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Truist Financial
TFCFinancialsGenerated Aug 19, 2026, 10:11 PM UTC
TFC (Truist Financial) analytical snapshot. Return on equity 8.14%, ROA 0.97%, ROIC 4.95%. Net income up ▲ +9.6% YoY. Debt/equity 0.67, current ratio —, net debt $22.68B. Market cap $62.27B at $50.97 per share. Trailing P/E 13.34, P/B 0.97. EV/Operating income ≈ 16.01 (EV $84.95B). Risk: Elevated. Macro: Risk-on · Supportive. Composite analytical score -1 (data confidence 71%). Descriptive analytics from public filings — not investment advice.
Free SEC analysis
— computed from SEC filings, free to readFilings & Ownership
Latest annual report (10-K) filed Feb 24, 2026. Latest quarterly report (10-Q) filed Jul 31, 2026. 9 recent 8-K material-event filings in the index.
- Latest annual report (10-K) filed Feb 24, 2026.
- Latest quarterly report (10-Q) filed Jul 31, 2026.
- 9 recent 8-K material-event filings in the index.
- Recent insider Form 4s: 0 buy vs 0 sell transactions.
- ~7511 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 |
|---|---|---|
| Jul 29, 2026 | 8-K | 8-K |
| Jul 23, 2026 | 8-K | 8-K |
| Jul 17, 2026 | 8-K | 8-K |
| 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 |
SEC Filing Deep-Analysis
1 risk signal(s) detected from XBRL filing diff analysis. 1 risk signal(s) detected versus 0 positive signal(s). The balance of evidence suggests elevated filing-specific risk that warrants monitoring in subsequent filings.
- Restatement of financial statements: The term "restatement of" "previously issued" appears in 5 recent filing(s) (vs 3 in the prior period). This risk language is ongoing.
- Endogenous analysis: 1 risk signal(s) detected versus 0 positive signal(s). The balance of evidence suggests elevated filing-specific risk that warrants monitoring in subsequent filings.
- 3 new XBRL disclosure(s) in latest filing — expanding reporting scope.
- 20 disclosure(s) dropped from prior year — reduced reporting granularity.
- Ongoing high-severity risk language: Restatement of financial statements.
| Metric | Prior year | Latest year | Change | % Change |
|---|---|---|---|---|
| Operating income | $-45.0M | $5.31B | $5.35B | +11893.3% |
| Net income | $4.84B | $5.31B | $467.0M | +9.6% |
| Operating cash flow | $2.16B | $5.74B | $3.58B | +165.2% |
| Capex | $442.0M | $564.0M | $122.0M | +27.6% |
| Total assets | $531.18B | $547.54B | $16.36B | +3.1% |
| Total liabilities | $467.50B | $482.35B | $14.85B | +3.2% |
| Long-term debt | $34.96B | $41.96B | $7.01B | +20.0% |
| Cash & equivalents | $39.77B | $36.38B | $-3.39B | -8.5% |
| Stockholders equity | $63.68B | $65.19B | $1.51B | +2.4% |
| Interest expense | $2.32B | $9.86B | $7.54B | +324.6% |
| Type | Concepts |
|---|---|
| Added | PaymentsToAcquireHeldToMaturitySecurities, ProceedsFromIssuanceOfPreferredStockAndPreferenceStock, StockIssuedDuringPeriodValueNewIssues |
| Removed | AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment, AmountRecognizedInNetPeriodicBenefitCostAndOtherComprehensiveIncomeLossBeforeTax, AssetsOfDisposalGroupIncludingDiscontinuedOperation, BankOwnedLifeInsurance, CashProvidedByUsedInFinancingActivitiesDiscontinuedOperations, CashProvidedByUsedInInvestingActivitiesDiscontinuedOperations, CashProvidedByUsedInOperatingActivitiesDiscontinuedOperations, CurrentFederalTaxExpenseBenefit, CurrentIncomeTaxExpenseBenefit, CurrentStateAndLocalTaxExpenseBenefit |
| Term | Severity | Recent | Prior | Status |
|---|---|---|---|---|
| Restatement of financial statements | high | 5 | 3 | Ongoing |
| Impairment charge | medium | 5 | 1 | Ongoing |
| Restructuring | medium | 5 | 10 | Ongoing |
| Off-balance sheet arrangements | medium | 5 | 8 | Ongoing |
| Related party transactions | low | 5 | 2 | Ongoing |
Fundamentals
Return on equity 8.14%, ROA 0.97%, ROIC 4.95%. Net income up ▲ +9.6% YoY. Debt/equity 0.67, current ratio —, net debt $22.68B.
- Return on equity 8.14%, ROA 0.97%, ROIC 4.95%.
- Net income up ▲ +9.6% YoY.
- Debt/equity 0.67, current ratio —, net debt $22.68B.
| FY | Revenue | Rev YoY | Gross% | Op% | Net% | FCF | ROE% |
|---|---|---|---|---|---|---|---|
| 2024 | — | — | — | — | — | — | 7.60 |
| 2025 | — | — | — | — | — | — | 8.14 |
Pro analysis — preview
— score, signals & key metrics shown; full reasoning lockedValuation
Market cap $62.27B at $50.97 per share. Trailing P/E 13.34, P/B 0.97. EV/Operating income ≈ 16.01 (EV $84.95B).
- Market cap $62.27B at $50.97 per share.
Price & Technicals
Price $50.97 — uptrend (above 200-DMA); 1-month momentum negative. RSI(14) 40.61.
- Price $50.97 — uptrend (above 200-DMA); 1-month momentum negative.
Macro & Rates
Risk-on · Supportive. Real GDP growth 1.50% (quarterly, as of Apr 1, 2026). CPI inflation +3.3% YoY. Fed funds rate 3.63%, 10Y Treasury 4.71%.
- Market regime: Risk-on · Supportive.
Risk Scorecard
Composite risk Elevated. Leverage debt/equity 0.67 (moderate). Cash 3.65% of assets; liabilities 88.47% of assets.
- Composite 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 previewMarket regime: Risk-on · Supportive..
Peer comparison
Rate-sensitive groupHow TFC stacks up against tracked peers with similar macro sensitivity — by analytical score and macro exposure.
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