Truist Financial Corporation (TFC) carries a Roarable Rating of C- (Hold) with 61/100 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 2026-11-02, Truist Financial Corporation (NYSE: TFC) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 61/100 at a spot price of $48.79 (-1.07% 1D, market cap $59.11B). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 13/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 7/20, and SEC Balance-Sheet Forensics 13/20. Across 1096 tracked Financials issuers, TFC ranks #393 in composite RQD confidence.
Within the Financials sector (Major Banks), TFC carries a Roarable C- (61/100 RQD), trailing P/E of 32.8x, gross margin of —, and ROIC of 0.9%. By comparison, DB (Deutsche Bank AG) holds a C- grade (59/100 RQD, P/E 32.8x, ROIC 9.9%, cap $65.68B) and FITB (Fifth Third Bancorp) posts a B- grade (71/100 RQD, P/E 19.6x, ROIC 3.2%, cap $49.37B). 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 $0 in revenue, $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): 69.4% FCF Margin ($5.74B FCF) & 0% Gross Margin
Macro rate sensitivity & RSI-14 (60.2) create a -13 pt regime headwind
Even with a 61/100 (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 ($48.34) or 200D SMA ($49.49) invalidates the momentum regime and cuts Target Base ($49.45) toward Bear Floor ($38.57).
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. +13.2% 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 1096 tracked Financials securities in the Roarable RQD universe, Truist Financial Corporation (TFC) ranks #393 by composite RQD confidence (61/100, grade C-) and #61 by equity capitalization ($59.11B). 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 61/100 (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- | 61/100 | 32.8x | — | 0.9% | -1.07% | $59.11B | Benchmark Subject |
| DB Deutsche Bank AG | C- | 59/100 | 32.8x | — | 9.9% | -3.50% | $65.68B | /db-vs-tfc → |
| FITB Fifth Third Bancorp | B- | 71/100 | 19.6x | — | 3.2% | -1.05% | $49.37B | /fitb-vs-tfc → |
| STT State Street Corporation | C+ | 68/100 | 16.1x | — | 2.3% | -2.29% | $47.27B | /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 $0 (N/A vs. FY2024 revenue of $0 ) , 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 | $0 | $0 | $5.74B | $5.74B | $547.54B | $217.06B |
| FY2024 (FY) | 2024-12-31 | $0 | $0 | $2.16B | $2.16B | $531.18B | $210.37B |
As of 2026-11-02, Truist Financial Corporation (NYSE: TFC) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 61/100 at a spot price of $48.79 (-1.07% 1D, market cap $59.11B). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 13/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 7/20, and SEC Balance-Sheet Forensics 13/20. Across 1096 tracked Financials issuers, TFC ranks #393 in composite RQD confidence.
Within the Financials sector (Major Banks), TFC carries a Roarable C- (61/100 RQD), trailing P/E of 32.8x, gross margin of —, and ROIC of 0.9%. By comparison, DB (Deutsche Bank AG) holds a C- grade (59/100 RQD, P/E 32.8x, ROIC 9.9%, cap $65.68B) and FITB (Fifth Third Bancorp) posts a B- grade (71/100 RQD, P/E 19.6x, ROIC 3.2%, cap $49.37B). 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 $0 in revenue, $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 +0.93% above its 50-day simple moving average ($48.34) 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 60.2 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.0% ($46.84 to $50.74).
Why TFC Stock slipped -1.07% Today — RQD Quant Desk Flash. Solid steady margins (1% return on capital), mixed timing at 33x P/E—hold if owned, no rush to chase.
Per the Roarable RQD rating, TFC scores 61 out of 100, earning a C- and the verdict "Roarable Hold — Cautious Neutral." The five pillars are:
Implications for a prospective investor: The upside case rests on the cash-flow yield and balance sheet strength. The valuation tradeoff is visible in the market data: trailing P/E of 32.8 and EV/EBITDA of 66.7 sit well above the forward P/E of 27.6, indicating that near-term earnings expectations are materially higher than trailing results. The macro pillar's low score and the elevated Beta mean the stock's path is likely to be more sensitive to market conditions than the balance sheet alone suggests. The composite C- and "Hold" verdict are consistent with a mixed picture rather than a clear directional signal.
Per the profile, Truist Financial Corporation is a NYSE-listed issuer in the Financials sector, Major Banks industry. The source data does not describe specific products, customer segments, or revenue-generation mechanics. Operating margin is listed at 13.9% and net margin at 10.9% per the market data section, but gross margin is listed as 0%, which the source does not explain.
| Period | Revenue | Operating Income | Net Income | EPS | FCF | Cash | Debt |
|---|---|---|---|---|---|---|---|
| FY 2025 (filed 2025-12-31) | $0.0M | $0.0M | $0.0M | N/A | $5739.0M | N/A | $217057.0M |
| FY 2024 (filed 2024-12-31) | $0.0M | $0.0M | $0.0M | N/A | $2164.0M | N/A | $210373.6M |
Per the SEC financials, FCF increased from $2164.0M in FY 2024 to $5739.0M in FY 2025, while reported debt rose from $210373.6M to $217057.0M. Revenue, net income, operating income, and cash are reported as zero or N/A in the source, so the profitability trend cannot be assessed from these fields. Per the market data, operating margin is 13.9%, net margin is 10.9%, and ROIC is 0.9%. Per the Roarable RQD rating, the Altman Z-Score is 2.5 and the Piotroski F-Score is 7/9, with Debt/Equity of 0.5 contributing to the forensic balance sheet pillar.
The butterfly supply-chain graph reports no supply-chain structure and no proprietary signals, so no graph-based signal contributes to this section.
Per the Butterfly Supply-Chain Graph, the supply chain is recorded as NONE, with no butterfly links and no proprietary signals. 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.
Welcome to the TFC (Truist Financial Corporation) Roar Pit. Current RQD Composite is 61/100 (Roarable Hold — Cautious Neutral) in Major Banks. Bulls point to operating leverage and sector positioning, while bears focus on valuation multiple compression (32.8x trailing P/E). Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.
Everyone in here is repeating the bull case on TFC, but look at what you are paying: 32.8x trailing P/E with tightening sector spreads. Unless Truist Financial Corporation expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.
Looking at the 5-pillar RQD breakdown on TFC, the market is fixating on short-term headline noise in Major Banks and ignoring the balance sheet and cash flow trajectory. At $49.32 (52-wk range $43.13 - $56.20), any beat on forward guidance forces shorts and underweight funds to chase.
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