Truist Financial Corporation (TFC) carries a Roarable Rating of C- (Hold) with 60/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.
As of 2026-11-03, Truist Financial Corporation (NYSE: TFC) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 60/100 at a spot price of $48.79 (-1.07% 1D, market cap $58.47B). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 12/20, SEC Balance-Sheet Forensics 15/20, FRED Macro Regime Fit 7/20, and Executive Insider Alignment 13/20. Across 1097 tracked Financials issuers, TFC ranks #377 in composite RQD confidence.
Within the Financials sector (Major Banks), TFC carries a Roarable C- (60/100 RQD), trailing P/E of 32.8x, gross margin of —, and ROIC of 0.9%. By comparison, DB (Deutsche Bank AG) holds a D+ grade (52/100 RQD, P/E 32.8x, ROIC 9.9%, cap $63.38B) and FITB (Fifth Third Bancorp) posts a B- grade (71/100 RQD, P/E 19.6x, ROIC 3.2%, cap $48.85B). Among the 5-stock peer group, STT leads on earnings multiple (16.1x) while DB leads on capital efficiency (9.9% ROIC).
Per TFC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000092230), Truist Financial Corporation generated $229.97B in revenue (+3.1% YoY), $0 in net income, and $5.74B in free cash flow against $547.54B in total assets and $217.06B in total debt. Key quantitative strengths: Clean SEC annual filing review with no major hidden accounting time-bombs. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 7/9
SEC XBRL FY 2025 (10-K): 2.5% FCF Margin ($5.74B FCF) & 0% Gross Margin
Macro rate sensitivity & RSI-14 (55.3) create a -13 pt regime headwind
Even with a 60/100 (C-) score, TFC faces multiple-compression risk if 32.8x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.
Sensitive to high interest rates and tighter Federal Reserve market liquidity.
Dilution & Margin Drag: Cannibal Buyback (-1.52% YoY Shares) — any gross margin slip below 15.0% triggers an automatic RQD downgrade.
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($48.31) or 200D SMA ($49.49) invalidates the momentum regime and cuts Target Base ($49.23) toward Bear Floor ($38.40).
Truist Financial Corporation (TFC) slipped -1.07% to $48.79, trading at 43% of its 52-week range ($43.13 – $56.2). Solid steady margins (1% return on capital), mixed timing at 33x P/E—hold if owned, no rush to chase.
Yahoo! Finance Canada report covering Truist Financial Corporation (TFC) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Truist Financial Corporation (TFC) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering Truist Financial Corporation (TFC) market action, institutional positioning, and fundamental catalysts.
PR Newswire report covering Truist Financial Corporation (TFC) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering Truist Financial Corporation (TFC) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Truist Financial Corporation (TFC) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering Truist Financial Corporation (TFC) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Truist Financial Corporation (TFC) market action, institutional positioning, and fundamental catalysts.
Price targets for Gilead Sciences have shifted higher, with the updated fair value estimate moving from US$158.65 to US$165.31. Recent Street research describes a tilt toward higher targets, as analysts weigh Q3 executio
There is a lot of rubble out there right now in the land of tech stocks.
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +3.1% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on TFC today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for TFC. Explore sector supply chains on /butterfly.
Across 1097 tracked Financials securities in the Roarable RQD universe, Truist Financial Corporation (TFC) ranks #377 by composite RQD confidence (60/100, grade C-) and #63 by equity capitalization ($58.47B). Within this direct 5-issuer industry benchmark cohort, STT leads on earnings valuation at 16.1x trailing P/E, while DB leads on capital efficiency and profitability with 9.9% ROIC and — gross margin. FITB currently holds the highest overall quantitative score in the immediate peer group at 71/100 (B-) compared with TFC at 60/100 (C-).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| TFC
ACTIVE
Truist Financial Corporation | C- | 60/100 | 32.8x | — | 0.9% | -1.07% | $58.47B | Benchmark Subject |
| DB Deutsche Bank AG | D+ | 52/100 | 32.8x | — | 9.9% | -3.50% | $63.38B | /db-vs-tfc → |
| FITB Fifth Third Bancorp | B- | 71/100 | 19.6x | — | 3.2% | -1.05% | $48.85B | /fitb-vs-tfc → |
| STT State Street Corporation | C | 65/100 | 16.1x | — | 2.3% | -2.29% | $46.19B | /stt-vs-tfc → |
| ITUB Itau Unibanco Banco Holding SA American | D | 51/100 | 32.8x | — | 9.9% | -3.26% | $81.27B | /itub-vs-tfc → |
In its most recent audited fiscal period (FY2025, filed 2025-12-31), Truist Financial Corporation (TFC) reported GAAP revenue of $229.97B (+3.1% vs. FY2024 revenue of $223.09B ) , GAAP net income of $0, operating cash flow of $5.74B, and free cash flow of $5.74B (+165.2% YoY). On the balance sheet, TFC closed FY2025 with $547.54B in total assets against $217.06B in total debt (Altman Z-Score: N/A, Piotroski F-Score: 7/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $229.97B | $0 | $5.74B | $5.74B | $547.54B | $217.06B |
| FY2024 (FY) | 2024-12-31 | $223.09B | $0 | $2.16B | $2.16B | $531.18B | $210.37B |
As of 2026-11-03, Truist Financial Corporation (NYSE: TFC) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 60/100 at a spot price of $48.79 (-1.07% 1D, market cap $58.47B). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 12/20, SEC Balance-Sheet Forensics 15/20, FRED Macro Regime Fit 7/20, and Executive Insider Alignment 13/20. Across 1097 tracked Financials issuers, TFC ranks #377 in composite RQD confidence.
Within the Financials sector (Major Banks), TFC carries a Roarable C- (60/100 RQD), trailing P/E of 32.8x, gross margin of —, and ROIC of 0.9%. By comparison, DB (Deutsche Bank AG) holds a D+ grade (52/100 RQD, P/E 32.8x, ROIC 9.9%, cap $63.38B) and FITB (Fifth Third Bancorp) posts a B- grade (71/100 RQD, P/E 19.6x, ROIC 3.2%, cap $48.85B). Among the 5-stock peer group, STT leads on earnings multiple (16.1x) while DB leads on capital efficiency (9.9% ROIC).
Per TFC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000092230), Truist Financial Corporation generated $229.97B in revenue (+3.1% YoY), $0 in net income, and $5.74B in free cash flow against $547.54B in total assets and $217.06B in total debt. Key quantitative strengths: Clean SEC annual filing review with no major hidden accounting time-bombs. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.
TFC last traded at $48.79 (-1.07% on volume of 7,771,378 shares), positioning the stock +0.99% above its 50-day simple moving average ($48.31) and -1.41% below its 200-day simple moving average ($49.49). Across its 52-week range of $43.13 to $56.20, TFC sits at the 43.3% percentile with a 14-day RSI of 55.3 (BULLISH MOMENTUM) and an implied next-earnings move of ±3.9% ($46.89 to $50.69).
Truist Financial Corporation (TFC) earns a live Roarable RQD composite score of 60/100, corresponding to a C- letter grade (Roarable Hold) at a spot price of $48.79 (-1.07% 1D, market capitalization $58.47B).
. Operating margin is listed at 13.9% and net margin at 10.9% but gross margin is listed as 0%, which the source does not explain.
In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Truist Financial Corporation (TFC) reported $229.97B in annual revenue (up from $223.09B in FY2024, +3.1% YoY) and $0 in GAAP net income. Over the multi-year SEC filing window from FY2024 ($223.09B revenue, $0 net income) through FY2025, TFC scaled operating cash flow to $5.74B and free cash flow to $5.74B, backed by $547.54B in total assets against $217.06B in total debt.
The source does not establish upstream or downstream dependencies, sector correlations, or second-order bottlenecks for TFC. The only sector-level context available is the classification Financials / Major Banks and the Beta of 1.15 per the market data. A prospective investor should note that the source provides no graph-based evidence of how TFC's results ripple to adjacent companies.
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Yahoo! Finance Canada report covering Truist Financial Corporation (TFC) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Truist Financial Corporation (TFC) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering Truist Financial Corporation (TFC) market action, institutional positioning, and fundamental catalysts.
PR Newswire report covering Truist Financial Corporation (TFC) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering Truist Financial Corporation (TFC) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Truist Financial Corporation (TFC) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering Truist Financial Corporation (TFC) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Truist Financial Corporation (TFC) market action, institutional positioning, and fundamental catalysts.
Don't sleep on TFC's setup in Financials. Forensic balance sheet pillar scores 15/20 with Piotroski F of 7/9 and Debt/Equity of 0.5, and FCF rose from $2.16B to $5.74B.. Beta of 1.15 means it moves fast when momentum turns, and the 5-pillar RQD gauge (60/100) backs up the fundamental quality.
@ShortSeller_Dan Fair point on 32.8x trailing P/E, but you're ignoring the forward operating leverage in Major Banks. If gross margin (0.0%) holds, EPS grows into the multiple faster than bears think.
Sitting on the sidelines or leaning short TFC above $48.79. Macro regime fit scores only 7/20 with Beta of 1.15, and trailing EV/EBITDA of 66.7 sits far above forward P/E of 27.6.. Until Fundamental Cash Engine (13/20) and FCF yield (8.45%) inflect higher, upside is capped near $56.20.
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