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TFCTruist Financial Corporation
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TFC logoTruist Financial Corporation(TFC)Earnings, Financials & Key Ratios

TFC•NYSE•Banking & Credit
12.7× P/E·Price updated Jun 19, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryBanks with large fee businesses
AboutTruist Financial Corporation, a holding company, provides banking and trust services in the Southeastern and Mid-Atlantic United States. The company operates through three segments: Consumer Banking and Wealth, Corporate and Commercial Banking, and Insurance Holdings. 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; automobile lending; bankcard lending; consumer finance; home equity and mortgage lending; insurance, such as property and casualty, life, health, employee benefits, workers compensation and professional liability, surety coverage, title, and other insurance products; investment brokerage; mobile/online banking; and payment, lease financing, small business lending, and wealth management/private banking services. In addition, it offers association, capital market, institutional trust, insurance premium and commercial finance, international banking, leasing, merchant, commercial deposit and treasury, government finance, commercial middle market lending, small business and student lending, floor plan and commercial mortgage lending, mortgage warehouse lending, private equity investment, real estate lending, and supply chain financing services. Further, the company provides corporate and investment banking, retail and wholesale brokerage, securities underwriting, and investment advisory services. As of December 31, 2021, the company operated through 2,517 banking offices. 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.Show more
  • Net Interest Income$14.42B+2.4%
  • Total Revenue$30.44B+25.5%
  • Net Income$5.31B+10.1%
  • Return on Equity8.24%+5.1%
  • Net Interest Margin2.63%-0.7%
  • Efficiency Ratio41.36%-16.5%
  • ROA0.98%+8.9%
  • Equity / Assets11.91%-0.7%
  • Book Value per Share50.73+6.0%

TFC Key Insights

Truist Financial Corporation (TFC) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Strong Piotroski F-Score: 8/9
  • ✓Efficient operations: 41.4% efficiency ratio
  • ✓Well capitalized: 11.9% equity/assets
  • ✓Healthy dividend yield of 4.3%
  • ✓Share count reduced 3.5% through buybacks
  • ✓Trading at only 1.0x book value

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

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TFC Price & Volume

Truist Financial Corporation (TFC) stock price & volume — 10-year historical chart

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TFC Growth Metrics

Truist Financial Corporation (TFC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years11.1%
5 Years4.5%
3 Years10.94%
TTM-

Profit CAGR

10 Years9.8%
5 Years3.44%
3 Years-5.36%
TTM10.15%

EPS CAGR

10 Years4.08%
5 Years4.4%
3 Years-4.82%
TTM10.21%

Return on Capital

10 Years4.7%
5 Years3.35%
3 Years1.43%
Last Year5.46%

TFC Recent Earnings

Truist Financial Corporation (TFC) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 7/12 qtrs (58%)●Beat Revenue 3/12 qtrs (25%)
Q2 2026Latest
Apr 17, 2026
Metric
Actual
Est
EPS
$1.09+9.3%
$1.00
Rev
$5.2B+0.4%
$5.2B
Q1 2026
Jan 21, 2026
Metric
Actual
Est
EPS
$1.00-8.3%
$1.09
Rev
$5.3B-0.2%
$5.3B
Q4 2025
Oct 17, 2025
Metric
Actual
Est
EPS
$1.04+4.5%
$0.99
Rev
$5.2B-0.0%
$5.2B
Q3 2025
Jul 18, 2025
Metric
Actual
Est
EPS
$0.91-1.4%
$0.92
Rev
$5.0B-0.5%
$5.0B
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 17, 2026
$1.09vs $1.00+9.3%
$5.2Bvs $5.2B+0.4%
Q1 2026Jan 21, 2026
$1.00vs $1.09-8.3%
$5.3Bvs $5.3B-0.2%
Q4 2025Oct 17, 2025
$1.04vs $0.99+4.5%
$5.2Bvs $5.2B-0.0%
Q3 2025Jul 18, 2025
$0.91vs $0.92-1.4%
$5.0Bvs $5.0B-0.5%
Based on last 12 quarters of dataView full earnings history →

TFC Peer Comparison

Truist Financial Corporation (TFC) competitors in Banks with large fee businesses — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
Institutional Holdings
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
USB logoUSBU.S. BancorpDirect Competitor90.47B58.1412.610.35%17.68%12.03%1.19
PNC logoPNCThe PNC Financial Services Group, Inc.Direct Competitor91.42B232.0413.99-6.98%20.41%11.87%0.94
RF logoRFRegions Financial CorporationDirect Competitor25.19B28.6212.502.51%22.44%11.43%0.26
CFG logoCFGCitizens Financial Group, Inc.Direct Competitor29.21B67.0817.38-9.71%16.42%7.16%0.43
HBAN logoHBANHuntington Bancshares IncorporatedDirect Competitor26.69B16.8612.134.38%17.71%10.04%0.76
KEY logoKEYKeyCorpDirect Competitor24.74B22.5914.8623.56%16.35%9.26%0.54
MTB logoMTBM&T Bank CorporationDirect Competitor35.24B225.1213.24-8.18%23.16%9.88%0.45
JPM logoJPMJPMorgan Chase & Co.Product Competitor908.57B325.2216.223.31%20.35%15.95%2.60

Compare TFC vs Peers

Truist Financial Corporation (TFC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs USB

Most directly comparable listed peer for TFC.

Scale Benchmark

vs JPM

Larger-name benchmark to compare TFC against a more recognizable public peer.

Peer Set

Compare Top 5

vs USB, PNC, RF, CFG

TFC Income Statement

Truist Financial Corporation (TFC) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income
6.54B6.68B7.31B13.83B13.01B14.31B14.52B14.09B14.42B
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
7.37B8.12B9.41B15.55B13.77B16.63B24.45B25.07B24.54B
Interest Expense
839M1.44B2.1B1.72B768M2.32B9.93B10.97B10.12B
Loan Loss Provision
547M566M615M2.33B-813M777M2.11B1.87B1.38B
Non-Interest Income
4.78B4.88B5.25B8.88B9.29B5.66B5.5B-813M5.9B
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
7.44B6.93B7.93B14.9B15.12B12.17B18.68B12.01B12.59B
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
911M803M782M981M1.56B1.25B738M-556M1.04B
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)
2.42B3.26B3.24B4.49B6.44B5.78B-1.5B-45M5.31B
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)
2.783.963.763.114.514.46-1.093.363.86
Diluted Shares Outstanding
810.98M783.48M815.2M1.36B1.35B1.34B1.33B1.33B1.29B

TFC Balance Sheet

Truist Financial Corporation (TFC) balance sheet — assets, liabilities & shareholders' equity

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments
27.26B28.88B93.79B139.66B173.42B93.22B97.6B44.32B45.37B
Cash & Due from Banks
2.71B3.84B19.07B18.87B20.3B21.42B30.23B39.77B36.38B
Short Term Investments
24.55B25.04B74.73B120.79B153.12B71.8B67.37B4.55B8.99B
Total Investments
188.98B192.65B381.1B427.22B449.73B456.11B440.2B423.65B121.22B
Investments Growth %
1.89%1.94%97.82%12.1%5.27%1.42%-3.49%-3.76%-71.39%
Long-Term Investments
164.44B167.61B306.37B306.44B296.61B384.31B372.83B419.1B112.23B
Accounts Receivables
01.12B2.42B1.83B2.24B2.68B997M1.9B325.45B
Goodwill & Intangibles
11.38B11.7B29.93B29.45B32.14B34.44B22.44B22.38B18.38B
Goodwill
9.62B9.82B24.15B24.45B26.1B27.01B17.16B17.13B17.13B
Intangible Assets
1.77B1.88B5.77B5.01B6.04B7.43B5.29B5.26B1.26B
PP&E (Net)
2.06B3.49B7.43B7.01B6.96B6.88B6B5.59B3.17B
Other Assets
14.61B6.98B18.52B15.97B20.62B20.44B21.38B23.5B42.94B
Total Current Assets
29.16B35.91B110.83B150.35B184.91B106.16B109.66B58.66B370.81B
Total Non-Current Assets
192.48B189.79B362.25B358.87B356.33B449.1B425.69B472.52B176.72B
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
5.99B5.43B0000000
Total Debt
28.59B28.89B58.88B45.3B40.89B65.07B62.12B62.27B69.8B
Net Debt
25.87B25.04B39.81B26.44B20.59B43.65B31.89B22.5B33.42B
Long-Term Debt
23.65B23.71B41.34B39.6B35.91B43.2B38.92B34.96B41.96B
Short-Term Debt
4.94B5.18B17.54B5.71B4.97B21.87B23.2B27.31B27.84B
Other Liabilities
0012.92B11.94B14.6B16.15B18.11B14.71B12.15B
Total Current Liabilities
168.3B171.81B352.26B386.78B421.46B435.37B419.07B417.83B428.24B
Total Non-Current Liabilities
23.65B23.71B54.26B51.53B50.51B59.35B57.03B49.66B54.11B
Total Liabilities
191.95B195.52B406.52B438.32B471.97B494.72B476.1B467.5B482.35B
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
36.6238.5281.6552.2151.3445.2344.4947.8450.73
Tangible BV per Share
22.5823.5944.9430.5227.5219.5027.6431.0236.42
Common Stock
3.91B3.82B6.71B6.75B6.64B6.63B6.67B6.58B6.31B
Additional Paid-in Capital
7.89B6.85B35.61B35.84B34.56B34.54B36.18B35.63B33.66B
Retained Earnings
16.26B18.12B19.81B19.45B23B26.26B22.09B23.78B26.07B
Accumulated OCI
-1.47B-1.72B-844M716M-1.6B-13.6B-12.51B-8.21B-5.77B
Treasury Stock
000000000
Preferred Stock
3.05B3.05B5.1B8.05B6.67B6.67B6.67B5.91B4.92B

TFC Cash Flow Statement

Truist Financial Corporation (TFC) cash flow — operating, investing & free cash flow history

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations
4.63B4.35B1.52B7.44B7.89B11.08B8.63B2.16B5.74B
Operating CF Growth %
48.8%-6.17%-65.05%389.28%6.12%40.41%-22.11%-74.93%165.2%
Net Income
2.42B3.26B3.24B4.49B6.44B6.27B-1.05B4.84B5.31B
Depreciation & Amortization
550M555M630M1.61B1.38B1.37B1.22B979M837M
Deferred Taxes
000000000
Other Non-Cash Items
820M37M666M1.08B-584M-1.54B8.19B4.5B2.44B
Working Capital Changes
718M359M-3.18B-97M655M4.99B271M-8.15B-2.85B
Cash from Investing
-5.41B-4.96B8.35B-43.65B-32.06B-29.97B22.86B18.6B-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
12.31B6.5B44.08B29.9B34.12B20.75B13.96B46.32B22.92B
Net Investment Activity
-4.05B1.78B1.43B-42.91B-36.66B8.38B9.73B1.58B8.45B
Acquisitions
0-296M6.26B-2.44B-1.64B-4.67B-17M12.17B0
Other Investing
-1.36B-6.08B886M2.51B6.68B-33.11B13.14B4.84B-26.21B
Cash from Financing
-549M1.5B5.35B36.02B25.59B20.02B-22.27B-11.64B8.63B
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-250M0-1.75B-2.5B
Stock Issued
001.68B3.45B00000
Net Stock Activity
-1.61B-1.21B-42M2.95B-3.03B-250M0-1.75B-2.5B
Debt Issuance (Net)
1000K1000K1000K-1000K-1000K1000K-1000K1000K1000K
Other Financing
-2.72B3.61B2.74B49.55B35.51B-3.28B-16.46B-7.11B9.8B
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
000000000
Cash at Beginning
4.28B2.96B3.84B19.07B18.87B20.3B21.42B30.64B39.77B
Cash at End
2.96B3.84B19.07B18.87B20.3B21.42B30.64B39.77B36.38B
Interest Paid
819M1.41B1.92B1.83B859M2.01B9.14B11.34B10.07B
Income Taxes Paid
429M99M443M126M792M479M780M830M192M
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%

TFC Banking Ratios

Truist Financial Corporation (TFC) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric2016201720182019202020212022202320242025
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
36.7236.6238.5281.6552.2151.3445.2344.4947.8450.73
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%
Related:TFC Dividend History·TFC Revenue History·TFC Price History·TFC P/E History·TFC Financial Ratios·TFC Institutional Holders

TFC SEC Filings & Documents

Truist Financial Corporation (TFC) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 17, 2026·SEC

Material company update

Jan 27, 2026·SEC

Material company update

Jan 21, 2026·SEC

10-K Annual Reports

1
FY 2026

Feb 24, 2026·SEC

10-Q Quarterly Reports

3
FY 2025

Oct 30, 2025·SEC

FY 2025

Jul 31, 2025·SEC

FY 2025

Apr 30, 2025·SEC

TFC Frequently Asked Questions

Truist Financial Corporation (TFC) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

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).

Dividend & Returns

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.

Industry Metrics

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.

What if you invested $1,000 in TFC back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

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How much would $100/month in TFC be worth today?

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