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Truist Financial Corporation (B1BT34) fair value: what the stock is really worth
As of Oct 1, 2026: fair value of Truist Financial Corporation BRL 54.43, price BRL 59.94, upside -9.2%, quality 69 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? No
- Good quality? Yes
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Broad data
Sep 29, 2026
Truist Financial Corporation
B1BT34 · SAOvervalued / MonitorQuality is not strong enough to offset the price risk.
!Fair value R$54.43 · Overvalued (−9.2%)
✓Quality 69/100
!Weak Growth (revenue 3y +0.6 %/yr)
✓Highly profitable · 29.6% net margin (TTM)
✓Moderate debt · generates free cash flow
✓0.8% dividend yield · Well covered
✓Wide moat 66/100
What runs behind every stock
26
valuation models
8 families, DCF to NCAV
37
quality factors
margins, balance sheet, cashflow, debt
6
AI factors
moat, what no ratio measures
2,000+
data points
verified, per stock, median
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 29, 2026.
How to read this chart
60‑month range R$27.91 – R$264.60 · fair‑value band R$49.71 – R$59.46 · the R$59.94 price screens above the R$54.43 fair value. Dashed = 300-day average. As of Sep 29, 2026.
Company profile
Truist Financial Corporation, a financial services company, provides banking and trust services in the Southeastern and Mid-Atlantic United States. The company operates through two segments, Consumer and Small Business Banking; and Wholesale Banking.
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Truist Financial Corporation, a financial services company, provides banking and trust services in the Southeastern and Mid-Atlantic United States. The company operates through two segments, Consumer and Small Business Banking; and Wholesale Banking. Its deposit products include noninterest-bearing checking, interest-bearing checking, savings, and money market deposit accounts, as well as certificates of deposit and individual retirement accounts. The company also provides funding; asset management; credit card lending; home equity and mortgage lending; other direct retail lending; home mortgage lending; Investment brokerage services; mobile/online banking; payment solutions; point-of-sale lending; retail and small business deposit products; and small business lending. In addition, it offers asset-based lending, commercial deposit and treasury services; commercial lending; floor plan lending; derivatives; institutional trust services; insurance premium finance; international banking; investment banking and capital markets services; leasing; merchant services; mortgage warehouse lending; real estate lending; supply chain financing; and wealth management/private banking. The company was formerly known as BB&T Corporation and changed its name to Truist Financial Corporation in December 2019. Truist Financial Corporation was founded in 1872 and is headquartered in Charlotte, North Carolina.
Stock analysis
Truist Financial Corporation (B1BT34) currently trades at R$59.94, while our model-based Fair Value estimate is R$54.43, so the stock looks roughly fairly valued today (gap 10.1%).
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Valuation
Bull case: the Multiples group reads highest at a median of R$71.79 per share, and 3 of the 6 models we run sit above the R$59.94 price.
Bear case: the Asset-Based group reads lowest at R$45.45, and 3 of the 6 models stay below the price. Evidence for this calculation is high.
Scenario range: R$49.71 (bear) to R$59.46 (bull), the price of R$59.94 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 69/100 (solid quality), in the Financial Services sector.
Weak Growth: Revenue growth is weak: less than 2 % a year.
Truist Financial Corporation reported revenue of $20.3B in FY2025 versus $20.0B in FY2022, a compound +0.6%/yr. Reported net income was $5.3B in FY2025, compounding −5.4%/yr from FY2022.
Key figures
Market cap R$332B (≈ $63.6B) · P/E ratio 12.7 · P/S ratio 3.33 · EPS (TTM) R$20.94 · Dividend yield 0.8% · Net margin 26.1% · Return on equity 8.6% · Return on assets 1.0%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (low confidence).
What moves the price
The share trades about 77% below its 52-week high and 4% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −36% fair-value upside, at −9%, B1BT34 screens cheaper than that median.
Fair Value models
Bear R$49.71
Fair Value R$54.43
Bull R$59.46
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (R$14.26 per share) are deliberately not added.
Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.
Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
Residual Income
R$57.03
R$61.40
R$69.30
73
DDM Multi-Stage
R$28.62
R$49.84
R$62.46
64
Gordon GGM
R$28.62
R$59.51
R$94.41
63
All 6 models by family
Dividend Discount
Gordon GGM
R$28.62
R$59.51
R$94.41
63
DDM Multi-Stage
R$28.62
R$49.84
R$62.46
64
Multiples
P/E Multiple
R$53.84
R$71.79
R$89.73
63
P/B Multiple
R$70.41
R$93.88
R$117.35
55
Asset-Based
NCAV (Graham)
R$33.92
R$45.45
R$67.83
54
Economic Profit
Residual Income
R$57.03
R$61.40
R$69.30
73
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Set up alert →Quality Score breakdown
Overall quality
69/100
Of which business quality 64 · Market factors (momentum, volatility) 34
Profitability
41
Margins and returns on capital today
Quality Growth
69
Are margins and returns improving?
Cashflow
84
Earnings quality: real cash, not paper profit
Fin. Strength
22
Balance sheet, leverage, solvency risk
Investment
96
Disciplined investing over empire-building
Low Volatility
36
Calm price path (market factor)
Momentum
44
Price trend over the last 3–12 months (market factor)
52W Momentum
16
Distance to the 52-week high (market factor)
Net Issuance
100
Share count: buybacks or dilution?
Revenue & earnings trend
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.
40/100
Revenue growth is weak: less than 2 % a year.
Revenue growth 1 year
+53.0%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+0.6%
’22
’23
’24
’25
What shareholders gained per year (last 3 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 3 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
−3.0%
Earnings growth per share plus dividend.
Earnings per share, growth per year−3.8%
Dividend (yield on the price)0.8%
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far and less than analysts expect.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
−4.4%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
+4.0%
Yearly sales growth analysts expect, extended to five years.
After inflation (figures in USD, USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about −6.6% a year for the price and +1.6% for the forecasts.
Forecast 2026 (sales)+4.6%
Forecast 2027 (sales)+4.3%
Projected 2028 (sales)+4.0%
Projected 2029 (sales)+3.7%
Projected 2030 (sales)+3.4%
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Context: sector, industry, market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
None of the checked exposures detected
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| Mizuho Financial Group MFG | $11.05 | $6.82 | −38% |
| Intesa Sanpaolo S.p.A ISP | €6.38 | €4.06 | −36% |
| BNP Paribas SA BNP | €91.54 | €105.99 | +16% |
| HDFC Bank Limited HDFCBANK | ₹721.20 | ₹406.44 | −44% |
| Oversea-Chinese Banking Corporation O39 | 32.01 SGD | 19.78 SGD | −38% |
| Al Rajhi Banking and Investment Corporation 1120 | 63.15 SAR | 36.95 SAR | −41% |
| CaixaBank, S.A CABK | €12.03 | €8.46 | −30% |
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Frequently asked questions
Is Truist Financial Corporation (B1BT34) overvalued or undervalued?
As of Sep 29, 2026, our model estimates a fair value of R$54.43 versus a price of R$59.94, about −9% upside (fairly valued).
What is the fair value of B1BT34?
Our model-based fair value for Truist Financial Corporation is R$54.43 (as of Sep 29, 2026), built from audited fundamentals. The current price: R$59.94.
What is the quality score of B1BT34?
Truist Financial Corporation has a Quality Score of 69/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Truist Financial Corporation (B1BT34)?
Our model-based price target is the fair value of R$54.43 (as of Sep 29, 2026) from 6 valuation models. Cautious scenario R$49.71, optimistic scenario R$59.46. It is a calculation from audited fundamentals, not an analyst target.
What is the Truist Financial Corporation stock forecast for 2026?
Our models put fair value at R$54.43, about −9% upside versus a price of R$59.94 (fairly valued). Cautious scenario R$49.71, optimistic scenario R$59.46. The calculation is refreshed regularly with new filings.
What is the revenue of Truist Financial Corporation (B1BT34)?
Truist Financial Corporation reported trailing-twelve-month revenue of about $18.7B (latest available figure, as of Sep 29, 2026).
Does Truist Financial Corporation pay a dividend?
Truist Financial Corporation currently shows a dividend yield of about 0.78% relative to its recent price (as of Sep 29, 2026).
What growth is priced into Truist Financial Corporation (B1BT34)?
For today's price to be fair in a discounted-cash-flow model, Truist Financial Corporation would have to grow free cash flow by -4.4 % per year for five years (discount rate 11.9 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 3 years revenue grew +0.6 % per year. As of Sep 29, 2026.
What discount rate (WACC) does the fair value of B1BT34 use?
Our models discount Truist Financial Corporation at 11.9 %: a base by market capitalisation (large), damped by beta 0.88, country premium for Brazil. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Truist Financial Corporation that is -4.4 % per year a year over ten years, using the same discount rate (11.9 %) and the same formula as our fair value.
How much growth has Truist Financial Corporation (B1BT34) delivered so far?
Over the past 3 years revenue at Truist Financial Corporation grew +0.6 % a year. The price currently implies -4.4 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Truist Financial Corporation (B1BT34) growing?
The median revenue growth in the sector is +6.9 % a year. That is the yardstick for the growth priced into Truist Financial Corporation (-4.4 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Truist Financial Corporation (B1BT34)?
The free-cash-flow yield on the price is 39.61 %: that much free cash flow Truist Financial Corporation produces per unit of market value. When it exceeds the discount rate of our models (11.9 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Truist Financial Corporation (B1BT34)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Truist Financial Corporation it is R$54.43 per share (as of Sep 29, 2026), against a price of R$59.94. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Truist Financial Corporation stock overvalued or undervalued in 2026?
As of Sep 29, 2026, B1BT34 trades above its calculated fair value: price R$59.94, fair value R$54.43, a gap of about −9% (fairly valued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of B1BT34?
No. The price is what the market pays today (R$59.94); the fair value is what the company's own numbers justify (R$54.43). For Truist Financial Corporation the two are R$5.51 per share apart. That gap is exactly why we show both numbers side by side.
How much is Truist Financial Corporation worth?
The market values Truist Financial Corporation at about R$332B (market capitalisation, as of Sep 29, 2026). Per share that is R$59.94; our models calculate a fair value of R$54.43 per share.
What do the bullish and bearish scenarios say about B1BT34?
Our models span a range for Truist Financial Corporation: cautious scenario R$49.71, base R$54.43, optimistic R$59.46 per share (as of Sep 29, 2026, price R$59.94). The range comes from different growth and margin assumptions, not from analyst opinions.
How far is B1BT34 from its 52-week high?
Truist Financial Corporation trades at R$59.94, about 77% below its 52-week high of R$264.60 and 4% above the low of R$57.89 (as of Oct 1, 2026). Distance from the high says nothing about value: that is what the fair value of R$54.43 is for.
Which stocks are comparable to Truist Financial Corporation?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Truist Financial Corporation stock attractive at the current price?
The data as of Sep 29, 2026: price R$59.94, calculated fair value R$54.43 (−9%), Quality Score 69/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of B1BT34 calculated?
We run Truist Financial Corporation through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of R$54.43, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. Truist Financial Corporation itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Truist Financial Corporation (B1BT34)?
The closing price on Oct 1, 2026 was R$59.94. Our model-based fair value is R$54.43, about −9% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Truist Financial Corporation right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Truist Financial Corporation
How large is the market capitalisation of Truist Financial Corporation (B1BT34)?
The market capitalisation of Truist Financial Corporation is R$332B (≈ $63.6B). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/E ratio of Truist Financial Corporation (B1BT34)?
The price-to-earnings ratio of Truist Financial Corporation is 12.7 (as of Jul 17, 2026). Price to earnings: how many years of current profit you pay for the stock. A P/E of 10 means ten years of profit.
What is the P/S ratio of Truist Financial Corporation (B1BT34)?
The price-to-sales ratio of Truist Financial Corporation is 3.33 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Truist Financial Corporation (B1BT34)?
Earnings per share at Truist Financial Corporation are R$20.94 (price ÷ EPS = P/E 12.7). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Truist Financial Corporation (B1BT34)?
The dividend yield of Truist Financial Corporation is 0.8% (payout 2.2%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Truist Financial Corporation (B1BT34)?
The net margin of Truist Financial Corporation is 26.1% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Truist Financial Corporation (B1BT34)?
The return on equity (ROE) of Truist Financial Corporation is 8.6% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the return on assets of Truist Financial Corporation (B1BT34)?
The return on assets (ROA) of Truist Financial Corporation is 1.0% (last twelve months). Profit relative to everything the company owns. Harder to inflate than return on equity because debt does not boost it.
What is the operating margin of Truist Financial Corporation (B1BT34)?
The operating margin of Truist Financial Corporation is 39.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Truist Financial Corporation (B1BT34)?
Revenue at Truist Financial Corporation is growing +5.2% versus a year earlier (3y avg +0.6%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Truist Financial Corporation (B1BT34)?
Earnings per share at Truist Financial Corporation are growing +25.3% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Truist Financial Corporation (B1BT34) carry?
The net debt of Truist Financial Corporation is $27.9B (fiscal year 2025, ≈ 4.9 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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