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Upturn AI SWOT - About
TFC 
Truist Financial Corp (TFC)
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Upturn Advisory Summary
04/04/2025: TFC (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -7.67% | Avg. Invested days 40 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/04/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 45.41B USD | Price to earnings Ratio - | 1Y Target Price 49.04 |
Price to earnings Ratio - | 1Y Target Price 49.04 | ||
Volume (30-day avg) 9626438 | Beta 0.89 | 52 Weeks Range 33.44 - 48.51 | Updated Date 04/6/2025 |
52 Weeks Range 33.44 - 48.51 | Updated Date 04/6/2025 | ||
Dividends yield (FY) 5.98% | Basic EPS (TTM) -0.3 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 42.23% | Operating Margin (TTM) 37.15% |
Management Effectiveness
Return on Assets (TTM) -0.01% | Return on Equity (TTM) -0.07% |
Valuation
Trailing PE - | Forward PE 8.53 | Enterprise Value 70684147712 | Price to Sales(TTM) 3.98 |
Enterprise Value 70684147712 | Price to Sales(TTM) 3.98 | ||
Enterprise Value to Revenue 7.83 | Enterprise Value to EBITDA - | Shares Outstanding 1305389952 | Shares Floating 1301917634 |
Shares Outstanding 1305389952 | Shares Floating 1301917634 | ||
Percent Insiders 0.22 | Percent Institutions 78.71 |
Analyst Ratings
Rating 3.78 | Target Price 50.29 | Buy 4 | Strong Buy 7 |
Buy 4 | Strong Buy 7 | ||
Hold 12 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Truist Financial Corp
Company Overview
History and Background
Truist Financial Corp was formed in December 2019 through the merger of BB&T (Branch Banking and Trust Company) and SunTrust Banks. BB&T was founded in 1872, while SunTrust's roots traced back to 1891. The merger created the sixth-largest bank in the United States at the time.
Core Business Areas
- Consumer Banking: Provides a range of banking services including checking and savings accounts, credit cards, mortgages, and personal loans to individuals and families.
- Commercial Banking: Offers lending, treasury services, and other financial solutions to businesses of all sizes.
- Wealth Management: Provides investment management, financial planning, and trust services to high-net-worth individuals and institutions.
- Insurance: Offers a variety of insurance products and services through its insurance subsidiary.
Leadership and Structure
Bill Rogers serves as the Chairman and Chief Executive Officer. The organizational structure includes various executive leadership positions overseeing different business segments and support functions. The company is structured as a bank holding company.
Top Products and Market Share
Key Offerings
- Mortgages: Offers a variety of mortgage products, including fixed-rate, adjustable-rate, and government-insured loans. Competitors include Wells Fargo, JPMorgan Chase, and Bank of America. Data for number of mortages outstanding not available. Market share for Truist is estimated around 2-3%.
- Credit Cards: Provides a range of credit cards with various rewards programs and benefits. Competitors include American Express, Capital One, and Chase. No user data available. Estimated market share around 1-2%.
- Commercial Loans: Offers loans to businesses of various sizes. Competitors include Wells Fargo, JPMorgan Chase, and Bank of America. Market share for small business loans is estimated to be around 3-4%.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increased regulation, rising interest rates, digital transformation, and intense competition. Consolidation through mergers and acquisitions is common.
Positioning
Truist Financial Corp is positioned as a regional bank with a strong presence in the Southeast. Its merger aimed to create a more competitive institution with greater scale and efficiency. Truist is focusing on digital transformation and customer experience.
Total Addressable Market (TAM)
The TAM for banking services in the US is estimated to be several trillion dollars. Truist, with its ~$550 billion in assets, captures a small percentage of this TAM, leaving room for potential growth.
Upturn SWOT Analysis
Strengths
- Strong regional presence in the Southeast
- Diversified business model
- Significant scale and resources after the merger
- Focus on digital innovation
Weaknesses
- Integration challenges from the merger
- Brand recognition is still evolving since it's relatively new
- Exposure to economic fluctuations in the Southeast
- Customer service integration issues
Opportunities
- Expanding into new markets
- Leveraging technology to improve efficiency
- Acquiring smaller banks or fintech companies
- Growing wealth management and insurance businesses
Threats
- Increasing competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- JPM
- BAC
- WFC
- USB
Competitive Landscape
Truist Financial Corp faces intense competition from larger national banks and smaller regional players. Its advantages include a strong regional presence and a diversified business model. Disadvantages include integration challenges and brand recognition compared to established national brands.
Major Acquisitions
BenefitMall
- Year: 2022
- Acquisition Price (USD millions): 440
- Strategic Rationale: Acquisition to expand Truist Insurance Holdingsu2019 wholesale benefits operations.
Growth Trajectory and Initiatives
Historical Growth: Growth has been driven by the merger and subsequent cost-saving initiatives. Organic growth has been more moderate.
Future Projections: Analyst estimates project moderate revenue and earnings growth in the coming years. The pace of growth is projected to be between 3-5% per year.
Recent Initiatives: Recent initiatives include investments in digital banking, branch optimization, and expansion of wealth management services.
Summary
Truist Financial Corp is a large regional bank formed from a significant merger, providing a wide array of financial services. The company shows stability but also faces ongoing integration tasks. While the bank has a firm footing in the Southeast, intensifying competition and economic uncertainties present hurdles. Truist's focus on technology and wealth management is critical for future expansion, but brand development and smooth technology implementations are keys to success.
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USB
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WFC
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WFC
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Sources and Disclaimers
Data Sources:
- Company SEC Filings (10-K, 10-Q)
- Earnings Call Transcripts
- Investor Presentations
- Industry Reports (e.g., FDIC, Federal Reserve)
- Analyst Reports (e.g., Refinitiv, Bloomberg)
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market conditions and company-specific factors can change rapidly, impacting the accuracy of the data. Consult with a qualified financial advisor before making any investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Truist Financial Corp
Exchange NYSE | Headquaters Charlotte, NC, United States | ||
IPO Launch date 1990-03-26 | Executive Chairman & CEO Mr. William Henry Rogers Jr. | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 36769 | Website https://www.truist.com |
Full time employees 36769 | Website https://www.truist.com | ||
Truist Financial Corporation, a financial services company, provides banking and trust services in the Southeastern and Mid-Atlantic United States. The company operates through three segments: Consumer Banking and Wealth, Corporate and Commercial Banking, and Insurance Holdings.Its deposit products include noninterest-bearing checking, interest-bearing checking, savings, and money market deposit accounts, as well as certificates of deposit and individual retirement accounts. The company also provides funding; asset management; automobile lending; credit card lending; consumer finance; home equity and mortgage lending; other direct retail lending; insurance; investment brokerage; mobile/online banking; payment solutions; point-of-sale lending; retail and small business deposit products; small business lending; and wealth management/private banking services. In addition, it offers asset based lending, investment banking and capital market, institutional trust, insurance premium finance, derivatives, commercial lending, international banking, leasing, merchant, commercial deposit and treasury, floor plan, mortgage warehouse lending, real estate lending, and supply chain financing services. Further, the company provides insurance brokerage, retail and wholesale brokerage, securities underwriting and market making, loan syndication, and investment management and advisory services. The company was formerly known as BB&T Corporation and changed its name to Truist Financial Corporation in December 2019. Truist Financial Corporation was founded in 1872 and is headquartered in Charlotte, North Carolina.
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