---
title: Truist (TFC) — bank health card
canonical: https://sweetvaluelab.com/tools/bank-stocks/tfc
ticker: TFC
tier: Super regional
as_of: 2026-10-26
---
# Truist (TFC) — bank health

Truist, Super regional, trades at 1.60× tangible book against a 15.4% return on tangible common equity, a 10% discount to the return-driven theory line. Prices as of Oct 26, 2026; trailing-twelve-month figures through Sep 30, 2026.

## The card

| Figure | TFC | Super regional average (4) |
| --- | ---: | ---: |
| Price | $48.91 |  |
| P/TBV | 1.60× |  |
| Tangible book per share | $30.56 |  |
| P/E | 11.0 |  |
| EPS (TTM) | $4.43 |  |
| Dividend per share (TTM) | $2.08 |  |
| Dividend yield | 4.3% |  |
| Payout | 47.0% |  |
| ROTCE | 15.4% | 16.1% |
| ROA | 1.06% |  |
| Efficiency ratio | 62.1% | 62.6% |
| Net interest income share | 69.7% | 65.5% |
| Credit cost | 5.58% | 4.49% |
| AOCI / TCE | −21.8% | −19.6% |
| CET1 | 10.9% |  |
| CET1 requirement | 7.0% |  |
| Total assets | $554.2B |  |
| Leverage (assets / TCE) | 14.6× |  |
| P/TBV at 9% / 10% / 11% ROTCE (theory) | 2.07× / 1.78× / 1.56× |  |

## Lights

- Unrealized bond losses are 21.8% of tangible equity and 70% of revenue is spread income

## Data notes

- Quarter ending 2026-09-30 excluded: costOfRevenue < interestExpense (beyond a 3%-of-revenue release).
- TTM figures are 3 quarters annualized (× 4/3).

---

Source: https://sweetvaluelab.com/tools/bank-stocks/tfc (SweetValueLab, free, no account). Quarterly statements from Financial Modeling Prep, closes from the daily price cache; the engine's rules are on the board page. Research and educational data, not investment advice; nothing here is a recommendation to buy, sell or hold any security.