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As of September 27, 2026, Truist Financial Corporation (TFC) trades at $47.66. CleaRank Financial AI rates it Hold with a fair value of $55.00, 15.4% above the current price. Wall Street's consensus target is $55.00 across 21 analysts. RSI at 24 is in oversold territory, and the price is below its 50-day average of $50.89.
Truist Financial Corporation (TFC)
Truist Financial Corporation NYSE
$47.66
0.4800 (1.02%)
At close: Sep 25, 4:00 PM EDT
AI Analyst Consensus
52 / 100
Truist Financial Corporation (TFC) is currently trading at $47.66, below its 50-day and 200-day moving averages ($50.89 and $49.87), signaling a bearish technical trend. The company's consensus score is 52, aligning with a 'Hold' rating, reflecting a mixed outlook from analysts and AI. Recent earnings have shown positive surprises, but the stock's price reaction has been muted or negative, indicating broader market concerns may be outweighing individual performance. Insiders have been net sellers, with $3.2 million in sales in recent filings, contributing to a moderate sell signal. While the company's fundamentals show a profit margin of 30.69% and a debt-to-equity ratio of 0.01, which are strong relative to its sector, the current price action and insider activity warrant caution. The median analyst price target of $55.00 suggests a potential upside of 15.4%, but this is tempered by the prevailing technical weakness and recent analyst downgrades.
TFC Price Analysis
Market Metrics
Open
$47.28
Day Range
$47.17 to $47.88
Prev Close
$47.18
Volume
7.17M
52-Week Range
$40.78 to $56.20
Market Cap
$58.22B
Peer Benchmarking
Valuation vs Sector (Financial Services)
Performance vs KBE
Sector Position Analysis
Trading at a notable discount to sector peers (-34%), which may indicate undervaluation or specific company headwinds.
TFC Financial Performance
Revenue vs. Earnings
Annual
Quarterly
Earnings Reality Check
Analysis: In the last 2 quarters, TFC beat estimates 2 times. However, the stock fell 1 times the next day. This suggests positive news is often "priced in" or investors are selling the news.
TFC Analysis
Company's Health
3/5
12-Month Analyst Target
+15.40% Upside
Median of 21 analysts (12-month)
$55.00
AI Technical Analysis
Truist Financial Corporation is trading below its 50-day and 200-day moving averages ($50.89 and $49.87), indicating a bearish trend. The RSI is at 23.92, signaling oversold conditions, which could suggest a potential for a short-term bounce, though this is not a guarantee of a trend reversal. MACD is also negative, reinforcing the bearish momentum. Key support levels are not clearly defined due to the current downward trend, but the 52-week low is a critical level to watch. Volume has been below average recently, suggesting a lack of strong conviction from either buyers or sellers. The current technical setup points to continued pressure unless significant buying volume emerges to challenge the moving averages.
ProTips
- Consider the oversold RSI (23.92) as a potential short-term buying opportunity, but confirm with increased volume and a break above the 50-day SMA.
- Monitor insider transactions closely; a shift from net selling to net buying could signal increased confidence from management.
- Given the current 'Hold' consensus and bearish technicals, consider a strategy that allows for flexibility, such as dollar-cost averaging on dips rather than a lump-sum investment.
Key Catalysts
Bearish
Moderate Insider Selling Continues
Insiders have sold $3.2 million worth of TFC stock across 27 transactions, contributing to a moderate sell signal and potentially weighing on investor sentiment.
Source: Insider Trading DataBearish
Bearish Technical Trend Persists
The stock is trading below its 50-day and 200-day moving averages ($50.89 and $49.87), indicating a bearish trend and potential for further downside if support levels are breached.
Source: Technical AnalysisBullish
Oversold RSI Suggests Potential Reversal
The Relative Strength Index (RSI) is at 23.92, indicating oversold conditions that may precede a short-term price bounce or reversal.
Source: Technical AnalysisBullish
Earnings Beat Exceeds Expectations
Truist Financial Corporation recently reported EPS exceeding estimates by 13.89% for the quarter ending June 2026, demonstrating operational efficiency.
Source: Earnings ReportNeutral
Analyst Sentiment Mixed with Recent Downgrades
While the overall consensus is 'Hold', several recent analyst rating changes have been downgrades, indicating a cautious view from some market participants.
Source: Analyst RatingsMarket Outlook
Truist Financial Corporation's base case outlook suggests a potential recovery towards its median analyst target price of $55.00 over the next 6-12 months, implying a 15.4% upside from the current price. This projection is supported by reasonable valuation metrics and strong underlying profitability, despite current technical weakness. The company's solid balance sheet and modest revenue growth estimates provide a stable foundation. However, the outlook is contingent on overcoming current technical headwinds and improving investor sentiment. A failure to break above key moving averages or continued insider selling could pressure the stock lower, potentially testing the downside projection of $23.91 from the long-range simulation. Positive catalysts could include a shift in analyst sentiment, a significant improvement in market conditions for regional banks, or a clear signal of insider buying.
Key Statistics
| Market Cap | 58.22B |
|---|---|
| P/E Ratio | 10.96 |
| EPS (TTM) | 4.35 |
| Dividend Yield | 4.36% |
| 52 Week High | 56.20 |
| 52 Week Low | 40.78 |
Truist Financial Corporation's valuation appears reasonable with a P/E ratio of 10.96, which is below the sector median of 16.5. Its price-to-sales ratio of 3.06 is also below the sector average of 3.8, suggesting it may be undervalued on a sales basis. The company's return on equity stands at 9.06%, slightly below the sector average of 13.8%, but its profit margin of 30.69% and operating margin of 39.82% are notably strong. The company's balance sheet is strong, with a very low debt-to-equity ratio of 0.01, indicating minimal financial leverage. Despite the solid fundamental metrics, the current stock price is not reflecting this strength, potentially due to broader market sentiment or specific concerns within the financial services sector. The forward revenue growth estimates for the current and next year are modest at +3.00% and +4.00% respectively, suggesting a period of slower expansion.
Earnings & Growth Analysis
Truist Financial Corporation recently reported earnings for the quarter ending June 2026, with an EPS of $1.23, beating the estimate of $1.08 by 13.89%. However, the stock experienced a price decline of 2.86% following this report. In the prior quarter ending March 2026, the company also beat estimates with an EPS of $1.09 versus $1.00, but saw a modest price increase of 0.53%. This pattern suggests that while earnings are exceeding expectations, the market reaction has been cautious, potentially due to forward guidance or broader economic concerns.
Key Risks
Truist Financial Corporation faces risks from its current bearish technical trend, trading below key moving averages and showing oversold conditions on the RSI. Moderate insider selling, with $3.2 million in sales, indicates a lack of strong conviction from management in the near term. Also, recent analyst downgrades from multiple firms suggest potential headwinds or a reassessment of the company's growth prospects by Wall Street.
Technical Indicators
| RSI (14) | 23.92 |
|---|---|
| MACD | -0.95 |
| SMA 50 | 50.89 |
| SMA 200 | 49.87 |
RSI
Oversold
SMA Cross
Bullish
Price vs SMA
Bearish
MACD
Bearish
Golden Cross in effect with the 50-day SMA ($50.89) above the 200-day SMA ($49.87), price is trading below the 50-day SMA, RSI at 23.9 suggests oversold conditions; potential bounce setup.
Market Correlations
How this stock moves relative to other assets
Based on 1 year of daily price data. Correlations may vary over different time periods.
S&P 500 (SPY)
+0.61
Moderate correlation
Nasdaq 100 (QQQ)
+0.46
Moderate correlation
Bitcoin (BTC)
+0.13
Weak correlation
Gold (XAU)
-0.02
Weak correlation
Check Custom Correlation
How does any other asset move with TFC? One year of daily closes, Pearson correlation.
Try
TFC Trade Plans
Specific entry, exit, and risk management levels
Select Your Trade Bias
Risk Tolerance
Conservative
2%
Aggressive
Portfolio Value
$
Position Size: Enter portfolio size →
Entry Strategies pick an entry style
Conservative
$47.18
Slight discount to current
Wait for small dip
Aggressive
$47.66
At current price
Enter now if confident
Risk Management
STOP LOSS
$45.63
MAX LOSS
-3.3%
Volatility-Adjusted Stop Loss
Calculated based on RSI (23.9) and current market volatility
Profit Targets (Based on Conservative Entry)
TARGET 1
$48.60
+3% (Conservative)
+2.0% (Aggressive)
TARGET 2
$49.54
+5% (Conservative)
+4.0% (Aggressive)
TARGET 3
$50.96
+8% (Conservative)
+6.9% (Aggressive)
Consider scaling out: Take 50% profit at Target 1, 30% at Target 2, let 20% run to Target 3
Calculate Your Trade
Disclaimer
This AI-generated trade plan for TFC is for educational and informational purposes only and does not constitute financial advice. The analysis is based on historical data patterns and technical indicators which may not predict future results. Stock trading involves risk of loss. Verify all data independently and consult a qualified financial advisor. Generated on September 27, 2026.Growth of $10,000
A $10,000 investment in TFC in September 2016 would be worth about $12,743 today, compared with about $35,782 for the same investment in the S&P 500 benchmark.
Compare with Another Ticker
Monte Carlo Projection (10yr)
CleaRank's 10-year Monte Carlo simulation projects that a $10,000 investment in TFC today could grow to about $15,669 by 2036 in the base case, with a bull case near $61,950 and a bear case around $3,963. Projections are statistical simulations, not guarantees.
TFC Stock Price Prediction: 2030
CleaRank's simulation projects a price near $57.04 for TFC by 2030 in the base case, from $47.66 today (1.2x over 4 years). The downside path ends near $23.91. These are outcomes of a Monte Carlo simulation run on TFC's historical return distribution, not price targets, and they assume no dividends are reinvested.
| Year | Downside (10th pct) | Base case | Upside (90th pct) |
|---|---|---|---|
| 2027 | $32.27 | $49.85 | $76.99 |
| 2028 | $28.19 | $52.14 | $96.42 |
| 2029 | $25.68 | $54.53 | $116 |
| 2030 | $23.91 | $57.04 | $136 |
| 2031 | $22.57 | $59.66 | $158 |
| 2032 | $21.51 | $62.40 | $181 |
| 2033 | $20.66 | $65.26 | $206 |
| 2034 | $19.96 | $68.26 | $233 |
| 2035 | $19.38 | $71.40 | $263 |
| 2036 | $18.89 | $74.68 | $295 |
Method: 10,000 simulated price paths using TFC's historical volatility and drift, re-run daily. The base case is the median path; the two outer columns are the 10th and 90th percentile outcomes, which widen with time because uncertainty compounds. Simulations are not guarantees, and past volatility does not predict future returns. This is analysis, not investment advice.
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TFC Insider Trading Analysis
Bought
None
No open-market buys
Sold
$3.2M
7 Transactions
Insiders
12
Active Traders
Avg Transaction
$460.9K
Moderate size
| Date | Insider | Type | Shares | Value |
|---|---|---|---|---|
| Nov 21, 2019 | KING KELLY S
Chief Executive Officer
|
Sell | 201.8K | $10.9M |
| Jan 22, 2021 | ROGERS WILLIAM H JR
President
|
Sell | 176.4K | $8.9M |
| Jul 20, 2022 | ROGERS WILLIAM H JR
Chief Executive Officer
|
Sell | 142.6K | $6.8M |
| Oct 18, 2021 | BIBLE DARYL N
Chief Financial Officer
|
Sell | 108.4K | $6.7M |
| Oct 18, 2021 | KING KELLY S
Director
|
Sell | 71.6K | $4.4M |
| Nov 3, 2021 | CUMMINS HUGH S III
Officer
|
Sell | 59.1K | $3.8M |
| Jul 17, 2020 | ROGERS WILLIAM H JR
President
|
Sell | 86.3K | $3.2M |
| Jan 22, 2021 | STARNES CLARKE R III
Officer
|
Sell | 48.2K | $2.5M |
| Oct 19, 2021 | STARNES CLARKE R III
Officer
|
Sell | 37.6K | $2.3M |
| Jan 27, 2023 | CUMMINS HUGH S III
Officer
|
Sell | 35.2K | $1.7M |
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Frequently Asked Questions
Is Truist Financial Corporation stock a buy right now?
Truist Financial Corporation (TFC) is currently rated a 'Hold' with a consensus score of 52. While the stock is trading below its key moving averages and insiders are net sellers, the median analyst target price of $55.00 suggests potential upside from the current price of $47.66. Investors should weigh the oversold technical conditions against the moderate insider selling and recent analyst downgrades.
What is Truist Financial Corporation's price target for 2030?
Based on Monte Carlo simulations, Truist Financial Corporation's long-range projection for 2030 shows a base case price of $57.04, with a downside projection of $23.91 and an upside projection of $136.07. These figures represent statistical outcomes and are not definitive price targets.
How are Truist Financial Corporation's recent earnings?
Truist Financial Corporation recently beat earnings estimates for the quarter ending June 2026, reporting $1.23 per share against an expected $1.08. Despite this beat, the stock saw a price decline of 2.86%, indicating a cautious market reaction.
What is the analyst consensus for Truist Financial Corporation?
The current Wall Street consensus for Truist Financial Corporation is 'Hold', with a score of 52 out of 100. This is based on ratings from 21 analysts, with the majority holding a 'Hold' rating.
What are the key technical indicators for Truist Financial Corporation?
Truist Financial Corporation's technical indicators show a bearish trend, with the stock trading below its 50-day and 200-day moving averages ($50.89 and $49.87). The RSI is in oversold territory at 23.92, suggesting a potential for a short-term bounce, while the MACD indicates negative momentum.
Are insiders buying or selling Truist Financial Corporation stock?
Insiders at Truist Financial Corporation are net sellers, with $3.2 million in total sales in recent filings and no reported purchases. This activity contributes to a moderate sell signal, suggesting a cautious stance from management.
How does Truist Financial Corporation compare to its sector averages?
Truist Financial Corporation's P/E ratio of 10.96 is below the sector median of 16.5, and its price-to-sales ratio of 3.06 is also below the sector average of 3.8. While its return on equity of 9.06% is lower than the sector median of 13.8%, its profit margin of 30.69% and debt-to-equity ratio of 0.01 are strong compared to industry averages.