Truist Financial Corporation (TFC) Stock

Truist Financial Corporation (TFC) is a Financials stock trading at $52.51 (as of 2026-07-17), with a market capitalization of $65.42B and a trailing P/E of 11.8. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

Truist Financial Corporation is a holding company that provides banking and trust services, operating through segments that include Consumer Banking and Wealth, Corporate and Commercial Banking, and Insurance Holdings. It offers deposit accounts, lending and financing, asset and wealth management, investment brokerage, and a range of insurance and related services to customers in the Southeastern and Mid-Atlantic United States.

Understand Truist Financial Corporation: how it makes money

Truist Financial provides banking and trust services, plus insurance, using deposits and lending (Consumer Banking and Wealth, Corporate and Commercial Banking, and Insurance Holdings) to generate revenue from banking and insurance activity.

Truist’s profit model is structurally tied to how it funds lending and related services through a diverse deposit base (including noninterest-bearing and interest-bearing checking, savings, money market deposits, and CDs/IRAs), while also earning from trust and insurance activities.

Business quality (Mixed): Clear business segments are described, but segment-level revenue figures are not provided here, so investor takeaway is limited to company-level and revenue-based operational labels.

Valuation: At 12× earnings, TFC trades in line with the Banking average (13×). Note: one-time items can distort reported P/E.

Bull case

  • Multiple lines of business: Truist operates through Consumer Banking and Wealth, Corporate and Commercial Banking, and Insurance Holdings, which can spread performance across banking and insurance activity.
  • Diversified deposit platform: Its deposit products include both noninterest-bearing and interest-bearing checking, savings, money market deposit accounts, and certificates of deposit and IRAs, supporting a funding base for lending and related services.

Bear case

  • Revenue sensitivity to funding and lending conditions: Because the company’s activities include taking deposits and providing funding through lending and related services, changes in the economics of these activities can affect results.
  • Less visibility without segment revenue detail: With segment-level revenue values not provided here, it is harder to pinpoint which segment is driving changes in taxable equivalent revenue.
Valuation — source: SEC EDGAR (first-party)
Price$52.51
Market Cap$65.42B
P/E Ratio11.8
EV / EBITDA15.1
Price / Book1.02
Price / Sales2.68
DCF Value (model)$44.07
DCF Upside vs Price-16.1%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$24.54B
Net Margin21.6%
Revenue Growth (YoY)-2.2%
EPS Growth (YoY)25.0%
Valuation vs Sector & Industry
Stock P/E11.8
Sector P/E (Financials)15.5
Industry P/E (Banking)13.5
vs Sector-23.7%
vs Industry-12.4%
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderVANGUARD GROUP INC ($5.89B)
Institutional Holders Tracked10
Congressional Trades (recent)10
Company
SectorFinancials
IndustryBanking
CEOWilliam Henry Rogers Jr.
Employees37,529
CountryUS
IPO Date1980-03-18

Related Companies (Business model: Universal / Commercial Bank; 8 closest by market cap; US-domiciled)

  • Wells Fargo & Company (WFC)
  • Citigroup Inc. (C)
  • Capital One Financial Corporation (COF)
  • The PNC Financial Services Group, Inc. (PNC)
  • U.S. Bancorp (USB)
  • Huntington Bancshares Incorporated (HBAN)
  • Regions Financial Corporation (RF)
  • KeyCorp (KEY)
TFC earnings history · TFC institutional & insider holders · TFC KPIs & operating metrics · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-07-17.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.