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Truist Financial TFC

US equityMarket cap rank #287Banks - Regional
$46.95
−$0.05 (-0.11%)
Market open · Sep 24, 1:10 pm ET
After hours $47.00 0.00%
Open$47.20
Prev close$47.00
Day range$46.62 – $47.23
Volume2.14M
Market cap$57.36B
P/E (TTM)10.8
Dividend yield4.43%

Fundamentals

Latest reported quarter: Q2, ended Jun 2026

Revenue$5.27B+5.6% YoY
Net profit$1.55B+25.2% YoY
Diluted EPS$1.23+36.7% YoY
Free cash flow$1.04B+13.7% YoY
Operating cash flow$1.04B

Revenue, last 8 quarters

$5.1BSep '24$5.1BDec '24$4.9BMar '25$5.0BJun '25$5.2BSep '25$5.2BDec '25$5.2BMar '26$5.3BJun '26

Net profit, last 8 quarters

$1.4BSep '24$1.3BDec '24$1.3BMar '25$1.2BJun '25$1.5BSep '25$1.4BDec '25$1.5BMar '26$1.6BJun '26

Diluted EPS by quarter

0.99Sep '240.91Dec '240.87Mar '250.90Jun '251.04Sep '251.00Dec '251.09Mar '261.23Jun '26

Free cash flow by quarter

$1.5BSep '24$775.0MDec '24$746.0MMar '25$914.0MJun '25$1.5BSep '25$2.6BDec '25$679.0MMar '26$1.0BJun '26

Annual revenue

$22.7BFY20$22.3BFY21$20.0BFY22$20.0BFY23$13.3BFY24$20.3BFY25

Profitability & balance sheet

Net margin26.5%
Return on equity9.4%
Return on assets1.0%
Liabilities / assets88.5%
Cash & investments$39.29B
Total debt$69.86B
Net cash (debt)-$30.57B
Free cash flow / sales27.8%

Where the revenue comes from

Quarter 2026/Q2

By business line

  • Consumer and Small Business Banking (CSBB)$3.13B 53.8%
  • Wholesale Banking (WB)$2.69B 46.2%

Income statement

Line item 2026 Q2 2026 Q1 2025 ANNUAL 2025 Q4 2025 Q3
Total Operating Revenue $5.27B $5.15B $20.32B $5.25B $5.19B
Net Interest Income $3.62B $3.60B $14.42B $3.70B $3.63B
-Interest Income $5.97B $5.86B $24.54B $6.11B $6.29B
-Interest Expense $2.35B $2.26B $10.12B $2.41B $2.66B
Non-Interest Income $1.64B $1.55B $5.90B $1.55B $1.56B
-Fees and Commissions $964.00M $959.00M $3.64B $568.00M $1.06B
-Investment Banking Profit $352.00M $372.00M $1.14B $335.00M $323.00M
-Other Non-Interest Income $328.00M $222.00M $1.14B $643.00M $175.00M
-Gain Loss on Sale of Assets $0.00 $0.00 -$19.00M $0.00 $0.00
Credit Losses Provision -$395.00M -$479.00M -$1.89B -$512.00M -$436.00M
Non-Interest Expense $3.06B $2.98B $11.79B $2.98B $2.99B
Occupancy and Equipment $250.00M $264.00M $1.06B $276.00M $272.00M
Professional Expense and Contract Services Expense $335.00M $313.00M $1.42B $337.00M $346.00M
Selling and Admin Expenses $1.88B $1.81B $7.15B $1.95B $1.81B
-Selling & Marketing Expense $91.00M $79.00M $299.00M $63.00M $79.00M
-General & Admin Expense $1.79B $1.73B $6.85B $1.88B $1.73B
Depreciation & Amortization & Depletion $63.00M $64.00M $290.00M -$29.00M $103.00M
-Depreciation & Amortization $63.00M $64.00M $290.00M -$29.00M $103.00M
Other Non-Interest Expenses $524.00M $536.00M $1.87B $448.00M $461.00M
Pretax Profit $1.82B $1.69B $6.35B $1.56B $1.74B
Tax $262.00M $209.00M $1.04B $210.00M $285.00M
Net Profit $1.55B $1.48B $5.31B $1.35B $1.45B
Profit from Continuing Operations $1.55B $1.48B $5.31B $1.35B $1.45B
Net Income to Parent Company $1.55B $1.48B $5.31B $1.35B $1.45B
Preferred Stock Dividends $34.00M $104.00M $333.00M $65.00M $104.00M
Net Income to Common Stockholders $1.52B $1.38B $4.97B $1.29B $1.35B
Basic EPS $1.24 $1.10 $3.87 $1.02 $1.05
Diluted EPS $1.23 $1.09 $3.82 $1.00 $1.04
Dividend Per Share $0.52 $0.52 $2.08 $0.52 $0.52
Other Income (Expense) -$286.00M -$193.00M -$27.00M
Special Income (Charges) -$286.00M -$193.00M -$27.00M
-Less:Restructuring and Mergern & Acquisition $156.00M $63.00M $27.00M
-Less:Impairment of Capital Assets $0.00
-Less:Other Special Charges $130.00M
Net Income from Discontinuous Operations $0.00 $0.00 $0.00
Minority Interests $0.00 $0.00 $0.00

Balance sheet

Line item 2026 Q2 2026 Q1 2025 ANNUAL 2025 Q4 2025 Q3
Total Assets $556.02B $548.98B $547.54B $547.54B $543.85B
Cash, Cash Equivalents & Federal Funds Sold $43.72B $40.24B $39.58B $39.58B $39.83B
-Cash and Cash Equivalents $39.29B $36.20B $36.38B $36.38B $36.85B
-Money Market Investments $4.43B $4.05B $3.20B $3.20B $2.98B
Securities Investment $117.36B $114.98B $115.85B $115.85B $117.21B
-Trading Securities $3.36B $3.11B $3.62B $3.62B $3.67B
-Available for Sale Securities $63.01B $60.69B $60.28B $60.28B $61.02B
-Held to Maturity Securities $46.35B $46.44B $47.19B $47.19B $48.02B
-Short Term Investments $4.64B $4.75B $4.76B $4.76B $4.50B
Derivative Assets $1.46B $1.37B $1.34B $1.34B $1.68B
Net Loan $329.22B $328.51B $327.62B $327.62B $322.74B
-Gross Loan $334.20B $333.54B $332.65B $332.65B $327.73B
-Allowance for Loans and Lease Losses $4.98B $5.03B $5.03B $5.03B $4.99B
Receivables $14.44B $14.31B $13.53B $13.53B $13.92B
-Accounts Receivable $1.67B $2.12B $1.62B $1.62B $2.13B
-Other Receivables $12.77B $12.19B $11.91B $11.91B $11.80B
Net PPE $5.22B $5.46B $5.58B $5.58B $5.66B
-Gross PPE $5.22B $5.46B $8.25B $8.25B $5.66B
Goodwill and Other Intangible Assets $22.55B $22.43B $22.35B $22.35B $22.23B
-Goodwill $17.13B $17.13B $17.13B $17.13B $17.13B
-Other Intangible Assets $5.42B $5.30B $5.23B $5.23B $5.10B
Prepaid Assets $1.18B $1.08B $1.08B $1.08B $1.06B
Bank-Owned Life Insurance $8.63B $8.57B $8.52B $8.52B $7.87B
Federal Home Loan Bank Stock $1.34B $1.45B $1.52B $1.52B $1.40B
Defined Pension Benefit $8.09B $8.01B $7.92B $7.92B $7.41B
Deferred Assets $1.79B $1.42B $1.51B $1.51B $1.64B
Other Assets $1.04B $1.16B $1.15B $1.15B $1.19B
Total Liabilities $491.93B $484.76B $482.35B $482.35B $478.21B
Total Deposits $409.38B $404.08B $400.40B $400.40B $394.91B
Short-Term Debt and Capital Lease Obligation $26.89B $27.44B $22.34B $22.34B $29.38B
-Current Debt $26.89B $27.44B $22.34B $22.34B $29.38B
Long Term Debt and Capital Lease Obligation $42.98B $41.62B $41.96B $41.96B $41.73B
-Long Term Debt $42.98B $41.62B $41.96B $41.96B $41.73B
Other Liabilities $12.69B $11.62B $12.15B $12.15B $12.19B
Total Equity $64.10B $64.21B $65.19B $65.19B $65.65B
Stockholders' Equity $64.10B $64.21B $65.19B $65.19B $65.65B
Capital Stock $11.52B $11.15B $11.23B $11.23B $12.30B
-Common Stock $6.11B $6.23B $6.31B $6.31B $6.40B
-Preferred Stock $5.41B $4.92B $4.92B $4.92B $5.91B
Additional Paid-In Capital $31.62B $32.61B $33.66B $33.66B $34.28B
Retained Earnings $27.68B $26.80B $26.07B $26.07B $25.44B
Gains/Losses Not Affecting Retained Earnings -$6.72B -$6.34B -$5.77B -$5.77B -$6.37B
-Accumulated Depreciation -$2.67B -$2.67B
Federal Funds Purchased and Securities Sold Under Agreement to Repurchase $3.10B $3.10B
Derivative Product Liabilities $2.19B $2.19B
Trading Liabilities $209.00M $209.00M
Minority Interests $0.00 $0.00

Cash flow

Line item 2026 Q2 2026 Q1 2025 ANNUAL 2025 Q4 2025 Q3
Operating Cash Flow $1.04B $679.00M $5.74B $2.58B $1.50B
Net cash flow from continuing operations $1.04B $679.00M $5.74B $2.58B $1.50B
Net Income from Continuing Operations $1.55B $1.48B $5.31B $1.35B $1.45B
Gain/Loss from Continuing Operations -$402.00M -$203.00M $19.00M $0.00 -$20.00M
Depreciation & Depletion & Amortization $191.00M $193.00M $837.00M $203.00M $202.00M
Other Non-Cash Items -$507.00M -$388.00M $532.00M $245.00M -$41.00M
Change in Working Capital -$191.00M -$883.00M -$2.85B $268.00M -$532.00M
-Change in Loans -$299.00M -$277.00M -$389.00M $189.00M -$706.00M
-Change in Other Current Assets -$84.00M -$85.00M -$949.00M -$780.00M -$24.00M
-Change in Other Working Capital $192.00M -$521.00M -$1.51B $859.00M $198.00M
Net cash flow from investing -$2.87B -$1.94B -$17.76B -$4.79B -$3.64B
Net Cash Flow from Continuing Investing Activities -$2.87B -$1.94B -$17.76B -$4.79B -$3.64B
Net Investment Purchase and Sale -$1.49B $94.00M $8.45B $1.72B $2.61B
Net Income from Loans -$1.02B -$1.18B -$24.06B -$5.48B -$5.40B
Net Other Investing Changes $15.00M -$1.00M -$1.51B -$811.00M -$513.00M
Financing Cash Flow $4.92B $1.08B $8.63B $1.74B -$2.46B
Net Cash Flow from Continuing Financing Activities $4.92B $1.08B $8.63B $1.74B -$2.46B
Increase/Decrease in Deposit $5.30B $3.68B $9.87B $5.49B -$11.22B
Net Issuance Payments of Debt $1.04B -$648.00M $5.33B -$1.28B $10.01B
Net Common Stock Issuance -$1.20B -$1.13B -$2.50B -$750.00M -$500.00M
Cash Dividends Paid -$670.00M -$749.00M -$3.00B -$714.00M -$769.00M
Net Other Financing Activities -$38.00M -$74.00M -$71.00M -$13.00M $18.00M
Ending Cash Balance $39.29B $36.20B $36.38B $36.38B $36.85B
Net Change in Cash $3.09B -$180.00M -$3.39B -$475.00M -$4.60B
Beginning Cash Balance $36.20B $36.38B $39.77B $36.85B $41.45B
Free Cash Flow $1.04B $679.00M $5.74B $2.58B $1.50B
Net Business Purchase and Sale $0.00 $0.00 $0.00
Net Preferred Stock Issuance -$1.00B
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