Truist Financial Corp (TFC) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Truist Financial Corp stock (TFC) is currently trading at $45.39. Truist Financial Corp PE ratio is 11.86. Truist Financial Corp PS ratio (Price-to-Sales) is 3.15. Analyst consensus price target for TFC is $56.55. WallStSmart rates TFC as Moderate Buy.
- TFC PE ratio analysis and historical PE chart
- TFC PS ratio (Price-to-Sales) history and trend
- TFC intrinsic value — DCF, Graham Number, EPV models
- TFC stock price prediction 2025 2026 2027 2028 2029 2030
- TFC fair value vs current price
- TFC insider transactions and insider buying
- Is TFC undervalued or overvalued?
- Truist Financial Corp financial analysis — revenue, earnings, cash flow
- TFC Piotroski F-Score and Altman Z-Score
- TFC analyst price target and Smart Rating
Truist Financial Corp
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TFC Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Truist Financial Corp (TFC)
TFC trades at a significant discount to its Graham intrinsic value of $91.99, offering a 41% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Truist Financial Corp (TFC) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in market cap, peg ratio, operating margin. Concerns around return on equity and revenue growth. Overall metrics suggest strong investment potential with favorable risk/reward.
Truist Financial Corp (TFC) Key Strengths (6)
Keeps $33 of every $100 in revenue after operating costs
Trading below book value, meaning the market prices it less than net assets
Keeps $29 of every $100 in revenue as net profit
78.88% of shares held by major funds and institutions
Large-cap company with substantial market presence
Good growth relative to its price
Supporting Valuation Data
Truist Financial Corp (TFC) Areas to Watch (4)
Revenue growing slowly at 3.20% annually
Low profitability relative to shareholder equity
Revenue is fairly priced at 3.15x sales
Solid earnings growth at 10.80%
Truist Financial Corp (TFC) Detailed Analysis Report
Overall Assessment
This company scores 73/100 in our Smart Analysis, earning a B grade. Out of 10 metrics analyzed, 6 register as strengths (avg 9.5/10) while 4 fall into concern territory (avg 4.3/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Operating Margin, Price/Book, Profit Margin. Valuation metrics including PEG Ratio (1.12), Price/Book (0.91) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 32.70%, Profit Margin at 28.80%.
The Bear Case
The primary concerns are Revenue Growth, Return on Equity, Price/Sales. Some valuation metrics including Price/Sales (3.15) suggest expensive pricing. Growth concerns include Revenue Growth at 3.20%, EPS Growth at 10.80%, which may limit upside. Profitability pressure is visible in Return on Equity at 8.24%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Revenue Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 8.24% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 3.20% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of Operating Margin and Price/Book makes a compelling case at current levels. The key risk is Revenue Growth, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
TFC Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
TFC's Price-to-Sales ratio of 3.15x trades at a 36% premium to its historical average of 2.31x (87th percentile). The current valuation is 13% below its historical high of 3.63x set in Jan 2018, and 258% above its historical low of 0.88x in Feb 2009.
WallStSmart Analysis Synopsis
Data-driven financial summary for Truist Financial Corp (TFC) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Truist Financial Corp is a strong growth company balancing expansion with improving profitability. Revenue reached 18.4B with 320% growth year-over-year. Profit margins are strong at 28.8%, reflecting pricing power and operational efficiency.
Key Findings
Revenue growing at 320% YoY, reaching 18.4B. This pace significantly outperforms most BANKS - REGIONAL peers.
ROE of 824.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
What to Watch Next
Growth sustainability: can Truist Financial Corp maintain 320%+ revenue growth, or will competition slow it down?
Dividend sustainability with a current yield of 4.6%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Truist Financial Corp.
Bottom Line
Truist Financial Corp offers an attractive blend of growth (320% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Truist Financial Corp(TFC)
NYSE
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Truist Financial Corporation is an American bank holding company headquartered in Charlotte, North Carolina. Its bank operates 2,781 branches in 15 states and Washington, D.C., and offers consumer and commercial banking, securities brokerage, asset management, mortgage, and insurance products and services.