TFC
Truist Financial
Financials · Diversified Banks · US
$49.20
Data:
✗ ETHICAL FAIL

NARROW MOAT
HIGH
Data Confidence: 100.0%
Key Metrics

How this company measures up on the fundamentals that matter

Market Cap
$61.2B
Total market value of the company
12.20
Reasonably valued
9.60
Based on estimated future earnings — lower means cheaper
Rev Growth
+5.2%
Year-over-year revenue change
Profit Margin
0.0%
How much profit the company keeps from each dollar of revenue
8.6%
Return on equity — how efficiently it uses shareholder money
Analyst Target
$55.68
+13% from current price — median analyst estimate
Recommendation
BUY
Consensus view from 19 analysts covering this stock
About Truist Financial

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. 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.

https://www.truist.com

Country: United States Employees: 37,877 Industry: Banks - Regional
Ethical Screening

Five compliance checks based on AAOIFI standards — all must pass for ethical clearance

Business Activity
FAIL
Core business does not involve prohibited activities
Debt Ratio
0.0%
Debt must be below 33% of total assets
Cash Ratio
0.0%
Interest-bearing cash below 33% of assets
Receivables
0.0%
Receivables below 49% of assets
Revenue Purity
0.0%
Non-compliant revenue below 5% — any excess requires purification
Valuation
$103.00
What our model estimates this business is worth per share
52.2%
Deep discount to fair value — significant undervaluation
Rating
AVOID
Overall assessment combining ethics, valuation, and quality
69.9th
Ranks in the top 30% of our 13,571 screened universe
Ethical Score
10.0
Valuation Score
95.0
Quality Score
33.0
Combined
45.0

Trading at $49 against a fair value of $103, a 52% discount. Fails ethical screen (Business activity screen). Ranks better than 75% of screened stocks.

Quantitative Intelligence

Statistical analysis of price behaviour, risk, and market regime — independent of fundamental data

DISTRIBUTION
Smart money appears to be selling into strength — caution
0.776
Good returns relative to risk taken
0.0631
Suggested allocation is meaningful — the edge justifies a position
0.709
Acceptable balance between returns and drawdown risk
Annual Return
19.1%
Historical annualised return based on price data
-26.9%
Largest peak-to-trough decline — the worst it has been
SIDEWAYS
Price consolidating — no clear directional bias
Days in State
262
How long the current regime has persisted — longer means more stable
Market Data

Trading characteristics and market positioning

0.91
Less volatile than the market — more defensive
52W High
$56.20
12% below the year high
52W Low
$38.27
29% above the year low
Avg Volume
8,917,066
Average daily shares traded — higher means easier to buy and sell
3.3
Days it would take all short sellers to cover — higher means more crowded
Short % Float
2.4%
Low short interest — limited bearish positioning
424.0%
Annual dividend as a percentage of the share price
$4.04
Earnings per share over the last 12 months
Financial Health

Balance sheet strength and cash generation — the foundation of long-term value

Quick Ratio
N/A
Like current ratio but excludes inventory — stricter test
Gross Margin
N/A
Revenue left after cost of goods — higher means pricing power
Operating Margin
39.0%
Profit from core operations before interest and tax
N/A
Negative — the business is spending more than it generates
Revenue (TTM)
$18.7B
Total revenue over the last 12 months
Net Income
$5.2B
Profitable — the bottom line is positive
Analyst Coverage
Analysts
19
Target High
$63.00
Target Median
$55.68
Target Low
$45.00
Recent Insider Activity

SEC Form 4 filings — what company insiders are buying and selling

Date Insider Title Type Shares Value
2026-03-13 BENDER BRADLEY D Officer 7,821
2026-03-13 POWELL CYNTHIA B Officer 1,929
2026-02-24 STEIN LAURENCE Director 4,027
2026-02-24 TANNER BRUCE L Director 4,027
2026-02-24 BOYER K DAVID JR Director 4,027
2026-02-24 PRUZAN JONATHAN M Director 4,027
2026-02-23 ROGERS WILLIAM H JR Chief Executive Officer 77,787
2026-02-23 MAGUIRE MICHAEL BARON Chief Financial Officer 18,300
2026-02-23 LESHER KRISTIN Officer 17,087
2026-02-23 WILSON DONTA L Officer 23,484
Source: SEC Form 4 filings via public data. View all insider activity at
Insider Intelligence
Political Trading Activity

Congressional trading disclosures involving this instrument

Date Politician Party Type Amount
2026-04-24 Ro Khanna Democrat Purchase 1K–15K
2026-04-13 Ro Khanna Democrat Sale 1K–15K
Source: Congressional disclosure filings. View all political trades at
Insider Intelligence
Explore the Ethical Screener View Track Record

Data sourced from public filings and market feeds. Not financial advice. Updated:

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