TFC

Truist FinancialC

NYSE / Banks

At close

2026-07-18

Current thesis

Q2 results materially improved the operating narrative: EPS rose 37% year over year, revenue increased 5.5% year over year, fee income and commercial loan growth strengthened, credit metrics improved, and capital return remained substantial. This supports a possible re-rating if profitability and ROTCE progress persist.

Posture

Mixed

Lead driver

Value

What changed

Value remains the lead driver in the composite, 7D delta -0.0.

What can break

Current credit quality is strong, but nonperforming loans rose slightly and the allowance ratio declined to 1.51%.

Momentum

Value

Sentiment

Setup hits (3d)

— · Net —

AI TargetsBase $55.00 · Bull $60.00 · Bear $47.00

Data freshness

Prices

As of 2026-07-18

Fundamentals

As of 2026-07-17 • Vendor: Data Vendor v1

Scores

As of 2026-07-18 • Model: HYBRID_IC_RP

AI Memo

As of 2026-07-17 • Model: RankAlpha Sentiment Codex

Investment thesis

As of 2026-07-18

Supporting evidence

What

Grade C · Mixed

Confidence Medium · Net —

Target $54.88

Why

Momentum43 · Δ7d -0.4

Value56 · Δ7d -0.0

Sentiment54 · Δ7d +3.0

So what

Balanced signals. Wait for confirmation before sizing up.

Setup hits not loaded

Load setup hits to see net bias and recent triggers.

Load setup hits

Lead driver: Value · See fundamentals

Momentum

26% active weight

Current posture

7d trendFlat

Δ7d

-0.4

Δ21d

-3.1

Value

39% active weight

Current posture

7d trendFlat

Δ7d

-0.0

Δ21d

-1.6

Sentiment

34% active weight

Current posture

7d trendImproving

Δ7d

+3.0

Δ21d

+2.2

Why this grade

Composite grade C. Momentum 42.6 / Value 55.6 / Sentiment 53.6

Fundamentals (TTM)

As of 2026-07-17

Market Cap

$65.41B

Beta

0.88

Shares Out

1.25B

P/E (TTM)

13.5

P/S (TTM)

3.21

P/FCF (TTM)

72.64

Rev YoY

+0.7%

EPS YoY

+24.5%

Gross Margin

Op Margin

+31.5%

Net Debt

$66.11B

Current Ratio

0.44

As of 2026-07-18 • Updated nightlySource: Internal modelMethodology