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6Apr 17, 2026·SEC
Jan 27, 2026·SEC
Jan 21, 2026·SEC
Truist Financial Corporation (TFC) fundamental analysis — strengths, weaknesses & financial health based on data analysis
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Truist Financial Corporation (TFC) stock price & volume — 10-year historical chart
Truist Financial Corporation (TFC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Truist Financial Corporation (TFC) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 17, 2026 | $1.09vs $1.00+9.3% | $5.2Bvs $5.2B+0.4% |
| Q1 2026 | Jan 21, 2026 | $1.00vs $1.09-8.3% | $5.3Bvs $5.3B-0.2% |
| Q4 2025 | Oct 17, 2025 | $1.04vs $0.99+4.5% | $5.2Bvs $5.2B-0.0% |
| Q3 2025 | Jul 18, 2025 | $0.91vs $0.92-1.4% | $5.0Bvs $5.0B-0.5% |
Truist Financial Corporation (TFC) competitors in Banks with large fee businesses — business model, growth, and fundamentals comparison
Truist Financial Corporation (TFC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Truist Financial Corporation (TFC) annual income statement — 10-year revenue, gross profit & net income history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Net Interest Income | 6.54B | 6.68B | 7.31B | 13.83B | 13.01B | 14.31B | 14.52B | 14.09B | 14.42B |
NII Growth % | 3.39% | 2.25% | 9.44% | 89.06% | -5.93% | 10.05% | 1.47% | -2.98% | 2.36% |
Net Interest Margin % | 2.95% | 2.96% | 1.55% | 2.72% | 2.4% | 2.58% | 2.71% | 2.65% | 2.63% |
Interest Income | 7.37B | 8.12B | 9.41B | 15.55B | 13.77B | 16.63B | 24.45B | 25.07B | 24.54B |
Interest Expense | 839M | 1.44B | 2.1B | 1.72B | 768M | 2.32B | 9.93B | 10.97B | 10.12B |
Loan Loss Provision | 547M | 566M | 615M | 2.33B | -813M | 777M | 2.11B | 1.87B | 1.38B |
Non-Interest Income | 4.78B | 4.88B | 5.25B | 8.88B | 9.29B | 5.66B | 5.5B | -813M | 5.9B |
Non-Interest Income % | 39.34% | 37.52% | 35.84% | 36.35% | 40.28% | 25.39% | 18.36% | -3.35% | 19.37% |
Total Revenue | 12.16B▲ 0% | 13B▲ 6.9% | 14.66B▲ 12.8% | 24.43B▲ 66.6% | 23.06B▼ 5.6% | 22.29B▼ 3.3% | 29.95B▲ 34.3% | 24.25B▼ 19.0% | 30.44B▲ 25.5% |
Revenue Growth % | 5.36% | 6.91% | 12.83% | 66.58% | -5.58% | -3.34% | 34.34% | -19.02% | 25.5% |
Non-Interest Expense | 7.44B | 6.93B | 7.93B | 14.9B | 15.12B | 12.17B | 18.68B | 12.01B | 12.59B |
Efficiency Ratio | 61.24% | 53.34% | 54.11% | 60.99% | 65.54% | 54.58% | 62.36% | 49.52% | 41.36% |
Operating Income | 3.33B▲ 0% | 4.06B▲ 22.1% | 4.02B▼ 1.0% | 5.47B▲ 36.2% | 7.99B▲ 46.0% | 7.03B▼ 12.1% | -765M▼ 110.9% | -601M▲ 21.4% | 6.35B▲ 1156.4% |
Operating Margin % | 27.36% | 31.24% | 27.41% | 22.41% | 34.66% | 31.53% | -2.55% | -2.48% | 20.86% |
Operating Income Growth % | -4.97% | 22.07% | -1.01% | 36.18% | 46.04% | -12.06% | -110.88% | 21.44% | 1156.41% |
Pretax Income | 3.33B▲ 0% | 4.06B▲ 22.1% | 4.02B▼ 1.0% | 5.47B▲ 36.2% | 7.99B▲ 46.0% | 7.03B▼ 12.1% | -765M▼ 110.9% | -601M▲ 21.4% | 6.35B▲ 1156.4% |
Pretax Margin % | 27.36% | 31.24% | 27.41% | 22.41% | 34.66% | 31.53% | -2.55% | -2.48% | 20.86% |
Income Tax | 911M | 803M | 782M | 981M | 1.56B | 1.25B | 738M | -556M | 1.04B |
Effective Tax Rate % | 27.39% | 19.78% | 19.46% | 17.92% | 19.47% | 17.78% | -96.47% | 92.51% | 16.41% |
Net Income | 2.39B▲ 0% | 3.24B▲ 35.2% | 3.22B▼ 0.4% | 4.48B▲ 39.0% | 6.44B▲ 43.7% | 6.26B▼ 2.8% | -1.09B▼ 117.4% | 4.82B▲ 541.6% | 5.31B▲ 10.1% |
Net Margin % | 19.69% | 24.91% | 21.99% | 18.35% | 27.92% | 28.08% | -3.64% | 19.87% | 17.44% |
Net Income Growth % | -1.32% | 35.21% | -0.4% | 39.02% | 43.69% | -2.79% | -117.43% | 541.61% | 10.15% |
Net Income (Continuing) | 2.42B | 3.26B | 3.24B | 4.49B | 6.44B | 5.78B | -1.5B | -45M | 5.31B |
EPS (Diluted) | 2.74▲ 0% | 3.91▲ 42.7% | 3.71▼ 5.1% | 3.08▼ 17.0% | 4.47▲ 45.1% | 4.43▼ 0.9% | -1.09▼ 124.6% | 3.36▲ 408.3% | 3.82▲ 13.7% |
EPS Growth % | -1.08% | 42.7% | -5.12% | -16.98% | 45.13% | -0.89% | -124.61% | 408.26% | 13.69% |
EPS (Basic) | 2.78 | 3.96 | 3.76 | 3.11 | 4.51 | 4.46 | -1.09 | 3.36 | 3.86 |
Diluted Shares Outstanding | 810.98M | 783.48M | 815.2M | 1.36B | 1.35B | 1.34B | 1.33B | 1.33B | 1.29B |
Truist Financial Corporation (TFC) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash & Short Term Investments | 27.26B | 28.88B | 93.79B | 139.66B | 173.42B | 93.22B | 97.6B | 44.32B | 45.37B |
Cash & Due from Banks | 2.71B | 3.84B | 19.07B | 18.87B | 20.3B | 21.42B | 30.23B | 39.77B | 36.38B |
Short Term Investments | 24.55B | 25.04B | 74.73B | 120.79B | 153.12B | 71.8B | 67.37B | 4.55B | 8.99B |
Total Investments | 188.98B | 192.65B | 381.1B | 427.22B | 449.73B | 456.11B | 440.2B | 423.65B | 121.22B |
Investments Growth % | 1.89% | 1.94% | 97.82% | 12.1% | 5.27% | 1.42% | -3.49% | -3.76% | -71.39% |
Long-Term Investments | 164.44B | 167.61B | 306.37B | 306.44B | 296.61B | 384.31B | 372.83B | 419.1B | 112.23B |
Accounts Receivables | 0 | 1.12B | 2.42B | 1.83B | 2.24B | 2.68B | 997M | 1.9B | 325.45B |
Goodwill & Intangibles | 11.38B | 11.7B | 29.93B | 29.45B | 32.14B | 34.44B | 22.44B | 22.38B | 18.38B |
Goodwill | 9.62B | 9.82B | 24.15B | 24.45B | 26.1B | 27.01B | 17.16B | 17.13B | 17.13B |
Intangible Assets | 1.77B | 1.88B | 5.77B | 5.01B | 6.04B | 7.43B | 5.29B | 5.26B | 1.26B |
PP&E (Net) | 2.06B | 3.49B | 7.43B | 7.01B | 6.96B | 6.88B | 6B | 5.59B | 3.17B |
Other Assets | 14.61B | 6.98B | 18.52B | 15.97B | 20.62B | 20.44B | 21.38B | 23.5B | 42.94B |
Total Current Assets | 29.16B | 35.91B | 110.83B | 150.35B | 184.91B | 106.16B | 109.66B | 58.66B | 370.81B |
Total Non-Current Assets | 192.48B | 189.79B | 362.25B | 358.87B | 356.33B | 449.1B | 425.69B | 472.52B | 176.72B |
Total Assets | 221.64B▲ 0% | 225.7B▲ 1.8% | 473.08B▲ 109.6% | 509.23B▲ 7.6% | 541.24B▲ 6.3% | 555.25B▲ 2.6% | 535.35B▼ 3.6% | 531.18B▼ 0.8% | 547.54B▲ 3.1% |
Asset Growth % | 1.08% | 1.83% | 109.61% | 7.64% | 6.29% | 2.59% | -3.58% | -0.78% | 3.08% |
Return on Assets (ROA) | 1.09% | 1.45% | 0.92% | 0.91% | 1.23% | 1.14% | -0.2% | 0.9% | 0.98% |
Accounts Payable | 5.99B | 5.43B | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Total Debt | 28.59B | 28.89B | 58.88B | 45.3B | 40.89B | 65.07B | 62.12B | 62.27B | 69.8B |
Net Debt | 25.87B | 25.04B | 39.81B | 26.44B | 20.59B | 43.65B | 31.89B | 22.5B | 33.42B |
Long-Term Debt | 23.65B | 23.71B | 41.34B | 39.6B | 35.91B | 43.2B | 38.92B | 34.96B | 41.96B |
Short-Term Debt | 4.94B | 5.18B | 17.54B | 5.71B | 4.97B | 21.87B | 23.2B | 27.31B | 27.84B |
Other Liabilities | 0 | 0 | 12.92B | 11.94B | 14.6B | 16.15B | 18.11B | 14.71B | 12.15B |
Total Current Liabilities | 168.3B | 171.81B | 352.26B | 386.78B | 421.46B | 435.37B | 419.07B | 417.83B | 428.24B |
Total Non-Current Liabilities | 23.65B | 23.71B | 54.26B | 51.53B | 50.51B | 59.35B | 57.03B | 49.66B | 54.11B |
Total Liabilities | 191.95B | 195.52B | 406.52B | 438.32B | 471.97B | 494.72B | 476.1B | 467.5B | 482.35B |
Total Equity | 29.7B▲ 0% | 30.18B▲ 1.6% | 66.56B▲ 120.6% | 70.91B▲ 6.5% | 69.27B▼ 2.3% | 60.54B▼ 12.6% | 59.25B▼ 2.1% | 63.68B▲ 7.5% | 65.19B▲ 2.4% |
Equity Growth % | -0.77% | 1.63% | 120.55% | 6.54% | -2.31% | -12.61% | -2.12% | 7.47% | 2.37% |
Equity / Assets (Capital Ratio) | 13.4% | 13.37% | 14.07% | 13.93% | 12.8% | 10.9% | 11.07% | 11.99% | 11.91% |
Return on Equity (ROE) | 8.03% | 10.81% | 6.67% | 6.52% | 9.19% | 9.64% | -1.82% | 7.84% | 8.24% |
Book Value per Share | 36.62 | 38.52 | 81.65 | 52.21 | 51.34 | 45.23 | 44.49 | 47.84 | 50.73 |
Tangible BV per Share | 22.58 | 23.59 | 44.94 | 30.52 | 27.52 | 19.50 | 27.64 | 31.02 | 36.42 |
Common Stock | 3.91B | 3.82B | 6.71B | 6.75B | 6.64B | 6.63B | 6.67B | 6.58B | 6.31B |
Additional Paid-in Capital | 7.89B | 6.85B | 35.61B | 35.84B | 34.56B | 34.54B | 36.18B | 35.63B | 33.66B |
Retained Earnings | 16.26B | 18.12B | 19.81B | 19.45B | 23B | 26.26B | 22.09B | 23.78B | 26.07B |
Accumulated OCI | -1.47B | -1.72B | -844M | 716M | -1.6B | -13.6B | -12.51B | -8.21B | -5.77B |
Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Preferred Stock | 3.05B | 3.05B | 5.1B | 8.05B | 6.67B | 6.67B | 6.67B | 5.91B | 4.92B |
Truist Financial Corporation (TFC) cash flow — operating, investing & free cash flow history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | 4.63B | 4.35B | 1.52B | 7.44B | 7.89B | 11.08B | 8.63B | 2.16B | 5.74B |
Operating CF Growth % | 48.8% | -6.17% | -65.05% | 389.28% | 6.12% | 40.41% | -22.11% | -74.93% | 165.2% |
Net Income | 2.42B | 3.26B | 3.24B | 4.49B | 6.44B | 6.27B | -1.05B | 4.84B | 5.31B |
Depreciation & Amortization | 550M | 555M | 630M | 1.61B | 1.38B | 1.37B | 1.22B | 979M | 837M |
Deferred Taxes | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Other Non-Cash Items | 820M | 37M | 666M | 1.08B | -584M | -1.54B | 8.19B | 4.5B | 2.44B |
Working Capital Changes | 718M | 359M | -3.18B | -97M | 655M | 4.99B | 271M | -8.15B | -2.85B |
Cash from Investing | -5.41B | -4.96B | 8.35B | -43.65B | -32.06B | -29.97B | 22.86B | 18.6B | -17.76B |
Purchase of Investments | -16.36B | -4.72B | -42.65B | -72.81B | -70.78B | -12.38B | -4.23B | -44.74B | -14.47B |
Sale/Maturity of Investments | 12.31B | 6.5B | 44.08B | 29.9B | 34.12B | 20.75B | 13.96B | 46.32B | 22.92B |
Net Investment Activity | -4.05B | 1.78B | 1.43B | -42.91B | -36.66B | 8.38B | 9.73B | 1.58B | 8.45B |
Acquisitions | 0 | -296M | 6.26B | -2.44B | -1.64B | -4.67B | -17M | 12.17B | 0 |
Other Investing | -1.36B | -6.08B | 886M | 2.51B | 6.68B | -33.11B | 13.14B | 4.84B | -26.21B |
Cash from Financing | -549M | 1.5B | 5.35B | 36.02B | 25.59B | 20.02B | -22.27B | -11.64B | 8.63B |
Dividends Paid | -1.18B | -1.38B | -1.46B | -2.73B | -2.85B | -2.99B | -3.13B | -3.13B | -3B |
Share Repurchases | -1.61B | -1.21B | -1.73B | -500M | -3.03B | -250M | 0 | -1.75B | -2.5B |
Stock Issued | 0 | 0 | 1.68B | 3.45B | 0 | 0 | 0 | 0 | 0 |
Net Stock Activity | -1.61B | -1.21B | -42M | 2.95B | -3.03B | -250M | 0 | -1.75B | -2.5B |
Debt Issuance (Net) | 1000K | 1000K | 1000K | -1000K | -1000K | 1000K | -1000K | 1000K | 1000K |
Other Financing | -2.72B | 3.61B | 2.74B | 49.55B | 35.51B | -3.28B | -16.46B | -7.11B | 9.8B |
Net Change in Cash | -1.32B▲ 0% | 888M▲ 167.1% | 15.22B▲ 1614.1% | -197M▼ 101.3% | 1.43B▲ 824.4% | 1.13B▼ 21.1% | 9.22B▲ 719.1% | 9.12B▼ 1.1% | -3.39B▼ 137.2% |
Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Cash at Beginning | 4.28B | 2.96B | 3.84B | 19.07B | 18.87B | 20.3B | 21.42B | 30.64B | 39.77B |
Cash at End | 2.96B | 3.84B | 19.07B | 18.87B | 20.3B | 21.42B | 30.64B | 39.77B | 36.38B |
Interest Paid | 819M | 1.41B | 1.92B | 1.83B | 859M | 2.01B | 9.14B | 11.34B | 10.07B |
Income Taxes Paid | 429M | 99M | 443M | 126M | 792M | 479M | 780M | 830M | 192M |
Free Cash Flow | 4.63B▲ 0% | 3.99B▼ 14.0% | 1.3B▼ 67.5% | 6.62B▲ 411.0% | 7.45B▲ 12.5% | 10.52B▲ 41.2% | 8.63B▼ 17.9% | 2.16B▼ 74.9% | 5.74B▲ 165.2% |
FCF Growth % | 48.8% | -14% | -67.49% | 410.96% | 12.5% | 41.17% | -17.93% | -74.93% | 165.2% |
Truist Financial Corporation (TFC) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
Return on Equity (ROE) | 8.47% | 8.03% | 10.81% | 6.67% | 6.52% | 9.19% | 9.64% | -1.82% | 7.84% | 8.24% |
Return on Assets (ROA) | 1.13% | 1.09% | 1.45% | 0.92% | 0.91% | 1.23% | 1.14% | -0.2% | 0.9% | 0.98% |
Net Interest Margin | 2.88% | 2.95% | 2.96% | 1.55% | 2.72% | 2.4% | 2.58% | 2.71% | 2.65% | 2.63% |
Efficiency Ratio | 58.25% | 61.24% | 53.34% | 54.11% | 60.99% | 65.54% | 54.58% | 62.36% | 49.52% | 41.36% |
Equity / Assets | 13.65% | 13.4% | 13.37% | 14.07% | 13.93% | 12.8% | 10.9% | 11.07% | 11.99% | 11.91% |
Book Value / Share | 36.72 | 36.62 | 38.52 | 81.65 | 52.21 | 51.34 | 45.23 | 44.49 | 47.84 | 50.73 |
NII Growth | 13.04% | 3.39% | 2.25% | 9.44% | 89.06% | -5.93% | 10.05% | 1.47% | -2.98% | 2.36% |
Dividend Payout | 38.13% | 41.98% | 37.19% | 40.6% | 54.08% | 38.59% | 42.43% | - | 57.49% | 50.35% |
Truist Financial Corporation (TFC) SEC filings — annual & quarterly reports (10-K, 10-Q)
Apr 17, 2026·SEC
Jan 27, 2026·SEC
Jan 21, 2026·SEC
Feb 24, 2026·SEC
Truist Financial Corporation (TFC) stock FAQ — growth, dividends, profitability & financials explained
Truist Financial Corporation (TFC) grew revenue by 25.5% over the past year. This is strong growth.
Yes, Truist Financial Corporation (TFC) is profitable, generating $5.31B in net income for fiscal year 2025 (17.4% net margin).
Yes, Truist Financial Corporation (TFC) pays a dividend with a yield of 4.30%. This makes it attractive for income-focused investors.
Truist Financial Corporation (TFC) has a return on equity (ROE) of 8.2%. This is below average, suggesting room for improvement.
Truist Financial Corporation (TFC) has a net interest margin (NIM) of 2.6%. NIM has been under pressure due to interest rate environment.
Truist Financial Corporation (TFC) has an efficiency ratio of 41.4%. This is excellent, indicating strong cost control.