What is the 13F Pro Quality Score for TFC?

13F Pro ranks TRUIST FINANCIAL CORP (TFC) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View TFC's current score at https://13fpro.ai/company/TFC (free sign-up required for the full ranking).

Where does 13F Pro source TFC data?

All TRUIST FINANCIAL CORP fundamentals and ownership data come directly from SEC EDGAR. TRUIST FINANCIAL CORP files with the SEC under CIK 92230. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is TFC in?

TRUIST FINANCIAL CORP (TFC) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

What drives TFC's revenue?

Per TRUIST FINANCIAL CORP's latest 10-Q filed with the SEC on 2026-07-31, the biggest revenue drivers are: Net Interest Income - TE ($3.7B, +0.9% YoY); Noninterest Income ($1.6B, +17% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/company/TFC.

What are TFC's largest expenses?

TRUIST FINANCIAL CORP's latest 10-Q reports these as the largest expense items: Personnel Expense ($1.8B, +6.8% YoY); Professional Fees and Outside Processing ($335M, -10.2% YoY). Sourced directly from SEC EDGAR filing text for Q2 FY2026 (quarter ended June 30, 2026).

How often is TFC research updated on 13F Pro?

TFC's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

TRUIST FINANCIAL CORP(TFC)Stock Analysis

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SEC EDGAR: CIK 92230 TFC stock profile & AI dashboard →

13F Pro Quality Score

76.4/100

Rank #85 of 2,961 stocksTOP 5%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

85.6/100

Profitability

88.3/100

Balance Sheet

43.4/100

Earnings Quality

32.4/100

Free Cash Flow

81.4/100

Institutional Flow

65.6/100

Revenue Scale

92.7/100

Dilution Risk

45.3/100

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Why TFC Scores 76/100

exact factor attribution · 2026-09-11

TFC's composite is driven by revenue growth and scale, held back by earnings quality. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Revenue growth

+9.5 pts

86th pct

Scale

+8.5 pts

93th pct

Profitability

+7.7 pts

88th pct

Free cash flow

+4.7 pts

81th pct

Institutional flow

+1.0 pts

66th pct

Earnings growth

+0.9 pts

63th pct

Shareholder dilution

-0.3 pts

45th pct

Capital efficiency

-0.9 pts

43th pct

Earnings quality

-1.8 pts

32th pct

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

TFC Stock Analysis & AI Quality Score

Data updated 2026-09-11

AI stock analysis and institutional research for TRUIST FINANCIAL CORP (TFC), 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 2,961 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. TRUIST FINANCIAL CORP's 13F Pro composite quality score has ranged between 34 and 76 since 2026, currently 76.4 — an improving long-term trajectory across 8 quarterly and live scoring snapshots.

What's Driving TFC's Business? Latest 10-Q Breakdown

✓ 15/15 datapoints verified

AI-extracted from TRUIST FINANCIAL CORP's 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.

Read the full 10-Q on SEC EDGAR →Share on X

Revenue

Q2 2026

$5.3B

Net Income

Q2 2026

$1.6B

Operating Margin

Q2 2026

34.5%

ROIC

Q2 2026

5.4%

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+53.0% YoY

$20.32BFY 2025

FY22 $19.97BFY23 $20.09BFY24 $13.28BFY25 $20.32B

EPS (Diluted)

+13.7% YoY

$3.82FY 2025

FY22 $4.43FY23 $-1.09FY24 $3.36FY25 $3.82

Total Assets

+3.1% YoY

$547.54BFY 2025

FY22 $555.25BFY23 $535.35BFY24 $531.18BFY25 $547.54B

Total Debt

+8.8% YoY

$69.80BFY 2025

FY22 $66.63BFY23 $63.75BFY24 $64.16BFY25 $69.80B

Op. Cash Flow

+165.2% YoY

$5.74BFY 2025

FY22 $11.08BFY23 $8.63BFY24 $2.16BFY25 $5.74B

Free Cash Flow

—FY 2025

FY22 $10.52BFY23 —FY24 —FY25 —

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$20.32B +53.0%	$13.28B -33.9%	$20.09B +0.6%	$19.97B -10.4%	$22.29B -1.8%	$22.70B
EPS (Diluted)	$3.82 +13.7%	$3.36 +408.3%	$-1.09 -124.6%	$4.43 -0.9%	$4.47 +45.1%	$3.08
Total Assets	$547.54B +3.1%	$531.18B -0.8%	$535.35B -3.6%	$555.25B +2.6%	$541.24B +6.3%	$509.23B
Total Debt	$69.80B +8.8%	$64.16B +0.7%	$63.75B -4.3%	$66.63B +61.7%	$41.20B -9.8%	$45.69B
Operating Cash Flow	$5.74B +165.2%	$2.16B -74.9%	$8.63B -22.1%	$11.08B +40.4%	$7.89B +6.1%	$7.44B
Free Cash Flow	—	—	—	$10.52B +41.2%	$7.45B +12.5%	$6.62B

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Available Research

13F Pro tracks comprehensive data for TRUIST FINANCIAL CORP including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of TFC

BlackRock, Inc.
$5.0B99,555,076 sh
Capital International Investors
$4.7B93,340,762 sh
VANGUARD CAPITAL MANAGEMENT LLC
$4.1B81,312,502 sh
STATE STREET CORP
$2.9B58,692,619 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$2.1B41,888,944 sh
BANK OF AMERICA CORP /DE/
$1.8B36,838,125 sh
GEODE CAPITAL MANAGEMENT, LLC
$1.6B31,929,268 sh
MORGAN STANLEY
$1.1B22,539,416 sh
CHARLES SCHWAB INVESTMENT MANAGEMENT INC
$877.2M17,608,073 sh
VICTORY CAPITAL MANAGEMENT INC
$782.3M15,702,067 sh

Fund	Value	Shares
BlackRock, Inc.	$5.0B	99,555,076
Capital International Investors	$4.7B	93,340,762
VANGUARD CAPITAL MANAGEMENT LLC	$4.1B	81,312,502
STATE STREET CORP	$2.9B	58,692,619
VANGUARD PORTFOLIO MANAGEMENT LLC	$2.1B	41,888,944
BANK OF AMERICA CORP /DE/	$1.8B	36,838,125
GEODE CAPITAL MANAGEMENT, LLC	$1.6B	31,929,268
MORGAN STANLEY	$1.1B	22,539,416
CHARLES SCHWAB INVESTMENT MANAGEMENT INC	$877.2M	17,608,073
VICTORY CAPITAL MANAGEMENT INC	$782.3M	15,702,067

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Is TFC a good stock to buy?

13F Pro's AI-powered analysis of TRUIST FINANCIAL CORP (TFC) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on NYSE). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for TFC are available on the TFC stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing. TFC is classified as a large company.

Which hedge funds own TFC?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling TFC. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of TRUIST FINANCIAL CORP's investment landscape.