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Research & education only — not financial advice. EDGAR is not a registered investment adviser; calls are impersonal, generated from SEC filings and a delayed/third-party price feed, and may be wrong or out of date. The operator and an affiliated trading operation may hold or trade the securities EDGAR rates — see Disclosures. Do your own research.

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Home›Stocks›TFC-PI

TFC-PI

TRUIST FINANCIAL CORP

Last earnings -0.8% on 2026-04-17

Hold
$17.85
▼ -1.76%
$17.85▼ -7.46%
over 1Y
L $17.85EODHDH $21.79
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today-1.8%
1W-3.4%
1M-9.8%
3M-3.5%
YTD-7.9%
1Y-7.5%
OverviewFinancialsValuationQualityTimelineFilings
Rating
Hold
Quality
B-
Valuation
Undervalued
Filings
Watch
Hold
Conviction
Horizon
Medium (3–12mo)

Undemanding valuation (P/E 4.7).

Return on equity 8.1% · latest

The read

Middling fundamentals offset by an attractive price (~392% below fair value) — worth a look on the value angle.

TRUIST FINANCIAL CORP shows limited reported revenue, and 8.1% ROE.

Supporting the case: undemanding valuation (P/E 4.7).

Financials · annual, by fiscal year

Line itemFY21FY22FY23FY24FY25
Revenue—————
Gross profit—————
Operating income—————
Net income$6.44B$6.27B-$1.05B$4.84B$5.31B
Diluted EPS$4.47$4.43-$1.09$3.36$3.82
Net margin—————

Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.

Key statistics

Valuation

Enterprise value—
EV / EBITDA—
EV / Sales—
EV / FCF—
P / FCF4.3
PEG (trailing)0.48
Earnings yield23.8%
FCF yield23.2%

Quality & risk

ROIC (est.)—
Free cash flow$5.17B
Total debt$69.8B
Net cash-$33.4B
Piotroski F-Score5/6

Capital returns

Buyback yield11.2%
Dividend yield (est.)12.0%
Shareholder yield23.2%
Shares Δ YoY-4.3%

Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.

Disclosure timeline

SEC · 8-Ks + reports
Some governance/structural items recently, but no outright red flags.
  1. 8-K Officer / director change2026-06-15
  2. 8-K Officer / director change2026-06-08
  3. 8-K Material event2026-05-15
  4. 8-K Officer / director change2026-05-01
  5. 10-Q Quarterly report2026-05-01
  6. 8-K Other event2026-04-23
  7. 8-K Earnings results2026-04-17
  8. DEF 14A Proxy statement2026-03-16
  9. 10-K Annual report2026-02-24

Recent filings

all on EDGAR ↗
11-KPeriod ending 2025-12-312026-06-25open ↗S-8Filing2026-06-24open ↗8-KPeriod ending 2026-06-122026-06-15open ↗3Period ending 2026-06-052026-06-11open ↗8-KPeriod ending 2026-06-052026-06-08open ↗4Period ending 2026-06-012026-06-03open ↗8-KPeriod ending 2026-05-132026-05-15open ↗SCHEDULE 13G/AFiling2026-05-14open ↗424B5Filing2026-05-13open ↗FWPFiling2026-05-12open ↗424B3Filing2026-05-12open ↗SCHEDULE 13G/AFiling2026-05-06open ↗

Quality score

B-
ValueGrowthProfitHealthMom.
ValueA+
GrowthB
ProfitabilityB-
Financial healthA-
MomentumF
  • ✓Profitable (positive net income)
  • ✗Return on equity above 15%
  • ✓P/E below 25

Fair value est.

$87.76

Undervalued +392% vs price

cheapfair valueexpensive

Modified Graham: EPS $3.82 × (8.5 + 1.5 × 9.6% growth) × 1.00 quality = 23.0× multiple. An estimate, not a price target.

17.8552-week21.79
Revenue
—
Net margin
—
ROE
8.1%
P/E
4.7

SEC fundamentals · FY 2025

'21'22'23'24'25

■ revenue · ■ net income, by fiscal year

Net income$5.31B+9.6%
Diluted EPS$3.82+13.7%
Cash & equivalents$36.4B-8.5%
Total assets$548B+3.1%
Total liabilities$482B+3.2%
Stockholders' equity$65.2B+2.4%
L/E: 7.40x

Frequently asked

Is TRUIST FINANCIAL CORP (TFC-PI) a buy?
TFC-PI currently carries a Hold rating with 3/5 conviction, derived from its latest SEC filings. Undemanding valuation (P/E 4.7).
What is TFC-PI's fair value?
A Modified-Graham model based on TFC-PI's SEC fundamentals estimates a fair value of about $87.76. It is an estimate from reported earnings, not a price target.
Is TFC-PI overvalued or undervalued?
Against a Modified-Graham fair-value estimate, TFC-PI currently appears undervalued relative to its SEC-grounded earnings power.
What is TRUIST FINANCIAL CORP's quality score?
TFC-PI scores 67.98582828838745/100 (grade B-) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.

Sources: SEC EDGAR (CIK 0000092230, latest 10-Q filed 2026-05-01) · EODHD · as of 7/1/2026, 8:30:36 AM.

Research and education only — not financial advice. EDGAR is not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities EDGAR rates; see Disclosures. Past performance does not guarantee future results. Do your own research.

Insider activity

Form 4 · SEC
2026-06-01
Bender Bradley D
Chief Risk Officer
Exercise16.1K
2026-06-01
Bender Bradley D
Chief Risk Officer
Tax9.12K @ $46.87$427K
2026-03-13
Wilson Donta L
Chief Consumer & SB BK Officer
Tax10.2K @ $43.83$447K
2026-03-13
Stengel Scott A
Chief Legal Officer
Tax3.00K @ $43.83$132K
2026-03-13
ROGERS WILLIAM H JR
Chairman and CEO
Tax32.9K @ $43.83$1.44M
2026-03-13
Powell Cynthia B
Corp. Controller & CAO
Exercise1.93K
2026-03-13
Powell Cynthia B
Corp. Controller & CAO
Tax2.48K @ $43.83$109K
2026-03-13
Maguire Michael Baron
Chief Financial Officer
Tax7.95K @ $43.83$348K
2026-03-13
Lesher Kristin
Chief Whlse Banking Officer
Tax7.43K @ $43.83$326K
2026-03-13
Bender Bradley D
Chief Risk Officer
Exercise803.00
2026-03-13
Bender Bradley D
Chief Risk Officer
Tax437.00 @ $43.83$19.2K
2026-03-13
Bender Bradley D
Chief Risk Officer
Exercise2.90K

Dividends

Quarterly
Yield (TTM)
6.7%
Annual / share
$1.20
Last ex-date
2026-05-08
Last amount
$0.28
ex 2026-05-08paid 2026-06-15$0.28
ex 2026-02-13paid 2026-03-16$0.29
ex 2025-11-14paid 2025-12-15$0.31
ex 2025-08-08paid 2025-09-15$0.32
ex 2025-05-09paid 2025-06-16$0.32
ex 2025-02-14paid 2025-03-17$0.33

Source: EODHD. Yield = trailing-12-month dividends ÷ price.

Earnings history

beat/miss · move
2026-04-17—▼ -0.77%8-K ↗
2026-01-21—▲ +0.40%8-K ↗
2025-10-17—▲ +1.85%8-K ↗
2025-07-18—▼ -0.05%8-K ↗
2025-04-17—▲ +1.41%8-K ↗
2025-01-17—▼ -0.18%8-K ↗

Dates from 8-K (Item 2.02); beat/miss = reported EPS vs consensus (Finnhub, recent quarters); move = prior close → close on/after.

Recent news

market news →
Stocks trade higher at the open, regional bank stocks rally
finance.yahoo.com· 2023-03-27
Inspiring Conversations: Truist Foundation and Miami Bayside Foundation Connect on Removing Barriers for BIPOC-Owned Small BusinessesBullish
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finance.yahoo.com· 2023-03-17
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finance.yahoo.com· 2023-03-16
Eleven Banks Deposit $30 Billion in First Republic BankBullish
finance.yahoo.com· 2023-03-16
Fed, Treasury, FDIC and OCC Say 11 Banks Have Deposited $30 Billion in First RepublicBullish
finance.yahoo.com· 2023-03-16

Vs tracked universe

compare →

1192 tracked peers · median

EDGAR Score68 vs 67
Revenue growth— vs 7.5%
Net margin— vs 10.0%
Return on equity8.1% vs 12.0%
P/E4.7 vs 25.7