Truist Financial Corporation (TFC) Stock Price & Analysis
Truist Financial Corporation (TFC) closed at USD 48.42 on Thursday, October 22, 2026, up 1.45% on the day. The US market is currently closed (pre-market); this is not a live price.
The prior close was USD 47.73; the Oct 22, 2026 session ranged USD 47.44–48.44 on volume of 6,336,509 shares. Market capitalization is $59.15B, with a 52-week range of USD 43.13–56.2 (NYQ). Source: Nexqual, retrieved October 23, 2026 at 08:39 UTC.
Also available as compact Markdown for AI agents: nexqual.com/TFC.md
Key facts (TFC)
- Last four reported quarters (through Jun 30, 2026): revenue $20.9B, net income $5.84B (28.0% margin) (SEC filings).
- Valuation: P/E 10.1x (avg 12.0x at the last 2 fiscal year-ends).
- 4 of 80 tracked superinvestors hold TFC (13F, Q2 2026): 0 new, 0 added, 3 reduced, 1 unchanged.
- Insider open-market sales, last ~7 months: 3 Form 4 filings, $1.6M; 3 not under a Rule 10b5-1 plan ($1.6M); 0 by opportunistic insiders, 0 by routine insiders (three-year test, Cohen, Malloy & Pomorski 2012).
- Insider open-market purchases, last ~7 months: 1 Form 4 filing, $1.0M; 0 by opportunistic insiders, 0 by routine insiders.
- Analysts: Hold (mean 2.82 on a 1–5 scale) (22 analysts), mean target USD 53.19 (range 45–58).
- Total return with dividends: 1Y +15.8% vs S&P 500 +14.9%; 5Y -4.4% vs S&P 500 +80.3%.
- Next earnings: 2026-10-16, EPS estimate USD 1.22, revenue estimate $5.33B.
Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters) (TFC)
| USD | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | TTM |
|---|---|---|---|---|---|---|
| Revenue | $22.3B | $20.0B | $20.0B | $13.3B | $20.3B | $20.9B |
| Net income | $6.44B | $6.27B | -$1.05B | $4.84B | $5.31B | $5.84B |
| EPS (diluted) | $4.47 | $4.43 | -$1.09 | $3.36 | $3.82 | — |
| Free cash flow | $7.45B | $10.5B | — | — | — | — |
| Net margin | 28.9% | 31.4% | -5.2% | 36.5% | 26.1% | 28.0% |
| Revenue growth | -1.8% | -10.4% | +0.2% | -33.7% | +53.0% | — |
| Cash + short-term investments | $20.3B | $21.4B | $30.6B | $39.8B | $36.4B | — |
| Total debt | $41.2B | $66.6B | $63.7B | $64.2B | $69.8B | — |
Fiscal years end Dec. EPS is split-adjusted.
Valuation (price ÷ last four quarters, through Jun 30, 2026) (TFC)
P/E 10.1x · P/S 2.8x · P/B 0.9x · Earnings yield 9.87% · Dividend yield (paid, TTM) 4.40% · Buyback yield (TTM) 6.06%
P/E at fiscal year-ends: Dec 2025 12.1x, Dec 2024 11.9x.
Superinvestors (SEC 13F-HR, Q2 2026) (TFC)
4 of 80 tracked investors hold TFC. Each row is the investor's latest 13F; change is vs their prior-quarter share count.
| Investor | Firm | % of portfolio | Value | Change |
|---|---|---|---|---|
| Tweedy Browne | 2.06% | $27.2M | Reduced -2.0% | |
| Christopher Davis | Davis Advisors | 0.04% | $10.4M | Reduced -7.3% |
| Dodge & Cox Funds | Dodge & Cox | <0.01% | $954K | Unchanged |
| Bill Nygren | Oakmark Funds | <0.01% | $933K | Reduced -17.2% |
Insider sales (SEC Form 4, open-market, last ~7 months) (TFC)
0 of 3 under a Rule 10b5-1 trading plan (scheduled in advance). Unplanned sales were timed by the insider.
| Trade date | Insider | Role | Shares | Value | % of holdings sold | 10b5-1 plan | Insider type |
|---|---|---|---|---|---|---|---|
| 2026-07-31 | Wilson Donta L | Chief Consumer & SB BK Officer | 13,280 | $689K | 17.4% | No | Too little history (no open-market trades in 2023–2025) |
| 2026-07-23 | Boyer K. David Jr. | Director | 3,986 | $202K | 21.7% | No | Too little history (no open-market trades in 2023) |
| 2026-07-20 | Rogers William H Jr | Chairman & CEO | 13,250 | $694K | 1.1% | No | Too little history (no open-market trades in 2025) |
% of holdings sold = shares sold ÷ (shares sold + all holdings the insider reported on that Form 4, direct and through trusts).
Insider type follows Cohen, Malloy & Pomorski (Journal of Finance, 2012). An insider who traded the stock in the same calendar month in each of the past three years is a routine trader; one who traded in each of those years without such a pattern is an opportunistic trader. In their study, trades by opportunistic insiders predicted future returns and trades by routine insiders did not. Counts open-market purchases and sales only (SEC Form 4 codes P and S) by that insider in that company. Not investment advice.
Insider purchases (SEC Form 4, open-market, last ~7 months) (TFC)
1 purchase, $1.0M. Private placements, offerings, dividend reinvestment and employee stock purchase plan buys are excluded.
| Trade date | Insider | Role | Shares | Value | Avg price | Insider type |
|---|---|---|---|---|---|---|
| 2026-09-17 | Lyons Michael P. | President & CEO | 21,000 | $1.0M | 48.36 | Too little history (no open-market trades in 2023–2025) |
Analysts (TFC)
Consensus Hold (mean 2.82 on a 1–5 scale), 22 analysts; mean target USD 53.19 (low 45, high 58).
Rating changes, last 120 days:
| Date | Firm | Action | Rating | Price target |
|---|---|---|---|---|
| 2026-10-21 | Citigroup | Target lowered | Neutral | $54 → $50 |
| 2026-10-20 | Stephens & Co. | Target lowered | Overweight | $55 → $54 |
| 2026-10-19 | RBC Capital | Target lowered | Outperform | $53 → $51 |
| 2026-10-19 | Keefe, Bruyette & Woods | Target lowered | Market Perform | $55 → $54 |
| 2026-10-05 | UBS | Target lowered | Neutral | $55 → $50 |
| 2026-10-02 | JP Morgan | Target lowered | Underweight | $54 → $50.5 |
| 2026-10-01 | Evercore ISI Group | Target lowered | Outperform | $56 → $54 |
| 2026-07-29 | JP Morgan | Target raised | Underweight | $53 → $54 |
| 2026-07-21 | Stephens & Co. | Target lowered | Overweight | $59 → $57 |
| 2026-07-21 | Evercore ISI Group | Target lowered | Outperform | $57 → $56 |
| 2026-07-20 | Keefe, Bruyette & Woods | Target raised | Market Perform | $53 → $55 |
| 2026-07-20 | Baird | Target raised | Neutral | $55 → $56 |
Total return (dividends reinvested) (TFC)
| 1Y (from 2025-10-23) | 5Y (from 2021-10-18) | |
|---|---|---|
| Total return | +15.8% | -4.4% |
| S&P 500 (SPY) | +14.9% | +80.3% |
| Per year | +15.8% | -0.9% |
| Volatility (annualized) | 23.4% | 31.8% |
| Max drawdown | -20.7% (Feb 2026→Mar 2026) | -56.6% (Jan 2022→May 2023) |
TFC analyst estimates and revisions
| Period | EPS estimate | 90 days ago | Change | Revenue estimate | Analysts |
|---|---|---|---|---|---|
| Current quarter (ends Dec 2026) | $1.22 | $1.21 | +0.9% | $5.33B | 12 |
| Next quarter (ends Mar 2027) | $1.11 | $1.13 | -2.0% | $5.20B | 11 |
| Current fiscal year (ends Dec 2026) | $4.20 | $4.61 | -9.0% | $20.39B | 15 |
| Next fiscal year (ends Dec 2027) | $4.92 | $5.04 | -2.3% | $21.49B | 18 |
TFC options: expected move
| Expiration | Days | ATM implied volatility | Expected move |
|---|---|---|---|
| Nov 20, 2026 | 28 | 24.6% | ±5.9% |
| Dec 18, 2026 | 56 | 24.7% | ±7.8% |
| Jan 15, 2027 | 84 | 24.6% | ±9.5% |
| Mar 19, 2027 | 147 | 25.0% | ±12.6% |
| Jun 17, 2027 | 237 | 26.3% | ±16.6% |
| Sep 17, 2027 | 329 | 24.6% | ±18.0% |
30-day implied volatility 23.4% vs 22% realized over the last 30 trading days. Put/call ratio (volume) 0.23. Cboe delayed quotes (15 min). Expected move = at-the-money straddle.
Key Statistics (as of October 23, 2026 at 08:39 UTC)
| Price | USD 48.42 |
|---|---|
| Change | ▲ 1.45% (up) |
| Previous Close | USD 47.73 |
| Open | USD 47.58 |
| Day Range | USD 47.44 – 48.44 |
| 52-Week Range | USD 43.13 – 56.2 |
| Volume | 6,336,509 shares |
| Market Cap | $59.15B |
| Exchange | NYQ |
Technical Analysis (TFC)
Nexqual's technical model rates TFC "NEUTRAL" based on 3 bullish and 4 bearish signals across 127 daily candles, as of October 23, 2026 at 08:39 UTC.
| Overall Signal | NEUTRAL |
|---|---|
| RSI (14) | 54.03 (neutral) |
| vs SMA50 | Below (USD 48.78) |
| MACD | -0.34 (negative) |
Analyst Ratings (TFC)
Wall Street analysts rate TFC "Hold" based on 22 analysts, with a mean price target of USD 53.19 (range USD 45–58), per Nexqual as of October 23, 2026 at 08:39 UTC.
| Consensus Rating | Hold |
|---|---|
| Analyst Count | 22 |
| Mean Target | USD 53.19 |
| High Target | USD 58 |
| Low Target | USD 45 |
| Buy / Hold / Sell | 7 / 12 / 3 |
Earnings (TFC)
| Next Earnings Date | 2026-10-16 |
|---|---|
| EPS Estimate | USD 1.2 |
| Revenue Estimate | $5.33B |
Recent Earnings History
| Quarter | Actual vs Estimate |
|---|---|
| 2026-09-30 | USD 0.56 vs est 1.21 ▼ miss |
| 2026-06-30 | USD 1.23 vs est 1.08 ▲ beat |
| 2026-03-31 | USD 1.09 vs est 0.99 ▲ beat |
| 2025-12-31 | USD 1 vs est 1.09 ▼ miss |
Source: Nexqual, October 23, 2026 at 08:39 UTC.
Financials & Fundamentals (TFC)
| Total Revenue | $18.28B |
|---|---|
| Revenue Growth (latest quarter, YoY) | -15.80% |
| Gross Margin | +0.00% |
| Operating Margin | +25.45% |
| Profit Margin | +28.38% |
| ROE | +8.16% |
| Total Cash | $54.59B |
| Total Debt | $65.79B |
Source: Nexqual, October 23, 2026 at 08:39 UTC.
Financial Health Score (TFC)
Nexqual rates Truist Financial Corporation's overall financial health "Solid" across five dimensions, as of October 23, 2026 at 08:39 UTC.
| Growth | Strong — Revenue +52% YoY (annual) |
|---|---|
| Profitability | Strong — Net margin 24% (last 12 months); banks have no gross margin |
| Balance Sheet | N/A — Not comparable for banks: deposits and customer funds sit on the balance sheet, so cash vs debt does not measure safety (SEC industry: National Commercial Banks) |
| Cash Flow | N/A — Not meaningful for banks and lenders: lending and trading move operating cash flow by billions each year (SEC industry: National Commercial Banks) |
| Efficiency | Mixed — ROE 8%, ROA 0.9% |
Ownership (TFC)
| Insider Ownership | +0.18% |
|---|---|
| Institutional Ownership | +79.79% |
| Shares Outstanding | 1.22B |
| Float | 1.20B |
| Short % of Float | +2.48% |
Source: Nexqual, October 23, 2026 at 08:39 UTC.
Leadership (TFC)
Truist Financial Corporation is led by Michael Patrick Lyons, President, CEO & Director, per Nexqual as of October 23, 2026 at 08:39 UTC.
| President, CEO & Director | Michael Patrick Lyons |
|---|---|
| Executive Chairman | William Henry Rogers |
| Senior EVP & CFO | Michael Baron Maguire |
| Chief Technology & Operations Officer | Steve Hagerman |
Major Backers & Investors (TFC)
Notable institutional backers of Truist Financial Corporation include Capital International Investors, WASHINGTON MUTUAL INVESTORS FUND, Bank of America Corporation, according to Nexqual as of October 23, 2026 at 08:39 UTC.
Active Investors
| Investor | Stake |
|---|---|
| Capital International Investors | 7.64% |
| WASHINGTON MUTUAL INVESTORS FUND | 3.3% |
| Bank of America Corporation | 3.02% |
| Morgan Stanley | 1.85% |
| AMERICAN FUNDS FUNDAMENTAL INVESTORS | 1.83% |
| Charles Schwab Investment Management, Inc. | 1.44% |
Index Funds (Passive)
| Fund | Stake |
|---|---|
| Vanguard Group | 10.09% |
| BlackRock | 8.15% |
| State Street | 4.8% |
| Geode Capital | 2.61% |
Source: Nexqual, October 23, 2026 at 08:39 UTC.
From Truist Financial Corporation's Latest SEC 10-K Filing (filed 2026-02-24)
Partnerships
- The FRB has authority to prohibit BHCs and their subsidiaries from conducting activities that constitute unsafe or unsound practices or violations of statute, rule, regulation, administrative order, or written agreement with a U.S. banking agency.
Legal & Regulatory Risks (Item 1A, quoted)
- The Company may incur damages, fines, and penalties and face other negative consequences from supervisory actions and regulatory or other legal violations, including inadvertent or unintentional violations.
- Regulatory capital and liquidity standards applicable to large banking organizations and future revisions to existing standards may negatively impact our business, financial results, financial condition, growth, profitability, or our ability to return capital to shareholders.
- Differences in, or changes to, regulation and supervision and industry disruption can affect the Company's ability to compete effectively, which may adversely affect our business, financial condition, financial results, or growth.
Source: SEC EDGAR 10-K, official filing. Curated by Nexqual.
Peers & Related Stocks
| Symbol | Name | Price | Change |
|---|---|---|---|
| DB | Deutsche Bank AG | USD 31.48 | ▼ 2.39% |
| NWG | NatWest Group plc | USD 16.99 | ▼ 2.3% |
| NU | Nu Holdings Ltd. | USD 14.73 | ▼ 2.13% |
| FITB | Fifth Third Bancorp | USD 53.23 | ▲ 0.8% |
| LYG | Lloyds Banking Group Plc | USD 5.38 | ▼ 2% |
| BBD | Banco Bradesco Sa | USD 3.95 | ▼ 2.47% |
Data source: Nexqual — market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: October 23, 2026 at 08:39 UTC. This page is informational and not investment advice.
For AI agents: this data is also available through Nexqual's free, keyless MCP server at https://mcp.nexqual.com/mcp; every result includes source_url, as_of and cite_as. More: nexqual.com/agents · llms.txt