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Verdict
Quantitative factor alignment verified for current market regime.
Quant Score
Rank
#2297
Positioning
Market Dominance
Finance, Insurance, And Real Estate
Banking
$59.0B
William H. Rogers
Truist Financial Corporation provides banking and trust services in the Southeastern and Mid-Atlantic United States. The company operates through three segments: Consumer Banking and Wealth, Corporate and Commercial Banking, and Insurance Holdings. As of December 31, 2021, the company operated through 2,517 banking offices.
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Dates updated upon official exchange announcement.
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X-AXIS: EV/EBITDA (LOWER = CHEAPER) | Y-AXIS: ROE (HIGHER = ELITE) | RED CIRCLE = TFC ANALYSIS TARGET
| Stock | Rating | Score▼ | Quality | Value | Momentum | P/E | EV/EBITDA | ROE | ROA | Gross Mgn | Op Mgn | Net Mgn | Rev Growth | Div Yield | D/E | Mkt Cap | AUDIT |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
$SII SPROTT INC. | 75 | 91 | 87 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PUK PRUDENTIAL PLC | 73 | 88 | 97 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$NMR NOMURA HOLDINGS INC | 72 | 81 | 92 | 87 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PSLV Sprott Physical Silver Trust | 69 | 82 | 80 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$UFCS UNITED FIRE GROUP INC | 68 | 81 | 93 | 76 | 5.0x | 3.5x | 13.2% | 4.1% | 99.9% | 14.7% | 11.1% | 9.2% | 2.1% | 16.0x | $775M | VS | |
$SLF SUN LIFE FINANCIAL INC | 68 | 83 | 95 | 63 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$CBOE Cboe Global Markets, Inc. | 68 | 75 | 63 | 77 | 21.3x | 15.7x | 24.0% | 13.7% | 41.7% | 32.4% | 26.4% | 8.2% | 1.1% | 30.0x | $25.7B | VS | |
$VTMX Vesta Real Estate Corporation, S.A.B. de C.V. | 67 | 69 | 77 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PHYS Sprott Physical Gold Trust | 67 | 64 | 82 | 91 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$GLDM World Gold Trust | 66 | 54 | 85 | 92 | 11.3x | 11.3x | - | 20.9% | 100.0% | 97.1% | 554.8% | -19.0% | 0.0% | - | $32.0B | VS | |
$TFC TRUIST FINANCIAL CORP | 48 | 28 | 37 | 63 | 12.2x | 16.6x | 8.2% | 1.0% | 0.0% | 26.2% | 21.8% | -1.0% | 4.5% | 64.0x | $59.0B | ||
| SECTOR BENCH | - | - | - | - | - | 11.9x | 7.8x | 9.0% | 1.3% | 77.7% | 18.1% | 21.9% | 10.7% | 2.0% | 0.5x | - | REF |
TRUIST FINANCIAL CORP (TFC) receives a "Reduce" rating with a composite score of 48.2/100. It ranks #2297 out of 7,333 stocks in our coverage universe and carries a 2-star rating. Ratings are driven by a 6-factor quantitative model measuring quality, value, momentum, investment, stability, and short interest.
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Outperforming peers — winners tend to keep winning over 3-12 months
Fair valuation relative to peers
Weak fundamentals — higher risk of value trap
Average volatility — neutral timing signal
Moderate investment profile
Mid-range overall rating
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Relative valuation derived from Finance, Insurance, And Real Estate sector benchmarks. Model weights: EV/EBITDA (40%), P/B (35%), P/S (25%). Re-calculated daily.
Projection based on user-defined inputs. Re-calculated daily against current market data.
Reverse DCF Framework — Mauboussin Methodology
Institutional-grade Reverse DCF analysis. This model identifies the growth hurdles embedded in current market prices. When implied growth is significantly lower than historical or projected rates, a margin of safety may exist. Re-audited daily.
No analyst ratings for TFC.
View All Ratings| Factor | Global | Sector | Tilt |
|---|---|---|---|
| PROFITABILITY | 28 | 20 | +8ALPHA |
| MOMENTUM | 63 | 69 | -6DRAG |
| VALUATION | 37 | 37 | 0NEUTRAL |
| INVESTMENT | 42 | 80 | -38DRAG |
| STABILITY | 55 | 58 | -3NEUTRAL |
| SHORT INT | 50 | 55 | -5NEUTRAL |
Global = full universe. Sector = relative to industry peers. Positive tilt indicates idiosyncratic strength.
ROIC 3.7% vs WACC 7.9% (spread -4.3%)
GM 0% vs sector 78%, OM 26% vs sector 18%
Capital turnover 0.17x
Rev growth -1%, 10yr history
Interest coverage 0.7x, Net debt/EBITDA 21.5x
Composite assessment of profitability, capital efficiency, and financial strength. Top-tier entities demonstrate sustainable cash flow generation and elite competitive moats.
Profit generated per dollar of shareholder equity
Efficiency of asset utilization
Pricing power and cost efficiency
Core business profitability
Bottom-line profitability
The Quality factor evaluates the persistence and magnitude of realized cash flows. Companies with scores >70 exhibit superior pricing power and structural financial resilience through diverse economic regimes.
Our uncertainty rating tracks the predictability of future cash flows and potential for permanent capital loss. Moderate visibility with standard industry cyclicality.
We rate TRUIST FINANCIAL CORP (TFC) as a Reduce with a composite score of 48.2/100 at a current price of $49.87. The quantitative profile shows weakness across multiple dimensions, suggesting limited upside potential.
TRUIST FINANCIAL CORP holds a top-quartile position (#0 of 50) within the Finance, Insurance, And Real Estate sector, based on our composite quantitative scoring across quality, value, momentum, and stability factors. The composite score of 48.2/100 places it at rank #2297 in our full universe.
The near-term outlook is constructive, with revenue growing at -1% and momentum in the 63th percentile confirming positive market sentiment. The combination of strong top-line growth and favorable price dynamics suggests the company is executing well on its growth strategy.
No Moat
Medium
Standard
Fair Value
Stable competitive position in a defensive sector.
Below-average quality raises earnings sustainability concerns.
Vulnerability to macroeconomic shocks and interest rate volatility.
TRUIST FINANCIAL CORP represents a reduce based on multi-factor quantitative performance.
TRUIST FINANCIAL CORP receives a Reduce rating from our analysis, with a composite score of 48.2/100 and 2 out of 5 stars, ranking #2297 out of 7,333 stocks. TFC's factor profile shows weakness across multiple dimensions, suggesting the stock may underperform going forward. Existing holders may want to consider trimming positions or tightening stop-losses.
TFC's quality score of 28/100 is below average, suggesting challenges with profitability or capital efficiency. The company reports a return on equity of 8.2% (sector avg: 9.0%), gross margins of 0.0% (sector avg: 77.7%), net margins of 21.8% (sector avg: 21.9%). Investors should examine whether management is actively addressing these weaknesses or if they reflect structural industry headwinds.
With a value score of 37/100, TFC appears somewhat expensive relative to its fundamentals. Key valuation metrics include a P/E ratio of 12.24x, an EV/EBITDA of 16.59x, a P/B ratio of 1.01x. Investors paying a premium here are likely betting on above-average growth or margin expansion to justify current prices.
With an investment score of 42/100, TFC exhibits moderate growth-oriented spending. Key growth metrics include revenue growth of -1.0% vs. a sector average of 10.7% and a return on assets of 1.0% (sector: 1.3%). The company appears to be balancing growth investments with capital returns, though the pace of investment may not be enough to accelerate top-line growth meaningfully.
TFC demonstrates moderate momentum with a score of 63/100, suggesting a neutral price trend without strong directional conviction. Revenue growth stands at -1.0% year-over-year, while a beta of 1.08 reflects its sensitivity to broader market moves. Moderate momentum may indicate the stock is consolidating or transitioning between trends, warranting close monitoring of upcoming catalysts.
With a stability score of 55/100, TFC exhibits average financial resilience. Key stability metrics include a beta of 1.08 and a debt-to-equity ratio of 64.00x (sector avg: 0.5x). While the balance sheet is not a major concern, the stock is subject to typical market volatility and may experience sharper drawdowns during risk-off episodes.
The short interest score of 50/100 for TFC suggests somewhat elevated bearish positioning by institutional traders. Specific risk factors include elevated leverage (D/E: 64.00x). With a $59.0B market cap (large-cap), TRUIST FINANCIAL CORP may experience above-average volatility. Investors should consider whether the short thesis has merit or if it creates a potential short-squeeze opportunity.
TRUIST FINANCIAL CORP offers an attractive dividend yield of 4.5%, placing it among the higher-yielding stocks in its peer group. This compares to a sector average dividend yield of 2.0%. A yield this high can provide meaningful income, but investors should verify the payout is sustainable by examining the payout ratio, free cash flow coverage, and any history of dividend cuts.
TRUIST FINANCIAL CORP is a large-cap company in the Finance, Insurance, And Real Estate sector, ranked #0 of 50 in its sector (100th percentile) and #2297 of 7,333 overall (69th percentile). Key comparisons include ROE of 8.2% trailing the 9.0% sector median and operating margins of 26.2% above the 18.1% sector average. This top-quartile standing reflects exceptional competitive strength relative to Finance, Insurance, And Real Estate peers.
While TFC currently exhibits a REDUCE profile, superior opportunities exist within the FINANCE, INSURANCE, AND REAL ESTATE sector. Our model identifies several "Strong Buy" candidates with higher quality scores and more attractive valuations among direct industry competitors.
View Top Finance, Insurance, And Real Estate Alpha →Quant Factor Profile
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Improvement in Quality (28) would have the largest impact on the composite score.
EV/EBITDA 114% ABOVE SECTOR MEDIAN
ROE 9% BELOW SECTOR MEDIAN
Gross Margin 100% BELOW SECTOR MEDIAN
Above 50MA
37.18%
Net New Highs
+51081
Truist Financial has underperformed since its 2019 merger of BB&T and SunTrust, failing to deliver promised efficiency and returns. The stock is up only 7% over five years. Bank of America is recommended as a superior alternative, offering stronger returns on tangible common equity and benefiting from maturing underwater bonds and potential deregulation.
Truist Financial expects 4-5% revenue growth in 2026 driven by loan growth momentum, declining deposit costs, and improved net interest margins. The bank plans $4 billion in share buybacks, which could boost earnings per share. Trading at a forward P/E of 11.5 with a 4.15% dividend yield, the stock is positioned as a value play for investors, though near-term gains may be limited.
Integer Holdings (ITGR) stock rose over 2% on Friday following strong Q4 2025 earnings results and multiple analyst upgrades. Benchmark upgraded the stock to buy with a $95 price target, while Wells Fargo and Truist Securities raised their price targets. The company reported 5% year-over-year sales growth to $472 million and a 22% increase in non-GAAP net income to $62 million.
The Trade Desk (TTD) stock fell 4.7% on Tuesday following the surprise firing of CFO Alex Kayyal, who had only been in the role for five months. Three Wall Street analysts subsequently downgraded the stock, citing concerns about C-suite turnover, revenue deceleration, and competitive pressures. Despite trading at a relatively cheap 16x 2026 earnings, the stock has plummeted 76% from all-time highs.
IQVIA Holdings Inc. (NYSE:IQV) is one of the 10 best life sciences stocks to buy according to hedge funds. On February 19, Jailendra Singh from Truist Financial reiterated his Buy rating for IQVIA Holdings Inc. (NYSE:IQV). He lowered the price target on the stock from $290 to $274, which still offers an impressive upside potential […]