Truist Financial Corporation

Truist Financial Corporation

TFC

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Market Cap$65.41B
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Compare to Similar Companies

P/E RatioDividendsReturn on EquityPrice-to-SalesDebt-to-Equity
Truist Financial CorporationTruist Financial Corporation12.93.96%9%2.21.1

Earnings Call Q2 2026

July 17, 2026 - AI Summary

Strong profitability and improving returns (core “good”): - Q2 2026 GAAP net income available to common: $1.5B ($1.23 EPS), +37% YoY (vs Q2’25) and +13% vs Q1’26. - Operating leverage: +300 bps+ YoY operating leverage. - ROTC(E)/capital efficiency: ROTC(E) rose +310 bps YoY to 15.4%. Management says the company remains on track for its full-year return objectives.
Segment momentum and strategy execution (good + opportunity): - CSBB: loans +2% YoY (production slowed in less strategic/less profitable categories), deposits +2% YoY driven by +39% new-to-bank deposits; Premier Banking strong (+20% new deposit production, +23% advisor productivity, +9% financial planning activity). - Digital: active mobile users +4% YoY to 5.4M, digital transaction volume +7% YoY to 93M, ~85% of logins via mobile; Truist Assist nearly 2M engagements (+60% YoY)—supports both client experience and efficiency. - Wholesale: deposits +6% YoY (excluding large M&A-related last-year comps), loans +8% YoY; fee income outpaced balance sheet growth with advisory revenue +27% YTD and investment banking/trading +72% YoY in Q2 (per prepared remarks).
Guidance updated: revenue slightly down, fees up, NII pressured (bad/surprising trade-off): - NII outlook reduced: management now expects NII to increase ~1%–1.5% in 2026 (down from prior 2%–3%). - Revenue growth guidance cut slightly: 3.5%–4% vs prior ~4% expectation (reflects NII headwinds). - Non-interest income outlook raised: ~10% growth (up from high single digits previously), supported by fee businesses momentum.

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$55.38

Target Price by Analysts

8.2% upsideTruist Financial Target Price DetailsTarget Price
$95.01

Current Fair Value

85.6% upside

Undervalued by 85.6% based on the discounted cash flow analysis.

Share Statistics

Market cap$65.41 Billion
Enterprise Value$130.56 Billion
Dividend Yield$2.08 (3.96%)
Earnings per Share$3.86
Beta0.88
Outstanding Shares1,224,867,000

Return

Return on Equity8.78%ROE
Return on Assets1.01%
Return on Invested Capital0.97%

Valuation & Multiples

P/E Ratio12.87P/E Ratio
PEG50.98PEG
Price to Sales2.23Price to Sales
Price to Book Ratio0.98Price to Book Ratio
Enterprise Value to Revenue4.53
Enterprise Value to EBIT25.52
Enterprise Value to Net Income23
Total Debt to Enterprise0.54
Debt to Equity1.09Debt to Equity

Revenue Sources

No data

Insider Trades

Last Earnings Call

Report Date
July 17, 2026
EPS Estimate
$1.08
Average shareholder expectation
Revenue Estimate
$5.24 B
Average shareholder expectation

Next Earnings Call

Expected Date
October 16, 2026
EPS Estimate
$1.11
Average shareholder expectation
Revenue Estimate
$5.34 B
Average shareholder expectation

Institutional Put/Call Ratio

Market sentiment based on institutional option activity.

Put/Call Ratio0.0000 123.34%
Total Calls- 100.00%
Total Puts- 100.00%

Institutional Ownership

Holdings and activity of institutional investors.

Ownership %1.82% 71.85%
Total Invested$1.00B 97.65%
Investors Holding361 1343.00%

ESG Score

No data

About Truist Financial Corporation

53,638 employees

Relevant Senate Committees

Joint Committee on Taxation

This committee provides the crucial 'revenue estimates' and technical analysis for all tax legislation. Its influence on corporate tax structures, capital investment credits, and the overall tax burden directly impacts Truist Financial's profitability and the financial markets it operates within.

Finance

As the most powerful economic committee, it controls taxation and trade policy. Changes in corporate tax rates, capital gains, and international trade agreements directly impact Truist Financial's profitability, capital structure, investment decisions, and the economic environment for its clients.

Appropriations

This committee allocates discretionary federal spending, directly determining cash flow for defense programs, scientific research, and infrastructure projects. This directly affects the financial health of numerous client sectors, influencing Truist Financial's lending opportunities and portfolio performance.

Agriculture, Nutrition, and Forestry

This committee oversees the CFTC, which regulates the massive derivatives/futures market, directly impacting financial institutions engaged in these products. It is also a key player in defining cryptocurrencies as digital commodities, a critical emerging regulatory area for banks.

Banking, Housing, and Urban Affairs

This is the primary regulatory committee for the financial system. It directly oversees the Federal Reserve, SEC, and HUD, and is responsible for bank capital requirements, cryptocurrency regulation, and real estate markets—all core to Truist Financial's business operations and profitability.

Small Business and Entrepreneurship

This committee oversees the Small Business Administration (SBA). Its policies directly impact SBA loan programs, which are a significant component of commercial lending for banks like Truist Financial, influencing capital flow to small enterprises.

Budget

This committee's drafting of the budget resolution significantly influences the macroeconomic environment, sovereign debt levels, and overall government spending. These factors are fundamental to financial stability, interest rates, and the operating environment for Truist Financial.