Rankings Financial data & insurance broking Truist Financial
Truist Financial
73
15070100
A view of the same findings, not a new score. How it works
A strong score: the model found few serious problems, but analysts see limited upside from here.
Biggest deductions
- Quality of growth−4
- Return on capital−4
- Capital allocation−4
Strengths
- Raised guidance+1
How the score is built
From 100 to 73, step by step: points off for the business, the price and the cracks, back for documented strengths, then three data adjustments.
Start
Score
Hover or select a step to see what drove it. Steps with findings open them below.
Key numbers
As of 2 Nov 2026. Analyst targets tend to be optimistic; read upside as a hint, not a forecast.
- Price
- 50.17 USD
- Median analyst target
- 54.00 USD
- Upside to median
- +7.6%
- Analysts
- 22
- Target range
- 45.00 – 58.00 USD
- 52-week change
- +12%
- P/E (trailing)
- 12.9
- Forward P/E
- 10.6
- PEG
- 1.09
Findings
Every deduction and every plus, with its source. Open a step to read them.
Business
Is the company getting stronger, not just bigger? · 3 findings−12 of −30
- −4Quality of growthEPS (TTM) of USD 4.35 versus 4.47 in 2021 and 4.43 in 2022: no earnings growth in five years despite buybacks. Net interest income rose only 0.9% in Q2 2026, and analysts expect just about 3% annual revenue growth.
- −4Return on capitalROE of 9.1% (8.2% in 2025) and net interest margin of only 2.98% (-4 bp in a year); ROTCE of 15.4% only looks decent because a large goodwill item from the merger is excluded. PNC and U.S. Bancorp have ROE of about 12.6%.
- −4Capital allocationThe BB&T/SunTrust merger has destroyed value: a net loss of 1.45bn USD in 2023 (goodwill impairment) and ROE of −0.07% in 2024 after losses from restructuring the bond portfolio in connection with the sale of the insurance broker Truist Insurance, the company's most capital-light fee business.
Price
Today's multiples against the company's own history and its peers. · 2 findings−2 of −35
- −1P/TBV and P/E versus own historyP/TBV 1.39 (price 46.11 / tangible book value USD 33.09) versus 1.30-2.03 in 2021-2025 and P/B 0.96 versus 0.83-1.32 in 2016-2025 (BB&T before the merger: 1.08-1.32); trailing P/E 10.6 versus 9.6-12.9 and forward 9.6 versus 8.3-12.1. The lower part of the 10-year range, and there is no rally (the share price is at 2021 levels, +4% in a year), but the discount reflects a lastingly lower return than in the BB&T era.
- −1PeersP/TBV 1.39 and forward P/E 9.6 versus PNC and U.S. Bancorp (1.95 and 10.4-10.7); the discount of about 30% on tangible equity is offset by an ROE of 9.1% versus about 12.6% and lower growth, so it is not a real discount.
Cracks
Cash flow, customers, debt, insiders, guidance and what sits behind the headline numbers. · 5 findings−9 of −35
- −2Interest rates and deposit costsGuidance for net interest income growth in 2026 was lowered in Q2 to approx. 1–1.5% (from 2–3%) due to falling lending spreads and a shift towards more expensive deposits; deposit costs rose to 1.56% (interest-bearing 2.10%). Falling rates put further pressure on the margin.
- −2Credit quality and commercial real estateNon-performing assets rose to USD 1.75bn from 1.32bn in a year (+33%), and the allowance coverage of non-performing loans fell to 2.9x from 3.1x. Commercial real estate loans (USD 24.4bn, about 7% of lending) have falling losses and only USD 43m in nonaccrual, but the office share is not disclosed.
- −2Capital and unrealised losses (AOCI)AOCI fell by 947m USD in H1 2026 and represents an unrealised loss of approx. 6bn USD (approx. 15% of tangible equity). CET1 of 10.9% must come down towards approx. 10% by end-2027 to fund buybacks of approx. 5bn USD in 2026; the buffer is thinning.
- −2Management changeNew CEO Mike Lyons from 1 Sep 2026 (formerly CEO of Fiserv and president of PNC); Bill Rogers becomes chairman until April 2027. The strategy may be reshaped, and Q3 is the first report under new management.
- −1
Plus
Only documented strengths. · 1 finding+1 of +15
- +1Raised guidanceThe 2026 ROTCE target was raised to above 14% after Q2 (ROTCE 15.4% versus 12.3% a year earlier); net income to shareholders +29% y/y in Q2. Net interest income guidance was lowered at the same time (see T3), so only 1 point.
Caveats
What the score does not capture, or where the data is weak.
Re-scored more strictly 11 Oct 2026 (P/TBV against own history). Q3 report Friday 16 Oct 2026 before the open; the score predates the report. Bank: EV, ROIC and FCF are not meaningful; valuation on P/TBV and P/E, and distributions are measured against net income. P/TBV history only for 2021–2025 (stockanalysis); the 10-year history (2016–2025, incl. BB&T before the 2019 merger) is P/B from companiesmarketcap. The office share of commercial real estate loans and the exact unrealised loss on bonds as of 30 Jun were not found. New CEO (Mike Lyons) from 1 Sep 2026; first report under him.
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