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Truist Financial Corporation TFC | NYSE

$46.15 -$0.15 | -0.32%

SIGNAL:

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|2026-08-20 |F&G 22 |RSI 30.1

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Company Overview:

Market Cap: $56.56B

Trailing PE: 10.9x

FWD PE *: 9.8x

Payout Ratio (TTM): 49.7%

52-Week Range: $40.78 - $56.20

* Forward PE is based on street estimates.

10 Year TFC Performance Metrics:

Total Return (with DRIP): 79.9% (6.05% CAGR)

Total Return (no DRIP): 68.6% (5.36% CAGR)

Share Price: 22.3% (2.04% CAGR)

Yield on Cost (with DRIP): 8.11%

Total Invested: $10,000

Total Value (with DRIP): $17,987

Total Return $ (with DRIP): $7,987

Dividend Increase: 73.3% (5.80% CAGR)

Dividend Yield (FWD): 4.51% ($2.08)

TFC 10-yr Total Return ($10K invested)

1M 3M 6M YTD 1Y 3Y 5Y 10Y

TFC Share Price

1M 3M 6M YTD 1Y 3Y 5Y 10Y All

TFC Price CAGR:1Y: 1.27%2Y: 5.18%5Y: -5.18%10Y: 2.04%

TFC Dividend Charts

TFC - Dividends

TFC Dividend CAGR:1Y: 0.00%2Y: 0.00%5Y: 1.61%10Y: 5.65%

TFC - Dividend Payout Ratio

TFC Dividend Payout Ratio CAGR:1Y: -26.72%2Y: -29.01%5Y: 0.83%10Y: -0.73%

TFC - Dividend to Free Cash Flow Ratio

TFC Dividend to FCF Ratio CAGR:1Y: -19.26%2Y: -16.04%5Y: 25.10%10Y: 0.00%

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TFC Fundamentals: Earnings, Revenue, Cash Flow, Ebitda, Cash/Debt, Shares Float, etc:

TFC - Revenue

TFC Revenue CAGR:1Y: 0.75%2Y: 158.50%5Y: 4.58%10Y: 11.19%

TFC - Earnings Per Share (EPS)

TFC EPS CAGR:1Y: 36.67%2Y: 40.85%5Y: 1.18%10Y: 6.42%

TFC - Net Income

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TFC Net Income CAGR:1Y: 25.24%2Y: 31.14%5Y: -1.29%10Y: 10.27%

TFC - EBITDA

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TFC EBITDA CAGR:1Y: 5.22%2Y: 0.00%5Y: 0.00%10Y: 0.00%

TFC - Free Cash Flow

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TFC Free Cash Flow CAGR:1Y: 13.68%2Y: 10.89%5Y: -20.44%10Y: 0.00%

TFC - Free Cash Flow / Share

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TFC Free Cash Flow / Share CAGR:1Y: 19.93%2Y: 15.90%5Y: -18.95%10Y: 0.00%

TFC - Operating Income

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TFC Operating Income CAGR:1Y: 19.96%2Y: 0.00%5Y: -6.52%10Y: 6.09%

TFC - Gross Profit

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TFC Gross Profit CAGR:1Y: 8.25%2Y: 0.00%5Y: -4.35%10Y: 6.33%

TFC - Shares Outstanding

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TFC Shares Outstanding CAGR:1Y: -5.05%2Y: -3.77%5Y: -1.69%10Y: 4.17%

TFC - Share Buybacks

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TFC Share Buybacks CAGR:1Y: 60.00%2Y: 0.00%5Y: 2.22%10Y: 0.00%

TFC - Stock-Based Comp

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TFC Stock-Based Comp CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

TFC - Expenses

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TFC Expenses CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

TFC - Revenue vs Net Income

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TFC - EPS vs FCF / Share

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TFC - EPS vs PE Ratio

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TFC - FCF vs FCF / Share

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TFC - FCF vs Stock Based Comp

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TFC - Cash & Debt

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TFC - Revenue by Segment

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TFC Revenue CAGR:1Y: 0.75%2Y: 158.50%5Y: 4.58%10Y: 11.19%

Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:

TFC - REVENUE: Actual + Estimates

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TFC Actual Revenue CAGR:1Y: 0.75%2Y: 158.50%5Y: 4.58%10Y: 11.19%

TFC - EPS: Actual + Estimates

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TFC Actual EPS CAGR:1Y: 36.67%2Y: 40.85%5Y: 1.18%10Y: 6.42%

TFC - NET INCOME: Actual + Estimates

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TFC Actual Net Income CAGR:1Y: 25.24%2Y: 31.14%5Y: -1.29%10Y: 10.27%

TFC - EBITDA: Actual + Estimates

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TFC Actual EBITDA CAGR:1Y: 5.22%2Y: 0.00%5Y: 0.00%10Y: 0.00%

Ratios, Profit Margins & Return on Capital:

TFC - Net Profit Margin

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TFC Net Profit Margin CAGR:1Y: 24.24%2Y: -49.27%5Y: -5.62%10Y: -0.82%

TFC - Gross Profit Margin

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TFC Gross Profit Margin CAGR:1Y: 7.44%2Y: 0.00%5Y: -8.54%10Y: -4.37%

TFC - Price to Earnings

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TFC Price to Earnings CAGR:1Y: -14.95%2Y: -16.89%5Y: -2.25%10Y: -2.16%

TFC - Price To Sales Ratio

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TFC Price To Sales Ratio CAGR:1Y: 9.02%2Y: -58.30%5Y: -8.14%10Y: -3.18%

TFC - Return on Capital Employed

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TFC Return on Capital Employed CAGR:1Y: -72.55%2Y: 0.00%5Y: -6.90%10Y: -3.12%

TFC - Return on Invested Capital

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TFC Return on Invested Capital CAGR:1Y: -68.98%2Y: 0.00%5Y: -31.24%10Y: -14.02%

TFC Dividends Info:

Annual Dividend: $2.08

Forward Yield: 4.51%

Ex-Dividend Date: 2026-08-14

Lifetime Dividends / Share: $42.38

TFC Dividend History: Dates, Payments & Yield list

Below is a schedule of all TFC dividend payments, ex-dates, share price on the day of the payment as well as the annualized yield & forward yield

Ex-Date	Payment Date	Amount	Yield	Forward Yield	Price on Ex-Date
08/14/2026	08/17/2026	$0.520	3.92%	3.96%	$52.53
05/08/2026	05/11/2026	$0.520	4.24%	4.34%	$47.97
02/13/2026	02/16/2026	$0.520	4.01%	4.2%	$49.55
11/14/2025	11/17/2025	$0.520	4.64%	4.74%	$43.92
08/08/2025	08/11/2025	$0.520	4.83%	4.86%	$42.83
05/09/2025	05/12/2025	$0.520	5.33%	5.06%	$41.12
02/14/2025	02/17/2025	$0.520	4.44%	4.58%	$45.43
11/08/2024	11/11/2024	$0.520	4.6%	4.48%	$46.44
08/09/2024	08/12/2024	$0.520	5%	5.05%	$41.22
05/09/2024	05/13/2024	$0.520	5.32%	5.31%	$39.18
02/08/2024	02/12/2024	$0.520	5.86%	5.78%	$36.01
11/09/2023	11/13/2023	$0.520	7.14%	7.09%	$29.35
08/10/2023	08/14/2023	$0.520	6.61%	6.8%	$30.57
05/11/2023	05/15/2023	$0.520	7.75%	7.46%	$27.87
02/09/2023	02/13/2023	$0.520	4.34%	4.24%	$49.10
11/09/2022	12/01/2022	$0.520	4.87%	4.5%	$46.22
08/11/2022	09/01/2022	$0.520	4.08%	4.44%	$46.87
05/12/2022	06/01/2022	$0.480	4.13%	3.92%	$48.92
02/10/2022	03/01/2022	$0.480	2.97%	3.3%	$58.15
11/10/2021	12/01/2021	$0.480	3.01%	3.29%	$58.35
08/12/2021	09/01/2021	$0.480	3.28%	3.42%	$56.22
05/13/2021	06/01/2021	$0.450	2.97%	2.93%	$61.50
02/11/2021	03/01/2021	$0.450	3.41%	3.06%	$58.81
11/12/2020	12/01/2020	$0.450	3.89%	3.79%	$47.52
08/13/2020	09/01/2020	$0.450	4.64%	4.6%	$39.17
05/14/2020	06/01/2020	$0.450	5.61%	4.73%	$38.06
02/13/2020	03/02/2020	$0.450	3.28%	3.69%	$48.81
11/07/2019	12/02/2019	$0.450	3.29%	3.31%	$54.41
08/13/2019	09/03/2019	$0.450	3.85%	3.85%	$46.70
05/14/2019	06/03/2019	$0.405	3.37%	3.44%	$47.07
02/12/2019	03/01/2019	$0.405	3.19%	3.13%	$51.80
11/08/2018	12/03/2018	$0.405	3.23%	3.19%	$50.73
08/09/2018	09/04/2018	$0.405	3.16%	3.11%	$52.14
05/10/2018	06/01/2018	$0.375	2.73%	2.82%	$53.20
03/05/2018	03/20/2018	$0.045	0.33%	0.33%	$54.65
02/08/2018	03/01/2018	$0.330	2.58%	2.45%	$53.89
11/09/2017	12/01/2017	$0.330	2.82%	2.66%	$49.60
08/09/2017	09/01/2017	$0.330	2.77%	2.85%	$46.29
05/10/2017	06/01/2017	$0.300	2.77%	2.83%	$42.42
02/08/2017	03/01/2017	$0.300	2.62%	2.41%	$49.70
11/08/2016	12/01/2016	$0.300	3.09%	2.62%	$45.84
08/10/2016	09/01/2016	$0.300	3.23%	3.13%	$38.32
05/11/2016	06/01/2016	$0.280	3.3%	3.05%	$36.67
02/10/2016	03/01/2016	$0.270	3.45%	3.23%	$33.45
11/10/2015	12/01/2015	$0.270	2.82%	2.77%	$38.97
08/12/2015	09/01/2015	$0.270	2.75%	3.06%	$35.33
05/13/2015	06/01/2015	$0.270	2.76%	2.76%	$39.17
02/11/2015	03/02/2015	$0.240	2.57%	2.5%	$38.40
11/05/2014	12/01/2014	$0.240	2.53%	2.59%	$37.05
08/06/2014	09/02/2014	$0.240	2.65%	2.56%	$37.53
05/14/2014	06/02/2014	$0.240	2.58%	2.52%	$38.08
02/12/2014	03/03/2014	$0.230	2.47%	2.46%	$37.39
11/06/2013	12/02/2013	$0.230	2.74%	2.65%	$34.70
08/07/2013	09/03/2013	$0.230	2.59%	2.72%	$33.81
05/08/2013	06/03/2013	$0.230	2.92%	2.78%	$33.09
02/06/2013	03/01/2013	$0.230	2.98%	3%	$30.66
01/02/2013	02/01/2013	$0.200	2.66%	2.57%	$31.12
10/03/2012	11/01/2012	$0.200	2.41%	2.73%	$29.31
07/03/2012	08/01/2012	$0.200	2.57%	2.56%	$31.31
04/04/2012	05/01/2012	$0.200	2.55%	2.47%	$32.38
01/04/2012	02/01/2012	$0.160	2.47%	2.29%	$27.95
10/12/2011	11/01/2011	$0.160	2.81%	2.85%	$22.48
07/06/2011	08/01/2011	$0.160	2.39%	2.5%	$25.61
04/06/2011	05/02/2011	$0.170	2.48%	2.56%	$26.59
01/05/2011	02/01/2011	$0.150	2.18%	2.11%	$28.50
10/13/2010	11/01/2010	$0.150	2.57%	2.64%	$22.74
07/07/2010	08/02/2010	$0.150	2.19%	2.37%	$25.35
04/07/2010	05/03/2010	$0.150	1.81%	1.76%	$34.17
01/06/2010	02/01/2010	$0.150	2.26%	2.13%	$28.22
10/14/2009	11/02/2009	$0.150	2.1%	2.39%	$25.06
07/08/2009	08/03/2009	$0.150	2.93%	2.62%	$22.91
04/07/2009	05/01/2009	$0.470	11.12%	8.25%	$22.79
01/07/2009	02/02/2009	$0.470	8.07%	9.73%	$19.32
10/15/2008	11/03/2008	$0.470	5.85%	5.3%	$35.50
07/09/2008	08/01/2008	$0.470	8.55%	6.47%	$29.04
04/10/2008	05/01/2008	$0.460	5.66%	5%	$36.79
01/09/2008	02/01/2008	$0.460	6.75%	5%	$36.80
10/10/2007	11/01/2007	$0.460	4.45%	5.24%	$35.10
07/11/2007	08/01/2007	$0.460	4.6%	4.78%	$38.52
04/11/2007	05/01/2007	$0.420	4.22%	4%	$42.03
01/10/2007	02/01/2007	$0.420	3.94%	3.94%	$42.63
10/11/2006	11/01/2006	$0.420	3.81%	3.87%	$43.38
07/12/2006	08/01/2006	$0.420	4.16%	3.97%	$42.29
04/11/2006	05/01/2006	$0.380	3.84%	3.56%	$42.65
01/11/2006	02/01/2006	$0.380	3.62%	3.89%	$39.03
10/12/2005	11/01/2005	$0.380	4.02%	3.57%	$42.59
07/13/2005	08/01/2005	$0.380	3.62%	3.6%	$42.25
04/13/2005	05/02/2005	$0.350	3.69%	3.54%	$39.59
01/12/2005	02/01/2005	$0.350	3.44%	3.5%	$40.02
10/13/2004	11/01/2004	$0.350	3.55%	3.37%	$41.57
07/14/2004	08/02/2004	$0.350	3.78%	3.56%	$39.35
04/14/2004	05/03/2004	$0.320	3.79%	3.66%	$34.96
01/14/2004	02/02/2004	$0.320	3.51%	3.41%	$37.56
10/15/2003	11/03/2003	$0.320	3.47%	3.26%	$39.25
07/09/2003	08/01/2003	$0.320	3.69%	3.68%	$34.74
04/09/2003	05/01/2003	$0.290	3.65%	3.53%	$32.85
01/15/2003	02/03/2003	$0.290	3.11%	3.43%	$33.78
10/09/2002	11/01/2002	$0.290	3.68%	3.12%	$37.19
07/10/2002	08/01/2002	$0.290	3.18%	3.15%	$36.80
04/10/2002	05/01/2002	$0.260	2.74%	2.69%	$38.61
01/16/2002	02/04/2002	$0.260	2.99%	3.01%	$34.52
10/10/2001	11/01/2001	$0.260	3.13%	3.18%	$32.75
07/11/2001	08/01/2001	$0.260	2.95%	2.8%	$37.15
04/10/2001	05/01/2001	$0.230	2.63%	2.58%	$35.68
01/10/2001	02/01/2001	$0.230	2.49%	2.52%	$36.52
10/11/2000	11/01/2000	$0.230	3.31%	2.92%	$31.50
07/12/2000	08/01/2000	$0.230	3.42%	3.68%	$25.00
04/12/2000	05/01/2000	$0.200	2.79%	2.97%	$26.94
01/12/2000	02/01/2000	$0.200	3.08%	2.81%	$28.50
10/13/1999	11/01/1999	$0.200	2.5%	2.21%	$36.25
07/14/1999	08/02/1999	$0.200	2.28%	2.24%	$35.69
04/14/1999	05/03/1999	$0.175	1.82%	1.74%	$40.25
01/13/1999	02/01/1999	$0.175	1.82%	1.87%	$37.44
10/14/1998	11/02/1998	$0.175	2.35%	1.93%	$36.19
07/08/1998	08/03/1998	$0.175	2%	1.98%	$35.31
04/15/1998	05/01/1998	$0.155	1.84%	1.84%	$33.66
01/14/1998	02/02/1998	$0.155	2.06%	2.06%	$30.13
10/15/1997	11/03/1997	$0.155	2.18%	2.26%	$27.38
07/16/1997	08/01/1997	$0.155	2.49%	2.43%	$25.50
04/16/1997	05/01/1997	$0.135	2.98%	2.73%	$19.75
01/08/1997	02/03/1997	$0.135	3.05%	2.81%	$19.25
10/09/1996	11/01/1996	$0.135	3.15%	3.06%	$17.63
07/10/1996	08/01/1996	$0.135	3.71%	3.59%	$15.06
04/10/1996	05/01/1996	$0.115	3.49%	3.33%	$13.81
01/10/1996	02/01/1996	$0.115	3.55%	3.16%	$14.56
10/11/1995	11/01/1995	$0.115	3.52%	3.57%	$12.88
07/12/1995	08/01/1995	$0.115	3.77%	3.83%	$12.00
04/10/1995	05/01/1995	$0.100	4%	3.93%	$10.19
01/09/1995	02/01/1995	$0.100	4.18%	3.93%	$10.19
10/07/1994	11/01/1994	$0.100	4.02%	3.88%	$10.31
07/11/1994	08/01/1994	$0.100	3.95%	3.7%	$10.81
04/11/1994	05/02/1994	$0.085	3.44%	3.53%	$9.63
01/10/1994	02/01/1994	$0.085	3.32%	3.49%	$9.75
10/08/1993	11/01/1993	$0.085	3.18%	3.28%	$10.38
07/12/1993	08/02/1993	$0.085	2.99%	3.2%	$10.63
04/12/1993	05/03/1993	$0.075	2.67%	2.94%	$10.19
01/11/1993	02/01/1993	$0.075	2.91%	2.98%	$10.06
10/09/1992	11/02/1992	$0.065	3.08%	3.01%	$8.63
07/10/1992	08/03/1992	$0.065	2.99%	3.01%	$8.63
04/10/1992	05/01/1992	$0.060	3.25%	3.12%	$7.69
01/10/1992	02/03/1992	$0.060	3.46%	3.46%	$6.94
10/09/1991	11/01/1991	$0.060	3.62%	3.52%	$6.81
07/10/1990	08/01/1990	$0.055	3.67%	3.79%	$5.81
01/11/1990	02/01/1990	$0.050	3.08%	3.08%	$6.50
10/10/1989	11/01/1989	$0.050	2.71%	2.96%	$6.75
07/10/1989	08/01/1989	$0.050	2.76%	2.76%	$7.25
04/10/1989	05/01/1989	$0.047	2.6%	2.57%	$7.25
01/09/1989	02/01/1989	$0.047	2.95%	2.91%	$6.42
10/07/1988	10/12/1988	$0.047	3.22%	3.15%	$5.92
07/11/1988	08/01/1988	$0.047	3.35%	3.39%	$5.50
04/11/1988	05/02/1988	$0.043	2.89%	2.93%	$5.92
01/11/1988	02/01/1988	$0.043	3.15%	3.01%	$5.75
10/09/1987	11/02/1987	$0.043	2.6%	3.2%	$5.42
07/10/1987	08/03/1987	$0.043	2.57%	2.63%	$6.58
04/10/1987	05/01/1987	$0.042	2.67%	2.74%	$6.17
01/13/1987	02/02/1987	$0.176	12.77%	13.03%	$5.39

Projected Future Returns & Dividends for TFC

Based on past 10-year performance, here are TFC growth metrics:

Share price CAGR of +2.04%
Dividend CAGR of +5.68%

Using TFC CAGR metrics, we can estimate that your initial $10000 investment, over the next 10 years, should grow as follows:

	TFC (DRIP)	TFC - No DRIP
Current Price	$46.15	$46.15
Start Shares	216.68	216.68
Start Value	$10,000	$10,000

After 10 years:
Final Share Count	367.00	216.68
Dividends Payment	$0.90	$0.90
Annual Dividends	$1,326	$783
Yield on cost	13.26%	7.83%
Share Price	$56.46	$56.46
Total Dividends	$7,719	$5,852
Final Value	$20,722	$18,087

Estimated Future Value + Dividends - TFC

NOTE: Above numbers are our estimate based on TFC's Dividend and Price CAGR over past 10 years. These numbers should only be considered as "potential future returns"! DRIP assumes reinvesting dividends; No-DRIP assumes collecting dividends as cash.

We cannot guarantee that your actual returns will meet these estimates.

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Company Info

Truist Financial Corporation (TFC) had its IPO on 1980-03-18, and is traded on NYSE stock exchange.

Truist Financial Corporation operates as a diversified financial holding company, providing an extensive array of banking and trust services throughout the Southeastern and Mid-Atlantic regions of the United States. Its business activities are structured across three main segments: Consumer Banking and Wealth, Corporate and Commercial Banking, and Insurance Holdings. The corporation offers a broad spectrum of deposit products, including both interest-bearing and noninterest-bearing checking accounts, savings accounts, money market deposit accounts, certificates of deposit (CDs), and individual retirement accounts (IRAs). Beyond deposit services, Truist delivers a comprehensive suite of financial solutions. These include various lending options such as automobile, bankcard, consumer, home equity, mortgage, small business, and student loans, alongside specialized commercial financing for areas like floor plan, real estate, and mortgage warehousing, as well as lease and supply chain financing. The company also provides extensive wealth management and investment services, encompassing asset management, investment brokerage, private banking, capital markets, institutional trust, and private equity investment solutions. Further offerings include corporate and investment banking, securities underwriting, and advisory services. Additionally, Truist offers a wide range of insurance products, covering property and casualty, life, health, employee benefits, workers' compensation, professional liability, surety, and title insurance. Digital banking platforms (mobile and online), payment processing, international banking, merchant services, and treasury management are also integral parts of its service portfolio. Headquartered in Charlotte, North Carolina, Truist Financial Corporation was founded in 1872. As of December 31, 2021, the company maintained a substantial presence with 2,517 banking offices. The organization officially adopted its current name, Truist Financial Corporation, in December 2019, having previously operated as BB&T Corporation.

TFC website: https://www.truist.com

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DCF Model — TFC

Value from:

EPS (TTM)icompany profit per share over the last 12 months

EPS Growth %ihow fast profit per share grows each of the next 5 years — prefilled with what analysts expect

EPS growth after year 5 (forever)ithe slower pace once the fast 5 years are over — only drives years 6-10 of the price path below

Exit multiple (PE in 5 yrs)iwhat buyers pay per $1 of profit in 2031 — prefilled with today’s forward PE

Desired return %/yrithe yearly return you want from buying today — the S&P has done ~14%/yr, ask for more from a single stock

FCF growth %/yr (next 5 yrs)ihow fast free cash flow grows while the company is still expanding fast

Years of fast FCF growthihow many years the fast growth lasts before the business settles down

FCF growth after year 5 (forever)ithe slow, steady pace once the company is mature — usually 2-3%, near inflation. Must stay below your target return

Risk-free rate %iwhat a 10-yr US treasury pays with zero risk — the floor any risky stock must beat

Your target return %/yrithe yearly return you want for taking this risk — rule of thumb: risk-free rate + extra for risk

FCF base ($M, TTM)ilast 12 months of free cash flow, added up from reported quarters

Include dividends in returnidividends hand you part of the return in cash, so the share price needs to climb less

Pay up to today

—

vs current price $46.15

—

Cash flow & implied price by year

FCF is negative or missing for this company (common for banks) — the model discounts EPS instead.

EPS is negative or missing for this company — Simple mode uses free cash flow per share instead.

Free cash flow today

—

grows for the next years

Then mature

—

every future dollar counted back to today

Pile of today-dollars

—

÷ shares

Implied price path

Year	FCF	Implied price

Sensitivity — fair value: growth ↓ × target return →

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