Update shared on 16 Nov 2025
Fair value Increased 0.094%Truist Financial's analyst price target has seen a modest increase to $49, up $1 from prior estimates. Analysts point to improved returns on tangible common equity and incremental progress in key financial metrics.
Analyst Commentary
Analyst sentiment on Truist Financial remains mixed, reflecting both optimism around recent progress and lingering concerns about execution and competitive standing.
Bullish Takeaways
- Bullish analysts have increased their price targets, citing incremental improvements in key financial metrics and stronger returns on tangible common equity (ROTCE).
- Revised estimates point to higher profitability, supporting a slightly more favorable valuation outlook.
- Steady progress in financial performance indicates management's ability to drive incremental returns despite industry headwinds.
Bearish Takeaways
- Some analysts caution that the company’s newly announced 5-year strategic plan introduces metrics that may lack differentiation from peer strategies implemented several years ago.
- There are concerns that execution may lag, as the company continues to lose market share and underperform in industry satisfaction rankings.
- The price target for some remains unchanged, pointing to skepticism about the immediate impact of the announced changes on overall growth or valuation.
- Investors may be wary of another long-term plan that does not address core challenges or provide a clear competitive edge.
What's in the News
- Launched Truist One View Connect, an embedded banking solution integrated with major ERP platforms to help finance teams manage payments and cash more efficiently. (Product-Related Announcements)
- Named as a defendant in a class action lawsuit alleging collusion among major US banks to fix the prime rate, impacting interest rates for consumers and small businesses. (Lawsuits & Legal Issues)
- Reported net charge-offs of $385 million for the third quarter ended September 30, 2025, an improvement compared to $418 million a year ago. (Impairments/Write Offs)
- Repurchased 11,099,000 shares worth $500.01 million during the third quarter, completing 5.02% of the total buyback program announced in June 2024. (Buyback Tranche Update)
- Issued new and confirmed corporate guidance, forecasting revenue growth of up to 2% for the fourth quarter and expecting the 2026 revenue growth rate to more than double versus 2025. (Corporate Guidance - New/Confirmed)
Valuation Changes
- Fair Value Estimate has risen slightly, increasing from $50.50 to $50.55.
- Discount Rate has increased from 7.98% to 8.07%. This reflects a cautious adjustment in risk assumptions.
- Revenue Growth Expectations have fallen marginally, moving from 9.32% to 9.29%.
- Net Profit Margin has improved slightly, increasing from 23.66% to 23.70%.
- Future Price-to-Earnings (P/E) Ratio has risen minimally, moving from 12.88x to 12.91x.
Disclaimer
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