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Truist Financial Corporation

TFC
55
Banks - Regional · Financial Services
Price
$50.42
+0.19 (+0.38%)
Market Cap
$62.82B
Winston Score
55
Winston is curious
A decent business — some strong pillars, some weaker.
Data as of Aug 23, 2026 · filings through Jun 30, 2026
How the score breaks down
Bank Quality
Good
Growth
Strong
Capital Strength
Strong
Asset Quality
Good
Valuation
Good
Dividends
Mixed
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Share count falling — buybacks

−4.8% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 1.35B (2021) → 1.29B (2025)

Winston Score History

The full picture

Truist Financial is a large American bank that helps everyday people and businesses manage their money. It offers checking and savings accounts, loans, mortgages, credit cards, and investment services. Truist was created in 2019 when BB&T and SunTrust Banks merged, making it one of the ten largest commercial banks in the United States.

Truist makes money by charging interest on loans and collecting fees for banking and wealth management services. It operates mainly across the southeastern and mid-Atlantic United States, with thousands of branches serving millions of retail and business customers. The bank's scale and regional brand recognition give it a stable deposit base, but rising interest rates and potential loan defaults remain key risks, as borrowers under financial stress could struggle to repay what they owe.

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Growth Profile

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+0.8% YoY

YoY Growth Rate

Slow revenue growth

EPS Growth

+36.3% YoY

YoY Growth Rate

EPS growth accelerating

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

0.2%ownership

Relatively low insider ownership

Cash Position

Cash flow positive

$490.3B cash & investments

Company generates more cash than it spends — no dilution risk from fundraising

Growth context

Truist Financial Corporation is growing revenue at 1% year-over-year. The Winston Score measures business quality today — these growth metrics show what could matter tomorrow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

Each metric is explained in plain language so you know exactly what you're looking at. Start your free trial now.

Bank Quality

Return on owners' money
Return on Equity
10.0%
no trend
Below its cost of capital — 10.0%

Standard mid-range return on equity. Acceptable.

Profit on lending
Net Interest Margin
3.15%
no trend
Wide spread — 3.15% net interest margin
Cost of running the bank
Efficiency Ratio
52.0%
no trend
Very lean — spends 52.0¢ to earn a dollar

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Growth

Sales growth
Sales YoY
+0.3%
Nearly flat sales (+0.3% YoY)
Profit growth
EPS YoY
+18.9%
Earnings growing fast (+18.9% YoY)

Healthy double-digit earnings growth — what compounders look like.

How steady the profit is
EPS Consistency
8/8 quarters
Every recent quarter grew earnings vs last year

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Capital Strength

Safety cushion
Capital Ratio
11.9%
no trend
Well capitalised — 11.9% CET1

A solid capital cushion. The bank can take some loan losses and keep going.

Asset Quality

Loans not being repaid
Non-Performing Loans
0.75%
no trend
Clean loan book — 0.75% non-performing

Below 1% of loans are troubled. Still a healthy, well-run loan book.

Loans written off
Net Charge-Offs
0.59%
no trend
Rising losses — 0.59% net charge-offs

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Valuation

Price vs profit
P/E Ratio (TTM)
11.4x
Attractive valuation — P/E 11.4

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year
P/E vs Forward
-0.8
SLOWING
Earnings expected to fall — forward P/E higher than today

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Dividends

Dividend
Dividend Yield
3.96%
Moderate income — 3.96% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend record
Dividend Growth
+0.0%
Dividend flat

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