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TFC

SELL

Truist Financial Corporation

Financial Services · Rank #327 · Analyzed Apr 20, 2026

$50.57

Current Price

$53.57

Intrinsic Value

+27.1%

Upside/Downside

2/10

Score

2/5

Quality

Analysis Summary

Valuation Consensus1/3 methods agree
Quality Score2/5.0
Framework RatingSELL
Price vs Intrinsic ValueUndervalued by 27.1%

Fair Value Range

Low$37.50
Base (IV)$53.57
High$64.28

Entry Points

Conservative$37.50
Moderate$45.53
Aggressive$53.57

⚠️ Warnings

  • Financial sector — DCF less reliable (FCF includes reserves/float)

Quality & Moat Breakdown

Return on Equity8.6% → 0/1.0
Debt LevelD/E 100 → 0/1.0
Revenue QualityGrowth 53.0%, margin Δ+0.0% +recovery → 1.0/1.0
Moat Strength1.5/5 → 0/1.0
Profit Margins29.6% → 1.0/1.0

Methodology

This analysis uses a unified valuation framework combining three methods — Discounted Cash Flow (3-scenario), Earnings Power Value, and Asset Valuation — with a quality scoring overlay. A stock needs 2/3 valuation methods to agree and a quality score ≥ 3.5/5 for a BUY rating.

Learn how this framework works →

This is a personal analysis tool, not financial advice. Do your own research before making investment decisions.