TFC- Truist Financial Corporation
Financial Services · Banks - Regional
Price & Performance
Performance
Analysis & Verdict
Analyst Ratings
HoldWall Street consensus from 18 analysts
12-Month Price Target
$54.92
Based on analyst estimates; price targets are opinions, not guarantees.
Fair Value Estimates
Current price: $50.40
Graham Number
√(22.5 × EPS × Book Value)
$68.57
Benjamin Graham's intrinsic value formula. Assumes a fair stock trades at no more than 22.5× the product of EPS and book value per share.
Bazin Ceiling Price
Avg. Annual DPS (5Y) ÷ 6%
$33.67
Décio Bazin's dividend-based ceiling. The max price you should pay so that dividends alone deliver at least 6% annual yield on your cost basis.
These are simplified estimates. Not financial advice.
Buy & Hold Checklist
Quality criteria for long-term holding
7/10
88% score
Pays dividends
15Y hist.15+ years of dividend history
Dividend consistency (5Y+)
15 yrsUninterrupted dividend payments for at least 5 years
ROE above 10%
9.1%Return on equity - measures how efficiently capital is used
Positive profit margin
30.7%Net profit margin must be positive - company earns more than it spends
Revenue growth (annual)
+8.2%Annual revenue must be growing compared to the prior year
Earnings growth (annual)
+36.7%Annual earnings must be growing compared to the prior year
Debt/Equity below 2×
Low financial leverage reduces risk of distress
Current ratio above 1
Short-term assets must cover short-term liabilities
Daily liquidity above $5M
$401M/dayHigh trading volume ensures easy entry and exit
Dividend yield above 0%
4.13%Stock must distribute income to shareholders
Financials
Revenue & Results
Key Statistics
Earnings
Next Earnings
Oct 16, 2026
33
days
EPS (TTM)
$4.35
P/E (TTM)
11.6
Fwd P/E
10.1
SEC Filings & Reported Financials
Earnings History
SEC EDGAR · official filings
SEC Filings
Official EDGAR documents
Insider Transactions
SEC Form 4 · officers, directors & 10% owners
Dividends & Income
Dividends
Current DY
4.13%
5Y Avg Annual
$1.9600
Last Payment
$0.5200
Ex-Date
08/14/2026
Annual dividends paid per share
| Ex-Date | Payment | Amount | Est. DY |
|---|---|---|---|
Latest08/14/2026 | 09/01/2026 | $0.5200 | 4.13% |
05/08/2026 | 05/26/2026 | $0.5200 | 4.13% |
02/13/2026 | 03/03/2026 | $0.5200 | 4.13% |
11/14/2025 | 12/02/2025 | $0.5200 | 4.13% |
08/08/2025 | 08/26/2025 | $0.5200 | 4.13% |
05/09/2025 | 05/27/2025 | $0.5200 | 4.13% |
02/14/2025 | 03/04/2025 | $0.5200 | 4.13% |
11/08/2024 | 11/26/2024 | $0.5200 | 4.13% |
Magic Number
Shares needed to self-fund your next purchase
$50.40
Price
$0.5200
Last div. (quarterly)
97
shares
Own 97 TFC shares ($4,888.80) and each quarterly dividend pays for 1 new share - the snowball runs on its own.
Investment target
$4,888.80
New shares / year
+4 shares
Dividend Calculator
4.13% yieldEstimate TFC dividend income at the current rate.
Per year
$412.7
Per month
$34.39
≈ 198.4 shares at $2.08/share a year. Estimate only - dividends can be cut or raised.
Tools & Simulators
TFC vs Peers, Indexes & Commodities
?Click a card below to plot it on the chart
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Parameters
Final value
$426,404.61
Total invested
$130,000.00
Total interest
$296,404.61
Balance over time
Period breakdown
| Period | Balance | Invested | Interest |
|---|---|---|---|
| Start | $10,000.00 | $10,000.00 | $0.00 |
| Year 1 | $17,270.27 | $16,000.00 | $1,270.27 |
| Year 2 | $25,267.56 | $22,000.00 | $3,267.56 |
| Year 3 | $34,064.59 | $28,000.00 | $6,064.59 |
| Year 4 | $43,741.32 | $34,000.00 | $9,741.32 |
| Year 5 | $54,385.72 | $40,000.00 | $14,385.72 |
| Year 6 | $66,094.55 | $46,000.00 | $20,094.55 |
| Year 7 | $78,974.28 | $52,000.00 | $26,974.28 |
| Year 8 | $93,141.97 | $58,000.00 | $35,141.97 |
| Year 9 | $108,726.44 | $64,000.00 | $44,726.44 |
| Year 10 | $125,869.35 | $70,000.00 | $55,869.35 |
| Year 11 | $144,726.56 | $76,000.00 | $68,726.56 |
| Year 12 | $165,469.48 | $82,000.00 | $83,469.48 |
| Year 13 | $188,286.70 | $88,000.00 | $100,286.70 |
| Year 14 | $213,385.63 | $94,000.00 | $119,385.63 |
| Year 15 | $240,994.47 | $100,000.00 | $140,994.47 |
| Year 16 | $271,364.18 | $106,000.00 | $165,364.18 |
| Year 17 | $304,770.87 | $112,000.00 | $192,770.87 |
| Year 18 | $341,518.22 | $118,000.00 | $223,518.22 |
| Year 19 | $381,940.31 | $124,000.00 | $257,940.31 |
| Year 20 | $426,404.61 | $130,000.00 | $296,404.61 |
What is compound interest?
Compound interest means that the interest you earn in one period is added to your principal, so in the next period you earn interest on a larger base. This creates exponential growth: the longer your time horizon, the more dramatic the effect.
Which rate should I use?
The S&P 500 has historically returned ~10%/year before inflation over long periods - use this for an all-equity US index fund scenario. A balanced growth portfolio (stocks + bonds) is closer to 7%. High-yield savings accounts (HYSA) are currently paying around 4-5% with FDIC insurance and zero market risk. Bonds historically return ~4% annualized.
Formula used
FV = PV × (1+r)^n + PMT × ((1+r)^n − 1) / rwhere r is the monthly rate, n is the number of months, PV is the initial investment, and PMT is the monthly contribution. Annual rates are converted to monthly viar = (1 + annual%)^(1/12) − 1.
For educational purposes only. Not financial advice. Past returns do not guarantee future results.
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About Truist Financial Corporation
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.
Sector
Financial Services
Industry
Banks - Regional
Location
Charlotte, United States
Employees
37,849
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Truist Financial Corporation (TFC) stock trades at $50.40, up 0.14% on the day. With a market capitalization of $61.57 billion, TFC is a large-cap financial services stock. It trades at a price-to-earnings (P/E) ratio of 11.6, a forward P/E of 10.1 and earnings per share (EPS) of $4.35. Over the most recent period the company reported 8% year-over-year revenue growth and a net profit margin of 30.7%. Below you'll find TFC's full fundamentals, fair-value estimates, dividend history, earnings and our buy, hold or avoid verdict for 2026.
TFC - Frequently Asked Questions
Is Truist Financial Corporation (TFC) a good stock to buy in 2026?
Truist Financial Corporation (TFC) shows strengths such as a strong 31% net margin. Whether TFC is a good buy in 2026 depends on your time horizon and risk tolerance - review the full bull case, bear case and fair-value estimates above. This is informational analysis, not financial advice.
What is TFC's stock price today?
Truist Financial Corporation (TFC) trades at $50.40, up 0.14% on the session. Prices on this page update throughout the trading day.
Does TFC pay a dividend?
Yes. Truist Financial Corporation pays an annual dividend of $2.08 per share, a dividend yield of 4.13%. The most recent ex-dividend date was August 14, 2026. Its payout ratio is about 48% of earnings.
Is TFC overvalued?
With a P/E ratio of 11.6×, TFC trades at a relatively modest valuation for the financial services sector. Its PEG ratio is 1.15. See the Fair Value Estimates section above for Graham Number and dividend-based price targets.
What is TFC's market cap?
Truist Financial Corporation (TFC) has a market capitalization of $61.57 billion, classifying it as a large-cap stock in the Financial Services sector.
Disclaimer: This page - including any buy/hold/avoid view, fair value or price estimate - is generated from market data for informational and educational purposes only and does not constitute financial, investment or trading advice. Data may be delayed or inaccurate. Always do your own research and consult a licensed financial advisor before making any investment decision.