US · TFC
Truist Financial Corporation
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Charlotte, NC 28202
- Website
- truist.com
Price · as of 2025-12-31
$50.93
Market cap 63.08B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $57.89 | +13.67% |
| Intrinsic Value(DCF) | $38.46 | -24.48% |
| Graham-Dodd Method(GD) | $23.40 | -54.05% |
| Graham Formula(GF) | $136.59 | +168.18% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $17.56 | $33.81 | $22.37 | $15.93 | $0.89 |
| 2012 | $19.35 | $30.90 | $28.66 | $22.60 | $43.08 |
| 2013 | $24.80 | $32.41 | $30.24 | $15.17 | $14.40 |
| 2014 | $25.27 | $33.60 | $30.65 | $22.09 | $12.21 |
| 2015 | $23.03 | $29.89 | $33.04 | $20.22 | $30.11 |
| 2016 | $32.88 | $29.99 | $34.76 | $19.88 | $49.31 |
| 2017 | $39.66 | $35.67 | $33.73 | $17.91 | $39.83 |
| 2018 | $36.24 | $34.90 | $35.31 | $20.46 | $62.09 |
| 2019 | $30.76 | $28.05 | $74.51 | $45.29 | $81.59 |
| 2020 | $47.32 | $40.84 | $186.64 | $20.71 | $239.01 |
| 2021 | $46.52 | $29.01 | $117.03 | $24.38 | $13.36 |
| 2022 | $33.01 | $34.26 | $45.86 | $15.03 | $22.99 |
| 2023 | $34.04 | $34.08 | $36.41 | $0.00 | $0.00 |
| 2024 | $40.25 | $30.35 | $38.10 | $17.74 | $0.00 |
| 2025 | $49.55 | $57.89 | $30.16 | $23.40 | $136.59 |
AI valuation
Our deep-learning model estimates Truist Financial Corporation's (TFC) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $57.89
- Current price
- $50.93
- AI upside
- +13.67%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$38.46
-24.48% upside
Graham-Dodd
$23.40
-54.05% upside
Graham Formula
$136.59
+168.18% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| TFC | Truist Financial Corporat… | $50.93 | 63.08B | +14% | -24% | -54% | +168% | 11.83 | 0.96 | 2.06 | 12.37 | 86.43 | 1.34 | 62.21% | 20.86% | 17.44% | 8.24% | 6.20% | 0.98% | 1.07 | 0.63 | 0.87 | 0.87 | 4.74 | 1369.00% | 2550.00% | 0.00% | 3.45% | 0.01 | 2.53% | 4.77% | 56.50% | 10.34% | 13.74 | 40.31 | 2.87 | 0.11 |
| CFG | Citizens Financial Group,… | $60.19 | 25.85B | -7% | -14% | -46% | — | 14.39 | 1.00 | 2.36 | -4.36 | 52.54 | 1.46 | 69.75% | 20.88% | 16.42% | 7.24% | -19.29% | 0.83% | 0.43 | 0.61 | 1.04 | 1.04 | -0.54 | 2739.00% | -971.00% | 841.00% | 7.73% | 0.01 | -21.46% | 3.37% | 48.50% | 17.07% | -5.05 | -5.77 | -1.05 | 0.27 |
| CMA | Comerica Incorporated | $88.67 | 11.35B | -57% | -40% | -71% | -80% | 10.64 | 1.14 | 1.49 | -0.08 | — | 1.30 | 63.99% | 17.78% | 13.98% | 10.78% | -12.08% | 0.85% | 1.02 | 0.51 | 0.23 | 0.23 | -0.13 | -2181.00% | -495.00% | -5920.00% | 6.03% | 0.01 | -7.75% | 5.39% | 57.30% | 12.31% | -0.09 | -0.18 | -0.02 | -0.37 |
| FITB | Fifth Third Bancorp | $49.47 | 32.7B | -4% | -28% | -64% | -48% | 13.13 | 1.52 | 2.57 | 6.99 | 103.07 | 1.98 | 65.29% | 24.95% | 19.61% | 12.19% | -78.12% | 1.18% | 0.67 | 0.82 | 0.82 | 0.82 | 3.05 | 1274.00% | -140.00% | -4776.00% | 3.80% | 0.01 | -38.98% | 3.51% | 46.10% | 21.08% | 7.87 | 20.06 | 1.96 | 0.20 |
| KEY | KeyCorp | $20.74 | 22.86B | +167% | +928% | -52% | +147% | 12.52 | 1.12 | 2.05 | 9.67 | — | 1.30 | 62.27% | 20.59% | 16.35% | 9.49% | 12.25% | 0.98% | 0.54 | 0.61 | 0.77 | 0.76 | 4.18 | -57500.00% | 2356.00% | 21369.00% | 8.21% | 0.01 | 12.59% | 4.60% | 57.60% | 17.82% | 9.74 | 11.95 | 2.01 | 0.07 |
| PNC | The PNC Financial Service… | $212.35 | 85.66B | +10% | -32% | -52% | -88% | 12.25 | 1.39 | 2.69 | 11.87 | 59.04 | 1.84 | 71.66% | 27.08% | 22.13% | 11.99% | 10.11% | 1.22% | 0.94 | 0.78 | 0.81 | 0.80 | 5.87 | 2074.00% | -698.00% | 1995.00% | 11.20% | 0.02 | 13.66% | 3.49% | 42.70% | 5.07% | 12.00 | 10.77 | 3.25 | 0.17 |
| USB | U.S. Bancorp | $54.66 | 85B | +4% | -5% | +6% | -24% | 11.22 | 1.30 | 1.98 | 11.27 | 51.87 | 1.78 | 62.83% | 22.20% | 17.68% | 12.23% | 17.78% | 1.10% | 1.20 | 0.66 | 2.73 | 2.73 | 3.02 | 2164.00% | 35.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 12.19 | — | 2.71 | 0.40 |
| ZION | Zions Bancorporation, Nat… | $57.28 | 8.46B | -30% | -15% | -22% | -23% | 9.51 | 1.19 | 1.73 | -4.36 | 44.43 | 1.40 | 67.05% | 23.77% | 18.18% | 13.51% | -19.67% | 1.01% | 0.64 | 0.75 | 6.04 | 6.04 | 3.02 | 2141.00% | -98.00% | -666.00% | 11.47% | 0.36 | -21.47% | 3.12% | 29.70% | 3.60% | -4.79 | -5.74 | -1.14 | 0.49 |
About Truist Financial Corporation
Truist 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.
- CEO
- William Henry Rogers Jr.
- Employees
- 37.53K
- Beta
- 0.85
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($38.46 ÷ $50.93) − 1 = -24.48% (DCF, example).