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/research/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.

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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13F Pro Quality Score

Not in ranked universe

Pending next ranking run

This company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. Rankings refresh on Jan 1, Apr 1, Jul 1, Oct 1.

Financial data, filings, and institutional holdings below are still tracked in full — only the proprietary quality composite is unavailable for this name.

TFC Stock Analysis & AI Quality Score

AI stock analysis and institutional research for TRUIST FINANCIAL CORP (TFC), a Financials sector company. TFC is not currently included in 13F Pro's AI-ranked quality universe — this company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. rankings refresh on jan 1, apr 1, jul 1, oct 1. Based on the latest XBRL financial filings (Q1 2026), TRUIST FINANCIAL CORP reports quarterly revenue of $5.2B, net income of $1.5B, an operating margin of 32.8%. 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.

Revenue

Q1 2026

$5.2B

Net Income

Q1 2026

$1.5B

Free Cash Flow

Q1 2026

$679.0M

Operating Margin

Q1 2026

32.8%

ROIC

Q1 2026

1.6%

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

EPS (Diluted)

-0.9% YoY

$4.43FY 2022

FY19 $3.71FY20 $3.08FY21 $4.47FY22 $4.43

Total Assets

+2.6% YoY

$555.25BFY 2022

FY19 $473.08BFY20 $509.23BFY21 $541.24BFY22 $555.25B

Total Debt

+61.7% YoY

$66.63BFY 2022

FY19 $59.56BFY20 $45.69BFY21 $41.20BFY22 $66.63B

Op. Cash Flow

+40.4% YoY

$11.08BFY 2022

FY19 $1.52BFY20 $7.44BFY21 $7.89BFY22 $11.08B

Metric	FY 2022	FY 2021	FY 2020	FY 2019	FY 2017	FY 2015
EPS (Diluted)	$4.43 -0.9%	$4.47 +45.1%	$3.08 -17.0%	$3.71 +35.4%	$2.74 +7.0%	$2.56
Total Assets	$555.25B +2.6%	$541.24B +6.3%	$509.23B +7.6%	$473.08B +113.4%	$221.64B +5.6%	$209.95B
Total Debt	$66.63B +61.7%	$41.20B -9.8%	$45.69B -23.3%	$59.56B +108.3%	$28.59B +4.5%	$27.36B
Operating Cash Flow	$11.08B +40.4%	$7.89B +6.1%	$7.44B +389.3%	$1.52B -67.2%	$4.63B +59.0%	$2.92B

AI Insight: TFC Financial Trends

Data is too sparse to assess revenue or profitability trends; only operating cash flow and total debt are observable across the eight quarters.

• Operating CF surged to $2,582M in Q4 2025, the highest in the observed period, before dropping sharply to $679M in Q1 2026.

• Total debt rose from $57,432M in Q2 2024 to $71,105M in Q3 2025, a ~$13.7B increase over five quarters.

• Total debt declined modestly from $71,105M in Q3 2025 to $69,063M in Q1 2026, suggesting early deleveraging.

⚠ Q1 2026 Op CF of $679M is the lowest in eight quarters — monitor whether this signals a structural cash generation slowdown.

⚠ Equity slipped from $65,189M in Q4 2025 to $64,214M in Q1 2026; only two equity data points limit trend confidence.

AI Insight: TFC Ratio Trends

ROIC collapsed from ~11% range in early 2025 to ~5% by Q4 2025–Q1 2026, signaling a sharp step-down in capital efficiency.

• ROIC averaged ~10.7% across Q3 2024–Q1 2025 before falling to 9.9% in Q2 2025 and 9.8% in Q3 2025.

• ROIC dropped to 4.6% in Q4 2025 and held near that level at 5.1% in Q1 2026 — roughly half prior-year levels.

• D/E ratio was stable at 1.07–1.08 across Q4 2025 and Q1 2026, suggesting leverage is not the driver of ROIC compression.

⚠ ROIC at 5.1% in Q1 2026 remains far below Q1 2025's 11.0% — recovery trajectory is unclear without margin data.

⚠ Q2 2024's -36.4% ROIC spike indicates a large one-off charge; confirm no similar impairment is embedded in recent quarters.

⚠ Absence of OpMargin, ROE, and ROA data limits diagnostic depth; these gaps should be resolved before drawing firm conclusions.

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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.
$4.5B98,334,407 sh
Capital International Investors
$3.9B84,512,937 sh
VANGUARD CAPITAL MANAGEMENT LLC
$3.7B81,496,408 sh
STATE STREET CORP
$2.7B58,191,593 sh
BANK OF AMERICA CORP /DE/
$1.7B37,921,435 sh
GEODE CAPITAL MANAGEMENT, LLC
$1.5B31,848,304 sh
VICTORY CAPITAL MANAGEMENT INC
$1.2B26,936,449 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$1.1B24,096,665 sh
MORGAN STANLEY
$992.9M21,597,973 sh
CHARLES SCHWAB INVESTMENT MANAGEMENT INC
$815.1M17,700,985 sh

Fund	Value	Shares
BlackRock, Inc.	$4.5B	98,334,407
Capital International Investors	$3.9B	84,512,937
VANGUARD CAPITAL MANAGEMENT LLC	$3.7B	81,496,408
STATE STREET CORP	$2.7B	58,191,593
BANK OF AMERICA CORP /DE/	$1.7B	37,921,435
GEODE CAPITAL MANAGEMENT, LLC	$1.5B	31,848,304
VICTORY CAPITAL MANAGEMENT INC	$1.2B	26,936,449
VANGUARD PORTFOLIO MANAGEMENT LLC	$1.1B	24,096,665
MORGAN STANLEY	$992.9M	21,597,973
CHARLES SCHWAB INVESTMENT MANAGEMENT INC	$815.1M	17,700,985

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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.

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.