Truist Financial Corporation

DB:BBK Stock Report

Market Cap: €55.1b

Truist Financial Valuation

Is BBK undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

3/6

Valuation Score 3/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Book vs Peers

  • Price-To-Book vs Industry

  • Price-To-Book vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of BBK when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: BBK (€40.67) is trading below our estimate of fair value (€78.25)

Significantly Below Fair Value: BBK is trading below fair value by more than 20%.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for BBK?

Key metric: As BBK is an unprofitable bank we use its Price-To-Book Ratio for relative valuation analysis.

The above table shows the Price to Book ratio for BBK. This is calculated by dividing BBK's market cap by their current book value.
What is BBK's PB Ratio?
PB Ratio1x
BookUS$59.02b
Market CapUS$57.51b

Price to Book Ratio vs Peers

How does BBK's PB Ratio compare to its peers?

The above table shows the PB ratio for BBK vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PBEstimated GrowthMarket Cap
Peer Average1.1x
CBK Commerzbank
0.5x8.9%€18.1b
RF Regions Financial
1.3x12.0%US$21.6b
MTB M&T Bank
1.2x6.7%US$31.4b
HBAN Huntington Bancshares
1.3x11.1%US$23.7b
BBK Truist Financial
1x55.0%€57.5b

Price-To-Book vs Peers: BBK is good value based on its Price-To-Book Ratio (1x) compared to the peer average (1.1x).

Price to Book Ratio vs Industry

How does BBK's PB Ratio compare vs other companies in the European Banks Industry?

5 CompaniesPrice / BookEstimated GrowthMarket Cap
BBK 1.0xIndustry Avg. 0.8xNo. of Companies36PB00.61.21.82.43+
5 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Book vs Industry: BBK is expensive based on its Price-To-Book Ratio (1x) compared to the European Banks industry average (0.8x).

Price to Book Ratio vs Fair Ratio

What is BBK's PB Ratio compared to its Fair PB Ratio? This is the expected PB Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

BBK PB Ratio vs Fair Ratio.
Fair Ratio
Current PB Ratio1x
Fair PB Ration/a

Price-To-Book vs Fair Ratio: Insufficient data to calculate BBK's Price-To-Book Fair Ratio for valuation analysis.

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst BBK forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
Current€40.67
€48.14
+18.4%
7.9%€57.87€43.40n/a21
Dec ’25€45.05
€46.10
+2.3%
6.5%€57.17€42.88n/a21
Nov ’25€39.44
€43.44
+10.2%
3.6%€45.97€40.45n/a21
Oct ’25€38.05
€41.98
+10.3%
5.0%€45.68€37.62n/a21
Sep ’25€39.40
€41.91
+6.4%
5.1%€45.73€37.66n/a22
Aug ’25€41.08
€43.03
+4.8%
5.7%€47.26€37.99n/a23
Jul ’25€35.82
€40.03
+11.8%
6.7%€43.77€31.66n/a23
Jun ’25€34.01
€39.87
+17.2%
6.8%€43.52€31.48n/a23
May ’25€35.48
€39.73
+12.0%
7.9%€46.77€31.80n/a21
Apr ’25€35.60
€38.24
+7.4%
9.8%€46.35€28.83n/a22
Mar ’25€32.20
€37.74
+17.2%
10.0%€46.21€28.74n/a22
Feb ’25€34.20
€37.63
+10.0%
9.5%€46.00€28.61n/a24
Jan ’25€33.60
€33.38
-0.6%
13.0%€45.18€25.30n/a25
Dec ’24€29.40
€32.26
+9.7%
14.9%€45.94€25.73€45.0524
Nov ’24€26.60
€32.69
+22.9%
16.4%€47.32€22.71€39.4424
Oct ’24€26.60
€34.10
+28.2%
13.3%€46.97€27.24€38.0524
Sep ’24€28.00
€34.09
+21.8%
11.6%€45.99€27.13€39.4024
Aug ’24€30.20
€33.85
+12.1%
12.3%€48.82€28.02€41.0824
Jul ’24€28.20
€35.43
+25.6%
15.3%€49.49€26.58€35.8222
Jun ’24€28.60
€38.25
+33.7%
15.5%€50.13€28.78€34.0122
May ’24€28.20
€39.07
+38.6%
14.9%€51.96€28.26€35.4822
Apr ’24€31.00
€46.81
+51.0%
12.3%€52.55€28.58€35.6022
Mar ’24€44.20
€49.13
+11.2%
7.8%€56.11€39.27€32.2022
Feb ’24€45.20
€48.02
+6.2%
8.7%€55.22€38.65€34.2022
Jan ’24€40.40
€49.04
+21.4%
10.4%€57.38€39.51€33.6022
Dec ’23€44.60
€51.16
+14.7%
10.7%€59.55€41.00€29.4022

Analyst Forecast: Target price is less than 20% higher than the current share price.

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/22 03:09
End of Day Share Price 2024/12/20 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Truist Financial Corporation is covered by 57 analysts. 15 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Stephen BiggarArgus Research Company
David GeorgeBaird
Ishan MajumdarBaptista Research