Touchstone
Last syncNov 1, 2026, 6:55 PM ET

TFC

Truist Financial Corp Financials National Commercial Banks S&P 500Russell 3000
$48.79Close $61.6BMarket cap $41.93 – $54.1452-week range Jan 15, 2027Next report · estimated

Highlights

Cautions

  • Not in an uptrend 3 of 8 trend conditions
  • Lagging the market RS 43 · weaker than 57% of stocks over 12 months
  • Earnings shrinking EPS −42% year on year

Price

Filing Results Screen pick 52-week high and low Adjusted prices

Key figures

FY to Dec 31, 2025 · filed Oct 28, 2026
Off 12-month high 10%
1wk up 0.7% price change
1mo up 5.4% price change
12-month return up 15% market up 11% · its own up 5%
F-score — — Not assessed
Altman Z — Unknown
P/E 11.6× price / earnings
PEG 0.96 P/E / EPS growth
P/B 0.9× price / book
Earnings yield — EBIT / enterprise value
Cheaper than — of the market · not assessed
Revenue growth up 53% year on year
EPS growth down 42% latest quarter · -74 pts
Sales growth down 28% latest quarter · -33 pts
ROE up 8% return on equity
Free cash margin —
D/E 0.64 long-term debt / equity
Net debt / EBITDA —
Interest cover —EBIT / interest
Piotroski tests

Repair signals

  • Revenue reaccelerating (-34% then +53%)

Trade setup

ATR% 2.0% $0.96 a day · 2×ATR $46.88
RS 43 / 99 vs the universe
Trend 3 / 8 trend template
Relative volume 1.0× vs 50-day average
Up/down volume 1.16 50 sessions
Implied move — no scheduled report
Trend template · 3 of 8
  • Price above the 150 and 200-day averages: fails
  • 150-day average above the 200-day: passes
  • 200-day average rising for a month: fails
  • 50-day average above the 150 and 200-day: fails
  • Price above the 50-day average: passes
  • At least 30% above the 52-week low: fails
  • Within 25% of the 52-week high: passes
  • RS rank 70 or higher: fails

Screen verdict

Did not qualify for any screen.

Warning signs

none flagged
  • No restatement or impairment
  • Equity positive
  • No material dilution
  • Margins and revenue not shrinking
Last reported Oct 16, 2026
Results reaction Oct 16, 20260% vs market2 sessions after results
Options $125,33826.4% IV · activity

Financials

6 fiscal years · from filings
Revenue What customers paid the company over its fiscal year, before any cost, as filed in its annual report. The change is against the year before. Methodology $20.3B +53% on FY2024
$0 $25B FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · $22.7B FY2021 · $19.7B FY2022 · $20.0B FY2023 · $20.0B FY2024 · $13.3B FY2025 · $20.3B
Net income Profit left after every cost, interest and tax for the year. A column below the line is a loss. Methodology $5.3B +10% on FY2024
-$2B $0 $10B FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · $4.5B FY2021 · $6.4B FY2022 · $6.3B FY2023 · -$1.0B FY2024 · $4.8B FY2025 · $5.3B
Margins Each as a share of revenue. Gross: left after the direct cost of what was sold. Net: left after every cost. Free cash: free cash flow over revenue. A margin rising over years means the business keeps more of each dollar it sells. Methodology
  • Net 26%
-10% 0% 50% FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · Net 20% FY2021 · Net 33% FY2022 · Net 31% FY2023 · Net -5% FY2024 · Net 36% FY2025 · Net 26%
Cash and long-term debt Cash on the balance sheet at the year's end beside debt due after a year. Net cash is cash less that debt; net debt is the shortfall. Debt some filers do not tag shows as a gap, not as zero. Methodology
  • Cash
  • Long-term debt
$0 $50B FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · Cash $18.9B · Long-term debt $39.6B FY2021 · Cash $20.3B · Long-term debt $35.9B FY2022 · Cash $21.4B · Long-term debt $43.2B FY2023 · Cash $30.6B · Long-term debt $38.9B FY2024 · Cash $39.8B · Long-term debt $35.0B FY2025 · Cash $36.4B · Long-term debt $42.0B
Shares outstanding Shares in issue at the year's end. A rising count means each share owns a smaller slice of the company (stock pay, share sales); a falling one, buybacks. The chart's scale is fitted to the count, so a small change looks large: read the percentage. Methodology 1.26bn -6.4% since FY2020
1.35bn 1.26bn FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · 1.35bn FY2021 · 1.33bn FY2022 · 1.33bn FY2023 · 1.33bn FY2024 · 1.32bn FY2025 · 1.26bn
  FY2020Dec 31, 2020 FY2021Dec 31, 2021 FY2022Dec 31, 2022 FY2023Dec 31, 2023 FY2024Dec 31, 2024 FY2025Dec 31, 2025
Revenue $22.7B $19.7B $20.0B $20.0B $13.3B $20.3B
Net income $4.5B $6.4B $6.3B -$1.0B $4.8B $5.3B
Net margin 20% 33% 31% -5% 36% 26%
Earnings per share $3.31 $4.77 $4.68 -$0.79 $3.64 $4.07
Cash $18.9B $20.3B $21.4B $30.6B $39.8B $36.4B
Long-term debt $39.6B $35.9B $43.2B $38.9B $35.0B $42.0B
Shareholders' equity $70.9B $69.3B $60.5B $59.3B $63.7B $65.2B
Shares outstanding 1.35bn 1.33bn 1.33bn 1.33bn 1.32bn 1.26bn

What options price now

Expected 1-month range The at-the-money straddle for the expiry nearest a month out, as a share of the price: the move, either way, the option market is pricing by then. The range is the price plus and minus that move; the stock ends inside it a little more often than not. Methodology
$46 – $52 ±5.8% by Nov 20, 2026
Swings expected vs recent The daily swings the options are priced for (implied volatility) against the swings the stock actually had over the last 20 sessions (realised volatility). Bigger means options charge for more movement than the stock has been delivering; smaller, less. On a contract row, that contract's own implied volatility over the stock's realised. Methodology
Bigger 26.4% priced · 19.6% recent
Next month vs later At-the-money implied volatility for 8-45 day expiries over 46-90 day ones: whether options price the coming month as choppier or calmer than the two after it. Ahead of a report it usually reads choppier, and the extra comes out once the report is out. Methodology
Choppier
Crash protection What options that pay off in a fall cost against options that pay off in a rise (the 25-delta skew), compared with this company's own normal - the median of its stored nightly readings, once there are 20 - and with five sessions ago. Protection costs a little more than upside on most shares. More than usual means readers of the chain are paying up to insure against a drop; it does not say which way the stock will go. Methodology
past week: costs more
Positioning
Premium traded
$125,338 calls $94,741 · puts $30,598 · latest session
Puts against calls, by premium Money spent on puts divided by money spent on calls. Measured in dollars rather than contracts on purpose: counting contracts treats a hundred cheap lottery tickets as more meaningful than one large position, which is backwards. Methodology
0.32× +0.17 over the week
Open interest added The change over five sessions in option positions left open overnight, calls and puts. A rise means positions were added. It cannot say whether they were bought or sold, so more calls is not a vote for a rise: a call is as often sold against shares already held. Methodology
calls +4.55k · puts +2.92k past week

For options traders: ATM IV 26.4% (+2.2% 1w) · 1m ÷ 3m IV 1.04 · 25Δ skew 5.9 pts · Net GEX $2.5M

Most traded contracts

No contract passed the liquidity filters this week.

Filings

SEC EDGAR
FiledReportPeriod to Lag
Oct 28, 2026 Quarterly ↗ Sep 30, 2026 28d
Jul 31, 2026 Quarterly ↗ Jun 30, 2026 31d
May 1, 2026 Quarterly ↗ Mar 31, 2026 31d
Feb 24, 2026 Annual ↗ Dec 31, 2025 55d
Oct 30, 2025 Quarterly ↗ Sep 30, 2025 30d
Jul 31, 2025 Quarterly ↗ Jun 30, 2025 31d
Apr 30, 2025 Quarterly ↗ Mar 31, 2025 30d
Feb 25, 2025 Annual ↗ Dec 31, 2024 56d
Nov 1, 2024 Quarterly ↗ Sep 30, 2024 32d
Aug 8, 2024 Quarterly ↗ Jun 30, 2024 39d
May 9, 2024 Quarterly ↗ Mar 31, 2024 39d
Feb 27, 2024 Annual ↗ Dec 31, 2023 58d

Current reports

FiledDisclosed
Oct 16, 2026 Director or officer change · Regulation FD ↗
Oct 16, 2026 Results ↗
Sep 15, 2026 Regulation FD ↗
Jul 29, 2026 Charter or bylaws ↗
Jul 23, 2026 Other events ↗
Jul 17, 2026 Results ↗
Jun 15, 2026 Director or officer change · Regulation FD ↗
Jun 8, 2026 Director or officer change · Regulation FD ↗
May 15, 2026 Holder rights changed · Charter or bylaws · Other events ↗
May 1, 2026 Director or officer change · Shareholder vote ↗
Apr 23, 2026 Other events ↗
Apr 17, 2026 Results ↗