Truist Financial (TFC)
NYSEFinancialsBanks - RegionalSnapshot 2026-11-04
$50.87+2.95%
Close 2026-11-04 · 1-day change
NYSEFinancialsBanks - RegionalSnapshot 2026-11-04
QuarterlyIQ Insights · TFC
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance sits well below its industry cohort — worth keeping an eye on, though it has not freshly broken.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -3.8% |
| Our one-year growth estimate | diamond | -9.4% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-11-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 5.6 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-04 · Compared with 230 industry peers
TFC — earnings miss
Dated 2026-10-16
Results of Operations and Financial Condition. On October 16, 2026, Truist Financial Corporation (“Truist”) issued a press release announcing its reporting of third quarter 2026 results and posted on its website its third quarter 2026 Earnings Release, Quarterly Performance Summary, and Earnings Release Presentation. The materials contain forward-looking statements regarding Truist and include cautionary language identifying important factors that could cause actual results to differ material…
Why it matters: Adjusted revenue was $5.3 billion in Q2. Growth would test management's plan to focus on its best businesses.
Supportive ifIn the January 20, 2027 results, adjusted revenue tops $5.3 billion. Loan balances rise from Q3's $323.9 billion.
Worry ifAdjusted revenue is at or below $5.3 billion, with no growth in loans from Q3's $323.9 billion.
Why it matters: Truist set a long-term ROTCE goal of 16% to 18%. Q3 adjusted ROTCE was 14.6%, below that range.
Supportive ifThe Q4 release reports adjusted ROTCE of at least 16%.
Worry ifThe Q4 release reports adjusted ROTCE below 14.6%, down from Q3, or cuts the 16% to 18% goal.
Why it matters: Truist signed a deal to sell $7.7 billion of unsecured consumer loans. A close would confirm the planned exit from most of LightStream.
Supportive ifTruist confirms the sale to Carlyle closed and reports the transfer of the $7.7 billion loan book.
Worry ifTruist says the sale did not close, was delayed, or changed in a material way by January 20, 2027.
Why it matters: The Q3 charge-off rate rose to 0.77%, including 0.39% tied to the RAC sale. A rate above 0.77% would point to more credit losses.
Worry ifThe Q4 net charge-off rate is above 0.77%, excluding any new loan-sale effect if Truist reports one.
Less concerning ifThe Q4 net charge-off rate is below 0.77%, and the release does not tie the drop only to another loan sale.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$86 on $10,000 · ±0.9% | How much price usually moves either way. |
| Bad day | $250 loss on $10,000 · 2.5% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $2,068 loss on $10,000 · 20.7% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: Adjusted costs rose 1.7% from a year earlier in Q3. More cost growth would make it harder to improve returns.
Worry ifQ4 adjusted noninterest expense tops $3.1 billion, up from $3.065 billion in Q3.
Less concerning ifQ4 adjusted noninterest expense is $3.065 billion or less. It excludes sale costs.