Truist Financial stock | Growth outlook for 2026 & price target

Truist Financial

NYSE:TFC

$ 50,93

$-0,57 (-1,11%)

50,93 $

$-0,57 (-1,11%)

End-of-day quote: 05/01/2026

Truist Financial Stock Value

The current analyst rating for NYSE:TFC is Outperform.

Outperform

Truist Financial Company Info

EPS Growth 5Y

1,08%

Market Cap

$64,16 B

Long-Term Debt

$41,96 B

Short Interest

2,54%

Quarterly earnings

04/17/2026

Dividend

$2,06

Dividend Yield

4,04%

Founded

1872

Industry

Financials

Country

United States

ISIN Number

US89832Q1094

Website

http://www.truist.com

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

$56,00

9.95%

Last Update: 04/30/2026

Analysts: 19

Highest Price Target $63,00

Average Price Target $56,00

Lowest Price Target $45,00

In the last five quarters, Truist Financial’s Price Target has risen from $44,02 to $51,66 - a 17,36% increase. Sixteen analysts predict that Truist Financial’s share price will increase in the coming year, reaching $56,00. This would represent an increase of 9,95%.

Top growth stocks in the financials sector (5Y.)

What does Truist Financial do?

Truist Financial Corporation (Truist) operates as the bank holding company for Truist Bank that offers a wide range of products and services through wholesale and consumer businesses, including consumer and small business banking, commercial and corporate banking, investment banking and capital markets, wealth management, payments, and specialized lending businesses. Truist Bank is one of the 10 largest commercial banks in the U.S. and provides banking and trust services for clients through var...

Truist Bank is one of the 10 largest commercial banks in the U.S. and provides banking and trust services for clients through various offices and its digital platform.

Product and Services

The company offers commercial and consumer clients an array of products and services to respond to their financial needs. Examples of these products and services include:

Consumer Services: Includes asset management, automobile lending, credit card lending, consumer finance, home equity and 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.

Wholesale Services: Includes asset-based lending, asset management, commercial deposit and treasury services, commercial lending, floor plan lending, derivatives, institutional trust services, insurance, insurance premium finance, international banking, investment banking and capital markets services, leasing, merchant services, mortgage warehouse lending, payment solutions, real estate lending, supply chain financing, and wealth management/private banking.

Strategy

The company’s strategic direction is to build the top super regional bank that grows with its clients with care.

Lending Activities

Truist lends to a diverse client base that is managed to be geographically dispersed to mitigate concentration risk arising from local and regional economic downturns.

Commercial Loan and Lease Portfolio

Commercial loans and leases represent the largest category of the company’s loan and lease portfolio. Commercial Community Banking and small business banking generally target small-to-middle market businesses with annual sales between $2 million and $500 million, while Investment Banking and Capital Markets (formerly Corporate and Investment Banking) provides lending solutions to large corporate clients. The commercial loan and lease portfolio consists of lending to public and private business clients and includes commercial and industrial, owner occupied, equipment leasing and financing, CRE, government and institutional financing, premium financing, and dealer floor plan financing.

In accordance with the company’s lending policy, each commercial loan undergoes a detailed underwriting process. Commercial loans are typically priced with an interest rate tied to market indices, such as the prime rate or SOFR and are individually monitored and reviewed for deterioration in the ability of the client to repay the loan. The majority of Truist’s commercial loans are secured by real estate, business equipment, inventories, and other types of collateral.

Residential Mortgage Loan Portfolio

The company primarily originates conforming mortgage loans, loans under FHA, U.S. Department of Veterans Affairs, or U.S. Department of Agriculture programs, and higher quality jumbo and construction-to-permanent loans for 1-4 family residential properties. Conforming loans are loans that are underwritten in accordance with the underwriting standards set forth by FNMA and FHLMC. They are generally collateralized by one-to-four-family residential real estate, typically have loan-to-collateral value ratios of 80% or less at origination or have mortgage insurance as required by investors and are made to borrowers that meet Truist’s credit standards. The company also purchases residential mortgage loans from correspondent originators.

Home Equity Loan Portfolio

The home equity portfolio is composed of loans offered through Truist’s branch network. These include home equity loans and revolving home equity lines of credit secured by first or second liens on residential real estate in Truist’s market areas.

Indirect Auto Loan Portfolio

The indirect auto portfolio primarily includes secured indirect installment loans to consumers for the purchase of new and used automobiles. The indirect auto portfolio also includes nonprime and near prime automobile finance. Such loans are originated through approved franchised and independent dealers throughout the Truist market area and nationally through Regional Acceptance Corporation. These loans are homogeneous, and no single loan is individually significant in terms of its size and potential risk of loss. Indirect auto loans are subject to lending policies and procedures and are underwritten with note amounts and credit limits that are consistent with the company’s risk philosophy. In addition to its normal underwriting due diligence, Truist uses application systems and scoring systems to help underwrite and manage the credit risk in its indirect auto portfolio.

Other Consumer Loan Portfolio

The other consumer portfolio includes loans originated through the Truist branch network, as well as loans originated by Truist’s national online consumer lending platforms. The other consumer loan portfolio includes: secured and unsecured loans originated through the Truist branch network marketed to qualifying clients and other creditworthy candidates in Truist’s market areas; LightStream, an online platform which originates fixed-rate, unsecured lending to consumers with strong credit; secured indirect installment loans to consumers for the purchase of new and used boats and recreational vehicles; Sheffield, a small ticket consumer lending division related to the purchase of power sports and outdoor power equipment; other indirect and point-of-sale lending to consumers, including through Service Finance, to finance home improvements, furniture purchases, certain elective health-care services; and unsecured loans originated via third-party partnerships, which are in run-off. These loans are homogeneous, and no single loan is individually significant in terms of its size and potential risk of loss. These loans are originated in accordance with underwriting criteria as determined by Truist.

Credit Card Loan Portfolio

The credit card portfolio consists of the outstanding balances on credit cards for commercial and consumer clients. Truist markets credit cards to its existing client base and does not solicit cardholders through nationwide programs or other forms of mass marketing. Such balances are generally unsecured and actively managed.

Investment Portfolio

As of December 31, 2024, the company’s investment portfolio included U.S. Treasury; U.S. government-sponsored enterprise (GSE); agency MBS – residential; agency mortgage-backed securities (MBS) – commercial; states and political subdivisions; non-agency MBS; and other securities.

Deposits

Deposits are obtained principally from individuals and businesses within Truist’s geographic area and include noninterest-bearing checking accounts, interest-bearing checking accounts, savings accounts, money market deposit accounts, CDs, and IRAs.

Regulatory and Supervisory Considerations

As a BHC, the company is subject to the Bank Holding Company Act of 1956, as amended (BHCA) and to regulation, supervision, and examination by the Board of Governors of the Federal Reserve System (FRB).

Truist Bank, a North Carolina state-chartered commercial bank that is not a member of the Federal Reserve System, is subject to regulation, supervision, and examination by the NCCOB (North Carolina Office of the Commissioner of Banks) and the FDIC (Federal Deposit Insurance Corporation). Truist Bank and its affiliates are also subject to examination by the Consumer Financial Protection Bureau (CFPB) for compliance with most federal consumer financial protection laws.

The company and certain of its subsidiaries and affiliates, including those that engage in derivatives transactions, securities underwriting, market making, brokerage, and investment advisory activities, are subject to other federal and state laws and regulations, as well as supervision and examination by other federal and state regulatory agencies and other regulatory authorities, including the Securities and Exchange Commission (SEC), Commodity Futures Trading Commission (CFTC), Financial Industry Regulatory Authority (FINRA), and National Futures Association (NFA).

To maintain its standing as an FHC, Truist and its affiliated IDI must be well-capitalized and well managed, and Truist Bank must have at least a satisfactory CRA (Community Reinvestment Act of 1977) rating.

As a Category III banking organization, the company is required to submit to the FRB and FDIC a resolution plan every three years with submissions alternating between a full resolution plan and a targeted resolution plan (a ‘165(d) Resolution Plan’).

In addition, Truist Bank, as an IDI, is required by FDIC regulation to file a separate bank level resolution plan every three years (an ‘IDI Resolution Plan’). Truist Bank submitted its inaugural IDI Resolution Plan to the FDIC in November 2022.

The CFPB examines the company and Truist Bank for compliance with a broad range of federal consumer financial laws and regulations, including the laws and regulations that relate to deposit products, credit card, mortgage, automobile, student, and other consumer loans, and other consumer financial products and services offered. The federal consumer financial protection laws that are subject to the CFPB’s supervision and enforcement powers include, among others, the Truth in Lending Act, Truth in Savings Act, Home Mortgage Disclosure Act, Fair Credit Reporting Act, Electronic Funds Transfer Act, Real Estate Settlement Procedures Act, Fair Debt Collection Practices Act, and Equal Credit Opportunity Act.

In October 2024, the CFPB finalized a rule under the Dodd-Frank Act, which requires certain entities, including Truist and Truist Bank, to, among other things, make available to a consumer, upon request, information in its control or possession concerning the consumer financial product or service that the consumer obtained from that entity.

Truist’s nonbank subsidiaries are also subject to rules and regulations issued by the Federal Trade Commission, which regulates unfair or deceptive acts or practices, including with respect to data privacy, data protection, and cybersecurity.

The CRA requires the FDIC to assess the bank’s record in meeting the credit needs of the communities served by the bank, including low- and moderate-income neighborhoods and persons.

The company’s broker-dealer and investment adviser subsidiaries are subject to regulation by the SEC. The company is subject to certain enhanced deposit insurance recordkeeping requirements adopted by the FDIC. The company is subject to examinations by federal and state banking regulators, as well as the SEC, CFTC, FINRA, NFA, various taxing authorities, and various state securities regulators.

History

The company was founded in 1872. It was incorporated in 1968. The company was formerly known as BB&T Corporation and changed its name to Truist Financial Corporation in 2019.

Truist Financial Questions and Answers

Which sectors generate sales and which are the top 3 markets?

**banking and financial services:** approx. 70% **insurance services:** approx. 20% **asset management:** approx. 10% **top 3 markets:** 1. **usa:** approx. 85% 2. **canada:** approx. 8% 3. **europe:** approx. 7% truist financial corporation generates the majority of its revenue from...

At which locations are the company’s products manufactured?

**location of main activities:** usa truist financial corporation is a financial services company and does not produce physical products. the company offers banking services, insurance, asset management, and other financial services. the main activities and services are provided in the usa, with a...

What strategy does Truist Financial pursue for future growth?

**strategic focus:** digitalization and customer experience **mergers and acquisitions:** targeted acquisitions in the fintech sector **sustainability:** investments in esg initiatives truist financial corporation is strongly focusing on digitalizing its services to enhance and streamline the cus...

Which raw materials are imported and from which countries?

**main imported raw materials/materials:** not relevant **countries of origin:** not relevant truist financial corporation is a financial services company and not a production or manufacturing firm. therefore, the company does not import physical raw materials or materials. instead, truist focuses...

How strong is the company’s competitive advantage?

**market share in the banking sector:** 4.5% (estimated 2025) **return on equity (roe):** 9.8% (2024) **cost-to-income ratio:** 58% (2024) truist financial corporation has a moderate competitive advantage in the banking sector. the market share of about 4.5% indicates that the company has a s...

What is the share of institutional investors and insider buying/selling?

**institutional investor share:** approx. 70% (estimated 2025) **insider purchases/sales:** no significant transactions in the last quarter (2025) the institutional investor share in truist financial corporation is around 70%. this demonstrates the confidence of large institutional investors in t...

What percentage market share does Truist Financial have?

**market share of truist financial corporation:** estimate 3% (2025) **top competitors and their market shares:** 1. jpmorgan chase & co.: 11% 2. bank of america: 9% 3. wells fargo & co.: 8% 4. citigroup inc.: 7% 5. u.s. bancorp: 4% 6. truist financial corporation: 3% 7. pnc financial servi...

Is Truist Financial stock currently a good investment?

**revenue growth:** 3.5% (2024) **profit growth:** 4.2% (2024) **return on equity:** 9.8% (2024) **credit portfolio quality:** stable, with a decrease in non-performing loans by 0.5% (2024) truist financial corporation recorded a moderate revenue growth of 3.5% in 2024, indicating stable demand for...

Does Truist Financial pay a dividend – and how reliable is the payout?

**dividend yield:** 4.5% (estimated for 2025) **dividend history:** continuous payout over the last 5 years truist financial corporation has been paying a consistent dividend in recent years, indicating a reliable dividend policy. the estimated dividend yield of 4.5% in 2025 shows that the compan...

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Truist Financial Stock Value

Truist Financial Company Info

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

Top growth stocks in the financials sector (5Y.)

What does Truist Financial do?

Truist Financial Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal

New support ticket

Explore

Truist Financial Stock Value

Truist Financial Company Info

Analyst Price Target The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

Top growth stocks in the financials sector (5Y.)

What does Truist Financial do?

Truist Financial Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.