Is Truist Financial (TFC) Offering Value After Its Recent Share Price Performance?

Simply Wall St.01-15

If you have been wondering whether Truist Financial is priced fairly or offering value right now, this article will walk through what the current share price might be implying. The stock last closed ...

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The stock last closed ...</p>\n\n<a href=\"https://simplywall.st/stocks/us/banks/nyse-tfc/truist-financial/news/is-truist-financial-tfc-offering-value-after-its-recent-shar\">Source Link</a>\n\n</div>\n","source":"simplywall_highlight","html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Is Truist Financial (TFC) Offering Value After Its Recent Share Price Performance?</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nIs Truist Financial (TFC) Offering Value After Its Recent Share Price Performance?\n</h2>\n\n<h4 class=\"meta\">\n\n\n2026-01-15 07:52 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://simplywall.st/stocks/us/banks/nyse-tfc/truist-financial/news/is-truist-financial-tfc-offering-value-after-its-recent-shar><strong>Simply Wall St.</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>If you have been wondering whether Truist Financial is priced fairly or offering value right now, this article will walk through what the current share price might be implying. The stock last closed ...</p>\n\n<a href=\"https://simplywall.st/stocks/us/banks/nyse-tfc/truist-financial/news/is-truist-financial-tfc-offering-value-after-its-recent-shar\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"LU2237438978.USD","symbol_name":"Amundi Funds US Pioneer A2 (C) USD","start_time":0,"source_url":"https://simplywall.st/stocks/us/banks/nyse-tfc/truist-financial/news/is-truist-financial-tfc-offering-value-after-its-recent-shar","article_id":"2603415627","we_media_id":null,"thumbnails":["https://images.simplywall.st/asset/company-cover/19109-main-header/1756252408048"],"rights":{"source":"simplywall_highlight","url":"https://simplywall.st/stocks/us/banks/nyse-tfc/truist-financial/news/is-truist-financial-tfc-offering-value-after-its-recent-shar","rn_cache_url":null,"directOrigin":true},"url":"https://stock-news.laohu8.com/highlight/detail?id=2603415627","pubTimestamp":1768434764,"columns":[],"sourceInfo":{"source_id":"simplywall_highlight","name":"Simply Wall St."},"weMediaInfo":null,"summary":"If you have been wondering whether Truist Financial is priced fairly or offering value right now, this article will walk through what the current share price might be implying.\nThe stock last closed at US$49.83, with a 15.2% return over the past year, a 28.2% return over three years and a 22.0% return over five years. Over the last 7 days and 30 days the returns were a 1.5% decline and 0.2% respectively.\nRecent headlines around Truist Financial have focused on the bank sector more broadly,...","collect":0,"end_time":0,"defaultTopTitle":"simplywall.st","property":[],"viewcount":null,"language":"en","relate_stocks":{"LU2237438978.USD":"Amundi Funds US Pioneer A2 (C) USD","BK4211":"区域性银行","BK4588":"碎股","BK4585":"ETF&股票定投概念","TFC":"Truist Financial Corp"},"translate_title":"Truist Financial(TFC)在最近的股价表现后是否具有价值？","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"TFC":1.5},"content_text":"If you have been wondering whether Truist Financial is priced fairly or offering value right now, this article will walk through what the current share price might be implying. The stock last closed at US$49.83, with a 15.2% return over the past year, a 28.2% return over three years and a 22.0% return over five years. Over the last 7 days and 30 days the returns were a 1.5% decline and 0.2% respectively. Recent headlines around Truist Financial have focused on the bank sector more broadly, with attention on how large regional players are positioning themselves and how investors are reacting to changing expectations for interest rates and credit conditions. These themes help explain why Truist Financial's share price has shown both periods of strength over the last year and short term pull backs. On our checks, Truist Financial scores a 4 out of 6 valuation score, which suggests some areas where the stock screens as potentially undervalued and others where it looks closer to fair value. Next we will walk through the main valuation approaches before finishing with a way to think about valuation that goes beyond any single model.  Find out why Truist Financial's 15.2% return over the last year is lagging behind its peers. AdvertisementApproach 1: Truist Financial Excess Returns Analysis The Excess Returns model looks at how much profit Truist Financial can generate over and above the return that shareholders require, based on the capital invested in the business. Instead of focusing on cash flows, it starts with the bank's book value and expected returns on equity to estimate what each share could be worth. For Truist Financial, the model uses a Book Value of US$46.70 per share and a Stable EPS of US$4.80 per share, based on weighted future Return on Equity estimates from 10 analysts. The implied Cost of Equity is US$4.27 per share, so the Excess Return comes out at US$0.53 per share. That excess is supported by an Average Return on Equity of 9.17% and a Stable Book Value of US$52.33 per share, based on estimates from 12 analysts. Bringing these inputs together, the Excess Returns valuation points to an intrinsic value of about US$63.24 per share. Compared with the recent share price of US$49.83, this suggests the stock is around 21.2% undervalued on this model. Result: UNDERVALUED Our Excess Returns analysis suggests Truist Financial is undervalued by 21.2%. Track this in your watchlist or portfolio, or discover 882 more undervalued stocks based on cash flows. TFC Discounted Cash Flow as at Jan 2026 Head to the Valuation section of our Company Report for more details on how we arrive at this Fair Value for Truist Financial. Approach 2: Truist Financial Price vs Earnings For profitable companies like Truist Financial, the P/E ratio is a useful way to relate what you pay for each share to the earnings that support that price. It gives you a quick sense of how many years of current earnings are effectively embedded in today’s share price. What counts as a “normal” or “fair” P/E depends on how the market views a company’s growth potential and risk. Higher expected growth and lower perceived risk usually support a higher P/E, while lower growth expectations or higher risk tend to pull the P/E down. Truist Financial currently trades on a P/E of 12.97x. That sits above the Banks industry average of 11.87x and slightly below the peer average of 13.47x. Simply Wall St’s Fair Ratio for Truist Financial is 14.43x. This Fair Ratio is a proprietary estimate of what the P/E could be, given factors such as earnings growth, industry, profit margins, market cap and risk. It can therefore be more tailored than a simple comparison with peers or the wider industry. Since the Fair Ratio of 14.43x is higher than the current P/E of 12.97x, Truist Financial screens as undervalued on this metric. Result: UNDERVALUED NYSE:TFC P/E Ratio as at Jan 2026 P/E ratios tell one story, but what if the real opportunity lies elsewhere? Discover 1441 companies where insiders are betting big on explosive growth. Upgrade Your Decision Making: Choose your Truist Financial Narrative Earlier we mentioned that there is an even better way to understand valuation. On Simply Wall St’s Community page you can use Narratives, where you tell the story you believe about Truist Financial, link that story to your own assumptions for future revenue, earnings and margins, turn those into a fair value, and then compare that fair value with the current share price. The tool updates automatically when fresh news or earnings arrive. One investor might build a positive Truist Financial Narrative that leans on cost discipline, digital adoption and the higher blended fair value of about US$55.11, while another focuses more on risks like commercial real estate exposure or regulation and builds a more cautious Narrative closer to the lower analyst target of US$46.00. Do you think there's more to the story for Truist Financial? Head over to our Community to see what others are saying! NYSE:TFC 1-Year Stock Price Chart  This article by Simply Wall St is general in nature. We provide commentary based on historical data\n    and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your\n    financial situation. We aim to bring you long-term focused analysis driven by fundamental data.\n    Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material.\n    Simply Wall St has no position in any stocks mentioned.Valuation is complex, but we're here to simplify it.Discover if Truist Financial might be undervalued or overvalued with our detailed analysis, featuring fair value estimates, potential risks, dividends, insider trades, and its financial condition.Access Free AnalysisHave feedback on this article? Concerned about the content? Get in touch with us directly. 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