Fool - Investing News·Jul 1, 2026
The Fed's Bank Stress Test Results Are In. Here's What They Mean for Dividends and Buybacks.It's a good time to invest in bank stocks.
Truist Financial Corporation(TFC)Earnings, Financials & Key Ratios
TFC•NYSE•Banking & Credit
$50.89
13.3× P/E·Price updated Jul 7, 2026
AboutTruist Financial Corporation, a holding 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; bankcard lending; consumer finance; home equity and mortgage lending; insurance, such as property and casualty, life, health, employee benefits, workers compensation and professional liability, surety coverage, title, and other insurance products; investment brokerage; mobile/online banking; and payment, lease financing, small business lending, and wealth management/private banking services. In addition, it offers association, capital market, institutional trust, insurance premium and commercial finance, international banking, leasing, merchant, commercial deposit and treasury, government finance, commercial middle market lending, small business and student lending, floor plan and commercial mortgage lending, mortgage warehouse lending, private equity investment, real estate lending, and supply chain financing services. Further, the company provides corporate and investment banking, retail and wholesale brokerage, securities underwriting, and investment advisory services. As of December 31, 2021, the company operated through 2,517 banking offices. 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.Show more
- Net Interest Income$14.42B+2.4%
- Total Revenue$30.44B+25.5%
- Net Income$5.31B+10.1%
- Return on Equity8.24%+5.1%
- Net Interest Margin2.63%-0.7%
- Efficiency Ratio41.36%-16.5%
- ROA0.98%+8.9%
- Equity / Assets11.91%-0.7%
- Book Value per Share50.73+6.0%
TFC Price & Volume
Truist Financial Corporation (TFC) stock price & volume — 10-year historical chart
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Strategic Realignment Masks Persistent Core Earnings Volatility
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Mixed
Profitability:Moderate
Financial:Adequate
Cash Flow:Mixed
Primary Risk:Southeastern Commercial Real Estate
Key Thesis Takeaways
- Truist Financial Corporation faces a complex transition period characterized by stagnant net interest income, which has remained range-bound between $3.4 billion and $3.7 billion over the last ten quarters.
- While management has successfully maintained a consistent equity-to-assets ratio of 0.12 to support shareholder returns, the bank's reliance on a $479.4 billion investment securities portfolio creates significant sensitivity to interest rate fluctuations.
- Investors should monitor the sustainability of core earnings, as non-recurring items and anomalous provisioning trends, such as the zero-provision quarter in 2025Q4, continue to obscure the underlying operational performance.
Verdict Logic
while the 4.1% dividend yield provides income, the bank's 3.00 PEG ratio and inconsistent earnings quality suggest that investors should wait for clearer evidence of operational stability before increasing exposure.
TFC Growth Metrics
Truist Financial Corporation (TFC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years11.1%
5 Years4.5%
3 Years10.94%
TTM-
Profit CAGR
10 Years9.8%
5 Years3.44%
3 Years-5.36%
TTM13.21%
EPS CAGR
10 Years4.08%
5 Years4.4%
3 Years-4.82%
TTM14.75%
Return on Capital
10 Years4.7%
5 Years3.35%
3 Years1.43%
Last Year5.46%
TFC Recent Earnings
Truist Financial Corporation (TFC) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 7/12 qtrs (58%)●Beat Revenue 3/12 qtrs (25%)
Q2 2026Latest
Apr 17, 2026Metric
Actual
Est
EPS
$1.09+9.3%
$1.00
Rev
$5.2B+0.4%
$5.2B
Q1 2026
Jan 21, 2026Metric
Actual
Est
EPS
$1.00-8.3%
$1.09
Rev
$5.3B-0.2%
$5.3B
Q4 2025
Oct 17, 2025Metric
Actual
Est
EPS
$1.04+4.5%
$0.99
Rev
$5.2B-0.0%
$5.2B
Q3 2025
Jul 18, 2025Metric
Actual
Est
EPS
$0.91-1.4%
$0.92
Rev
$5.0B-0.5%
$5.0B
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 17, 2026 | $1.09vs $1.00+9.3% | $5.2Bvs $5.2B+0.4% |
| Q1 2026 | Jan 21, 2026 | $1.00vs $1.09-8.3% | $5.3Bvs $5.3B-0.2% |
| Q4 2025 | Oct 17, 2025 | $1.04vs $0.99+4.5% | $5.2Bvs $5.2B-0.0% |
| Q3 2025 | Jul 18, 2025 | $0.91vs $0.92-1.4% | $5.0Bvs $5.0B-0.5% |
Based on last 12 quarters of dataView full earnings history →
Latest TFC News
Recent stock market news and headlines for Truist Financial Corporation (TFC)
Seeking Alpha·Jun 30, 2026
Truist Financial Preferreds Update: Hold Ratings Stay Even With Better YieldsTruist Financial Corporation receives a Sell rating due to underwhelming total return despite offering the highest current yield among peers. All three TFC $25 par preferreds—Series I, O, and R—are non-cumulative, BBB- rated, past call, and offer yields between 6.2% and 6.5%. Preferred dividend coverage is robust at 16.6x net income, and common equity coverage of preferred par is a strong 12x.
GlobeNewsWire·Jun 25, 2026
LANCASTER AVENUE 21ST COMMUNITY DEVELOPMENT CORPORATION RECEIVES TRUIST FOUNDATION SUPPORT TO STRENGTHEN SMALL BUSINESS INITIATIVE AND PHILADELPHIA ENTREPRENEURSExpanding access to coaching, business systems, capital readiness, and AI-powered business support for Philadelphia entrepreneurs Expanding access to coaching, business systems, capital readiness, and AI-powered business support for Philadelphia entrepreneurs
PRNewsWire·Jun 25, 2026
Truist announces release of 2026 CCAR resultsCHARLOTTE, N.C., June 25, 2026 /PRNewswire/ -- Truist Financial Corporation (NYSE: TFC) today announced the release of the results of its annual company-run stress test, conducted in accordance with Dodd-Frank Act regulations issued by the Board of Governors of the Federal Reserve System and the Federal Deposit Insurance Corporation.
Zacks Investment Research·Jun 24, 2026
All You Need to Know About Truist Financial (TFC) Rating Upgrade to BuyTruist Financial (TFC) has been upgraded to a Zacks Rank #2 (Buy), reflecting growing optimism about the company's earnings prospects. This might drive the stock higher in the near term.
Peers Comparison
Key metrics vs top competitors for Truist Financial Corporation (TFC)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $50.89 | $63.4B | 13.32 | 25.5% | 17.44% | 8.24% | 4.09% | |
| $62.89 | $97.97B | 13.64 | 0.35% | 18.02% | 12.13% | — | |
| $254.01 | $102B | 15.31 | -6.98% | 22.51% | 11.97% | — | |
| $30.59 | $26.1B | 13.36 | 2.51% | 23.13% | 11.75% | — | |
| $71.78 | $30.35B | 18.60 | -9.71% | 17.51% | 7.63% | — | |
| $18.01 | $36.51B | 12.96 | 4.38% | 16.63% | 8.81% | — |
Compare TFC vs Peers
Truist Financial Corporation (TFC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
TFC SEC Filings & Documents
Truist Financial Corporation (TFC) SEC filings — annual & quarterly reports (10-K, 10-Q)
8-K Announcements
6Material company update
Jun 15, 2026·SEC
Material company update
Jun 8, 2026·SEC
Material company update
May 15, 2026·SEC
10-K Annual Reports
1FY 2026
Feb 24, 2026·SEC
10-Q Quarterly Reports
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TFC Frequently Asked Questions
Truist Financial Corporation (TFC) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Truist Financial Corporation growing?
Truist Financial Corporation (TFC) grew revenue by 25.5% over the past year. This is strong growth.
Is TFC profitable?
Yes, Truist Financial Corporation (TFC) is profitable, generating $5.53B in net income for fiscal year 2025 (17.4% net margin).
Dividend & Returns
Does TFC pay dividends?
Yes, Truist Financial Corporation (TFC) pays a dividend with a yield of 4.09%. This makes it attractive for income-focused investors.
What is TFC's return on equity?
Truist Financial Corporation (TFC) has a return on equity (ROE) of 8.2%. This is below average, suggesting room for improvement.
Industry Metrics
What is Truist Financial Corporation's net interest margin?
Truist Financial Corporation (TFC) has a net interest margin (NIM) of 2.6%. NIM has been under pressure due to interest rate environment.
What is Truist Financial Corporation's efficiency ratio?
Truist Financial Corporation (TFC) has an efficiency ratio of 41.4%. This is excellent, indicating strong cost control.