TFC

SELL

Truist Financial Corporation

Financial Services · Rank #365 · Analyzed Jul 13, 2026

$51.67

Current Price

$54.68

Intrinsic Value

+5.8%

Upside/Downside

1.5/10

Score

1.5/5

Quality

Analysis Summary

Valuation Consensus1/3 methods agree

Quality Score1.5/5.0

Framework RatingSELL

Price vs Intrinsic ValueUndervalued by 5.8%

Fair Value Range

Low$27.51

Base (IV)$54.68

High$65.62

Entry Points

Conservative$19.25

Moderate$27.51

Aggressive$38.28

⚠️ 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% → 0.5/1.0

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.