Truist Financial Corporation

NYSE:TFC Stock Report

Market Cap: US$57.3b

Truist Financial Valuation

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

Valuation Score

4/6

Valuation Score 4/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

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

Discounted Cash Flow
Simply Wall St
US$57.15
Fair Value
22.3% undervalued intrinsic discount
21
Number of Analysts

Below Fair Value: TFC ($44.42) is trading below our estimate of fair value ($57.15)

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

Key Valuation Metric

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

Key metric: As TFC is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for TFC. This is calculated by dividing TFC's market cap by their current earnings.
What is TFC's PE Ratio?
PE Ratio11.7x
EarningsUS$4.90b
Market CapUS$57.28b

Price to Earnings Ratio vs Peers

How does TFC's PE Ratio compare to its peers?

The above table shows the PE ratio for TFC vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average12.5x
MTB M&T Bank
11.7x2.10%US$29.7b
HBAN Huntington Bancshares
12.2x5.95%US$24.3b
RF Regions Financial
11.7x5.25%US$22.8b
CFG Citizens Financial Group
14.3x21.85%US$20.8b
TFC Truist Financial
11.7x8.52%US$57.3b

Price-To-Earnings vs Peers: TFC is good value based on its Price-To-Earnings Ratio (11.7x) compared to the peer average (12.5x).

Price to Earnings Ratio vs Industry

How does TFC's PE Ratio compare vs other companies in the US Banks Industry?

4 CompaniesPrice / EarningsEstimated GrowthMarket Cap
FRCB First Republic Bank
0.02xn/aUS$27.98m
OCNB Oconomowoc Bancshares
0.6xn/aUS$9.93m
SBNY Signature Bank
0.002xn/aUS$2.18m
BCBH.F Caribbean Investment Holdings
0.00001xn/aUS$132.00
No more companies available in this PE range
TFC 11.7xIndustry Avg. 11.4xNo. of Companies110PE0612182430+
4 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: TFC is expensive based on its Price-To-Earnings Ratio (11.7x) compared to the US Banks industry average (11.4x).

Price to Earnings Ratio vs Fair Ratio

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

TFC PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio11.7x
Fair PE Ratio13.8x

Price-To-Earnings vs Fair Ratio: TFC is good value based on its Price-To-Earnings Ratio (11.7x) compared to the estimated Fair Price-To-Earnings Ratio (13.8x).

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 TFC forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentUS$44.42
US$48.69
+9.61%
4.62%US$55.00US$46.00n/a21
Aug ’26US$42.96
US$48.55
+13.01%
4.24%US$55.00US$46.00n/a21
Jul ’26US$44.20
US$45.97
+3.99%
7.13%US$55.00US$40.50n/a20
Jun ’26US$39.50
US$45.12
+14.22%
6.31%US$50.00US$40.50n/a20
May ’26US$38.59
US$45.33
+17.47%
6.65%US$50.00US$40.50n/a19
Apr ’26US$41.02
US$49.86
+21.55%
7.08%US$57.00US$44.00n/a20
Mar ’26US$46.35
US$51.81
+11.78%
6.79%US$60.00US$46.81n/a20
Feb ’26US$47.62
US$51.45
+8.04%
7.63%US$60.00US$45.50n/a19
Jan ’26US$43.38
US$49.91
+15.06%
7.93%US$60.00US$45.00n/a21
Dec ’25US$47.68
US$48.39
+1.49%
6.52%US$60.00US$45.00n/a21
Nov ’25US$42.82
US$47.25
+10.34%
3.58%US$50.00US$44.00n/a21
Oct ’25US$41.72
US$46.88
+12.36%
5.04%US$51.00US$42.00n/a21
Sep ’25US$44.46
US$46.75
+5.14%
5.10%US$51.00US$42.00n/a22
Aug ’25US$43.35
US$46.43
+7.11%
5.71%US$51.00US$41.00US$42.9623
Jul ’25US$39.25
US$42.99
+9.52%
6.69%US$47.00US$34.00US$44.2023
Jun ’25US$37.75
US$43.06
+14.07%
6.84%US$47.00US$34.00US$39.5023
May ’25US$38.05
US$42.47
+11.63%
7.89%US$50.00US$34.00US$38.5921
Apr ’25US$38.37
US$41.25
+7.51%
9.79%US$50.00US$31.10US$41.0222
Mar ’25US$35.26
US$40.84
+15.83%
9.97%US$50.00US$31.10US$46.3522
Feb ’25US$36.50
US$40.90
+12.05%
9.50%US$50.00US$31.10US$47.6224
Jan ’25US$36.92
US$36.95
+0.076%
13.00%US$50.00US$28.00US$43.3825
Dec ’24US$33.27
US$35.11
+5.52%
14.95%US$50.00US$28.00US$47.6824
Nov ’24US$28.49
US$34.54
+21.24%
16.44%US$50.00US$24.00US$42.8224
Oct ’24US$28.61
US$36.30
+26.89%
13.29%US$50.00US$29.00US$41.7224
Sep ’24US$30.90
US$37.07
+19.96%
11.55%US$50.00US$29.50US$44.4624
Aug ’24US$32.80
US$37.44
+14.16%
12.33%US$54.00US$31.00US$43.3524
AnalystConsensusTarget
Consensus Narrative from 21 Analysts
US$48.69
Fair Value
8.8% undervalued intrinsic discount
21
Number of Analysts

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 Analysis2025/08/17 16:15
End of Day Share Price 2025/08/15 00:00
Earnings2025/06/30
Annual Earnings2024/12/31

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.

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 Github.

Analyst Sources

Truist Financial Corporation is covered by 59 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
Jason GoldbergBarclays