Truist Financial Corp (TFC) fair value: what the stock is really worth
As of Nov 5, 2026: fair value (intrinsic value) of Truist Financial Corp stock $48.28, price $49.84, that is 3.1% below the price, quality 68 out of 100. Rating: fairly valued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 1, 2026.
How to read this chart
60‑month range $21.83 – $54.14 · fair‑value band $40.41 – $67.35 · the $49.84 price screens above the $48.28 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 1, 2026.
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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.
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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 Corp (TFC) currently trades at $49.84, while our model-based Fair Value estimate is $48.28, so the stock looks roughly fairly valued today (gap 3.2%).
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Valuation
Bull case: the Multiples group reads highest at a median of $51.28 per share, and 2 of the 6 models we run sit above the $49.84 price.
Bear case: the Asset-Based group reads lowest at $25.67, and 4 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: $40.41 (bear) to $67.35 (bull), the price of $49.84 sits inside 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 68/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Truist Financial Corp reported revenue of $30.4B in FY2025 versus $23.1B in FY2021, a compound +7.2%/yr. Reported net income was $5.3B in FY2025, compounding −4.7%/yr from FY2021.
Key figures
Market cap $61.8B Large · P/E ratio 12.6 · P/S ratio 3.38 · EPS (TTM) $3.96 · Dividend yield 4.2% · Net margin 28.4% · Return on equity 8.2% · Return on assets (EBIT) 0.7%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 61 out of 100 (low confidence).
What moves the price
The share trades about 8% below its 52-week high and 18% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −35% fair-value upside, at −3%, TFC screens cheaper than that median.
Fair Value models
Bear$40.41Fair Value $48.28Bull$67.35
Price $49.84 · Downside -3.1%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($1.60 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.Coverage ⓘCoverage = 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.
In the last 6 months, one officer or director bought shares worth $2.2M, on Oct 28, 2026. Over the same period, 3 people sold shares worth $1.6M.
BuyMichael P. LyonsPresident & CEO, Director2× since Sep 17, 2026: 46,000 shares, avg. $48.36$2.2MOct 28, 2026
SaleDonta L WilsonChief Consumer & SB BK Officer13,280 shares at $51.85$688,568Jul 31, 2026
SaleK. David Boyer Jr.Director2× since Nov 25, 2025: 9,146 shares, avg. $48.30$441,772Jul 23, 2026
SaleWilliam H Rogers JrChairman & CEO, Director13,250 shares at $52.36$693,770Jul 20, 2026
SaleCynthia B PowellCorp. Controller & CAO3,500 shares at $52.49$183,715Feb 2, 2026
SaleMichael Baron MaguireChief Financial Officer13,000 shares at $50.13$651,690Jan 26, 2026
Plus 2 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
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.73/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+25.5%
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.
+10.9%
Revenue growth 5 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.
+4.5%
Start year 2020 (pandemic). Over 10 years: +11.1% a year
Revenue growth 36 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.
+13.4%
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What shareholders gained per year (last 5 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 5 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.
+5.1%
Earnings growth per share plus dividend.
Earnings per share, growth per year+0.9%
Dividend (yield on the price)4.2%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.0.9% vs 3.5%, steady
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.22% → 21%
Pace: the 5-year rate starts in 2020 (pandemic)
Growth Forecast
A lot of optimism in the price
The price assumes less growth than the company has delivered so far and more 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).
+1.4%
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.
−4.2%
Yearly sales growth analysts expect, extended to five years.
After inflation (USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about −1.0% a year for the price and −6.4% for the forecasts.
News mood ⓘNews mood, the average tone of recent news (98 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation.Neutral
Recent news coverage is roughly neutral, about typical for how stocks are covered.
AI conclusion: The regional bank benefits from a simplified balance sheet and lower credit risk after exiting auto lending, yet faces a limited durable moat amid intense competition in core markets.
Main risk: Fintech rivals such as SoFi and Ally might attract retail depositors with higher rates, reducing Truist's low-cost funding or pressuring net interest margins.
Bull case: By enhancing its digital offerings and AI-driven personalization while leveraging its regional branch network, Truist could retain and attract customers seeking relationship-based banking.
Bear case: If fintechs and larger banks continue to capture deposits with superior digital experiences and pricing, Truist might face higher funding costs and slower growth in its core regional markets.
Truist has exited its near-prime auto lending business by selling a large portfolio of those loans. This simplifies the balance sheet and lowers credit risk while shifting focus back to core regional banking. Will the capital freed up and reduced volatility deliver stronger results than the lost income from that activity?
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 1002 stocks
Beats the industry median on 8/15 measures
A mixed picture versus its industry peers.
Valuation
Quality Score68 · Top 25%
Fair Value upside−3.1% · Above median
Profitability
Return on equity (12 months)8.2% · Below median
Return on assets1.0% · Above median
Net margin (12 months)28.4% · Below median
Operating margin (12 months)25.5% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY)−15.8% · Bottom 25%
Dividend yield (12 months)4.2% · Top 25%
Balance sheet
Debt / equity0.64× · Above median
Valuation Multiplesvs Banks - Regional median · lower = cheaper
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Is Truist Financial Corp (TFC) overvalued or undervalued?
As of Nov 1, 2026, our model estimates a fair value of $48.28 versus a price of $49.84, about 3% lower (fairly valued).
What is the fair value of TFC?
Our model-based fair value for Truist Financial Corp is $48.28 (as of Nov 1, 2026), built from audited fundamentals. The current price: $49.84.
What is the quality score of TFC?
Truist Financial Corp has a Quality Score of 68/100. 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 Corp (TFC)?
Our model-based price target is the fair value of $48.28 (as of Nov 1, 2026) from 6 valuation models. Cautious scenario $40.41, optimistic scenario $67.35. It is a calculation from audited fundamentals, not an analyst target.
What is the Truist Financial Corp stock forecast for 2026?
Our models put fair value at $48.28, about 3% lower versus a price of $49.84 (fairly valued). Cautious scenario $40.41, optimistic scenario $67.35. The calculation is refreshed regularly with new filings.
What is the revenue of Truist Financial Corp (TFC)?
Truist Financial Corp reported trailing-twelve-month revenue of about $18.3B (latest available figure, as of Nov 1, 2026).
Does Truist Financial Corp pay a dividend?
Truist Financial Corp currently shows a dividend yield of 4.17% relative to its recent price (as of Nov 1, 2026).
What growth is priced into Truist Financial Corp (TFC)?
For today's price to be fair in a discounted-cash-flow model, Truist Financial Corp would have to grow free cash flow by +1.4 % per year for five years (discount rate 9.0 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +4.5 % per year. As of Nov 1, 2026.
What discount rate (WACC) does the fair value of TFC use?
Our models discount Truist Financial Corp at 9.0 %: a base by market capitalisation (large), damped by beta 0.91, country premium for USA. 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 Corp that is +1.4 % per year a year over ten years, using the same discount rate (9.0 %) and the same formula as our fair value.
How much growth has Truist Financial Corp (TFC) delivered so far?
Over the past 5 years revenue at Truist Financial Corp grew +4.5 % a year. The price currently implies +1.4 % 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 Corp (TFC) growing?
The median revenue growth in the sector is +9.4 % a year. That is the yardstick for the growth priced into Truist Financial Corp (+1.4 % 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 Corp (TFC)?
The free-cash-flow yield on the price is 9.29 %: that much free cash flow Truist Financial Corp produces per unit of market value. When it exceeds the discount rate of our models (9.0 %), 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 Corp (TFC)?
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 Corp it is $48.28 per share (as of Nov 1, 2026), against a price of $49.84. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Truist Financial Corp stock overvalued or undervalued in 2026?
As of Nov 1, 2026, TFC trades above its calculated fair value: price $49.84, fair value $48.28, a gap of about −3% (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 TFC?
No. The price is what the market pays today ($49.84); the fair value is what the company's own numbers justify ($48.28). For Truist Financial Corp the two are $1.56 per share apart. That gap is exactly why we show both numbers side by side.
How much is Truist Financial Corp worth?
The market values Truist Financial Corp at about $61.8B (market capitalisation, as of Nov 1, 2026). Per share that is $49.84; our models calculate a fair value of $48.28 per share.
What do the bullish and bearish scenarios say about TFC?
Our models span a range for Truist Financial Corp: cautious scenario $40.41, base $48.28, optimistic $67.35 per share (as of Nov 1, 2026, price $49.84). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of TFC?
Truist Financial Corp trades at a price-to-earnings ratio of 12.6 (as of Nov 1, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $48.28 is built from several models across several years. Median P/E at fiscal year-end, 9 fiscal years (2016 to 2025), reported earnings: 12.3. Other multiples: PEG 1.1, P/B 1.0, P/S 3.4, EV/EBITDA 9.6.
What is the PEG ratio of TFC?
The PEG ratio of Truist Financial Corp is 1.10 (P/E divided by earnings growth, as of Nov 1, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of Truist Financial Corp (TFC)?
Balance-sheet figures for Truist Financial Corp (as of Nov 1, 2026): return on equity 8.2%, debt of 0.64 per unit of equity. They feed the Quality Score of 68/100, which measures business quality independently of the share price.
How far is TFC from its 52-week high?
Truist Financial Corp trades at $49.84, about 8% below its 52-week high of $54.14 and 18% above the low of $42.20 (as of Nov 5, 2026). Distance from the high says nothing about value: that is what the fair value of $48.28 is for.
Which stocks are comparable to Truist Financial Corp?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, 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 Corp stock attractive at the current price?
The data as of Nov 1, 2026: price $49.84, calculated fair value $48.28 (−3%), Quality Score 68/100, 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 TFC calculated?
We run Truist Financial Corp 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 $48.28, 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 15.5% above its aggregate fair value. Truist Financial Corp 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 Corp (TFC)?
The closing price on Nov 5, 2026 was $49.84. Our model-based fair value is $48.28, about 3% lower (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Truist Financial Corp 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 Corp
How large is the market capitalisation of Truist Financial Corp (TFC)?
The market capitalisation of Truist Financial Corp is $61.8B. 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/S ratio of Truist Financial Corp (TFC)?
The price-to-sales ratio of Truist Financial Corp is 3.38 (last twelve months). 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 Corp (TFC)?
Earnings per share at Truist Financial Corp are $3.96 (price ÷ EPS = P/E 12.6). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Truist Financial Corp (TFC)?
The dividend yield of Truist Financial Corp is 4.2% (payout 52.5%). 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 Corp (TFC)?
The net margin of Truist Financial Corp is 28.4% (last twelve months). 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 Corp (TFC)?
The return on equity (ROE) of Truist Financial Corp is 8.2% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Truist Financial Corp (TFC)?
On an EBIT basis the return on assets of Truist Financial Corp is 0.7% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Truist Financial Corp (TFC)?
The operating margin of Truist Financial Corp is 25.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Truist Financial Corp (TFC)?
Revenue at Truist Financial Corp is growing −15.8% versus a year earlier (3y avg +10.9%). 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 Corp (TFC)?
Earnings per share at Truist Financial Corp are growing −46.2% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Truist Financial Corp (TFC) carry?
The net debt of Truist Financial Corp is $33.4B (fiscal year 2025, ≈ 5.8 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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Broad data
Nov 1, 2026