Truist Financial Corporation (TFC)
Valor JustoFundamental
61
Preço
$45.74
Capitalização de Mercado
$57.64B
Parte 1 · Quanto vale a empresa
Visão Geral
Truist is a regional bank formed in 2019 from the merger of BB&T and SunTrust. It takes deposits and makes loans to consumers and businesses through roughly 1,900 branches across 15 states and Washington, D.C., mostly in the southeastern and mid-Atlantic United States, and also runs wealth management and investment-banking businesses that serve larger corporate clients.
Como gera receita
Like any bank, Truist earns money two ways: the spread between what it pays depositors and what it charges borrowers (net interest income), and fees from services such as wealth management, card payments, investment banking and treasury management (noninterest income). It reports results through two segments, Consumer and Small Business Banking and Wholesale Banking, which together cover the two revenue streams above.
O que impulsiona a procura
CíclicoLoan demand and credit losses move with the broader economy: in a downturn, borrowers default more and businesses borrow less, while interest-rate moves by the Federal Reserve directly reset the spread the bank earns on its balance sheet. Fee businesses like investment banking also slow when markets are volatile.
Principais riscos
- Interest rate risk — The company states that interest rate risk in its balance sheet is its most significant market risk exposure: a mismatch between how quickly assets and liabilities reprice can compress the margin it earns even if loan volumes hold up.
- Credit concentration in commercial real estate — Truist discloses a sizeable commercial real estate and commercial construction loan book, which it flags as an area of heightened risk given current conditions in that market.
- Extensive banking regulation — As a large bank holding company, Truist is subject to evolving capital, liquidity and compliance rules, including anti-money-laundering and sanctions requirements, and changes to those standards can affect its costs, growth and ability to return capital to shareholders.
Os argumentos a favor
Buyers argue that Truist's deposit base across a growing southeastern footprint and its diversified fee businesses give it a steadier earnings mix than a pure lender, and that expense discipline after the BB&T–SunTrust merger integration can keep improving returns.
Os argumentos contra
Sellers fear that a flat or falling net interest margin limits earnings growth from the core lending business, that concentrated commercial real estate exposure could produce losses if that market weakens, and that heavier bank regulation keeps raising the cost of doing business.
Written by the editors, published on 18 de agosto de 2026
Direct competitors
Who this company fights with for the same customers
No editorial profile for this company yet
No competitor list for this company yet.
Balanço & Liquidez
Receita
$20.85B
Últimos 12 meses (até 30/06/2026)
Resultado Líquido
$5.84B
Últimos 12 meses (até 30/06/2026)
Fluxo de Caixa Livre
-
Capital Próprio Total
$65.19B
Passivo Total
$482.35B
Rácio de Liquidez
-
Cobertura de Juros
0.47
Dívida/EBITDA
-
Resultados Por Ação
Receita & Resultado Líquido
Fluxo de Caixa Livre
Decomposição dos Resultados
Demonstração histórica
Margens ao longo do tempo
A dívida ao longo do tempo
Grelha do crescimento
Crescimento — Receitas
Estimativa de Valor Justo
Valor Justo
$47.90
Preço Atual
$45.74
Margem de Segurança
+4.5%
Intervalo de Valor Justo
$43.45 - $52.34
Dispersão entre os métodos de avaliação utilizados, não um intervalo de confiança calibrado estatisticamente.
Métodos de Estimativa
Métricas de Avaliação
Rácio P/E
10.59
ROE
8.1%
Rácio P/B
0.88
P/FCF
-
Margem Bruta
-
ROIC
-
Radar de Rentabilidade
Criação de Valor (Vantagem Competitiva)
ROIC
-
WACC
12.5%
ROIC − WACC
-
Critérios de Análise Fundamental
Aprovado (12)
- EPS shows upward trend
- P/B Ratio 0.88
- Operating Margin 32.6%
- Low reliance on intangibles
- Price below Graham Number
- ROE 9.0%
- Revenue Growth 5Y 17.7%
- Earnings Surprise avg 7.2%
- Earnings Quality (OCF/NI) 0.99
- Share Dilution -3.6%
- Net Margin Trend 28.0% vs 26.1%
- Piotroski F-Score 6/9
Reprovado (8)
- EPS CAGR 1.09%
- Price CAGR -0.00%
- Debt/Equity ratio
- Interest Coverage
- Return on Tangible Assets
- DCF valuation (Fairly valued)
- Analyst Consensus 35% Buy
- PEG Ratio 2.30
Indisponível (8)
- ROIC NaN%
- Gross Margin NaN%
- P/FCF NaN
- Dividend Payout NaN%
- Positive Free Cash Flow
- CapEx intensity
- Current Ratio
- Debt/EBITDA
Piotroski F-Score
Sinais mistos: algumas áreas requerem atenção
Qualidade dos Resultados
Moderada: alguma diferença entre lucros e caixa
Diluição de Ações
A recomprar ações. Favorável ao acionista
Participações institucionais
Não há declarações institucionais para esta empresa.
Governação
Equipa Executiva
| Nome | Cargo | Idade |
|---|---|---|
| Mr. Michael Baron Maguire | Senior EVP & CFO | 46 |
| Mr. Donta L. Wilson | Senior EVP and Chief Consumer & Small Business Banking Officer | 49 |
| Ms. Kristin Lesher | Senior EVP & Chief Wholesale Banking Officer | 52 |
| Mr. Bradley D. Bender | Senior EVP & Chief Risk Officer | 44 |
| Mr. Michael Patrick Lyons | President, CEO & Director | 54 |
| Mr. Steve Hagerman | Chief Technology & Operations Officer | - |
| Mr. Bradley Jason Milsaps C.F.A. | Executive VP & Head of Investor Relations | - |
| Mr. Scott A. Stengel J.D. | Senior EVP, Chief Legal Officer, Head of Government Affairs & Corporate Secretary | 53 |
| Ms. Sherry Graziano | Head of Digital, Client Experience & Marketing | - |
| Mr. Jodie E. Hughes | Director of Regional Commercial Real Estate & President of Washington Region | 55 |
Risco de Auditoria
4
Risco do Conselho
7
Risco de Remuneração
6
Risco dos Direitos dos Acionistas
5
Parte 2 · O preço e o momento de entrar
Esta parte não serve para saber se a empresa vale: serve para escolher quando comprá-la, depois que os fundamentos te convenceram. Dentro: análise técnica, potencial, quedas históricas, exposição gama.
Documentos
- Ver documento
Relatório anual (10-K)
Uma visão anual do negócio, dos resultados financeiros e dos riscos da empresa.
Arquivado em 2026-02-24
- Ver documento
Relatório trimestral (10-Q)
Uma atualização sobre o desempenho financeiro dos últimos três meses.
Arquivado em 2026-07-31
- Ver documento
Relatório de fato relevante (8-K)
Um aviso sobre um fato relevante, como uma mudança na liderança ou um grande anúncio.
Arquivado em 2026-09-15
via SEC EDGAR
Histórico de Resultados
via SEC EDGAR
Latest News
Recent headlines for TFC, sourced from Markets Gazette.
- 4/27/2026NEGATIVETruist Loses Trio of Veteran Traders From Municipal Bond Team
Truist Financial Corporation has seen three veteran traders depart its municipal bond department. This departure from the Charlotte-based bank, while not specifying the reasons, could signal internal challenges or a shift in strategy within its fixed-income division. The loss of experienced personnel in a specialized area like municipal bonds may lead to a temporary disruption in trading operations and client services, potentially impacting the bank's market share and profitability in this segment. Investors will monitor the bank's ability to replace the talent and maintain its competitive position.
- 4/20/2026POSITIVETruist Sets Bold Long-Term Profitability Goal After Strong Q1
Truist Financial announced robust Q1 earnings, exceeding expectations and prompting an analyst to raise the price target. The company has also set an ambitious long-term profitability goal, signaling confidence in its strategic direction. This positive momentum, coupled with an improving outlook, suggests a strengthening financial performance. Investors will be watching to see if Truist can sustain this growth trajectory and achieve its stated profitability targets, which could lead to further upside in the stock.
- 4/17/2026POSITIVETruist Shares Rise After Double Beat
Truist Financial Corporation (NYSE:TFC) reported a strong first quarter, exceeding analyst expectations with a double beat on both earnings and revenue. The company's performance indicates robust operational efficiency and effective strategic execution. This positive financial outcome is likely to boost investor confidence and could lead to an upward revision of the stock's valuation. Investors will be watching for management's commentary on future growth drivers and potential headwinds in the upcoming earnings call.
- 4/17/2026NEUTRALTruist Financial Gears Up For Q1 Print; Here Are The Recent Forecast Changes From Wall Street's Most Accurate Analysts
Truist Financial Corp. is poised to release its first-quarter earnings, with consensus estimates projecting earnings per share of $1.00, an increase from $0.89 in the prior year. While the projected year-over-year growth is a positive indicator, the article notes that analyst ratings remain mixed. This suggests that despite potential operational improvements, the market's sentiment towards TFC's future performance is divided, creating uncertainty for investors.
- 4/16/2026NEUTRALHow To Earn $500 A Month From Truist Financial Stock Ahead Of Q1 Earnings
Truist Financial is set to announce its first-quarter earnings on April 17. Current analyst consensus anticipates earnings per share of $1.00 and revenue of $5.18 billion. The company currently offers a dividend yield of 4.19%. While the upcoming earnings report and dividend yield are key data points for investors, the article itself does not provide a directional outlook on the stock's performance, making it informational ahead of the official release.
- 2/24/2026POSITIVETruist Could Soar If These 2 Things Go Right
Investors in Truist Financial Corporation (TFC) should closely monitor upcoming developments, as the stock's growth potential in 2026 is tied to two crucial factors. The positive outlook hinges on a significant increase in the bank's revenues and an expansion of its operating margins. Additionally, the impact of stock buybacks, a strategy that tends to support share prices by reducing outstanding shares and boosting earnings per share, will be key. If these conditions materialize, Truist could deliver a notable performance, signaling a bullish trend for the market.
via Markets Gazette