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TFCTruist Financial CorporationHold6.1·$49.13+1.34%
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Truist Financial Corporation (TFC) Stock Analysis

Breakout setup

HoldModerate Confidence

Financial Services · Banks - Regional

Hold if already holding. Not a fresh buy at $49.13, but acceptable to hold if already in. Reason: Analyst target reached - limited upside remaining.

Truist Financial Corporation operates 1,927 branches across the Southeast and Mid-Atlantic, serving consumers, businesses, and municipalities through Wholesale Banking and Consumer/Small Business Banking segments. Revenue flows from net interest income on a broad loan book and... Read more

$49.13+2.0% A.UpsideScore 6.1/10#61 of 142 Banks - Regional
QualityF-score8 / 9FCF yield
IncomeYield4.29%(5y avg 4.70%)Payout51.49%sustainable
Stop $46.43Target $50.10(analyst − 10%)A.R:R 0.3:1
Analyst target$55.67+13.3%18 analysts
$50.10our TP
$49.13price
$55.67mean
$45
$63

Hold if already holding. Not a fresh buy at $49.13, but acceptable to hold if already in. Reason: Analyst target reached - limited upside remaining. Chart setup: Golden cross, above all MAs, RSI 53, MACD bullish. Maintain position. Not compelling to add more. Score 6.1/10, moderate confidence.

Passes 6/8 gates (positive momentum, clean insider activity, news boost analyst 0.80, earnings proximity 30d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio. Suitability: moderate.

news + 30-day 8-K events · 5-min refresh

Recent developments

updated 2026-06-17
TrendMatrix Research · upcoming catalyst calendar

Upcoming dated catalysts

Fri, Jul 17, 202630d to earnings· next earnings call

Thesis

Rewards
Strong earnings beat streak (3/4)
Attractive valuation
Positive momentum
Risks
Analyst target reached - limited upside remaining

Key Metrics

P/E (TTM)12.0
P/E (Fwd)9.5
Mkt Cap$60.4B
EV/EBITDA
Profit Mgn29.6%
ROE8.6%
Rev Growth5.2%
Beta0.88
Dividend4.29%
Rating analysts25

Quality Signals

Piotroski F8/9

Options Flow

P/C0.71neutral
IV45%normal
Max Pain$28-44.0% vs spot

Concentration Risks(10-K Item 1A)

  • LOWGeographicFlorida deposits22%
    10-K Item 1: 'Florida | | 22 | % | | 4th | | 441'
  • LOWGeographicGeorgia deposits21%
    10-K Item 1: 'Georgia | | 21 | | | 1st | | 202'

Material Events(8-K, last 90d)

  • 2026-06-08Item 5.02LOW
    Board appointed Catherine P. Bessant as director of Truist Financial Corporation effective June 5, 2026; also appointed to Board of Truist Bank. No officer departure cited.
    SEC filing →
  • 2026-05-01Item 5.02LOW
    Shareholders at the April 28, 2026 Annual Meeting approved the amendment and restatement of the Truist Financial Corporation 2022 Incentive Plan. No officer departure cited.
    SEC filing →

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.

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Methodology · Editorial policy & full disclaimer

Rating Breakdown

1 ceiling hit

GatesA.R:R 0.3 < 1.5@spotExecutive change: officer departure/appointmentMomentum 8.7>=5.5Insider activity: OKNEWS BOOST ANALYST 0.80EARNINGS PROXIMITY 30d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARBreakoutSuitability: Moderate
RSI
53 · Neutral
20D MA 50D MA 200D MAGOLDEN CROSSSupport $46.35Resistance $52.07

Price Targets

$46
$50
A.Upside+2.0%
A.R:R0.3:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeSteady

Risk Alerts

! Target reached (2.0% upside)
! asymmetry at 0.3 (below the engine's 1.5 threshold)@spot

Earnings

B
B
B
M
3/4 beats
Next Earnings2026-07-17 (30d)

Verdict History

reverse chrono — latest first
Loading history...
Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is TFC stock a buy right now?

Hold if already holding. Not a fresh buy at $49.13, but acceptable to hold if already in. Reason: Analyst target reached - limited upside remaining. Chart setup: Golden cross, above all MAs, RSI 53, MACD bullish. Maintain position. Not compelling to add more. Target $50.10 (+2.0%), stop $46.43 (−5.8%), A.R:R 0.3:1. Score 6.1/10, moderate confidence.

What is the TFC stock price target?

Take-profit target: $50.10 (+2.0% upside). Target $50.10 (+2.0%), stop $46.43 (−5.8%), A.R:R 0.3:1. Stop-loss: $46.43.

What are the risks of investing in TFC?

Analyst target reached - limited upside remaining.

Is TFC overvalued or undervalued?

Truist Financial Corporation trades at a P/E of 12.0 (forward 9.5). TrendMatrix value score: 7.5/10. Verdict: Hold.

What do analysts say about TFC?

25 analysts cover TFC with a consensus score of 3.6/5. Average price target: $56.

What does Truist Financial Corporation do?Truist Financial Corporation operates 1,927 branches across the Southeast and Mid-Atlantic, serving consumers,...

Truist Financial Corporation operates 1,927 branches across the Southeast and Mid-Atlantic, serving consumers, businesses, and municipalities through Wholesale Banking and Consumer/Small Business Banking segments. Revenue flows from net interest income on a broad loan book and fee income from investment banking, wealth management, and treasury services. Truist Bank ranks among the 10 largest commercial banks in the U.S.

Related stocks: IFS (Intercorp Financial Services In) · SSB (SouthState Bank Corporation) · PNFP (Pinnacle Financial Partners, In) · NU (Nu Holdings Ltd.) · ONB (Old National Bancorp)
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