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TFC

Neutral signalScored 2026-10-18 Drivers: Congress, trend, fundamentals. Insiders: neutral. Moteurs : Congrès, tendance, fondamentaux. Initiés : neutre.

Research, not advice.

À propos

Truist Financial Corporation

Nom
Truist Financial Corporation
Secteur
Financial Services
Industrie
Banks - Regional
Bourse
NYSE
Capitalisation
$59.2B
Employés
37,833
PDG
Michael Lyons
Site web
https://www.truist.com
Marché
CFGFITBHBANKEYMTBPNC

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.

Price (1 year)

Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.

ACHAT TOTAL: 21 000 titres (~1 015 576,80 $ US)

Insiders
Lyons Michael P.
Total bought
$1,015,577

Avg buy (VWAP, 90d window) $48.36 vs last close $47.07 (-2.7%)

Total sold
$688,618

Avg sell (VWAP, 90d window) $51.85 vs last close $47.07 (-9.2%)

Total sold sums Form 4 code S in this window. Codes F, M, A and G are left out.

Last activity
2026-09-17
Liquidity
Liquid $398,808,419/day · 20d vol
Last synced
2026-10-18 09:40:53 Synced via automated research pipeline

Sign in to request a sync of this company's price history and timing levels.

Insider holdings as a share of total assets aren't available for this company.

Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.

Recent Form 4

Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.

Date Person Side Shares Price Value Form 4
2026-09-17 Lyons Michael P. Buy · P 21,000 $48.36 $1,015,577 Form 4
2026-07-31 Wilson Donta L Sell · S 13,280 $51.85 $688,618 Form 4

Congressional trades

STOCK Act disclosures (90-day window)

Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.

No STOCK Act disclosures for this company in this window.

Recent trades

DateRepresentativeTypeAmount
2026-04-17Lloyd K. SmuckerSale$1,001 - $15,000
2026-03-30Ro KhannaPurchase$15,001 - $50,000
2025-12-11Daniel Milton NewhouseSale (Full)$1,001 - $15,000
2025-08-27Ro KhannaPurchase$1,001 - $15,000
2025-08-12Ro KhannaPurchase$1,001 - $15,000
2025-08-08Ro KhannaPurchase$1,001 - $15,000
2025-08-04Ro KhannaPurchase$1,001 - $15,000
2025-08-01Ro KhannaPurchase$1,001 - $15,000
2025-06-18Ro KhannaPurchase$1,001 - $15,000
2025-04-11Daniel Milton NewhouseSale (Partial)$1,001 - $15,000
2025-04-08Robert P. BresnahanSale (Full)$1,001 - $15,000
2025-02-11Julie JohnsonSale (Full)$1,001 - $15,000
2024-11-15Ro KhannaPurchase$1,001 - $15,000
2024-09-27Neal Patrick DunnPurchase$1,001 - $15,000
2024-09-09Ro KhannaSale$1,001 - $15,000
2024-02-02Ro KhannaSale$1,001 - $15,000
2024-02-02Ro KhannaSale$1,001 - $15,000
2024-02-01Ro KhannaSale$1,001 - $15,000
2024-02-01Ro KhannaSale$1,001 - $15,000
2024-01-31Ro KhannaSale$1,001 - $15,000
2023-10-10Ro KhannaSale$1,001 - $15,000
2023-10-09Ro KhannaSale$1,001 - $15,000
2023-10-09Ro KhannaSale$1,001 - $15,000
2023-10-05Ro KhannaSale$1,001 - $15,000
2023-10-05Ro KhannaSale$1,001 - $15,000
2023-08-29Ro KhannaPurchase$1,001 - $15,000
2023-07-28Ro KhannaPurchase$1,001 - $15,000
2023-07-12Daniel GoldmanSale (Full)$15,001 - $50,000
2023-06-26Ro KhannaSale$1,001 - $15,000
2023-05-19Ro KhannaPurchase$1,001 - $15,000
2023-05-05Neal Patrick DunnPurchase$1,001 - $15,000
2023-04-26Daniel Milton NewhousePurchase$1,001 - $15,000
2023-04-25Ro KhannaSale$1,001 - $15,000
2023-04-10Daniel GoldmanPurchase$15,001 - $50,000
2023-03-24Ro KhannaPurchase$1,001 - $15,000
2023-03-15Ro KhannaPurchase$1,001 - $15,000
2023-03-15Ro KhannaPurchase$1,001 - $15,000
2023-03-14Ro KhannaSale$1,001 - $15,000
2023-03-09Ro KhannaPurchase$1,001 - $15,000
2023-02-15Ro KhannaPurchase$1,001 - $15,000
2023-02-15Ro KhannaPurchase$1,001 - $15,000
2023-01-09Ro KhannaPurchase$1,001 - $15,000
2022-12-22Ro KhannaPurchase$1,001 - $15,000
2022-12-22Ro KhannaPurchase$1,001 - $15,000
2022-12-06Ro KhannaSale$15,001 - $50,000
2022-11-03Ro KhannaSale$15,001 - $50,000
2022-10-20Ro KhannaSale$1,001 - $15,000
2022-10-20Ro KhannaSale$1,001 - $15,000
2022-09-29Ro KhannaPurchase$15,001 - $50,000
2022-09-06Ro KhannaSale$1,001 - $15,000
2022-08-15Neal Patrick DunnPurchase$15,001 - $50,000
2022-08-01Ro KhannaSale$1,001 - $15,000
2022-06-30Roger WilliamsPurchase$1,001 - $15,000
2022-06-16Ro KhannaPurchase$15,001 - $50,000
2022-06-08Ro KhannaPurchase$1,001 - $15,000
2022-05-10Ro KhannaPurchase$15,001 - $50,000
2022-05-06Ro KhannaPurchase$1,001 - $15,000
2022-05-05Ro KhannaSale$15,001 - $50,000
2022-04-22Ro KhannaPurchase$50,001 - $100,000
2022-04-13Ro KhannaSale$1,001 - $15,000
2022-04-11Ro KhannaPurchase$1,001 - $15,000
2022-03-16John Henry RutherfordSale (Full)$1,001 - $15,000
2022-02-10Ro KhannaPurchase$1,001 - $15,000
2022-01-21Ro KhannaSale$1,001 - $15,000
2022-01-20Ro KhannaSale$1,001 - $15,000
2021-12-16Marjorie Taylor GreeneSale (Full)$15,001 - $50,000
2021-05-12Marjorie Taylor GreenePurchase$1,001 - $15,000
2021-02-16Peter MeijerSale (Full)$1,001 - $15,000
2021-02-08Mo BrooksSale (Full)$1,001 - $15,000
2021-02-05Kurt SchraderPurchase$1,001 - $15,000
2021-01-21John Henry RutherfordPurchase$1,001 - $15,000
2021-01-04Chris JacobsSale (Full)$1,001 - $15,000
2020-08-07Joe CourtneySale (Full)$1,001 - $15,000
2020-07-30Dean PhillipsPurchase$1,001 - $15,000
2020-06-23David P. RoePurchase$1,001 - $15,000
2020-06-10Lois FrankelSale (Partial)$1,001 - $15,000
2020-05-13Dean PhillipsPurchase$1,001 - $15,000
2020-04-29Gilbert Ray CisnerosPurchase$1,001 - $15,000
2020-04-15Rick W. AllenSale (Full)$15,001 - $50,000
2020-04-15Rick W. AllenSale (Full)$15,001 - $50,000
2020-04-02Dean PhillipsSale (Full)$1,001 - $15,000
2020-03-18Gilbert Ray CisnerosSale (Full)$1,001 - $15,000
2020-02-20Mikie SherrillSale (Full)$1,001 - $15,000
2020-02-02Mo BrooksSale (Full)$15,001 - $50,000
2019-12-31Joe CourtneyPurchase$1,001 - $15,000

Signal

Neutral signalScored 2026-10-18 Drivers: Congress, trend, fundamentals. Insiders: neutral. Moteurs : Congrès, tendance, fondamentaux. Initiés : neutre.

TFC presents a moderately interesting event-driven setup: a significant CEO cluster buy (~$1M) combined with a strategic portfolio restructuring (auto loan sale) signals management conviction in the 2027 earnings…

The first sentence of the analysis written for TFC on 2026-10-18 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.

Neutral signal Drivers: Congress, trend, fundamentals. Insiders: neutral. Moteurs : Congrès, tendance, fondamentaux. Initiés : neutre.

Factor checklist — research, not advice

A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.

  • Insider Unavailable or mixed. Purchase and sale value are mixed
  • Congress Pulls against a bullish reading. STOCK Act sale disclosures outnumber purchases
  • Narrative Unavailable or mixed. Stored narrative reading is in the neutral band
  • Timing Pulls against a bullish reading. Close is more than 0.5 ATR under stored support
  • Financial indicators Unavailable or mixed. Current ratio 0.87 · operating margin 21% — readings disagree

Suggested stop 46.13, nearest stored support minus 0.5 ATR(2.0% under the last close). Reward/risk to the next stored resistance is 3.17. Research, not advice. Not an order.

Market snapshot

Financial ratios

MetricTrend2025-12-312024-12-312023-12-312022-12-312021-12-31
Gross Profit Margin62.2%47.0%59.8%86.1%100.2%
Ebit Margin20.9%-2.5%-2.6%31.5%34.7%
Ebitda Margin23.2%1.6%1.5%37.7%40.7%
Operating Profit Margin20.9%-2.5%-2.6%31.5%34.7%
Pretax Profit Margin20.9%-2.5%-2.6%31.5%34.7%
Continuous Operations Profit Margin17.4%-0.2%-5.0%25.9%27.9%
Net Profit Margin17.4%19.9%-3.6%28.1%27.9%
Bottom Line Profit Margin16.3%18.4%-4.8%26.6%26.2%
Current Ratio0.8660.1400.2620.2440.439
Quick Ratio0.8660.1400.2620.2440.439
Solvency Ratio0.0120.0120.0000.0150.017
Cash Ratio0.0850.0950.0720.0490.048
Price To Earnings Ratio12.74912.911-33.8729.64812.982
Price To Earnings Growth Ratio0.857-0.0320.272-8.7020.288
Forward Price To Earnings Growth Ratio0.857-0.0320.272-8.7020.288
Price To Earnings Diluted Ratio12.88212.911-33.8729.71313.098
Price To Earnings Diluted Growth Ratio0.941-0.0320.272-10.8550.290
Price To Book Ratio0.9570.9070.8320.9441.130
Price To Sales Ratio2.0492.3811.6422.5633.394
Price To Free Cash Flow Ratio10.86726.6835.6985.43410.509
Price To Operating Cash Flow Ratio10.86726.6835.6985.1579.920
Debt To Assets Ratio0.1270.1170.1160.1170.076
Debt To Equity Ratio1.0710.9781.0511.0750.590
Debt To Capital Ratio0.5170.4940.5120.5180.371
Long Term Debt To Capital Ratio0.3920.3540.3970.4170.341
Financial Leverage Ratio8.3998.3419.0589.1767.813
Working Capital Turnover Ratio-0.146-0.073-0.094-0.079-0.098
Operating Cash Flow Ratio0.0130.0050.0210.0250.019
Operating Cash Flow Sales Ratio0.1890.0890.2880.4970.342
Free Cash Flow Operating Cash Flow Ratio1.0001.0001.0000.9490.944
Debt Service Coverage Ratio0.1580.024-0.0090.2951.362
Interest Coverage Ratio0.627-0.055-0.0773.02810.408
Short Term Operating Cash Flow Coverage Ratio0.2060.0790.3720.5071.587
Operating Cash Flow Coverage Ratio0.0820.0350.1390.1700.193
Capital Expenditure Coverage Ratio0.0000.0000.00019.64717.855
Dividend Paid And Capex Coverage Ratio1.9160.6902.7573.1192.396
Dividend Payout Ratio0.5650.651-2.8700.4770.443
Enterprise Value Multiple13.582212.274180.14912.00710.545

Sparkline shows each ratio oldest → newest (left → right).

How the latest year compares

For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower

MetricCurrentvs 1Y agovs 5Y avg
Gross Profit Margin 62.2% ▲15.2% ▼-8.9%
Ebit Margin 20.9% ▲23.3% ▲4.5%
Ebitda Margin 23.2% ▲21.6% ▲2.3%
Operating Profit Margin 20.9% ▲23.3% ▲4.5%
Pretax Profit Margin 20.9% ▲23.3% ▲4.5%
Continuous Operations Profit Margin 17.4% ▲17.6% ▲4.2%
Net Profit Margin 17.4% ▼-2.4% ▼-0.5%
Bottom Line Profit Margin 16.3% ▼-2.1% ▼-0.2%
Current Ratio 0.866 ▲0.726 ▲0.476
Quick Ratio 0.866 ▲0.726 ▲0.476
Solvency Ratio 0.013 ▲0.000 ▲0.001
Cash Ratio 0.085 ▼-0.010 ▲0.015
Price To Earnings Ratio 12.749 ▼-0.162 ▲9.865
Price To Earnings Growth Ratio 0.857 ▲0.888 ▲2.320
Forward Price To Earnings Growth Ratio 0.857 ▲0.888 ▲2.320
Price To Earnings Diluted Ratio 12.882 ▼-0.029 ▲9.936
Price To Earnings Diluted Growth Ratio 0.941 ▲0.973 ▲2.818
Price To Book Ratio 0.957 ▲0.050 ▲0.003
Price To Sales Ratio 2.049 ▼-0.332 ▼-0.357
Price To Free Cash Flow Ratio 10.867 ▼-15.816 ▼-0.971
Price To Operating Cash Flow Ratio 10.867 ▼-15.816 ▼-0.798
Debt To Assets Ratio 0.128 ▲0.010 ▲0.017
Debt To Equity Ratio 1.071 ▲0.093 ▲0.118
Debt To Capital Ratio 0.517 ▲0.023 ▲0.034
Long Term Debt To Capital Ratio 0.392 ▲0.037 ▲0.011
Financial Leverage Ratio 8.399 ▲0.058 ▼-0.158
Working Capital Turnover Ratio -0.146 ▼-0.074 ▼-0.048
Operating Cash Flow Ratio 0.013 ▲0.008 ▼-0.003
Operating Cash Flow Sales Ratio 0.189 ▲0.099 ▼-0.092
Free Cash Flow Operating Cash Flow Ratio 1.000 0.000 ▲0.021
Debt Service Coverage Ratio 0.158 ▲0.134 ▼-0.208
Interest Coverage Ratio 0.627 ▲0.682 ▼-2.159
Short Term Operating Cash Flow Coverage Ratio 0.206 ▲0.127 ▼-0.344
Operating Cash Flow Coverage Ratio 0.082 ▲0.048 ▼-0.042
Capital Expenditure Coverage Ratio 0.000 0.000 ▼-7.500
Dividend Paid And Capex Coverage Ratio 1.916 ▲1.225 ▼-0.260
Dividend Payout Ratio 0.565 ▼-0.086 ▲0.711
Enterprise Value Multiple 13.582 ▼-198.692 ▼-72.130

Key metrics

MetricTrend20252024202320222021
Market cap$62.37B$57.74B$49.18B$57.15B$78.29B
Enterprise value$95.79B$80.24B$81.07B$100.80B$98.88B
EV / Sales3.15x3.31x2.71x4.52x4.29x
EV / Op. cash flow16.69x37.08x9.39x9.10x12.53x
EV / Free cash flow16.69x37.08x9.39x9.59x13.27x
EV / EBITDA13.58x212.27x180.15x12.01x10.54x
Net debt / EBITDA4.74x59.52x70.87x5.20x2.20x
Current ratio0.87x0.14x0.26x0.24x0.44x
Income quality1.08x0.45x-8.24x1.77x1.23x
Graham number$70$62—$70$75
Graham net-net-$152-$310-$278-$296-$217
Tax burden83.6%-801.7%142.6%89.1%80.6%
Interest burden100.0%100.0%100.0%100.0%100.0%
Working capital-$57.42B-$359.17B-$309.41B-$329.21B-$236.55B
Invested capital-$35.87B-$331.20B-$280.96B-$287.89B-$197.45B
Return on assets1.0%0.9%-0.2%1.1%1.2%
Operating ROA1.2%-0.1%-0.1%1.3%1.5%
Return on tangible assets1.0%0.9%-0.2%1.2%1.3%
Return on equity8.1%7.6%-1.8%10.3%9.3%
Return on invested capital3.6%-0.0%-0.5%4.1%5.2%
Return on capital employed5.3%-0.5%-0.7%5.9%6.7%
Earnings yield8.5%8.3%-2.2%11.0%8.2%
Free cash flow yield9.2%3.7%17.6%18.4%9.5%
Capex / Op. cash flow0.0%0.0%0.0%5.1%5.6%
Capex / Depreciation0.0%0.0%0.0%41.3%31.9%
Capex / Sales0.0%0.0%0.0%2.5%1.9%
SG&A / Sales26.3%27.9%22.6%30.9%38.7%
R&D / Sales0.0%0.0%0.0%0.0%0.0%
Stock comp / Sales0.0%0.0%0.0%0.0%0.0%
Intangibles / Total assets3.4%4.2%4.2%6.2%5.9%
Days sales outstanding3903d200d134d193d164d
Days payables outstanding0d0d0d0d0d
Operating cycle3903d200d134d193d164d
Cash conversion cycle3903d200d134d193d164d

Change by theme

Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.

Change over 1 year

Valuation
Market cap ▲+8.0%EV / Sales ▼-4.9%EV / EBITDA ▼-93.6%EV / Op. cash flow ▼-20.388Earnings yield ▲+0.002Graham number ▲+7.197
Profitability
Return on equity ▲+0.006Return on assets ▲+0.001Return on invested capital ▲+0.036Return on capital employed ▲+0.059Operating ROA ▲+0.013Income quality ▲+0.634Tax burden ▲+8.853
Efficiency
Days sales outstanding ▲+3702.839Days payables outstanding n/aOperating cycle ▲+3702.839Cash conversion cycle ▲+3702.839Capex / Sales n/aR&D / Sales n/a
Balance-sheet strength
Current ratio ▲+0.726Net debt / EBITDA ▼-54.777Working capital ▲+301751000000.000Invested capital ▲+295329000000.000Intangibles / Total assets ▼-0.009

Change over 5 years

Valuation
Market cap ▼-20.3%EV / Sales ▼-26.6%EV / EBITDA ▲+28.8%EV / Op. cash flow ▲+4.162Earnings yield ▲+0.003Graham number ▼-5.310
Profitability
Return on equity ▼-0.012Return on assets ▼-0.002Return on invested capital ▼-0.016Return on capital employed ▼-0.014Operating ROA ▼-0.003Income quality ▼-0.145Tax burden ▲+0.030
Efficiency
Days sales outstanding ▲+3738.940Days payables outstanding n/aOperating cycle ▲+3738.940Cash conversion cycle ▲+3738.940Capex / Sales ▼-0.019R&D / Sales n/a
Balance-sheet strength
Current ratio ▲+0.427Net debt / EBITDA ▲+2.543Working capital ▲+179126000000.000Invested capital ▲+161580000000.000Intangibles / Total assets ▼-0.026

Employee count

Peer market caps

Recent news