Truist Financial Corporation TFC
Financial Services · Banks - Regional · United States · S&P 500
Based on the available data, Truist Financial Corporation gets an algorithmic score of 62/100. It trades at 46.44 $, with a sideways/transition technical trend (RSI 31.1) and 24.4% annual volatility.
Updated: 2026-09-30
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Strengths
- High net margin (30.7%): pricing power / competitive advantage.
- Attractive free-cash-flow yield (10.1%).
- Low valuation (P/E 9.3).
- Meaningful dividend (4.48%).
Weaknesses
- —
Fundamentals
| P/E | 10.68 |
| Forward P/E | 9.32 |
| PEG | 1.10 |
| P/B | 0.97 |
| P/S | 2.98 |
| ROE % | 9.06 |
| ROA % | 1.06 |
| Gross margin % | 0.00 |
| Operating margin % | 39.81 |
| Net margin % | 30.69 |
| Revenue growth % (y/y) | 8.20 |
| Earnings growth % (y/y) | 36.70 |
| Revenue CAGR % | 0.57 |
| Earnings CAGR % | -5.36 |
| FCF yield % | 10.12 |
| Dividend yield % | 4.48 |
| Payout % | 47.82 |
Returns
| 1 month | -7.9 % |
| 3 months | -5.9 % |
| 6 months | +6.2 % |
| YTD | -3.8 % |
| 1 year | +5.2 % |
| 3 years | +91.7 % |
| 5 years | +10.1 % |
Risk
| 1-year volatility | 24.4 % |
| Beta | 1.05 |
| 5-year max drawdown | -59.1 % |
| Sharpe 1A | 0.17 |
Macroeconomic context
Benefits from high rates and a positive curve (net interest margin). Sensitive to credit quality and the cycle: loan-loss provisions rise in recessions. As a US company, its valuation depends on the Fed, 10-year Treasury yields and the US earnings cycle.
How the score is calculated
The score combines profitability (ROE, ROA, net margin), growth (revenue and earnings), valuation (P/E, EV/EBITDA, free cash flow), financial strength (debt and liquidity; not applied to banks and insurers) and momentum (6 and 12-month returns and trend). It is an educational quantitative filter, not a buy or sell recommendation.