Truist Financial Corp (TFC)
Truist Financial Corporation, a financial services company, provides banking and trust services in the Southeastern and Mid-Atlantic United States. The company operates through two segments, Consumer and Small Business Banking; and Wholesale Banking. 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; credit card lending; home equity and mortgage lending; other direct retail lending; home mortgage lending; Investment brokerage services; mobile/online banking; payment solutions; point-of-sale lending; retail and small business deposit products; and small business lending. In addition, it offers asset-based lending, commercial deposit and treasury services; commercial lending; floor plan lending; derivatives; institutional trust services; insurance premium finance; international banking; investment banking and capital markets services; leasing; merchant services; mortgage warehouse lending; real estate lending; supply chain financing; and wealth management/private banking. 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.
- Ticker
- TFC
- Exchange
- NYSE
- Sector
- Financial Services
- Industry
- Banks - Regional
- Market cap
- $59.18B
- 52-week range
- $43.13 - $56.20
Valuation
- Share price
- $49.38 (close of Nov 6, 2026)
- P/E (TTM)
- 12.53x
- Price to book
- 0.96x
- Price to free cash flow
- 9.76x
- Enterprise value
- $79.50B
- Book value per share
- $51.29
Price performance
| Period | Change |
|---|---|
| 1 day | -0.92% |
| 5 days | +1.21% |
| 1 month | +6.77% |
| 3 months | -6.10% |
| 6 months | -2.80% |
| Year to date | +0.35% |
| 1 year | +12.20% |
| 3 years | +60.64% |
| 5 years | -23.19% |
| 10 years | +29.10% |
| All time | +2,514.24% |
Short interest
- As of
- Oct 15, 2026
- Short % of float
- 2.36%
- Shares short
- 28.24M
- Days to cover
- 3.31
- Change since prior report
- -6.71%
- Source
- FINRA consolidated short interest
Members of Congress who disclosed TFC trades
Dan Newhouse · Alan Armstrong · Julie Johnson · Lloyd Smucker · Robert Bresnahan
Super investors holding TFC
Ray Dalio (Bridgewater Associates) · Ken Griffin (Citadel) · Tweedy Browne (Tweedy Browne Company LLC) · Christopher Davis (Davis Selected Advisers) · Dodge & Cox (Dodge & Cox Funds) · Bill Nygren (Harris Associates LP)
Profitability and growth
- Return on equity
- 8.14%
- Return on assets
- 0.97%
- Net margin
- 26.12%
- Revenue growth
- 53.03%
- Net income growth
- 9.65%
- Free cash flow growth
- 165.20%
Cash flow and balance sheet
- Free cash flow yield (TTM)
- 10.24%
- Net debt to EBITDA
- 1.32x
Latest reported year
- Period end
- Dec 31, 2025
- Fiscal year
- 2025
- Revenue
- $20.32B
- Net income
- $5.31B
- Earnings per share
- $3.87
- Interest expense
- $10.12B
- Shares outstanding
- 1.29B
Income statement by year
| Period end | Revenue | Net income | EPS |
|---|---|---|---|
| 2025-12-31 | $20.32B | $5.31B | $3.87 |
| 2024-12-31 | $13.28B | $4.84B | $3.36 |
| 2023-12-31 | $20.02B | -$1.05B | -$1.09 |
| 2022-12-31 | $19.97B | $6.27B | $4.46 |
| 2021-12-31 | $22.30B | $6.44B | $4.51 |
| 2020-12-31 | $22.70B | $4.49B | $3.11 |
| 2019-12-31 | $12.57B | $3.24B | $3.76 |
| 2018-12-31 | $11.56B | $3.26B | $3.96 |
| 2017-12-31 | $11.32B | $2.42B | $2.78 |
| 2016-12-31 | $10.79B | $2.44B | $2.81 |
Margins and returns by year
| Period end | Net margin | Return on equity |
|---|---|---|
| 2025-12-31 | 26.12% | 8.14% |
| 2024-12-31 | 36.45% | 7.60% |
| 2023-12-31 | -5.23% | -1.77% |
| 2022-12-31 | 31.38% | 10.35% |
| 2021-12-31 | 28.87% | 9.29% |
| 2020-12-31 | 19.78% | 6.33% |
| 2019-12-31 | 25.76% | 4.86% |
| 2018-12-31 | 28.18% | 10.79% |
| 2017-12-31 | 21.34% | 8.13% |
| 2016-12-31 | 22.63% | 8.16% |
Cash and debt by year
| Period end | Cash | Debt |
|---|---|---|
| 2025-12-31 | $36.38B | $41.96B |
| 2024-12-31 | $39.77B | $34.96B |
| 2023-12-31 | $30.64B | $38.92B |
| 2022-12-31 | $21.42B | $43.20B |
| 2021-12-31 | $20.30B | $35.91B |
| 2020-12-31 | $18.87B | $39.60B |
| 2019-12-31 | $19.07B | $41.34B |
| 2018-12-31 | $3.84B | $23.71B |
| 2017-12-31 | $2.96B | $23.65B |
| 2016-12-31 | $4.28B | $21.96B |
Free cash flow by year
| Period end | Free cash flow | Stock-based compensation |
|---|---|---|
| 2025-12-31 | $5.74B | $317.00M |
| 2024-12-31 | $2.16B | $292.00M |
| 2023-12-31 | $8.63B | $298.00M |
| 2022-12-31 | $10.52B | $261.00M |
| 2021-12-31 | $7.45B | $320.00M |
| 2020-12-31 | $6.62B | $353.00M |
| 2019-12-31 | $1.30B | $165.00M |
| 2018-12-31 | $3.99B | $141.00M |
| 2017-12-31 | $4.63B | $132.00M |
| 2016-12-31 | $3.12B | $115.00M |
Dividend history
- Most recent payment
- Aug 14, 2026
- Paid in the last twelve months
- $2.08
| Payment date | Dividend per share |
|---|---|
| 2026-08-14 | $0.52 |
| 2026-05-08 | $0.52 |
| 2026-02-13 | $0.52 |
| 2025-11-14 | $0.52 |
| 2025-08-08 | $0.52 |
| 2025-05-09 | $0.52 |
| 2025-02-14 | $0.52 |
| 2024-11-08 | $0.52 |
Investor relations
Past earnings dates
| Reported | Fiscal period | EPS estimate |
|---|---|---|
| 2026-10-16 | Sep 2026 | $1.17 |
| 2026-07-17 | Jun 2026 | $1.08 |
| 2026-04-17 | Mar 2026 | $0.99 |
| 2026-01-21 | Dec 2025 | $1.09 |
| 2025-10-17 | Sep 2025 | $0.99 |
| 2025-07-18 | Jun 2025 | $0.92 |
| 2025-04-17 | Mar 2025 | $0.86 |
| 2025-01-17 | Dec 2024 | $0.87 |
Filings and sources
- Company website
- truist.com
- SEC filings
- 10-K, 10-Q and 8-K on EDGAR
- Earnings calendar
- All upcoming reports
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Understanding these figures
Price-to-earnings ratio · Short interest · Discounted cash flow · Free cash flow · Earnings per share · Return on equity · Gross margin vs net margin · Reading a balance sheet · Debt and leverage · Dividend yield · Insider transactions and Form 4 · How to read a stock chart
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