Truist Financial Corporation

NYSE•TFC

CEO: Mr. William Henry Rogers Jr.

Sector: Financial Services

Industry: Banks - Regional

Listing Date: 1980-03-18

Truist Financial Corporation, a financial services 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; credit card lending; consumer finance; home equity and mortgage lending; other direct retail lending; insurance; investment brokerage; mobile/online banking; payment solutions; point-of-sale lending; retail and small business deposit products; small business lending; and wealth management/private banking services. In addition, it offers asset based lending, investment banking and capital market, institutional trust, insurance premium finance, derivatives, commercial lending, international banking, leasing, merchant, commercial deposit and treasury, floor plan, mortgage warehouse lending, real estate lending, and supply chain financing services. Further, the company provides insurance brokerage, retail and wholesale brokerage, securities underwriting and market making, loan syndication, and investment management and advisory services. 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.

Contact Information

214 North Tryon Street, Charlotte, NC, 28202, United States

336-733-2000

www.truist.com

Market Cap

$54.78B

P/E (TTM)

10.5

13.4

Dividend Yield

4.7%

52W High

$56.20

52W Low

$33.56

52W Range

45%

Rank40Top 42.0%

4.1

F-Score

Modified Piotroski Analysis

Based on 10-year fundamentals

Average • 4.1 / 9 points

Scoring Range (0-9)

8-9: Excellent Value

6-7: Strong Fundamentals

4-5: Average Quality

0-3: Weak Performance

Data Period: 2016-2025

Financial Dashboard

Q4 2025 Data

Revenue

$7.66B+0.14%

4-Quarter Trend

EPS

$1.02+10.87%

4-Quarter Trend

FCF

$2.58B+0.00%

4-Quarter Trend

2025 Annual Earnings Highlights

Key Highlights

Net Income Growth Reported Net income available to common shareholders reached $5.0 billion, or $3.82 per share, up from $3.36 last year.

Capital Returned to Shareholders Returned $5.2 billion in 2025 via $2.7 billion in dividends and $2.5 billion in common stock repurchases.

Deposit Base Expansion Average total deposits increased 2.5% to $400.4 billion, driven by growth in interest checking and savings accounts.

Asset Quality Shows Strength Net charge-off ratio improved 5 basis points to 0.54% for 2025, reflecting lower charge-offs across key portfolios.

Risk Factors

Parent Capital Ratio Decline Parent CET1 ratio decreased 70 basis points to 10.8% as capital returns outpaced current year earnings growth.

Intensifying Cybersecurity Threats Evolving threat landscape, increased AI use, and reliance on third parties heighten risk of material cyber incidents.

Liquidity Risk from Deposits Inability to retain or grow deposits, or changes in deposit mix, could negatively impact funding strategy and financial results.

Stringent Regulatory Oversight As a Category III BHC, Truist faces stringent liquidity, capital, and stress testing requirements compared to smaller peers.

Outlook

Strategic Priorities Remain Firm Focus continues on accelerating revenue growth, driving positive operating leverage, and maintaining strict risk discipline.

Credit Policy Enhancement Effective Enhanced nonaccrual criteria for certain indirect auto loans will prospectively take effect on January 1, 2026.

Capital Deployment Focus Management plans capital deployment toward organic growth, dividends, and share repurchases while supporting profitability.

Interest Rate Risk Management Continued use of derivatives to manage IRR; NII sensitivity to rate changes decreased in 2025 due to hedging.

Peer Comparison

Revenue (TTM)

USB

$42.86B

+0.3%

PNC

$33.99B

+0.9%

TFC

$30.44B

+25.5%

Gross Margin (Latest Quarter)

CFG

100.0%

+40.1pp

FITB

71.4%

+10.6pp

ZION

70.9%

+8.8pp

Key Metrics

Symbol	Market Cap	P/E (TTM)	ROE (TTM)	Debt to Assets
PNC	$81.15B	11.4	11.9%	10.0%
USB	$79.74B	10.5	12.1%	11.3%
TFC	$54.78B	10.5	8.2%	12.7%

Long-Term Trends

Last 4 Quarters

Revenue

Net Income

Operating Cash Flow

4Q Revenue CAGR

1.2%

Moderate Growth

4Q Net Income CAGR

2.4%

Profitability Slowly Improving

Cash Flow Stability

100%

Strong Cash Flow

Deep Research

Next earnings:Jul 17, 2026

EPS:-

Revenue:-

Financials

Earnings Calls

Reports

News

Income Statement

Balance Sheet

Cash Flow Statement

Ratios

% Chg.

Income Statement	LTM

No Data