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Truist Financial
TFCFinancialsGenerated Jul 5, 2026, 08:53 PM UTC
TFC (Truist Financial) analytical snapshot. Return on equity 0.00%, ROA 0.00%, ROIC -1.52%. Debt/equity 0.65, current ratio —, net debt $21.33B. Market cap $63.51B at $50.98 per share. DCF not computed (no positive free cash flow reported). Risk: Elevated. Macro: Risk-on · Supportive. Composite analytical score -5 (data confidence 71%). Descriptive analytics from public filings — not investment advice.
Free SEC analysis
— computed from SEC filings, free to readFundamentals
Return on equity 0.00%, ROA 0.00%, ROIC -1.52%. Debt/equity 0.65, current ratio —, net debt $21.33B.
- Return on equity 0.00%, ROA 0.00%, ROIC -1.52%.
- Debt/equity 0.65, current ratio —, net debt $21.33B.
| FY | Revenue | Rev YoY | Gross% | Op% | Net% | FCF | ROE% |
|---|---|---|---|---|---|---|---|
| 2016 | — | — | — | — | — | — | — |
| 2017 | — | — | — | — | — | — | — |
| 2018 | — | — | — | — | — | — | — |
| 2019 | — | — | — | — | — | — | — |
| 2020 | — | — | — | — | — | $3.99B | — |
| 2021 | — | — | — | — | — | $1.30B | — |
| 2022 | — | — | — | — | — | $6.62B | — |
| 2023 | — | — | — | — | — | — | — |
| 2024 | — | — | — | — | — | — | — |
| 2025 | — | — | — | — | — | — | 0.00 |
Filings & Ownership
Latest annual report (10-K) filed Feb 24, 2026. Latest quarterly report (10-Q) filed May 1, 2026. 10 recent 8-K material-event filings in the index.
- Latest annual report (10-K) filed Feb 24, 2026.
- Latest quarterly report (10-Q) filed May 1, 2026.
- 10 recent 8-K material-event filings in the index.
- Recent insider Form 4s: 0 buy vs 0 sell transactions.
- ~7286 recent 13F-HR filings reference Truist Financial; broad institutional reporting.
- Recent filers include Select Asset Management & Trust, Select Asset Management & Trust, Select Asset Management & Trust.
- 20 recent 13G passive institutional ownership notices.
| Filer | Form | Filed |
|---|---|---|
| Select Asset Management & Trust | 13F-HR | Aug 11, 2023 |
| Select Asset Management & Trust | 13F-HR | May 12, 2023 |
| Select Asset Management & Trust | 13F-HR | Aug 12, 2024 |
| Select Asset Management & Trust | 13F-HR | May 14, 2024 |
| Select Asset Management & Trust | 13F-HR | Feb 13, 2024 |
| Date | Form | Description |
|---|---|---|
| Jun 15, 2026 | 8-K | 8-K |
| Jun 8, 2026 | 8-K | 8-K |
| May 15, 2026 | 8-K | 8-K |
| May 1, 2026 | 8-K | 8-K |
| Apr 23, 2026 | 8-K | 8-K |
| Apr 17, 2026 | 8-K | 8-K |
| Jan 27, 2026 | 8-K | 8-K |
| Jan 21, 2026 | 8-K | 8-K |
SEC Filing Deep-Analysis
4 risk signal(s) detected from XBRL filing diff analysis. Free cash flow declined despite stable or rising capex, indicating the cash burn is operational rather than investment-driven. This is a structural concern — cost reduction or asset sales may be needed to restore FCF.
- Free cash flow deteriorating: FCF declined +28.0% YoY (from $10.86B to $7.82B). With OCF at $8.63B and capex at $815.0M, cash generation capacity is weakening — monitor for dividend/buyback sustainability.
- Going concern doubt: The term "going concern" appears in 13 recent filing(s) (vs 3 in the prior period). This risk language is ongoing.
- Material weakness in internal controls: The term "material weakness" appears in 19 recent filing(s) (vs 2 in the prior period). This risk language is ongoing.
- Restatement of financial statements: The term "restate" "financial statements" appears in 10 recent filing(s) (vs 3 in the prior period). This risk language is ongoing.
- Endogenous analysis: Free cash flow declined despite stable or rising capex, indicating the cash burn is operational rather than investment-driven. This is a structural concern — cost reduction or asset sales may be needed to restore FCF.
- Endogenous analysis: The combination of explicit "going concern" language in the filing with deteriorating cash flow or rising leverage is a severe warning signal — the company's own auditors have flagged doubt about the ability to continue as a going concern.
- 20 disclosure(s) dropped from prior year — reduced reporting granularity.
- Ongoing high-severity risk language: Going concern doubt, Material weakness in internal controls, Restatement of financial statements.
| Metric | Prior year | Latest year | Change | % Change |
|---|---|---|---|---|
| Operating income | $5.78B | $-1.50B | $-7.28B | -126.0% |
| Operating cash flow | $11.08B | $8.63B | $-2.45B | -22.1% |
| Capex | $224.0M | $815.0M | $591.0M | +263.8% |
| Total assets | $535.35B | $531.18B | $-4.17B | -0.8% |
| Total liabilities | $476.10B | $467.50B | $-8.60B | -1.8% |
| Long-term debt | $38.92B | $34.96B | $-3.96B | -10.2% |
| Cash & equivalents | $2.96B | $3.84B | $888.0M | +30.0% |
| Stockholders equity | — | $63.68B | — | — |
| Interest expense | $1.72B | $768.0M | $-954.0M | -55.4% |
| Type | Concepts |
|---|---|
| Removed | AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment, AmountRecognizedInNetPeriodicBenefitCostAndOtherComprehensiveIncomeLossBeforeTax, AssetsOfDisposalGroupIncludingDiscontinuedOperation, BankOwnedLifeInsurance, CashProvidedByUsedInFinancingActivitiesDiscontinuedOperations, CashProvidedByUsedInInvestingActivitiesDiscontinuedOperations, CashProvidedByUsedInOperatingActivitiesDiscontinuedOperations, CurrentFederalTaxExpenseBenefit, CurrentIncomeTaxExpenseBenefit, CurrentStateAndLocalTaxExpenseBenefit |
| Term | Severity | Recent | Prior | Status |
|---|---|---|---|---|
| Going concern doubt | high | 13 | 3 | Ongoing |
| Material weakness in internal controls | high | 19 | 2 | Ongoing |
| Restatement of financial statements | high | 10 | 3 | Ongoing |
| Impairment charge | medium | 8 | 1 | Ongoing |
| Restructuring | medium | 118 | 10 | Ongoing |
| Off-balance sheet arrangements | medium | 109 | 8 | Ongoing |
| Related party transactions | low | 70 | 2 | Ongoing |
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- ProValuationMarket cap $63.51B at $50.98 per share.
- ProPrice & TechnicalsPrice $50.98 — uptrend (above 200-DMA); 1-month momentum positive.
- ProMacro & RatesMarket regime: Risk-on · Supportive.
- ProRisk ScorecardComposite risk: Elevated.
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Macro exposure
Rate-sensitive · High sensitivityMacro regime: Risk-on · Supportive. Truist Financial is a rate-sensitive name (high macro sensitivity) — a supportive backdrop, though defensives lag risk-on tapes.
Analytical read
deterministic previewPrice $50.98 — uptrend (above 200-DMA); 1-month momentum positive..
Peer comparison
Rate-sensitive groupHow TFC stacks up against tracked peers with similar macro sensitivity — by analytical score and macro exposure.
| Company | Score | Macro |
|---|---|---|
| Capital One Financial COF | 23 | Neutral |
| Chubb Ltd. CB | 23 | Neutral |
| U.S. Bancorp USB | 17 | Neutral |
| JPMorgan Chase & Co. JPM | 16 | Neutral |
| Prologis Inc. PLD | 14 | Neutral |
| Simon Property Group SPG | 13 | Neutral |
| American Express Co. AXP | 11 | Neutral |
| Bank of America Corp. BAC | 11 | Neutral |
| Visa Inc. V | 8 | Neutral |
| Mastercard Inc. MA | 8 | Neutral |
| Public Storage PSA | 8 | Neutral |
| Dominion Energy D | 6 | Neutral |
| Charles Schwab Corp. SCHW | 6 | Neutral |
| CME Group Inc. CME | 6 | Neutral |
| PNC Financial Services PNC | 4 | Neutral |
| Realty Income Corp. O | 4 | Neutral |
| Travelers Cos. TRV | 2 | Neutral |
| Duke Energy Corp. DUK | 0 | Neutral |
| Bank of New York Mellon BK | 0 | Neutral |
| Marsh & McLennan MMC | 0 | Neutral |
| Equity Residential EQR | 0 | Neutral |
| Wells Fargo & Co. WFC | -1 | Neutral |
| Welltower Inc. WELL | -1 | Neutral |
| Exelon Corp. EXC | -3 | Neutral |
| NextEra Energy NEE | -4 | Neutral |
| Xcel Energy XEL | -5 | Neutral |
| American International Group AIG | -5 | Neutral |
| Truist Financial TFC● you | -5 | Neutral |
| Digital Realty Trust DLR | -6 | Neutral |
| Allstate Corp. ALL | -7 | Neutral |
| S&P Global SPGI | -8 | Neutral |
| American Water Works AWK | -9 | Neutral |
| Goldman Sachs Group GS | -10 | Neutral |
| Citigroup Inc. C | -11 | Neutral |
| Moody's Corp. MCO | -13 | Neutral |
| Morgan Stanley MS | -13 | Neutral |
| MetLife Inc. MET | -13 | Neutral |
| Southern Company SO | -15 | Neutral |
| BlackRock Inc. BLK | -15 | Neutral |
| Equinix Inc. EQIX | -16 | Neutral |
| American Electric Power AEP | -18 | Neutral |
| Crown Castle Inc. CCI | -18 | Neutral |
| American Tower Corp. AMT | -39 | Neutral |