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Truist Financial Corp

Truist Financial Corp

TFC
$50.40USD↑+0.14%+0.07 today

MARKET CAP

61.6B

P/E (TTM)

12.5x

FWD P/E

—

DAY RANGE

$50 – $51

52W RANGE

$41
$56

AI Summary

Stalk
Sell NowMedium

TFC has broken down into a Stage 4 distribution phase with bearish patterns reinforcing a medium-term downtrend. Short-term conditions remain unfavorable for bullish entries as price trades below the 9, 20, and 50 EMAs and is rejected at resistance. The long-term uptrend is intact via the rising 200-day SMA, but the immediate posture favors selling into rallies toward the EMAs or the recent resistance zone near the 50.6–50.8 area.

  • ↑Q2 net income $1.5B, +37% YoY; ROTCE 15.4%
  • ↑$1.2B repurchased in Q2; $5B buyback forecast for 2026
  • ↓Profitability score negative; loan spread compression pressures margins
Full analysis →

The case for & against

Bull & Bear analysis

Bullish

Truist Financial Corporation (NYSE: TFC) is a prominent player in the U.S. banking sector, offering a wide array of financial products and services to consumer, commercial, and corporate clients. Established through the merger of BB&T and SunTrust, Truist aims to integrate technology with banking to enhance profitability and operational efficiency. The company is currently focusing on relationship-driven growth and capital optimization strategies, positioning itself as a key provider amid evolving market dynamics.

Bull says

  • ↑Q2 net income $1.5B, +37% YoY; ROTCE 15.4%
  • ↑$1.2B repurchased in Q2; $5B buyback forecast for 2026
  • ↑Active mobile users +4% YoY; non-interest income +5.9%
  • ↑Focusing on high-value commercial loans; exiting low-yield segments
  • ↑Stock ~6% undervalued vs. fair value $55.88; strong book ratio
  • ↑High earnings yield, solid leverage structure, stable dividend yield

Bear says

  • ↓Profitability score negative; loan spread compression pressures margins
  • ↓Revenue guidance cut to 3.5%–4%, reflecting net interest headwinds
  • ↓Intense competition dilutes net interest margins and revenue growth
  • ↓Negative liquidity score; deposit migration to higher yields strains liquidity
  • ↓CEO transition brings execution risk amid strategic shifts
  • ↓Analyst revisions trending down, signaling potential demand or profit pressure

Investment themes with TFC

High Dividend Yield↓ -0.51%

Companies paying above-average dividends

AVGO · JPM · XOM
Large Banks↓ -0.26%

MS · GS · BAC
Regional Banks↓ -1.16%

FLG · TCBI · ZION

Earnings Call · Q3 2023 · Mgmt. Guidance

Updated 12-16-2024neutral

Transcript signals

Bull points

  • In August, we invested $17 million to support affordable housing in Charlotte and career development and economic mobility programs across the state of North Carolina.
  • I'm really proud of the meaningful work we're doing as a company to have a positive effect on the lives of our clients, our teammates and our communities and, of course, our shareholders as we work to realize our purpose.
  • we're making strong progress on our cost saves program and organizational simplification, which we'll discuss in more detail later the call.

Bear points

  • we haven't established our 2024 guidance yet, but I believe the things that will drive where we go forward are the same considerations we are seeing now coming out of Q3 and going into Q4.
  • we were very intentional about working through moving from just identifying the risk there to actually resolving several of the problem credits. And we took some losses there to do that.
  • Merger-related and restructuring charges primarily related to severance associated with our cost saves program hurt EPS by $0.04.
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