---
title: Truist Financial (TFC) — intrinsic value and fair price
canonical: https://sweetvaluelab.com/stocks/tfc
ticker: TFC
as_of: 2026-10-17
sector: Financial Services
industry: Banks - Regional
---
# Truist Financial (TFC)

Truist Financial (TFC) closed at $47.07 on Oct 16, 2026, undervalued by 12% vs its model value of $53.35 (from the justified price to tangible book).

## Key figures

| Figure | Value |
| --- | ---: |
| Last close | $47.07 (Oct 16, 2026) |
| Model value (from the justified price to tangible book) | $53.35 |
| Price vs model | undervalued by 12% vs model |
| Range of that model | $46.68 – $62.24 |
| Market value | $57.5B |
| P/E (fiscal 2025) | 12.3 |
| Net margin (fiscal 2025) | 17.4% |
| Free cash flow (fiscal 2025) | — |
| Dividend yield (trailing twelve months) | 4.42% |
| Beta | 0.91 |
| Cost of capital (WACC) | 10.70% |
| Business classification | Dividend Payer (Revenue declining (~0% recent), Currently unprofitable, Strong dividend yield) |

## On the stock lists

| List | Place | Figure | Page |
| --- | ---: | ---: | --- |
| Highest dividend yield | #44 | 4.42% | https://sweetvaluelab.com/lists/highest-dividend-yield |
| Lowest P/E | #40 | 12.3× | https://sweetvaluelab.com/lists/lowest-pe |
| Insider buying | #18 | $1.0M | https://sweetvaluelab.com/lists/insider-buying |

## Dividends

| Figure | Value |
| --- | ---: |
| Trailing dividend yield | 4.42% |
| Dividends per share, last 12 months | $2.08 |
| Dividends / earnings (fiscal 2025) | 50.3% |
| Raised | — |
| Growth over 5 years | 2.6% a year |
| Latest payment | $0.52, ex-date Aug 14, 2026, paid Sep 1, 2026 |

| Year of payments | Dividends per share |
| --- | ---: |
| To Aug 12, 2021 | $1.83 |
| To Aug 11, 2022 | $1.96 |
| To Aug 10, 2023 | $2.08 |
| To Aug 9, 2024 | $2.08 |
| To Aug 8, 2025 | $2.08 |
| Trailing twelve months (to Aug 14, 2026) | $2.08 |

## Valuation models

Each model's value per share and the role the engine gave it for this business. The headline above is one model's value; every other model is listed with its own, and each has a page of its own under the valuation. Computed Oct 17, 2026.

| Model | Role | Value per share | Low | High |
| --- | --- | ---: | ---: | ---: |
| P/TBV · justified | primary | $53.35 | $46.68 | $62.24 |
| P/E · peers | cross check | $51.73 | $50.63 | $55.43 |
| P/E · own history | cross check | $51.31 | $42.33 | $57.16 |
| PEG | sanity check | $85.54 | $85.54 | $85.54 |
| Dividend discount | cross check | $38.33 | $26.83 | $60.82 |

## Insider activity (SEC Form 4)

Past 90 days: 1 open-market buy ($1.0M) and 3 open-market sales ($1.6M); 10b5-1 plan sales included.

| Date | Insider | Relationship | Transaction | Shares | Value |
| --- | --- | --- | --- | ---: | ---: |
| Sep 17, 2026 | Lyons Michael P. | President & CEO | Open-market buy | 21,000 | $1.0M |
| Sep 1, 2026 | Lyons Michael P. | President & CEO | Grant / award | 84,951 | $0 |
| Sep 1, 2026 | Lyons Michael P. | President & CEO | Grant / award | 266,990 | $0 |
| Jul 31, 2026 | Wilson Donta L | Chief Consumer & SB BK Officer | Open-market sell | 13,280 | $688,618.5 |
| Jul 28, 2026 | Bessant Catherine P | Director | Grant / award | 2,338 | $0 |

## Recent SEC filings

| Filed | Form | What | Filing |
| --- | --- | --- | --- |
| Oct 16, 2026 | 8-K | 5.02 Departure/Election of Directors or Officers; 7.01 Regulation FD Disclosure; 9.01 Financial Statements and Exhibits | https://www.sec.gov/Archives/edgar/data/92230/000119312526423384/d186531d8k.htm |
| Oct 16, 2026 | 8-K | 2.02 Results of Operations (Earnings); 9.01 Financial Statements and Exhibits | https://www.sec.gov/Archives/edgar/data/92230/000009223026000108/tfc-20261016.htm |
| Sep 15, 2026 | 8-K | 7.01 Regulation FD Disclosure; 9.01 Financial Statements and Exhibits | https://www.sec.gov/Archives/edgar/data/92230/000009223026000105/tfc-20260915.htm |
| Jul 31, 2026 | 10-Q | Quarterly report | https://www.sec.gov/Archives/edgar/data/92230/000009223026000099/tfc-20260630.htm |
| Jul 29, 2026 | 8-K | 5.03 Amendment to Articles/Bylaws; 9.01 Financial Statements and Exhibits | https://www.sec.gov/Archives/edgar/data/92230/000119312526323732/d167123d8k.htm |

## Superinvestors holding it (latest 13F)

| Manager | Quarter | Shares | Value |
| --- | --- | ---: | ---: |
| Bridgewater | 2026-06-30 | 1,078,721 | $53.7M |
| Tweedy Browne | 2026-06-30 | 546,256 | $27.2M |
| Christopher Davis | 2026-06-30 | 208,391 | $10.4M |
| Dodge & Cox | 2026-06-30 | 19,151 | $954,103 |

5 tracked managers in all.

## About

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 a…

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Source: https://sweetvaluelab.com/stocks/tfc (SweetValueLab, free, no account). Prices and statements from Financial Modeling Prep; filings from SEC EDGAR. Research and educational data, not investment advice; nothing here is a recommendation to buy, sell or hold any security.