TFC Truist Financial Corporation

Financial Services

Price

$46.25

Intrinsic value

$41.37

Buy price

$33.09

Discount

-11.8%

Overvalued

Live signals

Daily bars as of Oct 8, 2026

Nothing firing right now - no PAM pattern in the last 5 daily bars, and no DR1 support reclaim in the last 5 weekly bars. Technical confluence is DOWNTREND (1/3) - see the chart below.

DCF walkthrough

This ticker is valued with the excess-return model (bank/insurer/lender), not the operating-cash-flow DCF, so growth-rate and years-of-growth sliders don't apply - only the discount rate (used as cost of equity) and margin of safety do.

Discount rate9.00%

Margin of safety20.00%

Operating CF: $5,672,000,000.00
Total debt: $73,295,003,648.00
Cash & STI: $50,461,999,104.00
Shares out.: 1,239,040,000

Overvalued

Intrinsic value$41.55

Buy price (with MOS)$33.24

Current price$46.25

Discount to intrinsic value-11.3%

7-step quality scorecard

ROE quality

LOW

Average ROE: 6.1%
Current ROE: 8.1%
Minimum ROE: -1.8%

Debt quality

LEVERAGED

Debt / Equity: 1.12x

Moat proxy

WEAK_PROXY

Cash-flow reliability

NOT_APPLICABLE

Operating CF / Net income: 1.03x

Technical chart

Confluence: DOWNTREND (1/3)

Weekly candles, ~3 years. Yellow line: 10-week EMA. Dashed lines: Fibonacci retracement of the last 52-week swing. Green arrow: an active DR1 support reclaim (see Live signals above for when it fired).

Assumptions & data quality

Data source: yfinance
Growth (g1) source: sector_default_fallback
Valuation model: EXCESS_RETURN
Debt as % of DCF PV: 147.6%
Public economic interest: 100.0%

These are model outputs built on assumptions (growth rate, discount rate, margin of safety), not facts - trust but verify, especially for LOW cash-flow-reliability or UNKNOWN-quality rows.