Truist Financial Corporation (TFC)
Overview
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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Key Information
Stock Snapshot (Updated: Nov 05 04:00 PM EST)
Capital Structure (Updated: Nov 05 04:00 PM EST)
Calendar Events (Upcoming Earnings & Revenue Forecasts)
| Earnings | |
| Earnings Date | 2026-01-21 |
| Earnings Call | 2026-01-21 |
| Avg EPS Estimate | 1.0922 |
| Low EPS Estimate | 1.05 |
| High EPS Estimate | 1.13 |
| Revenue | |
| Avg Revenue Forecast | 5,315,645,430 |
| Low Revenue Forecast | 5,288,000,000 |
| High Revenue Forecast | 5,344,000,000 |
TFC Liquidity Indicators Shows key metrics that reflect cash availability and short-term payment ability
| Field | Value | Description |
|---|---|---|
| Cash Holdings | $47,247,998,976 | Cash on hand, which directly shows a company's ability to meet short-term obligations. |
| Quick Ratio | 0 | The quick ratio, which excludes inventory, measures short-term solvency; a value above 1 is considered relatively safe. |
| Current Ratio | 0 | The current ratio, calculated as current assets divided by current liabilities; the higher the value, the better the liquidity. |
| Total Debt | $74,205,003,776 | Total liabilities, used together with cash and liquidity ratios to assess debt burden. |
TFC Profitability Indicators Shows key metrics that reflect overall earnings, margins, and core business profitability
| Field | Value | Description |
|---|---|---|
| EBITDA | $0 | EBITDA (Earnings Before Interest, Taxes, Depreciation, and Amortization), which measures the profitability of core operations. |
| Operating Cash Flow | $3,932,000,000 | Operating cash flow, which reflects a company's cash-generating ability. |
| Free Cash Flow | $0 | Free cash flow, after deducting capital expenditures, which can be used for dividends or reinvestment. |
| Gross Margin | 0.00% | Gross margin; a higher value indicates stronger product profitability. |
| Operating Margin | 39.32% | Operating margin; slightly negative, indicating high operating costs. |
| Profit Margin | 28.61% | Net profit margin, which reflects overall profitability. |
TFC Leverage & Financial Health Indicators Shows key metrics that reflect debt levels, liquidity, and overall financial stability
| Field | Value | Description |
|---|---|---|
| Debt/Equity Ratio | 0.00% | Low leverage level, indicating the company has low debt pressure. |
| Total Debt | $74,205,003,776 | Used together with cash and EBITDA to assess debt-paying ability. |
TFC Growth Indicators Shows key financial metrics that reflect profitability, cash flow, and business expansion
| Field | Value | Description |
|---|---|---|
| Revenue Growth (YoY) | 2.50% | Rapid revenue growth, indicating fast business expansion. |
| Earnings Growth (YoY) | 4.80% | Significant EPS growth, indicating rapid improvement in profitability. |
Financial Data for TFC (Key ratios, margins, and cash flow)
| Field | Value | Description |
|---|---|---|
| Current Price | $44.06 | Latest stock trading price |
| Price Target (High) | $60 | Analyst highest expected price |
| Price Target (Low) | $46.1 | Analyst lowest expected price |
| Price Target (Average) | $50.55 | Average target price across analysts |
| Price Target (Median) | $50 | Median of target prices |
| Average Rating Score | 2.05 | Average analyst rating (1=Strong Buy, 5=Sell) |
| Consensus Recommendation | buy | Consensus rating |
| Analyst Coverage Count | 21 | Number of analysts providing estimates |
| Cash Holdings | $47,247,998,976 | Total cash held by the company |
| Cash per Share | $36.93 | Cash value per outstanding share |
| Total Debt | $74,205,003,776 | Company's total debt |
| Quick Ratio | 0 | Ability to cover short-term liabilities (excludes inventory) |
| Current Ratio | 0 | Overall short-term liquidity |
| Debt/Equity Ratio | 0.00% | Leverage ratio: Debt / Equity |
| EBITDA | $0 | Earnings before interest, taxes, depreciation & amortization |
| Total Revenue | $18,279,999,488 | Total company revenue |
| Revenue per Share | $14.07 | Total revenue divided by shares outstanding |
| Gross Profit | 0.00% | Revenue minus cost of goods sold |
| Return on Assets | 0.98% | Net income / Total assets |
| Return on Equity | 7.98% | Net income / Shareholder equity |
| Earnings Growth (YoY) | 4.80% | Year-over-year EPS growth |
| Revenue Growth (YoY) | 2.50% | Year-over-year revenue growth |
| Gross Margin | 0.00% | Gross profit / Total revenue |
| EBITDA Margin | 0.00% | EBITDA / Revenue |
| Operating Margin | 39.32% | Operating income / Revenue |
| Profit Margin | 28.61% | Net income / Revenue |
| Free Cash Flow | $0 | Cash left after capital expenditures |
| Operating Cash Flow | $3,932,000,000 | Cash from core business operations |
| Currency | USD | Reported in US dollars |
| Last Updated | 2025-11-05 | Data source from Yahoo |