Is Truist Financial (TFC) Attractively Priced After Recent Focus On Regional Bank Risks

Simply Wall St.

Jan 28

If you are wondering whether Truist Financial's current share price lines up with its underlying worth, you are not alone. This article is built to help you assess that. Truist Financial's share price...

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This article is built to help you assess that. Truist Financial's share price...</p>\n\n<a href=\"https://simplywall.st/stocks/us/banks/nyse-tfc/truist-financial/news/is-truist-financial-tfc-attractively-priced-after-recent-foc\">Source Link</a>\n\n</div>\n","source":"simplywall_highlight","html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Is Truist Financial (TFC) Attractively Priced After Recent Focus On Regional Bank Risks</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nIs Truist Financial (TFC) Attractively Priced After Recent Focus On Regional Bank Risks\n</h2>\n\n<h4 class=\"meta\">\n\n\n2026-01-28 11:44 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://simplywall.st/stocks/us/banks/nyse-tfc/truist-financial/news/is-truist-financial-tfc-attractively-priced-after-recent-foc><strong>Simply Wall St.</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>If you are wondering whether Truist Financial's current share price lines up with its underlying worth, you are not alone. This article is built to help you assess that. Truist Financial's share price...</p>\n\n<a href=\"https://simplywall.st/stocks/us/banks/nyse-tfc/truist-financial/news/is-truist-financial-tfc-attractively-priced-after-recent-foc\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"BK4211","symbol_name":"区域性银行","start_time":0,"source_url":"https://simplywall.st/stocks/us/banks/nyse-tfc/truist-financial/news/is-truist-financial-tfc-attractively-priced-after-recent-foc","article_id":"2606760477","we_media_id":null,"thumbnails":["https://images.simplywall.st/asset/company-cover/19109-main-header/1756252408048"],"rights":{"source":"simplywall_highlight","url":"https://simplywall.st/stocks/us/banks/nyse-tfc/truist-financial/news/is-truist-financial-tfc-attractively-priced-after-recent-foc","rn_cache_url":null,"directOrigin":true},"url":"https://stock-news.laohu8.com/highlight/detail?id=2606760477","pubTimestamp":1769571877,"columns":[],"sourceInfo":{"source_id":"simplywall_highlight","name":"Simply Wall St."},"weMediaInfo":null,"summary":"If you are wondering whether Truist Financial's current share price lines up with its underlying worth, you are not alone. This article is built to help you assess that.\nTruist Financial's share price last closed at US$50.89, with returns of 3.6% over 7 days, 0.6% over 30 days, 2.3% year to date, 13.0% over 1 year, 21.3% over 3 years and 28.1% over 5 years shaping how investors may be thinking about both opportunity and risk.\nRecent news flow around Truist Financial has focused on its...","collect":0,"end_time":0,"defaultTopTitle":"simplywall.st","property":[],"viewcount":null,"language":"en","relate_stocks":{"BK4211":"区域性银行","BK4588":"碎股","LU2237438978.USD":"Amundi Funds US Pioneer A2 (C) USD","BK4585":"ETF&股票定投概念","TFC":"Truist Financial Corp"},"translate_title":"在最近关注区域银行风险后，Truist Financial(TFC)的定价是否有吸引力","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"TFC":1.5},"content_text":"If you are wondering whether Truist Financial's current share price lines up with its underlying worth, you are not alone. This article is built to help you assess that. Truist Financial's share price last closed at US$50.89, with returns of 3.6% over 7 days, 0.6% over 30 days, 2.3% year to date, 13.0% over 1 year, 21.3% over 3 years and 28.1% over 5 years shaping how investors may be thinking about both opportunity and risk. Recent news flow around Truist Financial has focused on its position as a major U.S. bank, including ongoing commentary about regional banks and investor attention on how larger institutions manage their balance sheets and risk exposure. This backdrop helps explain why each move in the share price attracts interest from investors who want to understand whether the current level makes sense. On our valuation checks, Truist Financial scores 4 out of 6, which points to several areas where the stock appears undervalued based on conventional metrics. Next we will walk through those approaches while also pointing you toward a fuller way of thinking about value at the end of the article.  Find out why Truist Financial's 13.0% return over the last year is lagging behind its peers. AdvertisementApproach 1: Truist Financial Excess Returns Analysis The Excess Returns model looks at how much profit Truist Financial is expected to earn above the return that equity investors typically require, and then capitalizes those extra profits into an estimate of intrinsic value per share. For Truist Financial, the model uses a Book Value of $47.74 per share and a Stable EPS of $4.87 per share, based on weighted future Return on Equity estimates from 11 analysts. The Average Return on Equity is 9.29%, while the Cost of Equity is $4.27 per share. The gap between these two, the Excess Return, is $0.60 per share, which represents the profit attributed to shareholders above the required return. The analysis also uses a Stable Book Value of $52.46 per share, sourced from weighted future Book Value estimates from 13 analysts, to anchor longer term expectations. Putting these inputs together, the Excess Returns model produces an intrinsic value estimate of about $64.81 per share. Compared to the recent share price of $50.89, this implies the stock is around 21.5% undervalued based on this approach. Result: UNDERVALUED Our Excess Returns analysis suggests Truist Financial is undervalued by 21.5%. Track this in your watchlist or portfolio, or discover 881 more undervalued stocks based on cash flows. TFC Discounted Cash Flow as at Jan 2026 Head to the Valuation section of our Company Report for more details on how we arrive at this Fair Value for Truist Financial. Approach 2: Truist Financial Price vs Earnings For a profitable bank like Truist Financial, the P/E ratio is a useful way to think about what you are paying for each dollar of earnings. It ties the share price directly to the company’s current profit, which is a core driver of long term returns for many investors. A “normal” or “fair” P/E will usually reflect what the market thinks about a company’s growth prospects and risk profile. Higher expected growth or lower perceived risk can justify a higher multiple, while slower growth or higher risk tends to support a lower one. Truist Financial is currently trading on a P/E of 12.92x. That sits above the Banks industry average of 11.80x, but slightly below the peer group average of 13.30x. Simply Wall St’s Fair Ratio for Truist Financial is 14.34x. This is a proprietary estimate of what the P/E could be given factors such as earnings growth, profit margins, industry, market cap and company specific risks. Because the Fair Ratio is tailored to Truist Financial rather than just broad peers or the sector, it can give a more company specific view of value. With the Fair Ratio at 14.34x and the current P/E at 12.92x, the shares screen as undervalued on this metric. Result: UNDERVALUED NYSE:TFC P/E Ratio as at Jan 2026 P/E ratios tell one story, but what if the real opportunity lies elsewhere? Discover 1426 companies where insiders are betting big on explosive growth. Upgrade Your Decision Making: Choose your Truist Financial Narrative Earlier we mentioned that there is an even better way to understand valuation, so let us introduce you to Narratives. Narratives let you attach a clear story to the numbers you are seeing, including your view on fair value, future revenue, earnings and margins. A Narrative connects three elements: what you think is happening at a company, how that story flows into a simple financial forecast, and what fair value falls out of that forecast. On Simply Wall St, Narratives sit inside the Community page and are designed to be quick to set up, easy to compare, and available to anyone using the platform. You can use a Narrative to consider what action makes sense for you by lining up your Fair Value against the current share price and seeing whether the gap is wide enough to justify buying, holding, or selling. Because Narratives on Simply Wall St refresh when new data such as earnings or major news is added, your fair value view can stay aligned with the latest information without you rebuilding everything from scratch. For Truist Financial, for example, one investor might build a Narrative with a very optimistic fair value, while another uses the same tools to support a far more cautious figure. Do you think there's more to the story for Truist Financial? Head over to our Community to see what others are saying! NYSE:TFC 1-Year Stock Price Chart  This article by Simply Wall St is general in nature. We provide commentary based on historical data\n    and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your\n    financial situation. We aim to bring you long-term focused analysis driven by fundamental data.\n    Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material.\n    Simply Wall St has no position in any stocks mentioned.Valuation is complex, but we're here to simplify it.Discover if Truist Financial might be undervalued or overvalued with our detailed analysis, featuring fair value estimates, potential risks, dividends, insider trades, and its financial condition.Access Free AnalysisHave feedback on this article? Concerned about the content? Get in touch with us directly. Alternatively, email editorial-team@simplywallst.com","kind":"highlight","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"0","news_tag":"","news_rank":0,"symbols":[],"gpt_button":0,"need_auth":false,"code":"91000000","status":"200"}}}