TFC
Truist Financial Corporation
Banks - Regional
Market Cap$66.85B
5Y Perf.+38.1%
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Stock Comparison
TFC vs USB
Revenue, margins, valuation, and 5-year total return — side by side.
USB
U.S. Bancorp
Banks - Regional
Market Cap$87.33B
5Y Perf.+57.9%
TFC vs USB — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | TFC | USB |
|---|---|---|
| Industry | Banks - Regional | Banks - Regional |
| Market Cap | $66.85B | $87.33B |
| Revenue (TTM) | $24.25B | $42.86B |
| Net Income (TTM) | $5.23B | $7.58B |
| Gross Margin | 47.0% | 62.8% |
| Operating Margin | -2.5% | 22.2% |
| Forward P/E | 11.2x | 11.0x |
| Total Debt | $62.27B | $77.93B |
| Cash & Equiv. | $39.77B | $46.89B |
TFC vs USB — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
TFC
USB
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Truist Financial Co… (TFC) | 100 | 138.1 | +38.1% |
| U.S. Bancorp (USB) | 100 | 157.9 | +57.9% |
Price return only. Dividends and distributions are not included.
Quick Verdict: TFC vs USB
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: USB leads in 6 of 7 categories, making it the strongest pick for growth and revenue expansion and valuation and capital efficiency. Truist Financial Corporation is the stronger pick specifically for dividend income and shareholder returns. As sector peers, any of these can serve as alternatives in the same allocation.
TFC
Truist Financial Corporation
The Banking Pick
TFC is the clearest fit if your priority is long-term compounding and bank quality.
- 101.7% 10Y total return vs USB's 74.4%
- NIM 2.7% vs USB's 2.4%
- 4.1% yield; 10-year raise streak; the other pay no meaningful dividend
Best for: long-term compounding and bank quality
USB
U.S. Bancorp
The Banking Pick
USB carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- Dividend streak 14 yrs, beta 1.01
- Rev growth 0.3%, EPS growth 21.6%
- Lower volatility, beta 1.01, current ratio 2.73x
Best for: income & stability and growth exposure
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | USB | 0.3% NII/revenue growth vs TFC's -19.0% |
| Value | USB | Lower P/E (11.0x vs 11.2x) |
| Quality / Margins | USB | Efficiency ratio 0.4% vs TFC's 0.5% (lower = leaner) |
| Stability / Safety | USB | Beta 1.01 vs TFC's 1.07 |
| Dividends | TFC | 4.1% yield; 10-year raise streak; the other pay no meaningful dividend |
| Momentum (1Y) | USB | +42.1% vs TFC's +35.7% |
| Efficiency (ROA) | USB | Efficiency ratio 0.4% vs TFC's 0.5% |
TFC vs USB — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2016
FY 2024
TFC vs USB — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLUSBLAGGINGTFC
TFCTruist Financial Corp…
0leads
USBU.S. Bancorp
6leads
6 Total Categories
CATEGORYLEADERvs TFCMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
USB3/4
Valuation MetricsMultiples, price ratios, and targets
USB4/5
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
USB6/9
Total Returns1Y, 3Y, 5Y total returns with dividends
USB5/6
Risk & VolatilityBeta, volatility, and downside exposure
USB2/2
Analyst OutlookRatings, price targets, and dividends
USB1/1
Income & Cash Flow (Last 12 Months)
USB leads this category, winning 3 of 4 comparable metrics.
Income & Cash Flow (Last 12 Months)
USB is the larger business by revenue, generating $42.9B annually — 1.8x TFC's $24.3B. Profitability is closely matched — net margins range from 19.9% (TFC) to 17.7% (USB).
| Metric | TFCTruist Financial … | USBU.S. Bancorp |
|---|---|---|
| RevenueTrailing 12 months | $24.3B | $42.9B |
| EBITDAEarnings before interest/tax | $7.2B | $10.3B |
| Net IncomeAfter-tax profit | $5.2B | $7.6B |
| Free Cash FlowCash after capex | $3.9B | $5.1B |
| Gross MarginGross profit ÷ Revenue | +47.0% | +62.8% |
| Operating MarginEBIT ÷ Revenue | -2.5% | +22.2% |
| Net MarginNet income ÷ Revenue | +19.9% | +17.7% |
| FCF MarginFCF ÷ Revenue | +8.9% | — |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | -9.1% | +24.8% |
USB leads this category, winning 3 of 4 comparable metrics.
Valuation Metrics
USB leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
At 12.2x trailing earnings, USB trades at a 19% valuation discount to TFC's 15.1x P/E. On an enterprise value basis, USB's 11.5x EV/EBITDA is more attractive than TFC's 236.4x.
| Metric | TFCTruist Financial … | USBU.S. Bancorp |
|---|---|---|
| Market CapShares × price | $66.8B | $87.3B |
| Enterprise ValueMkt cap + debt − cash | $89.3B | $118.4B |
| Trailing P/EPrice ÷ TTM EPS | 15.12x | 12.18x |
| Forward P/EPrice ÷ next-FY EPS est. | 11.20x | 11.04x |
| PEG RatioP/E ÷ EPS growth rate | — | 1.43x |
| EV / EBITDAEnterprise value multiple | 236.37x | 11.50x |
| Price / SalesMarket cap ÷ Revenue | 2.76x | 2.04x |
| Price / BookPrice ÷ Book value/share | 1.06x | 1.33x |
| Price / FCFMarket cap ÷ FCF | 30.89x | — |
USB leads this category, winning 4 of 5 comparable metrics.
Profitability & Efficiency
USB leads this category, winning 6 of 9 comparable metrics.
Profitability & Efficiency
USB delivers a 11.5% return on equity — every $100 of shareholder capital generates $12 in annual profit, vs $8 for TFC. TFC carries lower financial leverage with a 0.98x debt-to-equity ratio, signaling a more conservative balance sheet compared to USB's 1.19x. On the Piotroski fundamental quality scale (0–9), USB scores 5/9 vs TFC's 4/9, reflecting solid financial health.
| Metric | TFCTruist Financial … | USBU.S. Bancorp |
|---|---|---|
| ROE (TTM)Return on equity | +8.0% | +11.5% |
| ROA (TTM)Return on assets | +1.0% | +1.1% |
| ROICReturn on invested capital | -0.4% | +5.2% |
| ROCEReturn on capital employed | -0.5% | +2.3% |
| Piotroski ScoreFundamental quality 0–9 | 4 | 5 |
| Debt / EquityFinancial leverage | 0.98x | 1.19x |
| Net DebtTotal debt minus cash | $22.5B | $31.0B |
| Cash & Equiv.Liquid assets | $39.8B | $46.9B |
| Total DebtShort + long-term debt | $62.3B | $77.9B |
| Interest CoverageEBIT ÷ Interest expense | 0.62x | 0.66x |
USB leads this category, winning 6 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
USB leads this category, winning 5 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in USB five years ago would be worth $10,718 today (with dividends reinvested), compared to $9,987 for TFC. Over the past 12 months, USB leads with a +42.1% total return vs TFC's +35.7%. The 3-year compound annual growth rate (CAGR) favors USB at 27.8% vs TFC's 25.7% — a key indicator of consistent wealth creation.
| Metric | TFCTruist Financial … | USBU.S. Bancorp |
|---|---|---|
| YTD ReturnYear-to-date | +3.2% | +5.1% |
| 1-Year ReturnPast 12 months | +35.7% | +42.1% |
| 3-Year ReturnCumulative with dividends | +98.4% | +109.0% |
| 5-Year ReturnCumulative with dividends | -0.1% | +7.2% |
| 10-Year ReturnCumulative with dividends | +101.7% | +74.4% |
| CAGR (3Y)Annualised 3-year return | +25.7% | +27.8% |
USB leads this category, winning 5 of 6 comparable metrics.
Risk & Volatility
USB leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
USB is the less volatile stock with a 1.01 beta — it tends to amplify market swings less than TFC's 1.07 beta. A beta below 1.0 means the stock typically moves less than the S&P 500.
| Metric | TFCTruist Financial … | USBU.S. Bancorp |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.07x | 1.01x |
| 52-Week HighHighest price in past year | $56.20 | $61.19 |
| 52-Week LowLowest price in past year | $38.27 | $40.89 |
| % of 52W HighCurrent price vs 52-week peak | +90.4% | +91.8% |
| RSI (14)Momentum oscillator 0–100 | 51.9 | 51.5 |
| Avg Volume (50D)Average daily shares traded | 8.6M | 9.1M |
USB leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
USB leads this category, winning 1 of 1 comparable metric.
Analyst Outlook
Wall Street rates TFC as "Buy" and USB as "Hold". Consensus price targets imply 13.6% upside for USB (target: $64) vs 13.3% for TFC (target: $58). TFC is the only dividend payer here at 4.10% yield — a key consideration for income-focused portfolios.
| Metric | TFCTruist Financial … | USBU.S. Bancorp |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Hold |
| Price TargetConsensus 12-month target | $57.56 | $63.82 |
| # AnalystsCovering analysts | 54 | 49 |
| Dividend YieldAnnual dividend ÷ price | +4.1% | — |
| Dividend StreakConsecutive years of raises | 10 | 14 |
| Dividend / ShareAnnual DPS | $2.08 | — |
| Buyback YieldShare repurchases ÷ mkt cap | +2.6% | 0.0% |
USB leads this category, winning 1 of 1 comparable metric.
Key Takeaway
USB leads in 6 of 6 categories — strongest in Income & Cash Flow and Valuation Metrics.
Best OverallU.S. Bancorp (USB)Leads 6 of 6 categories
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TFC vs USB: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is TFC or USB a better buy right now?
For growth investors, U.
S. Bancorp (USB) is the stronger pick with 0. 3% revenue growth year-over-year, versus -19. 0% for Truist Financial Corporation (TFC). U. S. Bancorp (USB) offers the better valuation at 12. 2x trailing P/E (11. 0x forward), making it the more compelling value choice. Analysts rate Truist Financial Corporation (TFC) a "Buy" — based on 54 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — TFC or USB?
On trailing P/E, U.
S. Bancorp (USB) is the cheapest at 12. 2x versus Truist Financial Corporation at 15. 1x. On forward P/E, U. S. Bancorp is actually cheaper at 11. 0x.
03Which is the better long-term investment — TFC or USB?
Over the past 5 years, U.
S. Bancorp (USB) delivered a total return of +7. 2%, compared to -0. 1% for Truist Financial Corporation (TFC). Over 10 years, the gap is even starker: TFC returned +101. 7% versus USB's +74. 4%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — TFC or USB?
By beta (market sensitivity over 5 years), U.
S. Bancorp (USB) is the lower-risk stock at 1. 01β versus Truist Financial Corporation's 1. 07β — meaning TFC is approximately 6% more volatile than USB relative to the S&P 500. On balance sheet safety, Truist Financial Corporation (TFC) carries a lower debt/equity ratio of 98% versus 119% for U. S. Bancorp — giving it more financial flexibility in a downturn.
05Which is growing faster — TFC or USB?
By revenue growth (latest reported year), U.
S. Bancorp (USB) is pulling ahead at 0. 3% versus -19. 0% for Truist Financial Corporation (TFC). On earnings-per-share growth, the picture is similar: Truist Financial Corporation grew EPS 408. 3% year-over-year, compared to 21. 6% for U. S. Bancorp. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — TFC or USB?
Truist Financial Corporation (TFC) is the more profitable company, earning 19.
9% net margin versus 17. 7% for U. S. Bancorp — meaning it keeps 19. 9% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: USB leads at 22. 2% versus -2. 5% for TFC. At the gross margin level — before operating expenses — USB leads at 62. 8%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is TFC or USB more undervalued right now?
On forward earnings alone, U.
S. Bancorp (USB) trades at 11. 0x forward P/E versus 11. 2x for Truist Financial Corporation — 0. 2x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for USB: 13. 6% to $63. 82.
08Which pays a better dividend — TFC or USB?
In this comparison, TFC (4.
1% yield) pays a dividend. USB does not pay a meaningful dividend and should not be held primarily for income.
09Is TFC or USB better for a retirement portfolio?
For long-horizon retirement investors, Truist Financial Corporation (TFC) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 1.
07), 4. 1% yield, +101. 7% 10Y return). Both have compounded well over 10 years (TFC: +101. 7%, USB: +74. 4%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between TFC and USB?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
TFC pays a dividend while USB does not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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Revenue Growth>
%
(TFC: -19.0% · USB: 0.3%)Net Margin>
%
(TFC: 19.9% · USB: 17.7%)P/E Ratio<
x
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