Truist Financial Corporation

$ 18.70 -0.21 %

Truist Financial Corporation is a prominent financial holding company that delivers a broad spectrum of banking and trust services across the Southeastern and Mid-Atlantic regions of the United States. Its operations are structured into three key divisions: Consumer Banking and Wealth, Corporate and Commercial Banking, and Insurance Holdings. Customers can access a comprehensive suite of deposit offerings, including various checking accounts (both interest-bearing and non-interest-bearing), savings accounts, money market accounts, certificates of deposit (CDs), and individual retirement accounts (IRAs). Beyond deposits, Truist extends its offerings to diverse lending solutions such as automobile loans, bankcard services, consumer financing, home equity lines, and mortgages. It also supports clients with funding, asset management, and crucial digital services like mobile/online banking, payment processing, and lease financing. Its extensive insurance portfolio spans property and casualty, life, health, employee benefits, workers' compensation, professional liability, surety, and title coverage. Additional provisions include investment brokerage and specialized financial guidance through small business lending and wealth management/private banking. For businesses and institutions, Truist delivers a robust array of solutions. These encompass capital market activities, institutional trust services, international banking, and a full spectrum of commercial financing, including insurance premium finance, commercial middle market lending, floor plan and commercial mortgage lending, mortgage warehouse lending, and supply chain finance. The company also supports clients with association services, leasing, merchant services, commercial deposit and treasury management, government finance, small business and student lending, private equity investments, and real estate lending. Moreover, Truist provides corporate and investment banking expertise, along with retail and wholesale brokerage services, securities underwriting, and investment advisory capabilities. As of year-end 2021, its extensive network comprised 2,517 banking branches. Headquartered in Charlotte, North Carolina, Truist Financial Corporation boasts a rich history, having been established in 1872. The organization rebranded from BB&T Corporation to its current name in December 2019.

CEO: William Henry Rogers Jr. - https://www.truist.com

Price objectif

-

Recommandation

Hold

DCF

$ 238.73

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TFC-PI vs S&P500

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Quick ratio

0.16

indicates that the company may have difficulty covering its short-term debts with its readily available assets.

P/E ratio

4.17

may indicate that the company is undervalued or has poor growth prospects.

EPS

4.48

is the net profit of a company divided by the number of outstanding shares, indicating the profit earned per share.

ROE

8.51 %

indicates low profitability, suggesting that the company is not using equity efficiently to generate profits.

ROIC

1.01 %

does not generate enough return to cover its financing costs, which indicates value destruction and may pose long-term profitability issues.

WACC

9.38

is a company's average cost of capital, weighted by the proportion of debt and equity in its financing. It represents the minimum return the company must generate to satisfy its investors.

Debt-to-Equity Ratio

1.08

means it relies more on debt, which can increase financial risk.

Free cash flow per share

4.54

is a measure of a company's financial flexibility that is determined by dividing free cash flow by the total number of shares outstanding.

Dividend payout ratio

53.59 %

indicates that the company is retaining a large portion of its profits to reinvest in growth

Earnings per share

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Financials

Piotroski score
7 indicates good financial health
Altman score
0.14 indicates a high risk of bankruptcy
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Cash / Debt

Cash Ratio
0.16 indicates liquidity risk, as the company may not have enough cash to meet its immediate obligations
Debt Ratio
0.13 indicates that the company uses little debt to finance its assets, suggesting good financial stability
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Free Cash Flow

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Earnings Per Share (annual)

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Sales

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