Truist Financial Corporation (TFC)

Over the past six months, Truist Financial Corp. experienced several stock events. Truist reported Q2 2025 earnings with a net income of $1.2 billion, including restructuring charges. Truist reported adjusted Q3 2025 earnings per share (EPS) of $1.04, surpassing analyst estimates, but revenue fell short of expectations. Truist expanded its Industry Specialty team. Truist decreased its prime lending rate to 6.75% from 7.00%. The Board of Directors authorized a new share-repurchase program of up to $10 billion. Truist launched electronic direct deposit switching capabilities to its digital onboarding process. Several analysts adjusted their ratings and price targets for TFC. Truist announced it would report fourth-quarter 2025 financial results on January 21, 2026. Over the last 12 months, the stock price increased by 18.18%.

Demand seasonality for Truist Financial Corp.'s products and services can be observed in investment banking, cards and payments, and service charges. Loan demand also experiences fluctuations, with decelerated demand for commercial and industrial (C&I) loans in Q1 2023 and strong demand in Q2 and Q3 2025. Interest rate changes play a significant role in loan demand.

Truist Financial Corp. is a financial services company operating in the Banks - Major Regional and Holding Companies industry. It offers a range of financial products and services, including consumer banking, commercial lending, and wealth management. Its products include deposit accounts, consumer and residential mortgage lending, credit and debit card services, middle-market and corporate lending, treasury and payment solutions, and wealth management.

Truist Financial Corp. has a significant geographic presence in the Southeastern and Mid-Atlantic United States, operating 1,928 branches in 15 states and Washington, D.C. It also has a growing national footprint in commercial banking and wealth management, with equipment finance services licensed in all 50 states and Washington, D.C. Its insurance agencies operate throughout the U.S. and Canada, with some international presence in Bermuda.

Truist Financial Corp.'s brand reputation appears mixed, with a MarketBeat news sentiment score of 1.14, indicating a somewhat positive sentiment. The consensus analyst rating is "Hold." Criticisms include concerns about management's compensation and past strategic decisions. Truist has been recognized on Forbes lists such as "America's Best-In-State Companies (2026)" and "America's Best Employers for Tech Workers (2025)." The company has been actively promoting its digital transformation.

Truist Financial Corp.'s shareholder base is predominantly institutional, with institutional investors holding approximately 71.28% to 87% of the company's stock. Major institutional owners include The Vanguard Group, Inc., Capital International Investors, BlackRock, Inc., State Street Corp., Victory Capital Management Inc., and Geode Capital Management, LLC. Individual insider activity in the past three months has shown a tilt towards selling.