Truist Financial (TFC) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Truist Financial

NYSE•Financial Services•Banks - Regional

$49.41-0.76(-0.02%)After hours

Market Cap

$59.83B

P/E

11.5x

P/S

3.1x

P/B

1.0x

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.

How this company scores

WeakMetricSide Score: 55/100

Grade capped at D — Interest coverage below 1× (0.4x) — earnings cannot cover interest. Strongest: Cash & Earnings Quality (23/25); weakest: Balance Sheet & Red Flags (10/25).

Profitability12/25

Growth10/25

Balance Sheet & Red Flags10/25

Cash & Earnings Quality23/25

Strengths

Rising free cash flowStrong marginsConsistent free cash flowNo share dilution

Grade capped at D

Interest coverage below 1× (0.4x) — earnings cannot cover interest.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 11.5x5y range 6.6x – 12.2x

Currently near its 16-quarter median.

P/S · 3.1x5y range 1.6x – 4.3x

Currently near its 20-quarter median.

P/B · 1.0x5y range 0.6x – 1.2x

Currently near its 20-quarter median.

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

Some Concerns

Earnings Quality

Watch

FCF/Net Income has dropped below 0.7x in 4 quarters — monitor for earnings quality deterioration.

Leverage Risk

Watch

Debt-to-equity has risen 36.6% recently — increasing financial risk even if the current ratio is manageable.

Price & Volume

Market Cap $59.83B

Metrics at a Glance

as of September 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $19.41B
Q. Revenue: $3.75B
TTM EBITDA: $5.96B
TTM Op. Income: $5.96B
Q. Op. Income: $895.00M
TTM Net Income: $5.19B
Q. Net Income: $799.00M
EPS: $0.57
Shares Out.: $1.21B

$19.41B in TTM revenue declined 3.6% YoY, reaching $3.75B last quarter. TTM EBITDA of $5.96B and TTM operating income of $5.96B show growth is flowing through to the bottom line. TTM net income of $5.19B means revenue is converting into profit. Over the past year, TTM revenue is down 4% — a weakening trend.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin: 23.9%
Op. Margin: 23.9%
Net Margin: 21.3%

Op. margin of 23.9% is down 9.6% YoY — costs are rising relative to revenue. Net margin at 21.3% Over the past year, operating margin is down 29% — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 11.5x
P/S Ratio: 3.1x
P/B Ratio: 1.0x

At 11.5x P/E, the stock trades below typical market levels. P/S of 3.1x and P/B of 1.0x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Across the last 8 quarters, P/E has risen for 2 consecutive quarters — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $554.20B
Cash: $45.47B
Long-Term Debt: $53.37B
Book Value: $61.47B
D/E Ratio: 0.9
Debt/EBITDA: 59.6

With $554.20B in assets and $53.37B in long-term debt, D/E is 0.9and book value is $61.47B — a conservative capital structure with a cushion to weather downturns. Across the last 8 quarters, debt/equity has risen for 4 consecutive quarters — a weakening trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $1.76B
TTM Free Cash Flow: $6.06B
FCF Margin: 31.2%
FCF / Net Income: 1.2

TTM FCF of $6.06B on $1.76B in operating cash flow. The FCF / Net Income ratio of 1.2x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has risen for 2 consecutive quarters — an improving trend.