Financials · Diversified Banks · US stock · price as of 22 Oct 2026
Key indicators
Price
$48.42
52-week range
$43.13 – $56.20
Market cap
$60.0B
P/E (trailing)
10.6×
Dividend yield
4.3%
Revenue (last 12 months)
–
Revenue growth (3y a year)
–
Price / book
0.9×
Return on equity
9.1%
Fair value
Fair value (average of valid models)$62.17 middle half of models $49 – $69
Versus priceUndervalued+28% to fair value
P/E multiple
$48.69
P/B multiple
$48.69
Dividend discount, stable
$89.13
Model uncertainty
Medium
X-Ray Score
38/ 100 · Low confidence · ahead of 17% of sector peers
Valuation71
Growth12
Profitability22
Financial health42
Dividends37
Five-year price chart navy: price · brown: 200-day average · blue band: fair value range
Executive summary
Truist Financial is a Charlotte-based bank holding company created through the combination of BB&T and SunTrust. It serves consumers, small businesses, corporations and institutions, mainly in the Southeast and Mid-Atlantic, with consumer banking, commercial banking, mortgage, payments and wealth management services. Its customers use it for deposits, loans, payments, mortgages and investment accounts.
As a bank, Truist earns money from the difference between interest on loans and what it pays on deposits, and from fees on payments, wealth management and capital markets. The data sheet does not include a revenue figure for the company. The dividend yield is 4.3%.
StocksXray gives Truist Financial Corp an X-Ray Score of 38 out of 100 (low confidence), ahead of 17% of the S&P 500 stocks in its sector. Its strongest lens is valuation (71) and its weakest is growth (12).
Our fair value (the average of the valid models) is $62.17 (range $48.69 to $68.91). At $48.42 the stock trades 22% below that value, so the label is "Undervalued" with medium model uncertainty. Fair value is a range, not a price target.
XStocksXray
Truist Financial Corp (TFC)
Valuation history multiples at each fiscal year-end price; the last column uses today's price and the last twelve months
FY2021
FY2022
FY2023
FY2024
FY2025
Now
Price
$46.37
$35.46
$32.41
$40.10
$47.74
$48.42
Market cap
$62.6B
$47.5B
$43.2B
$53.4B
$62.2B
$60.0B
P/E
10.4×
8.0×
–
11.9×
12.5×
10.6×
Price / book
0.9×
0.8×
0.7×
0.8×
1.0×
0.9×
Dividend yield
4.01%
5.64%
6.42%
5.19%
4.36%
4.30%
Fundamentals checklist ● 1 Good · ● 0 Average · ● 2 Bad · each check graded against the sector
Growth
EPS growth (3y)−4.8%Bad
Valuation
Fair value vs price1.3×Good
Profitability
Return on invested capital6.1%Bad
XStocksXray
Truist Financial Corp (TFC)
Financials US$ millions, from SEC filings; last column is the last twelve months
Income statement
FY21
FY22
FY23
FY24
FY25
LTM
Revenue
–
–
–
–
–
–
Net income
6,437
6,267
-1,047
4,840
5,307
5,840
Diluted EPS ($)
4.47
4.43
-1.09
3.36
3.82
4.58
Net margin
–
–
–
–
–
–
Balance sheet
FY21
FY22
FY23
FY24
FY25
LTM
Total assets
541,241
555,255
535,349
531,176
547,538
556,023
Cash
20,295
21,421
30,644
39,768
36,377
39,288
Total debt
41,205
66,625
63,746
64,161
69,802
69,861
Equity
69,271
60,537
59,253
63,679
65,189
64,095
Dividend per share ($)
1.86
2.00
2.08
2.08
2.08
2.08
Revenue and net income US$ billions: navy revenue, teal net income
Every number comes from SEC filings, end-of-day prices and the StocksXray models described on the methodology page. The X-Ray Score ranks each metric against the company's own sector. Fair value is the average of up to 15 valuation models, most of them anchored to the company's own multiples, so it stays near the price and should be read as a range, not a point. Analyst ratings, price targets and earnings-call summaries are not part of this report. Educational research, not financial advice; read the disclaimer.
