Is Truist Financial (TFC) overvalued or fairly valued?

MarketChacha shows Truist Financial's valuation in context — a trailing P/E of about 12.2, a forward P/E of about 10.4, a price-to-book of about 1.1 — alongside its revenue and profit growth and whether reported profit converts into operating cash, so you can judge value for yourself. MarketChacha does not issue ratings, price targets, or buy/sell advice.

Does Truist Financial's reported profit turn into cash?

Over 3 years, operating cash flow fully covered reported profit — earnings are backed by real cash. MarketChacha computes this cash-conversion check (1.82×) from reported figures — education, not a rating.

What is the share price of Truist Financial (TFC)?

Truist Financial last traded at $51.81 (+0.4% on the day), as of 9/4/2026 — a delayed quote shown for education, not investment advice.

Truist Financial

TFC · NYSE · Financials · United States

Snapshot

TickerTFC

ExchangeNYSE

SectorFinancials

IndustryBanks - Regional

CountryUnited States

Employees37,849

HeadquartersCharlotte, United States

Websitewww.truist.com

Filings tracked23

About Truist Financial

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.

Who owns it

Insiders0.2%
Institutions78.4%
Public & other21.4%

2,146 institutional holders

Ownership breakdown from public market data.

Top holders

Blackrock Inc.8.15%
Capital International Investors7.64%
Vanguard Capital Management LLC6.66%
State Street Corporation4.80%
Vanguard Portfolio Management LLC3.43%
Bank of America Corporation3.02%
Geode Capital Management, LLC2.61%
Morgan Stanley1.85%

Largest institutional holders — last updated 6/30/2026.

Forensic scorecard

No major accounting red flags in the fundamentals we have — profit is backed by cash and returns look healthy.

Cash conversion1.82×

Over 3 years, operating cash flow fully covered reported profit — earnings are backed by real cash.

Computed by MarketChacha from reported figures (SEC XBRL). Education, not a rating or recommendation.

What's expected next

Next quarter

Rev $5.4B · EPS 1.20

Est. earnings growth +6.8%

Next fiscal year

Rev $22.0B · EPS 4.98

Est. earnings growth +7.9%

Analyst consensus estimates — not the company's own guidance.

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P/E ROE ROCE Margins Market cap

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Financials at a glance

Source: SEC XBRL

Annual

Quarterly · last 8

ROE

8.1%

EPS (FY2025)

3.82

Net profit (FY2025)

$5.3B

Ask MarketChacha about TFC

Get a cited, plain-English answer — the “why”, not just data. Finance research only, never buy/sell advice.

Financials

Yearly

Period	Net profit	EPS	ROE
FY2025	$5.3B	3.82	8.1%
FY2024	$4.8B	3.36	7.6%
FY2023	$-1.0B	-1.09	—

Quarterly

Period	Net profit	EPS
2026Q2	$1.6B	1.23
2026Q1	$1.5B	1.09
2025Q3	$1.5B	1.04
2025Q2	$1.2B	0.90
2025Q1	$1.3B	0.87
2024Q3	$1.4B	0.99
2024Q2	$922.0M	0.62
2024Q1	$1.2B	0.81
2023Q3	$1.2B	0.80
2023Q2	$1.3B	0.92
2023Q1	$1.5B	1.05

Figures as reported, in reporting currency. Source: SEC XBRL.

Filings & announcements

2026

10-Q filing
SEC7/31/2026
8-K — Bylaw/charter change, Exhibits
SEC7/29/2026material
8-K — Other events, Exhibits
SEC7/23/2026material
8-K — Results of operations, Exhibits
SEC7/17/2026material
8-K — Executive/director change, Reg FD disclosure, Exhibits
SEC6/15/2026material
8-K — Executive/director change, Reg FD disclosure, Exhibits
SEC6/8/2026material
8-K — Security holder rights, Bylaw/charter change, Other events, Exhibits
SEC5/15/2026material
8-K — Executive/director change, Shareholder vote results, Exhibits
SEC5/1/2026material
10-Q filing
SEC5/1/2026
8-K — Other events, Exhibits
SEC4/23/2026material
8-K — Results of operations, Exhibits
SEC4/17/2026material
10-K filing
SEC2/24/2026
8-K — Other events, Exhibits
SEC1/27/2026material
8-K — Results of operations, Exhibits
SEC1/21/2026material
8-K — Reg FD disclosure, Exhibits
SEC1/12/2026material

2025

8-K — Other events, Exhibits
SEC12/16/2025material
10-Q filing
SEC10/30/2025
8-K — Executive/director change, Exhibits
SEC10/29/2025material
8-K — Other events, Exhibits
SEC10/28/2025material
8-K — Other events, Exhibits
SEC10/23/2025material
8-K — Results of operations, Exhibits
SEC10/17/2025material
8-K — Bylaw/charter change, Exhibits
SEC8/1/2025material
10-Q filing
SEC7/31/2025

In the news

Education and discussion only — not investment advice. Financials from official filings (SEC/BSE) and reported company statements; market figures (delayed market data) are delayed and shown for reference only. Verify with the linked sources before acting.