TFC Truist Financial

bank · 2026-10-16

N/A

too hard · 37

Owner-earnings value$47.96

Price$46.57

Margin of safety +3.0%

Quality gate · 37/100

Returns on capital 4.9/30

Consistency 11.2/22

Margins / pricing power 4/16

Balance sheet 6.0/16

Cash conversion 5.0/10

Capital allocation 5.6/6

⚠ weak through-cycle ROE (8%)

Median ROE7.8%

FCF conversion177%

Share count / yr-1.6%

Profitable years3/4

Moat & management

Owner-earnings inputs

Owner earnings (TTM)	5.53B
Owner-earnings yield	9.7%
Free-cash-flow yield	10.0%
Growth used (normalized)	0.6%
Terminal growth	3.0%
Discount rate (hurdle)	9.2%

⚠ financial — owner earnings ≈ net income · financial — valued by residual income (ROE vs cost of equity on book equity)

Date	Quality	Price	Value	MoS	Rating
2026-10-16	37	$46.57	$47.96	+3.0%	N/A
2026-09-29	37	$47.09	$48.29	+2.5%	N/A
2026-09-10	37	$50.15	$51.35	+2.4%	N/A
2026-08-24	37	$50.42	$51.87	+2.9%	N/A
2026-08-05	37	$52.66	$52.81	+0.3%	N/A
2026-07-17	37	$53.25	$52.08	-2.2%	N/A
2026-07-02	37	$50.89	$52.54	+3.3%	N/A
2026-06-25	44	$49.79	$53.19	+6.8%	N/A
2026-06-23	44	$49.67	$52.39	+5.5%	N/A

Date

Quality

Price

Value

MoS

Rating

2026-10-16

$46.57

$47.96

+3.0%

N/A

2026-09-29

$47.09

$48.29

+2.5%

N/A

2026-09-10

$50.15

$51.35

+2.4%

N/A

2026-08-24

$50.42

$51.87

+2.9%

N/A

2026-08-05

$52.66

$52.81

+0.3%

N/A

2026-07-17

$53.25

$52.08

-2.2%

N/A

2026-07-02

$50.89

$52.54

+3.3%

N/A

2026-06-25

$49.79

$53.19

+6.8%

N/A

2026-06-23

$49.67

$52.39

+5.5%

N/A

Quality gate · 37/100

Moat & management

Owner-earnings inputs

History