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Upturn AI Summary - About
Truist Financial Corp(TFC)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for TFC
10/02/2026: TFC (1-star) is currently NOT-A-BUY. Pass it for now.
Truist Financial Corp is a major U.S. financial holding company that operates as a diversified bank with a significant footprint in retail, commercial banking, and insurance. The company's primary strength lies in its extensive regional network in the Southeastern U.S. and its diversified revenue streams. Investors look to Truist for its stable dividend income and the long-term potential of its post-merger efficiency improvements. Key risks include intense competitive pressure, exposure to interest rate cycles, and ongoing execution requirements related to its organizational structure. Truist may suit value and dividend-focused investors, provided they monitor progress on cost management and credit quality in a changing economic environment.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | Truist is a mature financial institution focused on stability and efficiency rather than high-growth scaling. |
| Momentum investor | Weak fit | The stock tends to trade based on macro interest rate trends rather than short-term price momentum. |
| Value investor | Strong fit | The company often trades at valuations that reflect stable book value and consistent dividend yields. |
| Dividend investor | Strong fit | Truist offers a reliable dividend yield that is attractive for income-focused portfolios. |
| Low-risk investor | Mixed fit | While established, the banking sector faces inherent macro and regulatory risks that can cause periodic volatility. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | Financial stocks are highly sensitive to shifting interest rate expectations and economic outlooks. |
| Valuation risk | Medium | The stock's valuation is largely tied to its price-to-tangible-book-value ratio, which fluctuates with market sentiment. |
| Competition risk (Banking) | High | Intense competition from larger banks and nimble digital fintechs exerts pressure on margins. |
| Business quality | Strong | Truist maintains a strong, diversified franchise with solid regional roots. |
| Dividend income | Strong | The company has a clear commitment to returning capital to shareholders through dividends. |
| Execution risk | Medium / high | Ongoing efforts to optimize the cost base and integrate technology systems require disciplined management. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit -1.11% | Avg. Invested days 52 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/02/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 56.54B USD | Price to earnings Ratio 10.64 | 1Y Target Price 54.79 |
Price to earnings Ratio 10.64 | 1Y Target Price 54.79 | ||
Volume (30-day avg) 7.3M shares | Beta 0.86 | 52 Weeks Range 39.10 - 54.52 | Updated Date 10/02/2026 |
52 Weeks Range 39.10 - 54.52 | Updated Date 10/02/2026 | ||
Dividends yield (FY) 4.49% | Basic EPS (TTM) 4.35 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on loans and securities minus interest paid on deposits. | This is the core profit from lending money at higher rates than they pay to depositors. |
| Fee Income | Service charges, wealth management fees, and insurance brokerage commissions. | This provides steady, recurring revenue that doesn't rely solely on interest rates. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 10.64 | Forward PE 9.58 | Enterprise Value 84.78B | Price to Sales(TTM) 2.97 |
Enterprise Value 84.78B | Price to Sales(TTM) 2.97 | ||
Enterprise Value to Revenue 6.43 | Enterprise Value to EBITDA - | Shares Outstanding 1.22B | Shares Floating 1.22B |
Shares Outstanding 1.22B | Shares Floating 1.22B | ||
Percent Insiders 0.18 | Percent Institutions 78.39 |
Upturn AI Summary
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.
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
About Truist Financial Corp
Exchange NYSE | Headquarters Charlotte, NC, United States | ||
IPO Launch date 1990-03-26 | President, CEO & Director Mr. Michael Patrick Lyons | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 37849 | Website https://www.truist.com |
Full time employees 37849 | 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; 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.
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