Truist Financial
Banking franchise spanning retail deposits, commercial lending, capital markets, wealth and payments.
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Profile
Provides consumer, small-business, commercial and corporate banking, with lending and securities generating interest income and capital markets, wealth and payments adding fees. A branch-focused Southeast and Mid-Atlantic franchise is complemented by digital delivery and national specialized-lending platforms.
Provides consumer and small business banking through deposits, cards, mortgages and specialized lending, distributed across a digital platform and a branch network concentrated in the Southeast and Mid-Atlantic. Consumer and Small Business Banking serves retail, premier and small-business clients, while Wholesale Banking covers commercial and corporate lending, investment banking and capital markets, wealth management, payments and treasury services.
Earns interest income from loans and securities, alongside fees from capital markets, wealth, payments and other services. Combines community-bank reach with national specialist platforms, extending lending beyond its core footprint. After selling its insurance brokerage, the revenue mix centers on banking and adjacent fee businesses. Earnings and capital deployment remain tied to deposit pricing, interest rates, borrower credit performance and regulatory capital requirements.
Company facts
Key statistics
Year to date +1.4% · Average volume (30d) 6.2M
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Prior rating | Rating | Prior target | Target |
|---|---|---|---|---|---|---|
| Jul 21, 2026 | Stephens | Reiterate | Overweight | $50 | $57 | |
| Jul 20, 2026 | Robert W. Baird | Target | $56 | |||
| Jul 20, 2026 | Truist Financial | Downgrade | Market Perform | Underweight | ||
| Jul 20, 2026 | JP Morgan | Downgrade | Neutral | Underweight | ||
| Jul 8, 2026 | B of A Securities | Downgrade | Buy | Neutral |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 17, 2026Q2 FY26 | $1.08 | $1.23 | +13.9% | $5.24B | $5.31B | +1.4% | −2.86% |
| Apr 17, 2026Q1 FY26 | $1.00 | $1.09 | +9.3% | $5.16B | $5.20B | +0.6% | +0.53% |
| Jan 21, 2026Q4 FY25 | $1.09 | $1.00 | −8.3% | $5.31B | $5.30B | −0.2% | +0.56% |
| Oct 17, 2025Q3 FY25 | $1.00 | $1.04 | +4.5% | $5.19B | $5.19B | 0.0% | +2.00% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $7.38B | $7.55B | $7.84B | $7.66B | $7.41B | $7.61B | |
| Gross profit | $4.44B | $4.50B | $4.75B | $5.25B | $4.67B | $4.87B | |
| Operating income | $1.54B | $1.51B | $1.74B | $1.56B | $1.69B | $1.82B | |
| Net income | $1.26B | $1.24B | $1.45B | $1.35B | $1.48B | $1.55B | |
| Diluted EPS | $0.87 | $0.90 | $0.90 | $1.00 | $1.09 | $1.23 | |
| Gross margin | 60.2% | 59.6% | 60.6% | 68.5% | 63.1% | 64.0% | |
| Operating margin | 20.8% | 20.0% | 22.1% | 20.4% | 22.8% | 23.8% |
Fiscal years (4-quarter sums)FY21 $22.99B · FY22 $25.43B · FY23 $30.74B · FY24 $24.25B · FY25 $30.44B
Balance sheet, Jun 30, 2026Cash & short-term investments $4.71B · Total debt $69.86B · Total assets $556.02B · Shareholders' equity $64.10B
Dividends
Raised for 15 straight years — most recently to $0.52 from $0.48 in Aug 2022. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Aug 14, 2026 | Aug 14 | Sep 1 | $0.52 | |
| May 8, 2026 | May 8 | Jun 1 | $0.52 | |
| Feb 13, 2026 | Feb 13 | Mar 2 | $0.52 | |
| Nov 14, 2025 | Nov 14 | Dec 1 | $0.52 | |
| Aug 8, 2025 | Aug 8 | Sep 2 | $0.52 | |
| May 9, 2025 | May 9 | Jun 2 | $0.52 | |
| Feb 14, 2025 | Feb 14 | Mar 3 | $0.52 | |
| Nov 8, 2024 | Nov 8 | Dec 2 | $0.52 |
Ownership
Shares outstanding 1.25B · Float 1.24B · 99.8% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| BlackRock, Inc. | 99.56M | 7.99% | 13F | Aug 7, 2026 |
| Capital International Investors | 93.34M | 7.49% | 13F | Aug 12, 2026 |
| Vanguard Capital Management LLC | 81.31M | 6.53% | 13F | Aug 13, 2026 |
| State Street Corp | 58.69M | 4.71% | 13F | Aug 7, 2026 |
| Vanguard Portfolio Management LLC | 41.89M | 3.36% | 13F | Aug 13, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Jul 31, 2026 | Donta L. Wilson | officer: Chief Consumer & SB BK Officer | −13,280 | $51.85 |
| Jul 23, 2026 | K. David Jr. Boyer | director | −3,986 | $50.70 |
| Jul 20, 2026 | William H. Jr Rogers | director, officer: Chairman & CEO | −13,250 | $52.36 |
| Feb 2, 2026 | Cynthia B. Powell | officer: Corp. Controller & CAO | −3,500 | $52.49 |
| Jan 26, 2026 | Michael Baron Maguire | officer: Chief Financial Officer | −13,000 | $50.13 |
Peers
- Regions Financial
Truist's most geographically direct rival across the Southeast.
- PNC Financial Services Group
Aggressively expanding Southeast footprint to contest Truist's home markets.
- Fifth Third
Southeast-expansion bank increasingly competing in Truist's core growth markets.
- Bank of America
Charlotte-based rival competing in consumer and wholesale banking nationally.
- Wells Fargo
National money-center with notable Southeast and Mid-Atlantic retail overlap.
- U.S. Bancorp
Payments-led super-regional with national reach in treasury and commercial.
- KeyCorp
Midwest/Mid-Atlantic super-regional competing in middle-market banking.
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Truist Financial | $53.13 | +5.37% | $62.83B | 12.0 | 10.6 | 2.1 | +6.5% |
| Regions Financial | $30.33 | +0.02% | $25.88B | 12.4 | 11.1 | 2.7 | +2.2% |
| PNC Financial Services Group | $256.30 | +5.78% | $96.65B | 13.3 | 11.9 | 2.7 | +21.4% |
| Fifth Third | $54.60 | +0.14% | $49.43B | 18.6 | 11.9 | 3.3 | +45.2% |
| Bank of America | $62.30 | −0.04% | $442.26B | 14.4 | 12.7 | 2.3 | +19.3% |
| Wells Fargo | $86.69 | +0.01% | $262.12B | 12.5 | 11.6 | 2.0 | +8.6% |
| U.S. Bancorp | $62.47 | +0.01% | $97.31B | 12.5 | 11.5 | 2.2 | +10.6% |
| KeyCorp | $21.91 | +0.07% | $23.65B | 12.7 | 11.2 | 2.3 | +7.3% |
| Median | 12.7 | 11.6 | 2.3 | +10.6% |