private banking, capital markets, institutional trust, and private equity investment solutions. Further offerings include corporate and investment banking, securities underwriting, and advisory services. Additionally, Truist offers a wide range of insurance products, covering property and casualty, life, health, employee benefits, workers' compensation, professional liability, surety, and title insurance. Digital banking platforms (mobile and online), payment processing, international banking, merchant services, and treasury management are also integral parts of its service portfolio. Headquartered in Charlotte, North Carolina, Truist Financial Corporation was founded in 1872. As of December 31, 2021, the company maintained a substantial presence with 2,517 banking offices. The organization officially adopted its current name, Truist Financial Corporation, in December 2019, having previously operated as BB&T Corporation.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Very Good
92/100

Analyst Ratings

β“˜
Consensus
Hold
26 analysts
Strong Buy3
Buy6
Hold13
Sell3
Strong Sell1
Ratings as of Sep 2026

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