TFC · Truist Financial Corp
$50.67
+0.37 (+0.74%)
At close · Aug 26
Market Cap
$61.90B
Shares
1.22B
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$50.67
Open$50.39
Day$50.20–50.86
52W close$41.09–55.81
Avg vol 30d6.9M
Short int24.8M · 2.0% float · 3.9d
Short vol49%
Last earningsJan 20, 2027
DataJan 2020–Aug 2026
Filing10-Q · Jul 31
Up next
Next earnings call
Oct 16, 2026
Scheduled
· in 7 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Jul 31, 2026
AI Brief
TL;DR.
Bullish
Bearish
From the call
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 adviceOverall
Buy
SellHoldBuy
Technical
Neutral
Momentum
Neutral
Sentiment
Bullish
Fundamentals
Strong
Quant / Vol
Very Low
Market backdrop
VIX 15.2 · calm
Equity put/call 0.64
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+2%
above
Price vs 50-day avg
−1%
below
RSI (14)
43
neutral
MACD trend
Negative
52-week position
65%
mid-range
Momentum
relative strength
1-month return
−3%
trailing
6-month return
+5%
trailing
YTD return
+3%
this year
Relative strength
−8%
vs S&P · 6-mo
Sentiment
smart money
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
2.03% of float · ▼ -10.4% MoM · 3.9 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
1,690 holders — near 3-yr high, broad support
Squeeze score
51
elevated · 0–100
Fundamentals
Revenue growth
+7%
Y/Y
EPS growth
+14%
Y/Y
Free cash flow
$5.2B
Valuation
P/E 11.6
below peers
Buyback
$7.7B
remaining
Balance sheet
$49.5B
net debt
Quant / Vol
risk profile
Volatility
24%
annualized · 1-yr
Max drawdown
−21%
past year
ATR
1.8%
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 Jul 17, 2026
Share repurchases
· Full year 2026
Initiated
$5B
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
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+2%
Bullish
Price vs 50-day avg
−1%
Neutral
RSI (14)
43
Neutral
MACD trend
Negative
Bearish
52-week position
65%
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
2.03% of float · ▼ -10.4% MoM · 3.9 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
1,690 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $41
Now $51 · 65%
Range high $56
vs 200-day avg +2%
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 ratio | 1.51% | 2Q26 | — |
|
|
|||
| Average assets | $550B | 2Q26 | — |
| Average consolidated LCR | 113% | 2Q26 | — |
|
|
|||
| Average CSBB loans HFI | $133B | 2Q26 | — |
| Average deposits | $405B | 2Q26 | — |
| Average loans and leases | $332B | 2Q26 | — |
| Average loans and leases HFI | $329.2B | 2Q26 | — |
|
|
|||
| Average loans HFI | $329B | 2Q26 | — |
|
|
|||
| Average securities | $118B | 2Q26 | — |
| Average total earning assets | $492.46B | 2Q26 | — |
| Average total interest-bearing liabilities | $370.78B | 2Q26 | — |
| Average Wholesale deposits | 196B | 2Q26 | — |
| Capital returned to shareholders | $1.8B | 2Q26 | — |
| Card and treasury management fees | $353M | 2Q26 | — |
| CET1 ratio | 10.9% | 2Q26 | — |
|
|
|||
| Common stock repurchases | $1.2B | 2Q26 | — |
| Dividend payout ratio | 42% | 2Q26 | — |
|
|
|||
| Efficiency ratio | 58% | 2Q26 | — |
| End of period deposits | $409.4B | 2Q26 | — |
|
|
|||
| End of period loans and leases HFI | $329.8B | 2Q26 | — |
|
|
|||
| Leverage | 9.8% | June 30, 2026 | — |
| Loans 30-89 days past due and still accruing | $1.8B | 2Q26 | — |
| NCO ratio | 0.5% | 2Q26 | — |
|
|
|||
| Net charge-offs | $414M | 2Q26 | — |
| NIM - TE non-GAAP | 2.98% | 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 reconciliationGAAP Net income 1.55B
+395M Provision for credit losses
+262M Provision for income taxes
+46M Taxable-equivalent adjustment
= Pre-provision net revenue 2.26B
|
|||
| Repurchased common shares | $1.2B | 2Q26 | — |
|
|
|||
| ROA | 1.13% | 2Q26 | — |
| ROCE | 10.4% | 2Q26 | — |
| ROTCE non-GAAP | 15.4% | 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 | — |
|
|
|||
| Total payout ratio | 121% | 2Q26 | — |
|
|
|||
| Wealth management income | $375M | 2Q26 | — |
| Digital sales as a % of total | 36% | 1Q26 | — |
| Digital transactions as a % of total | 71% | 1Q26 | — |
| NDFI total loans | $39B | 1Q26 | — |
| Share repurchases | $1.1B | 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| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
TFC
this stock
Truist Financial Corp
|
$61.90B | +3.0% | +6.6% | 11.6 | 2.0% |
|
MFG
Mizuho Financial Group Inc
|
$126.71B | +42.8% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$121.39B | -36.6% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$105.45B | +1.2% | — | — | 0.7% |
|
PNC
Pnc Financial Services Group, Inc.
|
$97.61B | +17.2% | +7.2% | 13.5 | 1.5% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| TFC | -0.6% | -3.1% | +4.5% | -2.3% | +3.0% |
| SPY | -0.4% | +5.0% | +12.4% | +2.6% | +12.3% |
| vs SPY | -0.2% | -8.2% | -7.9% | -4.8% | -9.4% |
Capital returns
Latest dividend
$0.52
/ share · ex Aug 14, 2026
Paid (TTM)
$2.08
/ share · 4 payouts
Dividend yield (TTM, derived)
4.10%
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)
1182 filings
1161 filers
Visit website
Investor relations