What is Truist Financial Corporation (TFC) DCF Fair Value and Intrinsic Value in 2026?

Truist Financial Corporation (TFC) intrinsic value is calculated using conservative multi-stage Discounted Cash Flow (DCF) models, 5-year free cash flow trajectories, Graham Numbers, and owner earnings multiples. LocalAlpha tracks real-time margin of safety against live market prices.

What is Truist Financial Corporation's historical Return on Invested Capital (ROIC) and Moat Rating?

Truist Financial Corporation operates in the Financials sector (Banks - Regional) with an economic moat rating of NARROW. LocalAlpha tracks 5-year audited quarterly ROIC, operating margin stability, and balance sheet solvency ratios.

What is Truist Financial Corporation's financial health rating and Piotroski F-Score?

Truist Financial Corporation's balance sheet quality is evaluated using the 9-point Piotroski F-Score, Altman Z-Score solvency model, debt-to-equity ratio, and quick/current liquidity coverage to guard against financial distress.

How does LocalAlpha monitor Truist Financial Corporation (TFC) for quarterly SEC filing thesis breaks?

LocalAlpha audits Truist Financial Corporation's 10-K, 10-Q, and 8-K regulatory filings on SEC EDGAR within 15 minutes of release. If reported metrics breach an investor's custom ROIC floor, operating margin boundary, or qualitative risk criteria, an autonomous breach audit is dispatched immediately.

StocksTFC

TFC

Truist Financial CorporationFinancial Services / Banks - RegionalINTACT

Truist Financial Corporation, a financial services company, provides banking and trust services in the Southeastern and Mid-Atlantic United States. The company operates through two segments, Consumer and Small Business Banking; and Wholesale Banking. Its deposit products include noninterest-bearing checking, interest-bearing checking, savings, and money market deposit accounts, as well as certificates of deposit and individual retirement accounts. The company also provides funding; asset management; credit card lending; home equity and mortgage lending; other direct retail lending; home mortgage lending; Investment brokerage services; mobile/online banking; payment solutions; point-of-sale lending; retail and small business deposit products; and small business lending. In addition, it offers asset-based lending, commercial deposit and treasury services; commercial lending; floor plan lending; derivatives; institutional trust services; insurance premium finance; international banking; investment banking and capital markets services; leasing; merchant services; mortgage warehouse lending; real estate lending; supply chain financing; and wealth management/private banking. The company was formerly known as BB&T Corporation and changed its name to Truist Financial Corporation in December 2019. Truist Financial Corporation was founded in 1872 and is headquartered in Charlotte, North Carolina.

Share Price

$50.40

52W: $40.78 - $56.2

DCF Fair Value

$113.28

+55.5% MoS

Thesis Hub

P/E (TTM)

11.6x

ROIC

29.9%

Operating Margin

39.8%

FCF Yield

8.2%

Debt / Equity

0.65x

Piotroski Score

7/9

Altman Z-Score

3.08

Market Cap

$61.6B

Price vs. Intrinsic Value Corridor

Margin of Safety Buy Zone (<25% Discount)

Historical market price overlaid against conservative DCF Fair Value & Benjamin Graham Margin of Safety bands.

Period Return (1Y)

—()

Period Range

$— - $—

DCF Fair Value

$113.28

MOS Buy Target (-25%)

$84.96

Valuation Overlays: DCF Fair Value ($113.28) 25% MOS Buy Target ($84.96) Revised Graham ($153.12) Graham Number ($68.57)

2-Stage Discounted Cash Flow (DCF) Workbench

Conservative intrinsic value model based on owner cash generation over a 10-year investment horizon. Opens with LocalAlpha's baseline assumptions (matching the fair value shown above) — adjust any input to stress-test.

Current Market Price

$50.40

DCF Fair Value

$113.27

+55.5% MoS

Starting Free Cash Flow ($M)$5,048M

$100M$5,048M (Reported)$50,000M

Stage 1 Growth (Years 1-5)18.0%

-5%10% (Target)35%

Stage 2 Growth (Years 6-10)4.5%

0%5%20%

Discount Rate (WACC / Hurdle)9.0%

6%9% (Standard)15% (High Risk)

Terminal Perpetual Growth2.5%

1% (GDP Floor)2.5% (Inflation)4.0%

Net Debt ($M)$22,800M

-$100B CashBalance Sheet+$150B Debt

10-Yr PV of Cash Flows

$65.4B

PV of Terminal Value

$95.9B

Implied Enterprise Value

$161.2B

Implied Equity Value

$138.4B

Year	Yr 1	Yr 2	Yr 3	Yr 4	Yr 5	Yr 6	Yr 7	Yr 8	Yr 9	Yr 10
Projected FCF ($M)	$5,957	$7,029	$8,294	$9,787	$11,549	$12,068	$12,611	$13,179	$13,772	$14,392
Present Value (PV)	$5,465	$5,916	$6,405	$6,933	$7,506	$7,196	$6,899	$6,614	$6,341	$6,079

Benjamin Graham & Buffett Value Models

Classical deep value metrics based on asset backing, normalized earnings power, and owner cash yield.

Graham Number+26.5% MoS

$68.57

Calculated as √(22.5 × EPS × BVPS). The maximum theoretical price a defensive investor should pay based purely on asset book value and current earnings.

EPS: $4.35BVPS: $48.04

Revised Graham Formula+67.1% MoS

$153.12

Formula: V = (EPS × (8.5 + 2g) × 4.4) / Y where g is the conservative 7-10 yr growth rate and Y is AAA Bond Yield.

Growth Rate (g%)

Bond Yield (Y%)

Buffett Owner Earnings7.8% Yield

$3.92 / share

True distributable cash flow: Net Income + D&A - Maintenance CapEx. Reflects the cash Buffett would extract without hurting unit volume.

Total: $4.8BYield: 7.8%

Reverse DCF: Market Growth Expectation

EXTREMELY LOW BARRIER

-0.9% CAGR (Next 10 Yrs)

At the current price of $50.40, the market is assuming the business will compound Free Cash Flow at -0.9% per year for the next decade with a 9% hurdle rate.

Value Investor Verdict

✓ Low market hurdle: Easy for a wide-moat compounder to beat.

Autonomous Thesis Underwriting

Surveil TFC with Mathematical Margin of Safety Rules

Set non-negotiable floor rules for Truist Financial Corporation. If a newly filed quarterly 10-Q breaks your ROIC floor, operating margin boundary, or balance sheet leverage rules, receive an autonomous breach audit within 15 minutes.

Buffett Quality

ROIC > 15% • Margin > 15% • D/E < 0.5x

Margin Floor Guard

Current Margin 39.8% • Floor > 10%

Solvency Guard

Altman-Z > 2.6 • Current Ratio > 1.5x

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Frequently Asked Questions: Truist Financial Corporation (TFC) Intrinsic Valuation

Audited fundamentals, DCF intrinsic value sensitivity, and thesis break detection parameters for Truist Financial Corporation.

Based on institutional multi-stage Discounted Cash Flow (DCF) modeling on audited SEC cash flows, Truist Financial Corporation has an estimated DCF intrinsic fair value of $113.28 per share compared to its current market price of $50.40. This represents an estimated 55.5% margin of safety (trading below fair value). Additionally, its classic Benjamin Graham Number stands at $68.57.