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Upturn AI SWOT - About
TFC 
Truist Financial Corp (TFC)
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Upturn Advisory Summary
08/15/2025: TFC (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
23 Analysts rated it
Well-followed company, solid analyst reports, reliable data for confident investing.
1 Year Target Price $48.69
1 Year Target Price $48.69
| 7 | Strong Buy |
| 3 | Buy |
| 13 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 13.19% | Avg. Invested days 51 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 08/15/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 57.28B USD | Price to earnings Ratio 12.04 | 1Y Target Price 48.69 |
Price to earnings Ratio 12.04 | 1Y Target Price 48.69 | ||
Volume (30-day avg) 23 | Beta 0.84 | 52 Weeks Range 32.72 - 47.29 | Updated Date 08/16/2025 |
52 Weeks Range 32.72 - 47.29 | Updated Date 08/16/2025 | ||
Dividends yield (FY) 4.63% | Basic EPS (TTM) 3.69 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-07-18 | When Before Market | Estimate 0.9278 | Actual 0.91 |
Profitability
Profit Margin 28.73% | Operating Margin (TTM) 37.1% |
Management Effectiveness
Return on Assets (TTM) 0.98% | Return on Equity (TTM) 8.13% |
Valuation
Trailing PE 12.04 | Forward PE 11.32 | Enterprise Value 75639709696 | Price to Sales(TTM) 3.15 |
Enterprise Value 75639709696 | Price to Sales(TTM) 3.15 | ||
Enterprise Value to Revenue 6.2 | Enterprise Value to EBITDA - | Shares Outstanding 1289440000 | Shares Floating 1285992375 |
Shares Outstanding 1289440000 | Shares Floating 1285992375 | ||
Percent Insiders 0.22 | Percent Institutions 81 |
Upturn AI SWOT
Truist Financial Corp
Company Overview
History and Background
Truist Financial Corp was formed in December 2019 through the merger of BB&T Corporation and SunTrust Banks. BB&T was founded in 1872, while SunTrust's roots trace back to 1891. The merger created the sixth-largest bank holding company in the US.
Core Business Areas
- Consumer Banking and Wealth: Provides a range of banking, investment, and trust services to individuals and families, including deposit accounts, loans, credit cards, and wealth management solutions.
- Corporate and Commercial Banking: Offers financial solutions to businesses, including commercial lending, treasury services, investment banking, and capital markets services.
- Insurance Holdings: Offers insurance products and services.
Leadership and Structure
William H. Rogers Jr. serves as the Chairman and CEO. The company operates with a traditional hierarchical structure, with various executive leadership positions overseeing different business segments and support functions.
Top Products and Market Share
Key Offerings
- Mortgages: Provides residential mortgages to individuals. Market share is approximately 2-3% nationally (estimated based on overall mortgage origination volume). Competitors include Wells Fargo, JPMorgan Chase, and Bank of America. Exact revenue from this product is not publicly broken out.
- Commercial Lending: Offers loans and credit facilities to businesses of various sizes. Truist has a strong regional presence in the Southeast. Competitors include Bank of America, PNC, and Regions Financial. Revenue from commercial lending is a significant portion of the Corporate and Commercial Banking segment revenue; Specific market share data is not directly available.
- Wealth Management: Truist provides a variety of financial planning and investment services for individuals and families. The firm competes with Raymond James, Morgan Stanley, and other firms in the space. Specific market share data is not directly available.
Market Dynamics
Industry Overview
The banking industry is currently facing increased regulatory scrutiny, rising interest rates, and competition from fintech companies. Digital transformation and cybersecurity are key priorities.
Positioning
Truist is positioned as a regional bank with a strong focus on the Southeast US, aiming to provide personalized service and a comprehensive suite of financial products. Competitive advantages include its strong regional presence and diversified business model.
Total Addressable Market (TAM)
The total addressable market for banking services in the US is estimated to be in the trillions of dollars. Truist's TAM is limited by its current branch footprint and strategic focus. They are positioned to capture a significant portion of the market in the southeastern US and other target markets.
Upturn SWOT Analysis
Strengths
- Strong regional presence in the Southeast
- Diversified business model
- Strong capital position
- Comprehensive suite of financial products
Weaknesses
- Integration challenges from the BB&T and SunTrust merger
- Limited national presence compared to larger competitors
- Exposure to regional economic downturns
- Efficiency and operational costs
Opportunities
- Expanding into new markets through digital channels
- Acquiring smaller banks or fintech companies
- Increasing cross-selling of products and services
- Further optimizing the branch network.
Threats
- Increased competition from fintech companies
- Rising interest rates and potential economic recession
- Cybersecurity threats and data breaches
- Changes in regulatory requirements
Competitors and Market Share
Key Competitors
- BAC
- WFC
- JPM
- PNC
- USB
Competitive Landscape
Truist's advantages include its regional strength and diversified business model. Disadvantages include a smaller national presence compared to larger competitors like JPMorgan Chase and Bank of America. The company faces intense competition in all its business lines.
Major Acquisitions
Sterling Capital Management
- Year: 2020
- Acquisition Price (USD millions): 0
- Strategic Rationale: To strengthen its wealth management capabilities.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been impacted by the merger. Organic growth strategies are now a key focus.
Future Projections: Analyst projections suggest moderate growth in revenue and earnings over the next few years, driven by organic growth initiatives and cost savings from the merger.
Recent Initiatives: Recent initiatives include digital transformation efforts, expansion of wealth management services, and optimization of the branch network.
Summary
Truist Financial Corp. is a major player in the Southeast US banking sector, offering diverse financial services. While the merger integration continues and competition remains fierce, the bank's strong regional presence and diversified business model provide a solid foundation. Truist needs to continue to innovate with Fintech to fight off disruption in order to realize the full benefits of the merger and navigate the challenges of a changing economic landscape.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Truist Financial Corp. Investor Relations
- SEC Filings
- Industry Reports
- Analyst Estimates
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered financial advice. Market data and estimates are subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Truist Financial Corp
Exchange NYSE | Headquaters Charlotte, NC, United States | ||
IPO Launch date 1990-03-26 | Executive Chairman & CEO Mr. William Henry Rogers Jr. | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 37996 | Website https://www.truist.com |
Full time employees 37996 | Website https://www.truist.com | ||
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; automobile lending; credit card lending; consumer finance; 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.
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