Analyze Portfolio
NYSE · Financials

TRUIST FINANCIAL CORP (TFC)

As-reported financials and recent SEC filings for TRUIST FINANCIAL CORP, latest fiscal period FY2025. Financial statements come straight from the company’s EDGAR filings; valuation figures such as P/E and market cap use market data.

About TRUIST FINANCIAL CORP

Truist Financial Corp is a financial services company that provides banking, lending, mortgage banking, credit card, investment advisory, and fiduciary and trust services. It serves consumers, small businesses, and commercial clients with products including deposit accounts, home equity lending, automobile loans, and commercial real estate financing. The company also offers insurance and treasury corporate services.

Snapshot

Revenue
$20.32B
Revenue growth (YoY)
53.0%
Net income
$5.31B
Diluted EPS
$3.82
Gross margin
Operating margin
Net margin
26.1%
FCF margin
ROE
8.1%
P/E (TTM)
12.0×
Market cap
$63.67B
Debt / equity
0.6×

Fundamentals are from SEC filings. P/E and market cap are derived from recent market prices, refreshed on a rolling basis (typically within the past week).

What changed at Truist Financial

  • Revenue grew 53.0% to $20.3B in FY2025, after a 33.7% decline the year before.
  • Most recent quarter Q1 FY2026: revenue $5.2B, up 5.2% from Q1 FY2025.
  • Net income rose 9.6% to $5.3B in FY2025.

Computed from the as-reported figures in the statements below. A change we cannot state from filed figures is left out rather than estimated.

Peer comparison

Where Truist Financial’s fundamentals sit among the 76 banks. Each figure is ranked only against peers that report it, from lowest (left) to highest (right).

Net margin26.1%
40th percentile of 76
Revenue growth (YoY)+53.0%
93rd percentile of 76
ROE8.1%
23rd percentile of 76
P/E (TTM)12.0×
35th percentile of 75
Debt / equity0.64×
78th percentile of 38
Short interest4.17d
39th percentile of 75

Truist Financial’s revenue growth of +53.0% ranks in the 93rd percentile of the 76 banks reporting it.

No open-market insider buys in the last 90 days; 2 insider sales totaling $895,900. For context, about 16% of companies in the universe saw any open-market insider buying in the same window. Browse insider activity →

Percentiles describe where a figure sits among industry peers reporting it (100th = highest). They are position within a peer group, not a rating, and not investment advice. Short interest ranking uses days to cover from FINRA Consolidated Short Interest data; FINRA is the owner and source of that data, included at no additional charge.

Institutional ownership

Held by 4 of the superinvestors we track (plus 5 quant / multi-strat books), based on each investor’s most recent 13F (latest Q1 2026).

Conviction investors
4
+5 quant / multi-strat
Initiated / added
5
0 new, 5 added
Reduced / exited
5
3 trimmed, 2 exited
Combined position
$468.3M
reported long value
InvestorAs ofPosition valueSharesChange
AQR Capital ManagementquantQ1 2026$156.7M3.5MAdded
Citadel AdvisorsquantQ1 2026$141.4M3.1MAdded
Two Sigma InvestmentsquantQ1 2026$102.5M2.2MAdded
Bridgewater AssociatesQ1 2026$33.6M731.7KReduced
Millennium ManagementquantQ1 2026$23.0M501.0KAdded
D. E. ShawquantQ1 2026$5.3M114.6KReduced
Gotham Asset ManagementQ1 2026$3.9M84.4KAdded
Harris Associates (Oakmark)Q1 2026$1.0M22.6KReduced
Dodge & CoxQ1 2026$880,37119.2KHeld

No longer held by: Point72 Asset Management (as of Q1 2026), Renaissance Technologies (as of Q1 2026)

From quarterly Form 13F filings, which can be up to 45 days delayed. Long US-listed positions only: excludes short positions, options, cash, bonds, and non-US holdings, so this is not a manager’s complete portfolio. Counts are of the investors we track, not all institutions. Not investment advice.

Recent insider activity

Non-derivative buys and sells (codes P/S) reported by officers, directors and 10% owners on SEC Form 4.

Buys (90d)
0
open-market
Bought (90d)
open-market value
Sells (90d)
2
$896K
Signal
Net selling
by $ value, 90d
Trade dateInsiderTypeSharesPriceValue
2026-07-23
filed 2026-07-27
Boyer K. David Jr.DirectorSell4.0K$50.70$202K
2026-07-20
filed 2026-07-22
ROGERS WILLIAM H JRChairman & CEOSell13.3K$52.36$694K

Reported non-derivative purchases and sales (codes P/S) — which may be open-market or private; excludes option exercises, grants, and shares withheld for taxes. Dates shown are the trade date; a Form 4 can be filed days to years later. A sale can be routine (e.g. a pre-set 10b5-1 plan), so read individual transactions in context. From SEC Form 4. Not investment advice.

Short interest

Total shares sold short as of each twice-monthly FINRA settlement. Rising short interest means more investors are positioned against the stock; days to cover estimates how many trading days of average volume that position represents.

Shares short
30.0M
settled 2026-07-15
Change vs prior
-9.6%
vs previous settlement
Days to cover
4.17
at avg daily volume
Avg daily volume
7.2M
FINRA reported
SettlementShares shortChangeDays to cover
2026-07-1530.0M-9.6%4.17
2026-06-3033.2M-7.4%2.64
2026-06-1535.9M+5.7%3.32
2026-05-2934.0M+18.1%4.75
2026-05-1528.8M-3.3%4.16
2026-04-3029.7M+6.1%3.59
2026-04-1528.0M+8.4%2.94
2026-03-3125.9M+10.0%2.43

Source: FINRA Consolidated Short Interest. FINRA is the owner and source of the FINRA-supplied data, which is included at no additional charge for your own personal or professional use; republishing or redistributing it is not permitted. Settlement dates are shown; FINRA publishes each settlement about nine business days later, so the latest figure can be two to four weeks old. Not presented as a percentage of float. No FINRA endorsement of this product is implied. Not investment advice.

Bank fundamentals

Regulatory detail for Truist Bank (Charlotte, NC), the insured-bank subsidiary, from its FDIC Call Report as of Q1 2026. This is what actually moves bank stocks: deposit franchise, capital, and credit quality that a standard income statement can’t show.

Total deposits
$413.6B
FDIC insured-bank
Uninsured deposits
43.6%
share of deposits
CET1 ratio
11.93%
regulatory capital
Net interest margin
3.15%
trailing
Efficiency ratio
52.0%
lower is better
Noncurrent loans
0.75%
of gross loans

Source: FDIC BankFind (Call Report), public domain. Bank-subsidiary figures, filed quarterly ~30 days after quarter-end.

Income statement (as reported)

 FY2025FY2024FY2023FY2022FY2021
Revenue$20.32B$13.28B$20.02B$19.97B$19.67B
Gross profit
Operating income
Net income$5.31B$4.84B$-1.05B$6.27B$6.44B
Diluted EPS$3.82$3.36$-1.09$4.43$4.47

Figures as reported to the SEC. Underlined values link to the filing they came from; dotted values are calculated by us from reported figures; “adj” means restated for a stock split (hover to see the figure as filed). Full methodology.

Balance sheet (as reported)

 FY2025FY2024FY2023FY2022FY2021
Cash and equivalents$36.38B$39.77B$30.64B$21.42B$20.30B
Current assets
Total assets$547.54B$531.18B$535.35B$555.25B$541.24B
Current liabilities
Long-term debt$41.96B$34.96B$38.92B$43.20B$35.91B
Total liabilities$482.35B$467.50B$476.10B$494.72B$471.97B
Total equity$65.19B$63.68B$59.25B$60.54B$69.27B

Figures as reported to the SEC. Underlined values link to the filing they came from; dotted values are calculated by us from reported figures; “adj” means restated for a stock split (hover to see the figure as filed). Full methodology.

Cash flow (as reported)

 FY2025FY2024FY2023FY2022FY2021
Operating cash flow$5.74B$2.16B$8.63B$11.08B$7.89B
Capital expenditure$564.0M$442.0M
Free cash flow$10.52B$7.45B

Figures as reported to the SEC. Underlined values link to the filing they came from; dotted values are calculated by us from reported figures; “adj” means restated for a stock split (hover to see the figure as filed). Full methodology.

Quarterly trend (as reported)

QuarterRevenueRevenue YoYNet incomeDiluted EPS
Q1 FY2026$5.15B5.2%$1.48B$1.09
Q4 FY2025$5.25B3.7%$1.35B$1.05
Q3 FY2025$5.19B2.0%$1.45B$1.04
Q2 FY2025$4.99B$1.24B$0.90
Q1 FY2025$4.90B1.7%$1.26B$0.87
Q4 FY2024$5.06B3.6%$1.28B$0.97
Q3 FY2024$5.08B4.4%$1.44B$0.99
Q2 FY2024$-1.69B-133.8%$922.0M$0.62

Latest 8 reported quarters, from company XBRL filings on SEC EDGAR.

Company facts

ExchangeNYSE
SectorFinancials
SIC industryNational Commercial Banks
Fiscal year endDecember 31
Latest fiscal periodFY2025
SEC filings since2020
SEC CIK92230

Recent SEC filings

10-K2026-02-24
View on EDGAR →
10-K2025-02-25
View on EDGAR →
10-Q2026-05-01
View on EDGAR →
10-Q2025-10-30
View on EDGAR →
10-Q2025-07-31
View on EDGAR →
10-Q2025-04-30
View on EDGAR →
8-K2026-07-23
View on EDGAR →
8-K2026-07-17
View on EDGAR →

Largest bank peers

All bank stocksAll Financials companies →

TFC head to head

Monitor TFC

Get an alert when Truist Financial files something material, see which superinvestors own it, and ask its filings a question with cited answers.

Monitor TFC free

Includes one free filing-grounded research answer. Or check your whole portfolio, no account needed.

Data sourced from SEC EDGAR (public domain). Figures are as-reported and may be unaudited or restated; verify against the source filing before relying on them. Informational only. Not investment advice.