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Earnings transcript
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TFC
Truist Financial Corporation
$49.43
0.6
(1.23%)
| Exchange: | NYSE |
| Market Cap: | 61.584B |
| Shares Outstanding: | 26.41M |
Delayed data
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 operates as a diversified financial holding company, providing an extensive array of banking and trust services throughout the Southeastern and Mid-Atlantic regions of the United States. Its business activities are structured across three main segments: Consumer Banking and Wealth, Corporate and Commercial Banking, and Insurance Holdings. The corporation offers a broad spectrum of deposit products, including both interest-bearing and noninterest-bearing checking accounts, savings accounts, money market deposit accounts, certificates of deposit (CDs), and individual retirement accounts (IRAs). Beyond deposit services, Truist delivers a comprehensive suite of financial solutions. These include various lending options such as automobile, bankcard, consumer, home equity, mortgage, small business, and student loans, alongside specialized commercial financing for areas like floor plan, real estate, and mortgage warehousing, as well as lease and supply chain financing. The company also provides extensive wealth management and investment services, encompassing asset management, investment brokerage, private banking, capital markets, institutional trust, and private equity investment solutions. Further offerings include corporate and investment banking, securities underwriting, and advisory services. Additionally, Truist offers a wide range of insurance products, covering property and casualty, life, health, employee benefits, workers’ compensation, professional liability, surety, and title insurance. Digital banking platforms (mobile and online), payment processing, international banking, merchant services, and treasury management are also integral parts of its service portfolio. Headquartered in Charlotte, North Carolina, Truist Financial Corporation was founded in 1872. As of December 31, 2021, the company maintained a substantial presence with 2,517 banking offices. The organization officially adopted its current name, Truist Financial Corporation, in December 2019, having previously operated as BB&T Corporation.
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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) | 22,973,913.051 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 23,090,608.253 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 23,032,260.652 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 4,803,618.849 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 4,828,018.666 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 4,815,818.757 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 6,867,109.866 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 7,907,239.149 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 7,387,174.508 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 6,727,273.757 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 6,761,444.713 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 6,744,359.235 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 5.740 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 6.150 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 5.340 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 3 | 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.
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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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Daily snapshot
1.23
Trading Metrics:
| Open: | 49.2 | Previous Close: | 48.83 | |
| Day Low: | 48.92 | Day High: | 50.11 | |
| Year Low: | 38.84 | Year High: | 56.2 | |
| Price Avg 50: | 48.8 | Price Avg 200: | 47.75 | |
| Volume: | 8.518M | Average Volume: | 8.997M |
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Login — it's freeTFC full analysis
Hey everyone, welcome back to the channel! Today, we’re diving deep into a comprehensive stock analysis of Truist Financial Corporation, ticker symbol TFC, a major player in the regional banking space. If you’re looking to understand whether Truist is a solid addition to your portfolio, or just curious about how this financial giant is performing in today’s market, you’ve come to the right place. We’re going to break down everything from their financials to their valuation, recent performance, and even…
