Truist Financial is one of the three super-regional banks in the US, with around $550 billion in assets as of the first quarter of 2026. Truist emerged from the combination of BB&T and SunTrust in 2019.
It is a $56.4B financial services company. Revenue grew 0.3% over the last year, and it keeps 18¢ of every dollar of sales as profit. It trades at 9.6× earnings — in the cheapest third of its own history.
- Website
- truist.com
- Location
- Charlotte, NC
- Employees
- 38 711
- Sector
- Financial Services
- Founded
- 1979
- Next earnings
- Oct 16, 2026 · in 4d
Skills
Six independent scores, 0–100, built from reported numbers and valuation history. Click a row to see how it was scored.
Strong valuation; Growth, Health, Quality and Moat lag behind.
Valuation80
- P/E vs own history31th pct · 20/25
- FCF yield10.3% · 25/25
- P/S1.8x · 25/25
- EV/EBITDAn/a · 10/25
Growth18
- Revenue CAGR7.2% · 12/25
- Net income CAGR-4.7% · 0/25
- EPS CAGR ~5Y4.4% · 6/25
- Fwd implied growth-1.9% · 0/25
Profitability62
- ROIC3.7% · 5/25
- ROE9.0% · 12/25
- Net margin18.1% · 20/25
- Operating margin29.1% · 25/25
Health25
- Altman Zn/a · 0/25
- Current ration/a · 0/25
- Interest coverageno interest expense · 25/25
- Net cash / debtn/a · 0/25
Quality39
- Piotroski F6/9 · 15/25
- Beneish M-2.11 · 12/25
- FCF conversionn/a · 0/25
- Margin stabilityσ 14.7% · 12/25
Moat30
- ROIC >12% years0/10 yrs · 0/25
- Median gross marginn/a · 0/25
- FCF-positive years3/3 yrs · 25/25
- Worst-year net marginworst -4.4% · 5/25
Experience
The company's career so far — founding, the IPO, landmark products and acquisitions, plus revenue milestones and insider buying.
- FY2021FinancialBest year on record$6.03B net income
- Aug 11, 2021ProductAnd for Truist overall, we provide diversification away from...credit businesses, so that we perform well throughout…
- FY2016FinancialFirst recorded profitable year$2.26B net income
- FY2016FinancialRevenue already above $10B$11.5B in first reported year
- FY2016FinancialPositive free cash flow every year since10-year streak
- 2015AcquisitionThe bank acquired Bank of Kentucky for $363 million
- 2012AcquisitionThe bank acquired BankAtlantic, and its $2.1 billion in loans and $3.3 billion in deposits
- 2003AcquisitionBB&T completed its acquisition of First Virginia Banks of Falls Church, Virginia
- 1993AcquisitionSouthern National announced the acquisition of First Savings Bank, FSB, headquartered in Greenville, South…
- 1979FoundedThe Carolina State Bank of Gastonia, started in 1971, became part of Southern National
- 1934MilestoneIt was reorganized on Valentine's Day 1934 as the First National Bank at Orlando
- 1920MilestoneIt became the First National Bank
- 1903IPOThe 1903 Branch Banking and Trust Company Building at Wilson was listed on the National Register of Historic Places…
- 1887AcquisitionAnd renamed the…
Achievements
Verifiable track record, straight from the reported numbers.
Strengths & watch-outs
What a bull and a bear would each point to. Both lists come from the reported numbers, not opinions.
Strengths
- Strong cash conversion — FCF is 19.0% of revenue
Watch-outs
- Loss-making in 1 of the recent years
Qualifications
The basics a company should meet before you research it further. Each check uses the reported numbers.
- Revenue growing — the company sells more than a year ago+0.3% YoY
- Profitable — makes more than it spends$5.53B TTM
- Profit growing — earnings are higher than last year-4.5% YoY
- Generates cash — cash left after running and investing$5.80B TTM
- Debt under control — could handle its obligationsno data
- Established company — not a micro-cap — lower blow-up risk$56.4B market cap
- Not printing shares — share count not ballooning — you keep your slice-4.1% shares over ~5y
- Proven track record — years of profitability behind it9/10 profitable years
- Financially stable — balance sheet not near distresshealth score 25/100
- Pays a dividend — returns cash to shareholdersyield 5.15%
- Valuation not extreme — price not wildly above earningsP/E 9.6
Peer comparisonTruist Financial Corporation vs 6 largest financial services peers — cap, P/E, growth and margin side by sideOpen ▾Close ▴
| Company | Market cap | P/E | Revenue growth | Net margin | Profile |
|---|---|---|---|---|---|
| TFC this company | $56.4B | 9.6 | +0.3% | 18.1% | Strained |
| BRK.A Berkshire Hathaway Inc. | $1.1T | 11.6 | +3.9% | 22.3% | Mixed |
| BRK.B Berkshire Hathaway | $1.1T | 11.6 | +0.0% | 18.0% | Strong |
| JPM JPMorgan Chase & Co. | $886.2B | 13.6 | +13.5% | 32.6% | Strained |
| V VISA Inc. | $723.9B | 31.9 | +14.4% | 50.8% | Solid |
| MA Mastercard Incorporated | $516.4B | 31.7 | +16.0% | 46.3% | Mixed |
| BAC Bank of America Corporation | $380.4B | 11.3 | +15.9% | 27.8% | Mixed |
Head-to-head: TFC vs BRK.A · TFC vs BRK.B · TFC vs JPM
References
What covering analysts publish about the company — information only, not a recommendation.
Appendix · Financial records
The full statements behind this CV, FY2016–FY2025. For readers who want to check the numbers.
Live data and quarterly detail: stockcv.com/TFC
Want the live picture — intraday moves, valuation history and full analysis?
Deeper analysis of TFC on PreMarketPriceFigures are derived from company filings (quarterly values normalised from as-filed year-to-date data where applicable) and may be delayed, restated or incomplete. This page is information, not investment advice. Latest price $46.19 · market cap $56.4B.