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US super-regional bank (from the 2019 BB&T-SunTrust merger) offering retail, commercial and wealth banking in the Southeast/Mid-Atlantic.
US super-regional bank (from the 2019 BB&T-SunTrust merger) offering retail, commercial and wealth banking in the Southeast/Mid-Atlantic.
Earns mostly from the gap between loan and deposit rates, with fees from wealth management and payments. The 2019 merger created a large Southeast franchise, and in 2024 it sold most of its insurance-brokerage arm to focus on banking.
Moat: narrow (scale, distribution). Large Southeast branch/deposit franchise from BB&T-SunTrust merger, but banking is a competitive, largely commoditized business.
Headquarters: Charlotte, North Carolina, United States · Founded: 2019 · Employees: 37,086
Size Truist Financial (TFC) is a United States Financials company (Regional Banks) with a market value of $59.2B, the 220th largest of 3,117 United States companies the cockpit tracks. Shares closed at $49.38 on 6 Nov 2026.
Performance Over six months the shares gained 0.6%, against +8.0% for the median peer and -1.1% for the United States market (cap-weighted) — 5th lowest of 21 in its peer set.
Growth Revenue fell 5.0% over the last twelve months (peer median +3.8%); the operating margin is 30.2% (peer median 35.1%).
Valuation It trades at 1.06× book value against a peer median of 1.29× (8th cheapest of 21).
Price implies The share price implies a return on equity of about 9.6%; Truist Financial delivers 8.2%, so the price asks more than the business earns today.
Credit Truist Financial has 29 bonds outstanding ($33.1B), rated A- by the agencies and trading like BBB+ at a weighted spread of 77 bp.
Short interest Short interest is 2.3% of the free float (15 Oct 2026).
Next results Next results expected around 20 Jan 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | $29.1B | $30.5B | $24.5B | $30.0B | $25.6B |
| Revenue growth | — | +25% | -18% | +17% | — |
| Net income | $5.19B | $5.31B | -$23.0M | -$1.09B | $6.26B |
| Free cash flow | $5.55B | $6.43B | $2.93B | $8.06B | $8.52B |
| Capital expenditure | $755M | $0 | $0 | $0 | $711M |
| Total debt | $67.0B | $71.1B | $65.5B | $65.1B | $68.2B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| Truist Financial TFC | $59.2B | +1% | -5% | 8% | 1.06× | 9.6% |
| PNC Financial Services PNC | $89.4B | +4% | +8% | 13% | 1.59× | 13.2% |
| Regions Financial RF | $24.1B | +2% | +1% | 12% | 1.46× | 13.2% |
| Fifth Third Bancorp FITB | $47.9B | +8% | +15% | 9% | 1.55× | 13.6% |
| U.S. Bancorp USB | $92.6B | +8% | +1% | 13% | 1.55× | 13.9% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | TFC | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +6.9% | +1.4% | 5th highest of 21 |
| 6-month return | +0.6% | +8.0% | 5th lowest of 21 |
| Return on equity | 8.2% | 10.8% | 3rd lowest of 21 |
| Price / book | 1.06× | 1.29× | 8th cheapest of 21 |
| Trailing P/E | 12.8× | 11.7× | 9th most expensive of 20 |
| ROE the price implies | 9.6% | 9.1% | 9th most demanding of 21 |
| ROE delivered | 8.2% | 11.0% | 3rd lowest of 20 |
| Bond spread | 77 bp | 96 bp | 3rd tightest of 7 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Truist Financial TFC | United States | $59.2B | +1% | -5% | 8% | 1.06× | 9.6% | 8.2% |
| Nu Holdings Ltd. Class A NU | United States | $58.1B | -13% | +54% | 32% | 4.39× | 32.4% | 31.6% |
| Industrial Bank 601166.SS | China | $62.6B | +10% | -4% | 9% | 0.49× | 2.2% | 9.2% |
| Credit Agricole ACA.PA | France | $53.7B | -8% | -1% | 9% | 0.68× | 8.1% | 8.9% |
| Japan Post Bank 7182.T | Japan | $65.5B | +7% | +39% | 7% | 1.11× | 8.3% | 6.6% |
| Postal Savings Bank of China 601658.SS | China | $69.7B | +9% | -2% | 9% | 0.62× | 2.7% | 8.7% |
| Shanghai Pudong Development Bank 600000.SS | China | $50.1B | +8% | -3% | 6% | 0.40× | 2.0% | 6.1% |
| Fifth Third Bancorp FITB | United States | $47.9B | +8% | +15% | 9% | 1.55× | 13.6% | 9.4% |
| Commerzbank CBK.DE | Germany | $46.3B | +4% | -3% | 10% | 1.36× | 10.3% | 10.3% |
| Ctbc Financial 2891.TW | Taiwan | $43.7B | +37% | +9% | 15% | 2.06× | 8.9% | 14.7% |
| Banca Monte dei Paschi di Siena BMPS.MI | Italy | $38.4B | +19% | +55% | 16% | 1.30× | 13.9% | 15.5% |
| CaixaBank CABK.MC | Spain | $91.9B | +7% | -2% | 16% | 2.05× | 13.3% | 16.5% |
| KBFinancialGroup 105560.KS | South Korea | $37.5B | -5% | +32% | 10% | 0.99× | 5.6% | n/a |
| State Bank of India SBIN.NS | India | $99.5B | -7% | +6% | 15% | 1.40× | 20.7% | 14.6% |
| Bank of Jiangsu 600919.SS | China | $35.1B | +13% | +5% | 13% | 0.83× | 2.9% | 12.8% |
| Bank of Ningbo 002142.SZ | China | $34.0B | +3% | +3% | 13% | 0.92× | 7.0% | 13.3% |
| Canadian Imperial Bank of Commerce CM.TO | Canada | $105B | +8% | 0% | 16% | 2.50× | 20.1% | 15.6% |
| M&T Bank MTB | United States | $31.4B | +3% | 0% | 11% | 1.24× | 9.3% | 10.6% |
| Resona 8308.T | Japan | $30.8B | +9% | +17% | 9% | 1.57× | 8.7% | 9.3% |
| ICICI Bank ICICIBANK.NS | India | $119B | +23% | +8% | 16% | 2.89× | 36.7% | 16.3% |
| First Citizens BancShares FCNCA | United States | $25.2B | +16% | 0% | 11% | 1.29× | 9.3% | 11.0% |
Truist Financial has 29 bonds outstanding with $33.1B face value. The agencies rate it A-; its bonds trade like BBB+. Weighted yield 5.33%, a spread of 77 bp over government bonds.