Truist Financial (1TFC) Stock Price & Analysis
1TFC Stock Chart & Stats
- Day’s Range
- EUR 43.48 - EUR 43.80
- 52-Week Range
- EUR 23.00 - EUR 70.00
- Previous Close
- EUR 44.15
- Volume
- 0
- Average Volume (3M)
- 0
- Market Cap
- EUR 52.36B
- Enterprise Value
- EUR 124.92B
- Total Cash (Recent Filing)
- EUR 4.23B
- Total Debt (Recent Filing)
- EUR 65.79B
- Price to Earnings (P/E)
- 12.4
- Beta
- 0.73
- Next Earnings
- Jan 20, 2027 (Est.)
- EPS Estimate
- 1.08
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 4.12%
Bulls Say, Bears Say
Bulls Say
Profitability And Cash Generation
Truist has restored solid profitability while converting reported earnings into substantial cash. The improved margin profile and close alignment between free cash flow and net income provide internal funding capacity, support capital returns, and strengthen resilience over the next several quarters.
Deposit And Funding Momentum
Growing client deposits alongside lower borrowings improves the funding mix and reduces reliance on more expensive wholesale sources. This supports net interest income, liquidity management, and the bank’s ability to deepen primary relationships across consumer and commercial franchises.
Balance-Sheet Risk Reduction
Exiting the near-prime auto portfolio removes concentrated credit exposure while releasing capital for stronger businesses and reducing future loss intensity. Lower non-performing loans and improved capital capacity can make earnings more durable and give management greater strategic flexibility.
Bears Say
Weak Revenue Momentum
A declining and uneven revenue base makes it harder to sustain recent profitability improvements. Continued top-line volatility could limit operating leverage, constrain investment in growth initiatives, and reduce confidence that margin recovery will translate into consistent earnings expansion.
Shrinking Loan Base And NII Pressure
Portfolio exits and ongoing paydowns reduce earning assets and create a near-term headwind for net interest income. Although management expects better economics from repositioning, the smaller balance sheet raises the execution burden for replacing lost revenue with higher-return commercial and relationship banking growth.
Execution Track Record
The acknowledged history of missed goals indicates that strategy and execution have not consistently converted the franchise’s scale into target returns. Leadership changes and greater investment may improve performance, but they also make delivery against the 2027 and long-term ROTCE targets a key ongoing risk.
Truist Financial News
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Truist Financial Stock Smart Score
Company Description
Truist Financial
Truist Financial Corporation operates as a diversified financial holding company, providing an extensive array of banking and trust services throughout the Southeastern and Mid-Atlantic regions of the United States. Its business activities are structured across three main segments: Consumer Banking and Wealth, Corporate and Commercial Banking, and Insurance Holdings. The corporation offers a broad spectrum of deposit products, including both interest-bearing and noninterest-bearing checking accounts, savings accounts, money market deposit accounts, certificates of deposit (CDs), and individual retirement accounts (IRAs). Beyond deposit services, Truist delivers a comprehensive suite of financial solutions. These include various lending options such as automobile, bankcard, consumer, home equity, mortgage, small business, and student loans, alongside specialized commercial financing for areas like floor plan, real estate, and mortgage warehousing, as well as lease and supply chain financing. The company also provides extensive wealth management and investment services, encompassing asset management, investment brokerage, private banking, capital markets, institutional trust, and private equity investment solutions. Further offerings include corporate and investment banking, securities underwriting, and advisory services. Additionally, Truist offers a wide range of insurance products, covering property and casualty, life, health, employee benefits, workers' compensation, professional liability, surety, and title insurance. Digital banking platforms (mobile and online), payment processing, international banking, merchant services, and treasury management are also integral parts of its service portfolio. Headquartered in Charlotte, North Carolina, Truist Financial Corporation was founded in 1872. As of December 31, 2021, the company maintained a substantial presence with 2,517 banking offices. The organization officially adopted its current name, Truist Financial Corporation, in December 2019, having previously operated as BB&T Corporation.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- Michael Lyons
- Employees
- 37,833
- Website
- www.truist.com
- Address
- 214 North Tryon Street, Charlotte, NC, 28202, US
Truist Financial (1TFC) Earnings & Revenues
1TFC Company Deck
1TFC Earnings Call
Earnings Call SentimentPositive
The call was broadly constructive and strategically optimistic. Management reported 12% year-over-year adjusted EPS growth, a 100 basis point improvement in adjusted ROTCE, strong deposit growth, record wealth management income, disciplined expenses, improved credit risk, and reaffirmed ROTCE targets. These positives were accompanied by lower loan balances, delayed investment banking revenue, significant reported losses from portfolio repositioning, higher reported net charge-offs, and acknowledged historical underperformance. Overall, the number and significance of the stated strengths and forward investments outweighed the challenges.
View all IT:1TFC earnings summaries1TFC Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 14 | 4 | 4 |
| Technical Analysis | 3 | 4 | 3 |
| Moving Averages | 11 | 0 | 1 |
