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Upturn AI SWOT - About
TFC 
Truist Financial Corp (TFC)
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Upturn Advisory Summary
10/14/2025: TFC (3-star) is a SELL. SELL since 4 days. Simulated Profits (8.64%). Updated daily EoD!
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Number of Analysts
23 Analysts rated it
Well-followed company, solid analyst reports, reliable data for confident investing.
1 Year Target Price $49.53
1 Year Target Price $49.53
| 7 | Strong Buy |
| 3 | Buy |
| 13 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 12.75% | Avg. Invested days 56 | Today’s Advisory SELL |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 10/14/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 56.64B USD | Price to earnings Ratio 11.91 | 1Y Target Price 49.53 |
Price to earnings Ratio 11.91 | 1Y Target Price 49.53 | ||
Volume (30-day avg) 23 | Beta 0.85 | 52 Weeks Range 32.72 - 47.46 | Updated Date 10/14/2025 |
52 Weeks Range 32.72 - 47.46 | Updated Date 10/14/2025 | ||
Dividends yield (FY) 4.84% | Basic EPS (TTM) 3.69 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-17 | When Before Market | Estimate 0.99 | Actual - |
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 11.91 | Forward PE 10.16 | Enterprise Value 75007885312 | Price to Sales(TTM) 3.12 |
Enterprise Value 75007885312 | Price to Sales(TTM) 3.12 | ||
Enterprise Value to Revenue 6.26 | Enterprise Value to EBITDA - | Shares Outstanding 1289435167 | Shares Floating 1285992375 |
Shares Outstanding 1289435167 | Shares Floating 1285992375 | ||
Percent Insiders 0.22 | Percent Institutions 75.47 |
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 traced its roots back to 1891. The merger created the sixth-largest commercial bank in the U.S.
Core Business Areas
- Consumer Banking: Offers a range of banking products and services to individuals, including checking and savings accounts, credit cards, mortgages, and personal loans.
- Commercial Banking: Provides banking solutions to businesses of all sizes, including loans, lines of credit, treasury services, and investment banking services.
- Wealth Management: Offers wealth management and investment advisory services to high-net-worth individuals and families.
- Insurance Holdings: The insurance holding company, offers products such as commercial insurance, employee benefits, life and health products and personal lines.
Leadership and Structure
William H. Rogers Jr. is the Chairman and CEO. The organizational structure includes various business segments headed by executive leadership, reporting to the CEO. The board of directors oversees corporate governance.
Top Products and Market Share
Key Offerings
- Mortgages: Truist originates mortgages for residential properties. While specific market share data fluctuates, Truist is a significant player in the Southeast US mortgage market. Competitors include Wells Fargo (WFC), JPMorgan Chase (JPM), and Bank of America (BAC).
- Commercial Lending: Truist provides loans and lines of credit to businesses. Specific market share data for Truist is difficult to obtain as it varies by region and industry. Competitors include Wells Fargo (WFC), JPMorgan Chase (JPM), and Bank of America (BAC).
- Wealth Management Services: Truist Wealth offers financial planning and investment management. Competitors include Morgan Stanley (MS), Goldman Sachs (GS) and Bank of America (BAC).
Market Dynamics
Industry Overview
The banking industry is currently facing increased competition from fintech companies, rising interest rates and inflation, and evolving regulatory landscape, and slow economic conditions.. Consolidation and digitization are ongoing trends.
Positioning
Truist is positioned as a full-service financial institution with a strong presence in the Southeastern United States. It aims to offer a combination of personalized service and digital capabilities.
Total Addressable Market (TAM)
The total addressable market (TAM) for banking services in the US is several trillion dollars. Truist aims to capture a significant portion of this market through its various business lines. The value is measured in combined assets, loans, and the number of customers within the financial services sector.
Upturn SWOT Analysis
Strengths
- Strong regional presence in the Southeast
- Diversified revenue streams across banking, wealth management, and insurance
- Established brand recognition
- Strong Capital Position
- Expanded Technological Capabilities
Weaknesses
- Integration challenges from the BB&T and SunTrust merger
- Geographic concentration in the Southeast
- Customer service improvement still in progress
- Efficiency Ratio
Opportunities
- Expansion into new geographic markets
- Further development of digital banking platforms
- Growing wealth management business
- Increase in interest rates (net interest income)
- Further Cost Synergies from merger
Threats
- Increased competition from fintech companies
- Economic downturn and potential credit losses
- Regulatory changes and compliance costs
- Cybersecurity risks
- Interest Rate Volatility
Competitors and Market Share
Key Competitors
- JPM
- BAC
- WFC
- USB
Competitive Landscape
Truist's advantages include its strong regional presence and diversified business model. Disadvantages include integration challenges and competition from larger national banks with greater resources.
Major Acquisitions
BenefitMall
- Year: 2022
- Acquisition Price (USD millions): 450
- Strategic Rationale: Expansion of insurance services, particularly in employee benefits.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends can be analyzed through Truist's historical financial performance. Refer to investor releases
Future Projections: Future projections require access to analyst reports. No data available
Recent Initiatives: Recent strategic initiatives include digital transformation efforts, expansion of wealth management services, and cost-saving initiatives related to the merger.
Summary
Truist Financial Corp is a large regional bank with a strong presence in the Southeast. The merger of BB&T and SunTrust has created a more diversified financial institution; however, integration challenges remain. Truist faces competition from larger national banks and fintech companies. Focus on digital transformation and expansion into new markets are essential for future growth. Market share needs improvement.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Truist Investor Relations
- Analyst Reports
- Market Research Reports
- Company Press Releases
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is estimated and may not be precise. Past performance is not indicative of future results. Consult with a qualified financial advisor before making any investment decisions.
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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