# Truist Financial Corporation (TFC) — Stock CV

Truist Financial Corporation 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.

> 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.

## Identity

- **Ticker**: TFC
- **Sector**: Financial Services
- **Industry**: National Commercial Banks
- **Headquarters**: CHARLOTTE, NC
- **Employees**: 38 711
- **Website**: https://www.truist.com
- **Market cap**: $56.4B
- **Last price**: $46.19
- **Financial profile**: Strained

## Vitals (TTM)

- **Revenue**: $30.5B
- **Net income**: $5.53B
- **Free cash flow**: $5.80B
- **P/E**: 9.6
- **Revenue growth (YoY)**: 0.3%

## Skills (profile scores, 0–100)

| Pillar | Score |
|---|---|
| Valuation | 80 |
| Growth | 18 |
| Profitability | 62 |
| Health | 25 |
| Quality | 39 |
| Moat | 30 |

## Qualifications (beginner checklist) — 8 of 10 passed

- [x] Revenue growing — +0.3% YoY
- [x] Profitable — $5.53B TTM
- [ ] Profit growing — -4.5% YoY
- [x] Generates cash — $5.80B TTM
- [x] Established company — $56.4B market cap
- [x] Not printing shares — -4.1% shares over ~5y
- [x] Proven track record — 9/10 profitable years
- [ ] Financially stable — health score 25/100
- [x] Pays a dividend — yield 5.15%
- [x] Valuation not extreme — P/E 9.6

## Experience (career milestones)

- **FY2021** — Best year on record: $6.03B net income
- **Aug 11, 2021** — And for Truist overall, we provide diversification away from...credit businesses, so that we perform well throughout…
- **FY2016** — First recorded profitable year: $2.26B net income
- **FY2016** — Revenue already above $10B: $11.5B in first reported year
- **FY2016** — Positive free cash flow every year since: 10-year streak
- **2015** — The bank acquired Bank of Kentucky for $363 million
- **2012** — The bank acquired BankAtlantic, and its $2.1 billion in loans and $3.3 billion in deposits
- **2003** — BB&T completed its acquisition of First Virginia Banks of Falls Church, Virginia
- **1993** — Southern National announced the acquisition of First Savings Bank, FSB, headquartered in Greenville, South…
- **1979** — The Carolina State Bank of Gastonia, started in 1971, became part of Southern National
- **1934** — It was reorganized on Valentine's Day 1934 as the First National Bank at Orlando
- **1920** — It became the First National Bank
- **1903** — The 1903 Branch Banking and Trust Company Building at Wilson was listed on the National Register of Historic Places…
- **1887** — And renamed the…

## Strengths

- Strong cash conversion — FCF is 19.0% of revenue

## Watch-outs

- Loss-making in 1 of the recent years

## Track record

| Year | Revenue | Net income | Free cash flow |
|---|---|---|---|
| FY2021 | $23.1B | $6.03B | $7.45B |
| FY2022 | $25.4B | $5.93B | $10.5B |
| FY2023 | $33.2B | -$1.45B | $8.63B |
| FY2024 | $24.3B | $4.47B | $2.16B |
| FY2025 | $30.4B | $4.97B | $5.74B |

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Source: https://stockcv.com/TFC — derived from company filings; may be delayed or incomplete. Information, not investment advice.