Truist Financial Corporation (TFC) Stock Analysis & Winston Score

Truist Financial is a large American bank that helps everyday people and businesses manage their money. It offers checking and savings accounts, loans, mortgages, credit cards, and investment services. Truist was created in 2019 when BB&T and SunTrust Banks merged, making it one of the ten largest commercial banks in the United States.

Truist makes money by charging interest on loans and collecting fees for banking and wealth management services. It operates mainly across the southeastern and mid-Atlantic United States, with thousands of branches serving millions of retail and business customers. The bank's scale and regional brand recognition give it a stable deposit base, but rising interest rates and potential loan defaults remain key risks, as borrowers under financial stress could struggle to repay what they owe.

Winston Score History

Politician Trades

23 trades / 12mo

16 Congressional buys and 7 sells on TFC in the last 12 months.

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Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+0.4% YoY

YoY Growth Rate

Slow revenue growth

EPS Growth

+25.0% YoY

YoY Growth Rate

Strong earnings growth

Insider Activity

0.2%ownership

Relatively low insider ownership

Cash Position

Cash flow positive

$4.3B cash & investments

Company generates more cash than it spends — no dilution risk from fundraising

Growth context

Truist Financial Corporation is growing revenue at 0% year-over-year. The Winston Score measures business quality today — these growth metrics show what could matter tomorrow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Gross Margin

63.1%

Premium pricing power — 63.1% gross margin

Operating Margin

22.8%

Excellent — 22.8% operating margin

ROCE

1.3%

Weak — 1.3% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

+26.9%

Fast-growing sales (26.9% YoY)

EPS YoY

+19.3%

Earnings growing fast (19.3% YoY)

Healthy double-digit earnings growth — what compounders look like.

EPS Consistency

8/8 quarters

Every recent quarter grew earnings vs last year

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Cash Flow

Cash Conversion

103%

Turns 103% of profit into real cash

FCF Margin

18.6%

Converts sales into free cash efficiently (18.6%)

FCF margin between 10% and 20%. Every $100 in sales becomes $10 to $20 in real cash.

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Stability

Debt / Equity

1.08

Elevated debt (1.08)

Interest Cover

0.66x

Dangerous — barely covers interest (0.7x)

Interest coverage below 1. Their profits don't cover the interest bill.

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Valuation

P/E Ratio (TTM)

12.7x

no trend

Attractive valuation — P/E 12.7

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

P/E vs Forward

N/A

not available

Data not available

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Dividends

Not applicable for this business.

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