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Truist Financial Corporation, a financial services company, provides banking and trust services in the Southeastern and Mid-Atlantic United States. The company operates through two segments, Consumer and Small Business Banking; and Wholesale Banking. Its deposit products include noninterest-bearing checking, interest-bearing checking, savings, and money market deposit accounts, as well as certificates of deposit and individual retirement accounts. The company also provides funding; asset management; credit card lending; home equity and mortgage lending; other direct retail lending; home mortgage lending; Investment brokerage services; mobile/online banking; payment solutions; point-of-sale lending; retail and small business deposit products; and small business lending. In addition, it offers asset-based lending, commercial deposit and treasury services; commercial lending; floor plan lending; derivatives; institutional trust services; insurance premium finance; international banking; investment banking and capital markets services; leasing; merchant services; mortgage warehouse lending; real estate lending; supply chain financing; and wealth management/private banking. The company was formerly known as BB&T Corporation and changed its name to Truist Financial Corporation in December 2019. Truist Financial Corporation was founded in 1872 and is headquartered in Charlotte, North Carolina.
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
Truist Financial Corporation is a U.S. bank holding company offering commercial and consumer banking, mortgage lending, wealth management, insurance and capital markets services. Long-term growth may be supported by net interest margin expansion, cross-selling of wealth and insurance products, digital investments and scale-driven efficiency, which could appeal to investors seeking diversified regional-bank exposure.
Material risks include sensitivity of earnings and asset quality to economic cycles and interest-rate movements, competitive pressure from larger banks and fintech, and regulatory or operational setbacks that could raise costs or capital needs.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 6349.00M | -601.00M | -765.00M | 7669.00M | 7993.00M |
| Minority interest | 0.00M | -22.00M | -44.00M | -7.00M | 3.00M |
| Net income | 5307.00M | 4818.00M | -1091.00M | 6260.00M | 6440.00M |
| Selling general administrative | 7706.00M | 6506.00M | 6516.00M | 8467.00M | 8632.00M |
| Selling and marketing expenses | 299.00M | 268.00M | 260.00M | 352.00M | 294.00M |
| Gross profit | 18937.00M | 11408.00M | 17913.00M | 23035.00M | 22259.00M |
| Reconciled depreciation | 837.00M | 979.00M | 1215.00M | 767.00M | 764.00M |
| Ebit | 6349.00M | -601.00M | -765.00M | 9983.00M | 7996.00M |
| Ebitda | 7053.00M | 378.00M | 450.00M | 10750.00M | 8760.00M |
| Depreciation and amortization | 704.00M | 979.00M | 1215.00M | 767.00M | 764.00M |
| Operating income | 6349.00M | -601.00M | -765.00M | 9983.00M | 7996.00M |
| Other operating expenses | 24089.00M | 24854.00M | 30715.00M | 1763.00M | -14263.00M |
| Interest expense | 10119.00M | 10975.00M | 9928.00M | 2321.00M | 768.00M |
| Tax provision | 1042.00M | -556.00M | 862.00M | 1402.00M | 1556.00M |
| Interest income | 24542.00M | 25066.00M | 24456.00M | 16637.00M | 13774.00M |
| Net interest income | 14423.00M | 14091.00M | 14600.00M | 14316.00M | 13006.00M |
| Extraordinary items | 0.00M | 4863.00M | 412.00M | - | - |
| Income tax expense | 1042.00M | -556.00M | 738.00M | 1402.00M | 1556.00M |
| Total revenue | 30438.00M | 24253.00M | 29950.00M | 23035.00M | 22259.00M |
| Total operating expenses | 12588.00M | 12009.00M | 18678.00M | 1763.00M | -14263.00M |
| Cost of revenue | 11501.00M | 12845.00M | 12037.00M | - | - |
| Total other income expense net | - | -120.00M | -185.00M | -2314.00M | -3.00M |
| Net income from continuing ops | 5307.00M | -45.00M | -1047.00M | 6267.00M | 6437.00M |
| Net income applicable to common shares | 4974.00M | 4469.00M | -1452.00M | 5927.00M | 6033.00M |
| Preferred stock and other adjustments | - | - | - | - | 407.00M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 547538.00M | 531176.00M | 535349.00M | 555255.00M | 541241.00M |
| Intangible assets | 1256.00M | 5258.00M | 5287.00M | 7430.00M | 6041.00M |
| Earning assets | - | - | - | - | 183090.00M |
| Other current assets | - | 1061.00M | 1083.00M | -71801.00M | 160065.00M |
| Total liab | 482349.00M | 467497.00M | 476096.00M | 494718.00M | 471970.00M |
| Total stockholder equity | 65189.00M | 63679.00M | 59101.00M | 60514.00M | 69271.00M |
| Other current liab | 400398.00M | 390524.00M | 395865.00M | 13601.00M | -5292.00M |
| Common stock | 6312.00M | 6580.00M | 6669.00M | 6634.00M | 6639.00M |
| Capital stock | 11228.00M | 12487.00M | 13342.00M | 13307.00M | 13312.00M |
| Retained earnings | 26067.00M | 23777.00M | 22088.00M | 26264.00M | 22998.00M |
| Other liab | - | - | - | 10082.00M | 14277.00M |
| Good will | 17125.00M | 17125.00M | 17156.00M | 27013.00M | 26098.00M |
| Other assets | 7920.00M | 449586.00M | 6563.00M | 499544.00M | 162600.00M |
| Cash | 36377.00M | 39768.00M | 30230.00M | 21421.00M | 20295.00M |
| Total current liabilities | 428237.00M | 417833.00M | 419068.00M | 23422.00M | 5292.00M |
| Current deferred revenue | - | - | - | -13601.00M | - |
| Net debt | 33425.00M | 22497.00M | 31891.00M | 45204.00M | 20910.00M |
| Short term debt | 27839.00M | 27309.00M | 23203.00M | 23422.00M | 5292.00M |
| Short long term debt | 22342.00M | 17634.00M | 20776.00M | 23422.00M | 5292.00M |
| Short long term debt total | 69802.00M | 62265.00M | 62121.00M | 66625.00M | 41205.00M |
| Other stockholder equity | 33663.00M | 35628.00M | 36177.00M | 34544.00M | 34565.00M |
| Property plant equipment | 3172.00M | 4240.00M | 4439.00M | 3605.00M | 3700.00M |
| Total current assets | 370815.00M | 58660.00M | 109659.00M | 21421.00M | 183762.00M |
| Long term investments | 115850.00M | 121533.00M | 124590.00M | 134419.00M | 159040.00M |
| Net tangible assets | - | - | - | 23156.00M | 33092.00M |
| Short term investments | 8990.00M | 4555.00M | 67366.00M | 71801.00M | 153123.00M |
| Net receivables | 325448.00M | 13276.00M | 10980.00M | 11772.00M | 10344.00M |
| Long term debt | 41963.00M | 34956.00M | 38918.00M | 43203.00M | 35913.00M |
| Inventory | - | - | -7894.00M | -11772.00M | 51.00M |
| Accounts payable | - | - | - | 413495.00M | 416488.00M |
| Accumulated other comprehensive income | -5769.00M | -8213.00M | -12506.00M | -13601.00M | -1604.00M |
| Common stock total equity | - | - | - | - | 6639.00M |
| Preferred stock total equity | - | - | 6673.00M | - | 6673.00M |
| Retained earnings total equity | - | - | - | - | 22998.00M |
| Non currrent assets other | 42942.00M | 23496.00M | 21377.00M | -124576.00M | 1604.00M |
| Non current assets total | 176723.00M | 472516.00M | 425690.00M | 34290.00M | 194879.00M |
| Long term debt total | 41963.00M | 32556.00M | 34717.00M | 43203.00M | 35913.00M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | 8449.00M | 18598.00M | 22858.00M | -29972.00M | -29039.00M |
| Change to liabilities | - | - | - | 0.00M | 0.00M |
| Total cashflows from investing activities | -17763.00M | 18598.00M | 22858.00M | -29972.00M | -32056.00M |
| Net borrowings | 5326.00M | 361.00M | -2678.00M | 26540.00M | -4031.00M |
| Total cash from financing activities | 8633.00M | -11638.00M | -22266.00M | 20017.00M | 25591.00M |
| Change to operating activities | - | - | - | 1631.00M | -90.00M |
| Net income | 5307.00M | 4840.00M | -1047.00M | 6267.00M | 6437.00M |
| Change in cash | -3391.00M | 9124.00M | 9223.00M | 1126.00M | 1427.00M |
| Begin period cash flow | 39768.00M | 30644.00M | 21421.00M | 20295.00M | 18868.00M |
| End period cash flow | 36377.00M | 39768.00M | 30644.00M | 21421.00M | 20295.00M |
| Total cash from operating activities | 5739.00M | 2164.00M | 8631.00M | 11081.00M | 7892.00M |
| Issuance of capital stock | - | - | - | 0.00M | 0.00M |
| Depreciation | 837.00M | 979.00M | 1215.00M | 1366.00M | 1384.00M |
| Other cashflows from investing activities | -26212.00M | 4841.00M | 13141.00M | -29408.00M | -2575.00M |
| Dividends paid | 2996.00M | 3135.00M | 3131.00M | -2989.00M | -2852.00M |
| Sale purchase of stock | -2500.00M | -1750.00M | -250.00M | -250.00M | -3031.00M |
| Other cashflows from financing activities | 8803.00M | -7114.00M | -16457.00M | 30553.00M | 82.00M |
| Change to netincome | - | - | - | -1530.00M | 1572.00M |
| Capital expenditures | 0.00M | 0.00M | 17.00M | 564.00M | 442.00M |
| Cash flows other operating | - | - | - | - | -1501.00M |
| Cash and cash equivalents changes | - | - | - | - | 1427.00M |
| Change in working capital | -2850.00M | -8154.00M | 271.00M | 4985.00M | 655.00M |
| Stock based compensation | - | - | 320.00M | - | - |
| Other non cash items | 2445.00M | 4499.00M | 8192.00M | -1537.00M | -584.00M |
| Free cash flow | 5739.00M | 2164.00M | 8631.00M | 10517.00M | 7450.00M |
Sector: Financial Services Industry: Banks - Regional
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| TFC Truist Financial Corp |
1.34 2.72% |
50.73 | 11.52 | 9.98 | 3.24 | 1.04 | 6.55 |
| DBSDY DBS Group Holdings Ltd ADR |
3.79 1.76% |
219.67 | 20.00 | 17.57 | 7.54 | 3.17 | 13.19 |
| CIHHF China Merchants Bank Co Ltd Class H |
0.03 0.45% |
6.69 | 7.70 | 7.10 | 0.55 | 0.83 | 3.51 |
| CIHKY China Merchants Bank Co Ltd |
-0.08 0.23% |
34.65 | 7.79 | 7.20 | 0.55 | 0.85 | 3.51 |
| UNCFF UniCredit SpA |
5.05 5.86% |
91.30 | 11.53 | 10.27 | 5.72 | 1.83 | 8.22 |
Truist Financial Corporation, a financial services company, provides banking and trust services in the Southeastern and Mid-Atlantic United States. The company operates through two segments, Consumer and Small Business Banking; and Wholesale Banking. Its deposit products include noninterest-bearing checking, interest-bearing checking, savings, and money market deposit accounts, as well as certificates of deposit and individual retirement accounts. The company also provides funding; asset management; credit card lending; home equity and mortgage lending; other direct retail lending; home mortgage lending; Investment brokerage services; mobile/online banking; payment solutions; point-of-sale lending; retail and small business deposit products; and small business lending. In addition, it offers asset-based lending, commercial deposit and treasury services; commercial lending; floor plan lending; derivatives; institutional trust services; insurance premium finance; international banking; investment banking and capital markets services; leasing; merchant services; mortgage warehouse lending; real estate lending; supply chain financing; and wealth management/private banking. The company was formerly known as BB&T Corporation and changed its name to Truist Financial Corporation in December 2019. Truist Financial Corporation was founded in 1872 and is headquartered in Charlotte, North Carolina.
214 North Tryon Street, Charlotte, NC, United States, 28202
844 487 8478
37849
| Name | Title | Year Born |
|---|---|---|
| Mr. William Henry Rogers Jr. | Exec. Chairman, CEO & Pres | 1958 |
| Mr. Kelly Stuart King | Exec. Director | 1948 |
| Mr. Clarke R. Starnes III | Sr. EVP, Chief Risk Officer & Vice Chair | 1959 |
| Mr. John Michael Howard | Sr. EVP & Chief Insurance Officer | 1967 |
| Mr. Hugh Sterling Cummins III | Vice Chair | 1963 |
| Mr. Michael Baron Maguire | Sr. EVP, CFO and Chief Consumer Fin. & Payments Officer | 1979 |
| Mr. Scott E. Case | Chief Information Officer & Sr. EVP | 1971 |
| Mr. Ankur Vyas | Head of Investor Relations | NA |
| Ms. Ellen M. Fitzsimmons | Sr. EVP, Chief Legal Officer & Head of Public Affairs | 1961 |
| Mr. Scott Stanzel | Exec. VP & Chief Communications Officer | NA |
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