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TFC · Truist Financial Corp

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$50.26 -0.72 (-1.40%)
Market Cap
$61.61B
Shares
1.22B

Price & Indicators

Indicators
Price
Panels
Event markers
20d MA 50d MA 200d MA Earnings Filing Insider Congress Investor day
Close$50.97 Open$52.41 Day$50.89–52.52 52W close$41.09–55.81 Avg vol 30d7.3M Short int27.7M · 2.3% float · 3.3d Short vol65% Last earningsJan 20, 2027 DataJan 2020–Aug 2026 Filing10-Q · Jul 31

Up next

Next earnings call
Oct 16, 2026 Scheduled · in 8 wks
FQ3-26 quarter ends
~Sep 30, 2026 Est
Latest filing: 10-Q
filed Jul 31, 2026

AI Brief

TL;DR.

Bullish
    Bearish

      AI-generated from the earnings call and 8-K · may contain errors · not investment advice

      Ask ALVIS about this →

      Equibles Rating

      blended score · not investment advice
      Overall
      Buy
      SellHoldBuy
      Technical Neutral Momentum Neutral Sentiment Bullish Fundamentals Strong Quant / Vol Very Low
      Market backdrop VIX 14.9 · calm Equity put/call 0.52
      Technical
      price trend
      Neutral
      50 / 200-day cross No cross
      Price vs 200-day avg +3%
      above
      Price vs 50-day avg −1%
      below
      RSI (14) 42
      neutral
      MACD trend Negative
      52-week position 67%
      mid-range
      Momentum
      relative strength
      Neutral
      1-month return −1%
      trailing
      6-month return −1%
      trailing
      YTD return +4%
      this year
      Relative strength −13%
      vs S&P · 6-mo
      Sentiment
      smart money
      Bullish
      Trend (MA cross) No cross
      50d $51 › 200d $49 — 50d above 200d
      Institutional flow Accumulating
      +2% holders QoQ · +169 funds added
      Insider flow Distributing
      Net -$1.6M over 90 days · 100% sells
      Short interest Falling
      2.27% of float · ▼ -7.8% MoM · 3.3 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Multi-yr high
      1,687 holders — near 3-yr high, broad support
      Squeeze score 45
      elevated · 0–100
      Fundamentals
      Strong
      Revenue growth +7%
      Y/Y
      EPS growth +14%
      Y/Y
      Free cash flow $5.2B
      Valuation P/E 11.5
      below peers
      Buyback $7.7B
      remaining
      Balance sheet $49.5B
      net debt
      Quant / Vol
      risk profile
      Very Low
      Volatility 24%
      annualized · 1-yr
      Max drawdown −21%
      past year
      ATR 1.9%
      of price · 14-day

      Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.

      Guidance & track record

      Latest guidance · from the 8-K filed Jan 21, 2026
      Revenue (TE) · Full year 2026 Initiated 4% – 5%
      Noninterest expense · Full year 2026 Initiated 1.25% – 2.25%
      Tax rate (effective) · Full year 2026 Initiated 16.5%
      Tax rate (FTE) · Full year 2026 Initiated 18.5%
      Prior guidance period ended · from the 8-K filed Jan 21, 2026
      Share repurchases · 1Q26 at least $750M

      Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.

      Technicals

      trend & momentum for long-term holders Neutral
      1 · 4 · 1
      50 / 200-day cross
      No cross Neutral
      Price vs 200-day avg
      +3% Bullish
      Price vs 50-day avg
      −1% Neutral
      RSI (14)
      42 Neutral
      MACD trend
      Negative Bearish
      52-week position
      67% Neutral
      Market signals — smart money & positioning
      Bullish · 3 of 6
      Trend (MA cross) No cross
      50d $51 › 200d $49 — 50d above 200d
      Institutional flow Accumulating
      +2% holders QoQ · +169 funds added
      Insider flow Distributing
      Net -$1.6M over 90 days · 100% sells
      Short interest Falling
      2.27% of float · ▼ -7.8% MoM · 3.3 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Multi-yr high
      1,687 holders — near 3-yr high, broad support
      Price context
      position in its 52-week range
      Range low $41 Now $51 · 67% Range high $56
      vs 200-day avg +3% vs 50-day avg -1%

      Illustrative technical + ownership context — a signal mix, not investment advice.

      Key metrics

      the company's own KPIs, from written earnings releases and filings
      Metric Latest Period YoY
      ALLL as a percentage of loans and leases HFI 1.51% June 30, 2026 —
      Average consolidated LCR 113% 2Q26 —
      Average CSBB loans HFI $133B 2Q26 —
      Average Wholesale deposits 196B 2Q26 —
      Capital returned to shareholders $1.8B 2Q26 —
      Card and treasury management fees $353M 2Q26 —
      Common equity tier 1 10.9% June 30, 2026 —
      Common stock repurchases $1.2B 2Q26 —
      Leverage 9.8% June 30, 2026 —
      Liquidity coverage ratio 113% June 30, 2026 —
      Loans 30-89 days past due and still accruing $1.8B 2Q26 —
      Net charge-offs $414M 2Q26 —
      Nonperforming assets $1.7B 2Q26 —
      Nonperforming loans and leases as a percentage of loans and leases HFI 0.51% 2Q26 —
      Nonperforming loans to total loans HFI 0.51% 2Q26 —
      Operating leverage-TE non-GAAP 320 2Q26 —
      PPNR non-GAAP $2.26B 2Q26 —
      Pre-provision net revenue non-GAAP $2.26B 2Q26 —
      GAAP → non-GAAP reconciliation
      GAAP Net income 1.55B
      +395M Provision for credit losses
      +262M Provision for income taxes
      +46M Taxable-equivalent adjustment
      = Pre-provision net revenue 2.26B
      Return on average tangible common shareholders' equity non-GAAP 15.4% 2Q26 —
      ROA 1.13% 2Q26 —
      ROCE 10.4% 2Q26 —
      Supplementary leverage 8.2% June 30, 2026 —
      Tangible common equity non-GAAP $40.8B June 30, 2026 —
      TBVPS non-GAAP $33.4 2Q26 —
      Tier 1 12.2% June 30, 2026 —
      Total 14% June 30, 2026 —
      Total client assets $350B 2Q26 —
      Wealth management income $375M 2Q26 —
      Dividend and total payout ratio 47% 1Q26 —
      Efficiency ratio - adjusted non-GAAP 54.9% 4Q25 —
      Share repurchase authorization 10B fourth quarter 2025 —

      Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period

      Versus peers

      Banks - Regional — same industry group
      Open screener →
      Company Mkt cap YTD Rev growth Y/Y P/E Short % shares
      TFC
      Truist Financial Corp
      this stock
      		$61.61B +3.6% +6.6% 11.5 2.3%
      MFG
      Mizuho Financial Group Inc
      		 $123.19B +38.5% — — 0.1%
      HDB
      Hdfc Bank Ltd
      		 $118.97B -36.6% +15.2% — 0.5%
      IBN
      Icici Bank Ltd
      		 $105.45B -1.2% — — 0.5%
      USB
      US Bancorp De
      		 $100.95B +17.7% +4.4% 12.9 1.7%

      Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

      At a glance

      key data from every section
      Ownership
      Institutional Holders Accumulating
      Holders
      1,687
      % held
      77.4%
      Net QoQ
      +3.6M sh
      Top holder
      BlackRock, Inc.
      Held Float
      View
      Held by Funds
      Fund positions
      835
      View
      Short & Settlement
      Short Interest Falling
      Shares short
      27.7M
      Days to cover
      3.3d
      Change
      -2.3M sh
      View
      Short Volume
      Short vol %
      65%
      As of
      Aug 19, 2026
      Short Total
      View
      Fails to Deliver
      FTD shares
      78.7K
      Value
      $4.1M
      As of
      Jul 20, 2026
      View
      Off-Exchange
      Off-exchange %
      36.3%
      Week of
      Jul 13, 2026
      Off-exch Lit
      View
      Smart Money
      Insider Trades Net selling
      Net (90d)
      -$1.6M
      Buyers / Sellers
      0 / 3
      Buyers Sellers
      View
      Congressional Trades Sell
      Member
      Lloyd K. Smucker
      Amount
      $1.0K–$15.0K
      Traded
      Apr 17, 2026
      View
      Financials
      Financials
      EPS diluted
      $3.82
      View
      Buybacks
      Authorized
      $10.0B
      Remaining
      $7.7B
      Spent Remaining
      View
      Filings
      SEC Filings
      Latest
      10-Q
      Filed
      Jul 31, 2026
      This year
      18
      View
      Proposed Sales
      Value
      $681.3K
      Shares
      13.3K
      Filed
      Jul 30, 2026
      View
      Earnings & Events
      Earnings Calls Upcoming
      Next call
      Oct 16, 2026
      Last call
      Jul 17, 2026
      View
      Investor Relations
      Upcoming events
      2
      View

      Performance

      5D 20D 120D MTD YTD
      TFC -3.2% -1.5% -1.0% -1.7% +3.6%
      SPY -0.4% +2.9% +11.6% +3.0% +12.8%
      vs SPY -2.8% -4.4% -12.6% -4.6% -9.2%

      Capital returns

      Latest dividend
      $0.52 / share · ex Aug 14, 2026
      Raised 8.3%
      Paid (TTM)
      $2.08 / share · 4 payouts
      Dividend yield (TTM, derived)
      4.08%
      Buyback program · as of Jun 30, 2026
      Authorized
      $10.00B
      Spent (derived)
      $2.30B
      Remaining
      $7.70B
      Spent Remaining

      Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.

      Key facts CIK 92230 CUSIP 89832Q109 13F (30d) 1433 filings 1384 filers Visit website Investor relations

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