Truist Financial Corporation (TFC)

FairStock Score: 49/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

At the 2026-10-26 close of $48.91, Truist is a $59.7B regional bank with a 4.25% dividend and a beta of 0.91. Regional banking is competitive, so I would not call the moat wide; the franchise depends on conservative underwriting and local deposit relationships. The filed figures show real repair: after a fiscal 2023 net loss of $1.0B and EPS of -$1.09, fiscal 2024 net income was $4.8B ($3.36 EPS), fiscal 2025 net income was $5.3B ($3.82 EPS), and fiscal Q2 2026, the quarter ended 2026-06-30, produced $1.6B of net income and $1.23 diluted EPS versus $1.2B and $0.90 in fiscal Q2 2025. That matches the FairStock TURNAROUND category—returned to profit after a loss within the last three years. Revenue is n/a in the filed figures, so I rely on earnings. At that close, FairStock calculations show P/E 12.61, P/B 1.05, ROE 8.16%, PEG 0.72, Piotroski 4/9 and a 58/100 FairStock Score. The price is not demanding, and P/B near 1 with a 4.25% yield offers some margin of safety, but an 8.16% ROE is only adequate. CET1, NIM, combined ratio and credit/underwriting metrics are not in the data; D/E N/A and ROCE 0.95% do not help much for a bank. FairStock Score 58/100 fits: improving, cheap-ish, not clearly high quality.

In plain English: Truist Financial is a regional bank that provides checking, savings, lending and trust services mainly in the Southeast and Mid-Atlantic. The business looks financially steady and is improving: it returned to profit after a loss in 2023, and recent quarterly profits were higher than a year earlier, though overall profitability is still modest. At $48.91 on 2026-10-26, the price looks roughly fair to modestly cheap compared with the company's profits and the value of its assets.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-26 close · note generated 2026-10-28 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer