TRUIST FINANCIAL CORP(TFC)— Stock Profile, AI Score & Financials
Financials · NYSE · AI-powered stock analysis, 32-signal quality score, SEC EDGAR financials, and institutional holdings. Updated .
TRUIST FINANCIAL CORP (TFC) stock profile, AI quality score, and SEC EDGAR financial data, a Financials sector company. 13F Pro's AI-powered ranking engine scores TFC at 76.4/100 on a 32-signal composite quality model, placing it at rank #85 of 2,960 stocks — the top 5% of the AI-ranked universe. TFC scores in the top quartile across revenue scale (92.7), profitability (88.3), revenue growth (85.6). Areas of concern include earnings quality (32.4), which score below median versus the broader universe. Shareholder dilution risk is elevated at 45.3/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q2 2026), TRUIST FINANCIAL CORP reports quarterly revenue of $5.3B, net income of $1.6B, an operating margin of 34.5%. Top institutional holders of TFC by reported 13-F value include BlackRock, Capital International Investors, VANGUARD CAPITAL MANAGEMENT, based on the most recent SEC filings. TFC trades on the NYSE exchange and files with the SEC under CIK 92230. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate TFC daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for TRUIST FINANCIAL CORP directly from SEC EDGAR.
AI Quality Score
76.4/100
AI Rank
#85
Revenue
$5.3B
Net Income
$1.6B
Operating Margin
34.5%
TFC key financials by period
TRUIST FINANCIAL CORP reported revenue, net income and margins by fiscal period, from SEC filings.
Period
Form
Revenue
Net income
Operating margin
FY 2025
10-K
$20.3B
—
31.3%
FY 2024
10-K
$13.3B
—
-4.5%
FY 2023
10-K
$20.1B
—
-3.8%
FY 2022
10-K
$20.0B
—
35.2%
FY 2021
10-K
$22.3B
—
35.9%
FY 2020
10-K
$22.7B
—
24.1%
Institutions holding TFC
Institutional investors reporting a position in TRUIST FINANCIAL CORP on SEC Form 13F.
AI-extracted from the 10-Q filed 2026-07-31 — Q2 FY2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.
Truist delivered strong Q2 2026 results with diluted EPS of $1.23, up 37% YoY, driven by higher fee income, disciplined credit performance, and $1.8B capital returned to shareholders.
Biggest Revenue Drivers
Net Interest Income - TE$3.7B+0.9% YoY
Driven by higher earning assets and loan growth, partially offset by lower loan spreads and fixed-rate debt repricing.
Noninterest Income$1.6B+17% YoY
Increases in investment banking and trading income and wealth management income.
Biggest Revenue Drivers
Total revenue: $5.3B+5.5% YoY
Net Interest Income - TE$3.7B+0.9% YoY
Driven by higher earning assets and loan growth, partially offset by lower loan spreads and fixed-rate debt repricing.
Noninterest Income$1.6B+17% YoY
Increases in investment banking and trading income and wealth management income.
Largest Expense Items
Personnel Expense$1.8B+6.8% YoY
Higher salaries and incentives, partially offset by lower benefit expenses.
Professional Fees and Outside Processing$335M-10.2% YoY
Decreased primarily due to completion of various projects.
Margins: NIM-TE declined 4 basis points YoY to 2.98%, driven by lower loan spreads and fixed-rate debt repricing, partially offset by higher earning assets and deposit spreads. The yield on average total loans declined 33 basis points while deposit costs fell 29 basis points.
Watch Items from the Filing
Nonperforming loans increased to 0.51% of loans HFI (up 3 bps vs Dec 31, 2025), with indirect auto NPLs rising due to enhanced nonaccrual criteria for cumulative payment extensions at/above 12 months as of Jan 1, 2026.
Bickerstaff v. SunTrust Bank settlement approved May 26, 2026: Truist contributing up to $240M to settlement fund for overdraft fee claims (originally estimated at ~$478M including prejudgment interest).
CET1 ratio improved to 10.9% at June 30, 2026 (vs 10.8% Dec 31, 2025) despite $2.4B common stock repurchases and $1.4B dividends, reflecting strong earnings and reduced risk-weighted assets.
Liquidity position solid: average LCR of 113% (vs 100% regulatory minimum), $92.8B average eligible HQLA, and $212.1B total available secured borrowing capacity plus eligible cash at Federal Reserve.
AI-extracted and verified against SEC EDGAR filing text. Not investment advice.
