Truist Financial (TFC) Stock Analysis
This is a peer-relative look at Truist Financial (TFC): its performance, risk, profitability, growth, financial strength, dividend, and valuation are each measured against its Banks peers, so every number reads in context rather than in isolation.
Company Profile
| Profile Item | TFC |
|---|---|
| Name | Truist Financial Corporation |
| Country/Region | United States |
| GICS Sector | Financials |
| GICS Industry Group | Banks |
| GICS Industry | Banks |
| GICS Sub-Industry | Regional Banks |
| Market Capitalization | 59.18 billion USD |
| Currency | USD |
| Exchange | NYSE |
| Listing Date | March 18, 1980 |
| Security Type | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | Current stock: TFC | Industry group median |
|---|---|---|
| Total Return (1Y) | 18.58% | 30.28% |
| Total Return (3Y, Annualized) | 25.74% | 26.57% |
| Total Return (5Y, Annualized) | -0.01% | 9.43% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | Current stock: TFC | Industry group median |
|---|---|---|
| Volatility (1Y, Annualized) | 23.91% | 24.34% |
| Beta (5Y) | 0.88 | 0.72 |
| Max Drawdown (5Y) | -59.11% | -43.36% |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | Current stock: TFC | Industry group median |
|---|---|---|
| Sharpe Ratio (1Y) | 0.60 | 1.08 |
| Sortino Ratio (1Y) | 0.83 | 1.61 |
Profitability
ROE (TTM)
Truist Financial (TFC) posts ROE of 8.16%, in the lower peer quartile. Shareholders’ equity is not producing as much profit as it does at most peers, so margins, asset turns, or balance-sheet structure deserve a closer look.
TFC
Banks industry group
8.16%
Group distribution
- Max
- 19.84%
- Q3
- 13.67%
- Median
- 11.49%
- Q1
- 9.50%
- TFC
- 8.16%
- Min
- 3.64%
Largest peers
- JPM
- 18.01%
- RY
- 16.21%
- HSBC
- 14.22%
- WFC
- 12.91%
- BAC
- 10.73%
- MUFG
- 9.46%
- TFC
- 8.16%
Net Margin (TTM)
Truist Financial (TFC) keeps 28.38% of revenue as net profit, roughly in line with the peer group’s normal net margin range. Its full cost stack is taking a typical share of sales for the industry.
TFC
Banks industry group
28.38%
Group distribution
- Max
- 47.19%
- Q3
- 35.25%
- Median
- 31.21%
- TFC
- 28.38%
- Q1
- 27.11%
- Min
- 14.93%
Largest peers
- HSBC
- 41.16%
- JPM
- 34.59%
- RY
- 33.87%
- TFC
- 28.38%
- BAC
- 28.06%
- WFC
- 27.64%
- MUFG
- 27.45%
Operating Margin (TTM)
operating margin is set aside for Truist Financial (TFC) in Banks: the operating-income line is not a clean boundary for this business model, so net margin, ROE, FFO, or industry-specific measures may be more useful.
Profitability Metrics
| Metric | Current stock: TFC | Industry group median |
|---|---|---|
| ROE (TTM) | 8.16% | 11.49% |
| ROA (TTM) | 0.95% | 1.24% |
| Net Margin (TTM) | 28.38% | 31.21% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Truist Financial (TFC) grew revenue 53.03%, above the industry benchmark range. Demand is expanding faster than at any typical peer, though growth that far ahead of the group is worth checking for acquisitions or other one-off contributions.
EPS Growth
Truist Financial (TFC) grew earnings per share 13.69%, roughly around the peer group's normal range. Bottom-line momentum looks broadly typical for the industry.
Growth Metrics
| Metric | Current stock: TFC | Industry group median |
|---|---|---|
| Revenue Growth (YoY) | 53.03% | 11.23% |
| Revenue Growth (3Y CAGR) | 0.57% | 6.33% |
| EPS Growth (YoY) | 13.69% | 16.14% |
| EPS Growth (3Y CAGR) | -4.82% | 3.15% |
Financial Strength
Current Ratio (MRQ)
current ratio is set aside for Truist Financial (TFC) in Banks: these balance sheets are not best read through a current/non-current split, so regulatory, funding, or liquidity-coverage measures usually matter more.
Debt / Equity (MRQ)
debt-to-equity ratio is set aside for Truist Financial (TFC) in Banks: leverage is part of the business model itself, so capital adequacy, funding mix, and regulatory measures are usually better risk gauges.
Financial Strength Metrics
| Metric | Current stock: TFC | Industry group median |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Truist Financial (TFC) has dividend yield of 4.17%, in the upper peer-yield quartile while still inside the industry range. The dividend offers more cash income per dollar of share price than most peers, though payout coverage still matters.
TFC
Banks industry group
4.17%
Group distribution
- Max
- 5.79%
- TFC
- 4.17%
- Q3
- 3.18%
- Median
- 2.39%
- Q1
- 1.20%
- Min
- 0.00%
Largest peers
- MUFG
- 406.81%
- TFC
- 4.17%
- RY
- 3.23%
- BAC
- 2.33%
- WFC
- 2.19%
- JPM
- 1.82%
- HSBC
- 0.86%
Dividend Payout Ratio (TTM)
Truist Financial (TFC) has payout ratio of 53.61%, above the industry’s usual payout band. A larger share of earnings is going to dividends, so the cushion narrows if profit weakens.
TFC
Banks industry group
53.61%
Group distribution
- Max
- 70.75%
- TFC
- 53.61%
- Q3
- 41.28%
- Median
- 29.26%
- Q1
- 18.98%
- Min
- 0.00%
Largest peers
- TFC
- 53.61%
- HSBC
- 53.57%
- RY
- 41.49%
- MUFG
- 34.74%
- BAC
- 27.62%
- WFC
- 26.09%
- JPM
- 25.80%
Dividend Metrics
| Metric | Current stock: TFC | Industry group median |
|---|---|---|
| Dividend Yield (TTM) | 4.17% | 2.39% |
| Dividend Payout Ratio (TTM) | 53.61% | 29.26% |
Valuation
P/E Ratio (TTM)
Truist Financial (TFC) trades at P/E ratio of 12.73, near the industry’s usual earnings multiple. The stock is not showing a clear peer discount or premium on trailing earnings.
TFC
Banks industry group
12.73
Group distribution
- Max
- 18.16
- Q3
- 13.75
- TFC
- 12.73
- Median
- 11.81
- Q1
- 10.64
- Min
- 6.49
Largest peers
- RY
- 17.58
- JPM
- 14.03
- MUFG
- 13.71
- TFC
- 12.73
- WFC
- 11.84
- BAC
- 11.79
- HSBC
- 11.38
P/S Ratio (TTM)
P/S ratio is not assessed for Truist Financial (TFC) in Banks: the revenue line is driven by spread economics rather than conventional product or service sales, so book value or earnings usually carry more weight.
P/B Ratio (MRQ)
Truist Financial (TFC) trades at 1.06 on P/B ratio, in the lower book-value quartile for its industry. Investors are paying less for the balance-sheet equity than they pay for most peers, with returns on that equity still central to the read.
TFC
Banks industry group
1.06
Group distribution
- Max
- 2.28
- Q3
- 1.58
- Median
- 1.32
- Q1
- 1.10
- TFC
- 1.06
- Min
- 0.59
Largest peers
- HSBC
- 6.87
- RY
- 2.92
- JPM
- 2.53
- MUFG
- 1.64
- WFC
- 1.59
- BAC
- 1.26
- TFC
- 1.06
Valuation Metrics
| Metric | Current stock: TFC | Industry group median |
|---|---|---|
| P/E Ratio (TTM) | 12.73 | 11.81 |
| P/S Ratio (TTM) | -- | -- |
| P/B Ratio (MRQ) | 1.06 | 1.32 |
| Free Cash Flow Yield (TTM) | -- | -- |