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Earnings transcript
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TFC
Truist Financial Corporation
$47.16
0.45
(0.96%)
| Exchange: | NYSE |
| Market Cap: | 58.911B |
| Shares Outstanding: | 26.41M |
About The Company
| Sector: | Financial Services | |||||
| Industry: | Banks – Regional | |||||
| CEO: | William Henry Rogers Jr. | |||||
| Full Time Employees: | 37529 | |||||
| Address: |
| |||||
| Website: | https://www.truist.com |
Truist Financial Corporation, a holding company, provides banking and trust services in the Southeastern and Mid-Atlantic United States. The company operates through three segments: Consumer Banking and Wealth, Corporate and Commercial Banking, and Insurance Holdings. 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; automobile lending; bankcard lending; consumer finance; home equity and mortgage lending; insurance, such as property and casualty, life, health, employee benefits, workers compensation and professional liability, surety coverage, title, and other insurance products; investment brokerage; mobile/online banking; and payment, lease financing, small business lending, and wealth management/private banking services. In addition, it offers association, capital market, institutional trust, insurance premium and commercial finance, international banking, leasing, merchant, commercial deposit and treasury, government finance, commercial middle market lending, small business and student lending, floor plan and commercial mortgage lending, mortgage warehouse lending, private equity investment, real estate lending, and supply chain financing services. Further, the company provides corporate and investment banking, retail and wholesale brokerage, securities underwriting, and investment advisory services. As of December 31, 2021, the company operated through 2,517 banking offices. 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.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 29,950,000 | 24,253,000 | 30,438,000 |
| Gross Profit | 17,913,000 | 11,408,000 | 18,937,000 |
| EBITDA | 450,000 | 378,000 | 7,053,000 |
| Operating Income | -765,000 | -601,000 | 6,349,000 |
| Net Income | -1,091,000 | 4,818,000 | 5,307,000 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 535,349,000 | 531,176,000 | 547,538,000 |
| Total Liabilities | 476,096,000 | 467,497,000 | 482,349,000 |
| Total Stockholders Equity | 59,101,000 | 63,679,000 | 65,189,000 |
| Total Debt | 62,121,000 | 62,265,000 | 69,802,000 |
| Cash and Cash Equivalents | 30,230,000 | 39,768,000 | 36,377,000 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 8,631,000 | 2,164,000 | 0 |
| Capital Expenditure | 0 | 0 | 0 |
| Free Cash Flow | 8,631,000 | 2,164,000 | 0 |
| Net Income | -1,047,000 | 4,840,000 | 5,307,000 |
| Net Change in Cash | 9,223,000 | 9,124,000 | -39,768,000 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2028 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 23,078,402.270 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 23,203,872.189 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 23,141,137.230 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 4,825,466.515 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 4,851,701.039 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 4,838,583.777 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 6,604,851.147 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 7,939,134.785 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 7,271,992.966 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 6,757,870.529 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 6,794,610.918 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 6,776,240.724 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 5.710 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 6.180 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 5.140 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 5 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 6 | Full Access | Full Access | Full Access | Full Access |
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Current Key Metrics
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Login — it's freeSWOT Analysis
Strengths (preview)
- Solid Financial Performance: Truist Financial Corporation (TFC) reported robust results in its Q3 2025 earnings call, with key financial metrics such as net income and revenue showing positive trends. The company’s ability to exceed analyst expectations in these areas highlights operational efficiency and effective cost management.
- Strong Capital Returns: TFC emphasized a commitment to enhancing shareholder value through disciplined financial management, including consistent dividend payments (as reflected in the dividendYieldTTM metric) and potential share repurchasing programs, positioning it as an attractive option for income-focused investors.
- Healthy Profitability Metrics: The company demonstrates strong profitability with competitive grossProfitMarginTTM and netProfitMarginTTM figures, supported by a favorable return on equity (roeTTM), indicating efficient use of shareholder capital compared to industry peers.
- Stable Balance Sheet: Data from the balance sheet shows a balanced debtToEquityRatioTTM, alongside significant cashAndCashEquivalents, providing TFC with financial flexibility to weather economic fluctuations or invest in growth initiatives.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates TFC intrinsic value between $23.92 – $40.74 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
Common questions about TFC valuation
Is Truist Financial Corporation (TFC) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for Truist Financial Corporation (TFC) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is TFC a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether TFC trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is TFC’s P/E ratio?
You can see TFC’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for TFC?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is TFC a good long-term investment?
Whether TFC fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
TFC
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