Expectations trend
FY2027 · fiscal year ending 2027-12-31 · fmp
Truist Financial (TFC)
NYSEFinancialsBanks - RegionalSnapshot 2026-11-04
$50.87+2.95%
Close 2026-11-04 · 1-day change
NYSEFinancialsBanks - RegionalSnapshot 2026-11-04
The long-term thesis, the evidence coming in, and the environment around it. Thesis dated Jul 8, 2026.
Next-FY EPS estimate change · 30 days
5.02 → 4.89 EPS · FY ending Dec 31, 2027 · 14 analysts
One observable signal. This measures changing earnings expectations, not the probability of a gain or loss.
Change in the same fiscal period’s mean EPS estimate from Oct 5, 2026 to Nov 4, 2026: (new ÷ prior − 1). Contributor count changed from 15 to 14; this is not the number of analysts revising. The ±10% axis is a display range.
The EPS and P/E reference is not available for TFC yet.
| Measure / period | Management expectations | Analyst expectations |
|---|
Management figures unavailable.
Current consensus figures unavailable.
Three published thesis conditions, with dated milestones shown separately.
| Key Factor | Why It Matters | Current Status | Break Condition | Latest Evidence |
|---|---|---|---|---|
Return capital to shareholders via buybacks and dividends | A primary condition in Truist Financial's published investment case. The stated target is Repurchase at least $1.1 billion common shares per quarter. | Intact | Quarterly share repurchases fall below $1 billion | Required source inputs unavailable Cannot calculate Share repurchases from the available matching source inputs. Missing inputs are not treated as zero. Date unavailableLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Compare these dated observations with the operating requirements above
FY2027 · fiscal year ending 2027-12-31 · fmp
The evidence, the remaining questions, and what comes next
No recovery evidence is reported in the available driver assessments.
Jan 20, 2027
Look for updated results and guidance against the published targets, plus direct evidence for unresolved drivers.
Observed price history; separate from operating scenarios
The weekly editorial context below is a separate assessment from the dated monitor evidence above. Recovery observations do not automatically change the published thesis. Unverified outside influences are hypotheses, not measured driver evidence.
This is a financial-sector recovery and execution story, not a clear durable-growth case today. The long-term thesis is on watch: recent performance is well below its industry cohort, but the evidence says it has not freshly broken.
The valuation evidence points to TFC being cheap versus peers, with a small expectations gap and a justified pricing tag. That suggests the market is not assuming a large improvement, though the snapshot gives no precise earnings expectations to clarify what is already reflected.
Near term, results and execution look weak: TFC recently missed earnings, and the latest reported revenue was affected by loan-sale and securities-repositioning effects. Growth initiatives remain behind, while capital returns are on track; asset-quality signals are mixed, with lower nonperforming loans but a higher net charge-off ratio, partly shaped by the loan sale.
The multi-year view depends on whether TFC can deliver more substantive growth and maintain disciplined risk management. Near term, another guidance cut or rate cuts would weigh on the setup, while continued earnings strength and higher guidance from sector peers could support sector momentum.
Over the next 1 to 3 years, TFC’s cheap-versus-peer valuation is balanced by weak recent performance, limited growth delivery, and mixed credit signals. The long-term thesis remains on watch and hinges on better execution and steadier fundamentals. Not investment advice.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Stated in 3 of 8 supplied quarters. Management reported: “Average noninterest-bearing deposits increased 0.2% compared to the first quarter of 2026 and represented 25.6% of total deposits for the second quarter of 2026 and 25.9% for the first quarter of 2026.” “Average interest checking deposits increased 6.9%.”
Effective execution of growth initiatives under new CEO | The new CEO supports growth initiatives. | Improving | Revenue declines further or growth initiatives show no progress after CEO transition | Direct metric needs a verified mapping The published measure or accounting basis is not supported by an exact source binding. Date unavailableLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Revenue growth near consensus | A primary condition in Truist Financial's published investment case. The stated target is >= -6% YoY revenue growth. | Intact | YoY revenue growth falls below -6% in FY26 | Revenue growth: -4.07% FY2026-Q3; GAAP. Published target: >= -6% YoY revenue growth. Annual target cannot be compared with a quarterly or TTM observation. Oct 28, 2026-4.072542 percent · calculatedLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Stored thesis · Jul 8, 2026. Latest Evidence uses source-matched measurements where available, alongside the last thesis-monitor assessment. Source periods and assessment dates are shown separately. A new measurement does not automatically change the published status or verify an older target.
$5.03 → $4.89 · observed estimates
$21.95B → $21.37B · observed estimates
One fiscal period and provider throughout. At least five contributors are required for each plotted metric; missing coverage stays a gap. Axes show the observed range. Counts measure coverage, not revisions.
| Snapshot | EPS | Revenue | EPS / revenue analysts |
|---|---|---|---|
| 2026-07-24 | $5.03 | $21,950,508,140 | 14 / 9 |
| 2026-07-25 | $5.03 | $21,950,508,140 | 14 / 9 |
| 2026-07-26 | $5.03 | $21,950,508,140 | 14 / 9 |
| 2026-07-27 | $5.00 | $22,012,351,110 | 18 / 11 |
| 2026-07-28 | $5.03 | $21,950,508,140 | 14 / 9 |
| 2026-07-29 | $5.03 | $21,950,508,140 | 14 / 9 |
| 2026-07-30 | $4.99 | $22,012,351,110 | 18 / 11 |
| 2026-07-31 | $5.03 | $21,950,517,557 | 14 / 9 |
| 2026-08-01 | $5.03 | $21,950,517,557 | 14 / 9 |
| 2026-08-02 | $4.99 | $22,012,351,110 | 18 / 11 |
| 2026-08-03 | $4.99 | $22,012,351,110 | 18 / 11 |
| 2026-08-04 | $4.99 | $22,012,351,110 | 18 / 11 |
| 2026-08-05 | $5.03 | $21,950,517,557 | 14 / 9 |
| 2026-08-06 | $5.03 | $21,950,517,557 | 14 / 9 |
| 2026-08-08 | $4.99 | $22,007,603,930 | 18 / 11 |
| 2026-08-09 | $5.03 | $21,950,517,557 | 14 / 9 |
| 2026-08-10 | $4.99 | $22,007,603,930 | 18 / 11 |
| 2026-08-12 | $4.98 | $21,988,479,340 | 18 / 11 |
| 2026-08-13 | $5.03 | $21,950,517,557 | 14 / 9 |
| 2026-08-14 | $5.03 | $21,950,517,557 | 14 / 9 |
| 2026-08-15 | $5.03 | $21,950,517,557 | 14 / 9 |
| 2026-08-16 | $5.03 | $21,950,517,557 | 14 / 9 |
| 2026-08-17 | $5.03 | $21,950,517,557 | 14 / 9 |
| 2026-08-18 | $5.03 | $21,950,517,557 | 14 / 9 |
| 2026-08-19 | $5.03 | $21,950,517,557 | 14 / 9 |
| 2026-08-20 | $5.02 | $21,926,642,345 | 14 / 9 |
| 2026-08-21 | $5.02 | $21,926,642,345 | 14 / 9 |
| 2026-08-22 | $5.02 | $21,926,642,345 | 14 / 9 |
| 2026-08-23 | $5.02 | $21,926,642,345 | 14 / 9 |
| 2026-08-24 | $5.02 | $21,926,642,345 | 14 / 9 |
| 2026-08-25 | $5.02 | $21,926,642,345 | 14 / 9 |
| 2026-08-26 | $5.02 | $21,926,642,345 | 14 / 9 |
| 2026-08-27 | $5.02 | $21,926,642,345 | 14 / 9 |
| 2026-08-28 | $5.02 | $21,926,642,345 | 14 / 9 |
| 2026-08-29 | $5.02 | $21,926,642,345 | 14 / 9 |
| 2026-08-30 | $5.02 | $21,926,642,345 | 14 / 9 |
| 2026-08-31 | $5.02 | $21,926,642,345 | 14 / 9 |
| 2026-09-01 | $5.02 | $21,926,460,527 | 14 / 9 |
| 2026-09-02 | $5.02 | $21,926,460,527 | 14 / 9 |
| 2026-09-03 | $5.02 | $21,926,460,527 | 14 / 9 |
| 2026-09-04 | $5.02 | $21,926,460,527 | 14 / 9 |
| 2026-09-05 | $5.02 | $21,926,460,527 | 14 / 9 |
| 2026-09-06 | $5.02 | $21,926,460,527 | 14 / 9 |
| 2026-09-07 | $5.02 | $21,926,460,527 | 14 / 9 |
| 2026-09-08 | $5.02 | $21,926,460,527 | 14 / 9 |
| 2026-09-09 | $5.01 | $21,901,899,903 | 14 / 9 |
| 2026-09-10 | $5.00 | $21,911,259,003 | 14 / 9 |
| 2026-09-11 | $5.00 | $21,911,259,003 | 14 / 9 |
| 2026-09-12 | $5.00 | $21,911,259,003 | 15 / 9 |
| 2026-09-13 | $5.00 | $21,911,259,003 | 15 / 9 |
| 2026-09-14 | $5.00 | $21,911,259,003 | 15 / 9 |
| 2026-09-15 | $5.00 | $21,911,259,003 | 15 / 9 |
| 2026-09-16 | $5.00 | $21,911,259,003 | 15 / 9 |
| 2026-09-17 | $5.00 | $21,911,259,003 | 15 / 9 |
| 2026-09-18 | $5.00 | $21,911,259,003 | 15 / 9 |
| 2026-09-19 | $5.00 | $21,911,259,003 | 15 / 9 |
| 2026-09-20 | $5.00 | $21,911,259,003 | 15 / 9 |
| 2026-09-21 | $5.00 | $21,911,259,003 | 15 / 9 |
| 2026-09-22 | $5.00 | $21,911,259,003 | 15 / 9 |
| 2026-09-23 | $5.00 | $21,911,259,003 | 15 / 9 |
| 2026-09-24 | $5.00 | $21,911,259,003 | 15 / 9 |
| 2026-09-25 | $5.01 | $21,849,306,503 | 15 / 10 |
| 2026-09-26 | $5.01 | $21,849,306,503 | 15 / 10 |
| 2026-09-27 | $5.01 | $21,815,661,059 | 15 / 10 |
| 2026-09-28 | $5.01 | $21,815,661,059 | 15 / 10 |
| 2026-09-29 | $5.01 | $21,813,911,059 | 15 / 10 |
| 2026-09-30 | $5.01 | $21,813,911,059 | 15 / 10 |
| 2026-10-01 | $5.02 | $21,805,639,493 | 15 / 10 |
| 2026-10-02 | $5.02 | $21,805,639,493 | 15 / 10 |
| 2026-10-03 | $5.02 | $21,805,639,493 | 15 / 9 |
| 2026-10-04 | $5.02 | $21,748,073,362 | 15 / 9 |
| 2026-10-05 | $5.02 | $21,748,073,362 | 15 / 9 |
| 2026-10-06 | $5.02 | $21,719,082,785 | 15 / 9 |
| 2026-10-07 | $5.00 | $21,675,789,147 | 15 / 9 |
| 2026-10-08 | $5.00 | $21,660,518,493 | 15 / 10 |
| 2026-10-09 | $5.00 | $21,660,518,493 | 15 / 10 |
| 2026-10-10 | $5.00 | $21,660,518,493 | 15 / 10 |
| 2026-10-11 | $5.00 | $21,660,518,493 | 16 / 10 |
| 2026-10-12 | $5.00 | $21,660,518,493 | 16 / 10 |
| 2026-10-13 | $5.00 | $21,660,518,493 | 16 / 10 |
| 2026-10-14 | $5.00 | $21,660,518,493 | 16 / 10 |
| 2026-10-15 | $5.00 | $21,610,250,685 | 16 / 10 |
| 2026-10-16 | $5.00 | $21,678,609,932 | 16 / 10 |
| 2026-10-17 | $5.00 | $21,678,609,932 | 16 / 10 |
| 2026-10-18 | $4.98 | $21,562,548,683 | 15 / 10 |
| 2026-10-19 | $4.96 | $21,531,029,592 | 15 / 10 |
| 2026-10-20 | $4.94 | $21,484,268,571 | 15 / 10 |
| 2026-10-21 | $4.93 | $21,450,374,228 | 16 / 10 |
| 2026-10-22 | $4.93 | $21,450,374,228 | 16 / 10 |
| 2026-10-23 | $4.92 | $21,450,374,228 | 15 / 10 |
| 2026-10-24 | $4.92 | $21,450,374,228 | 15 / 10 |
| 2026-10-25 | $4.92 | $21,450,374,228 | 15 / 10 |
| 2026-10-26 | $4.92 | $21,450,374,228 | 15 / 10 |
| 2026-10-27 | $4.92 | $21,450,374,228 | 15 / 10 |
| 2026-10-28 | $4.91 | $21,413,255,478 | 14 / 10 |
| 2026-10-29 | $4.91 | $21,413,255,478 | 14 / 10 |
| 2026-10-30 | $4.91 | $21,413,255,478 | 14 / 10 |
| 2026-10-31 | $4.91 | $21,407,762,032 | 14 / 10 |
| 2026-11-01 | $4.91 | $21,407,762,032 | 14 / 10 |
| 2026-11-02 | $4.91 | $21,407,762,032 | 14 / 10 |
| 2026-11-03 | $4.89 | $21,367,976,787 | 14 / 10 |
| 2026-11-04 | $4.89 | $21,367,976,787 | 14 / 10 |
Revenue and EPS estimates track expectations. They are not delivered results or like-for-like proof of a required annual path.
Latest: 7 Buy / Strong Buy · 12 Hold · 3 Sell / Strong Sell
Recent actions · Oct 6–Nov 4 · 5 recorded
0 raises · 2 cuts · 0 unchanged · 2 without a comparable prior
Oct 6, 2026–Nov 4, 2026. Each firm's latest positive target is paired only with its immediately prior positive target from the same provider, at most 180 days earlier. Unmatched observations have one dot; conflicting observations are not compared.
3 of 3 published conditions remain under pressure or need verification. The next results need to address those conditions.
The dated weekly assessment and its assumptions are available in Read detailed Outlook.