Is TFC stock a Buy, Sell, or Hold?

Based on our analysis, TFC is currently a HOLD with moderate confidence. 📊 HOLD: TFC is fairly valued with market pricing in 0.3% annual growth. Fine to hold or accumulate slowly on dips.

What is the fair value of TFC stock?

Our analysis estimates the fair value range for TFC to be between $51.23 and $52.83. The current price is $50.81.

What is the analyst price target for TFC?

The average Wall Street analyst price target for TFC is $54.92. This implies a potential upside of 9.3% from current levels.

TFC Stock Analysis: Buy, Sell, or Hold?

TFC - Truist Financial Corporation

NATIONAL COMMERCIAL BANKS

$50.81

0.39 (0.77%) ▲

5d: -3.27%

30d: -1.84%

90d: +5.02%

HOLD

MODERATE Confidence

Protect Your TFC Gains

Analysis Updated: Aug 24, 2026 12:00 AM ET

Earnings: Oct 16, 2026

Smart Money Distribution

Options positioning is turning defensive after a sharp run-up - a pattern consistent with institutional profit-taking. View Scanner →

Signal fired Aug 7, 2026 at $52.35 · last confirmed Aug 24, 2026

Strength: 5.6/10

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Interactive Price Chart (1 Month)

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💡

Bottom Line:
📊 HOLD: TFC is fairly valued with market pricing in 0.3% annual growth. Fine to hold or accumulate slowly on dips.

See Forward Earnings Fair Value & Price Prediction →

Long-Term Wealth Forecast (2031)

Based on Analyst Consensus Growth & Historical Valuation

Adjust Growth Assumption: 7.9%

0% (Stagnation) 50% (Hyper Growth)

EST. PRICE IN 2031

$66.43

Based on 5.9% avg growth

INTRINSIC VALUE TODAY

$41.25

Trading above historical range

How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 10.0x Exit PE.

View Full DCF Model

In-depth Analysis How we analyze

Valuation Analysis: TFC is currently trading at $50.81, which is considered oversold relative to its 30-day fair value range of $51.23 to $52.83. The stock's valuation (Forward PE: 10.1) is in line with its historical norms (10.0). At these levels, the market is pricing in 0.3% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.

Technical Outlook: Technically, TFC is in a strong uptrend. The price is currently testing key support at $50.10. A bounce from this level would confirm strength, while a break below could signal further downside.

Market Sentiment: The stock scores a mixed 57/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.

Quick Decision Summary

Current Position OVERSOLD

Historical Trading Range $51.23 - $52.83

Company Quality Score 60/100 (HOLD)

Volume Confirmation HIGH

Confidence Score 75.7%

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All Signals

BULLISH: Price oversold vs 30-day range
NEUTRAL: Mixed technical signals (57/100)
BULLISH: High volume confirmation
NEUTRAL: Near Wall St target ($54.92)
NEUTRAL: Market pricing in 0.3% annual earnings growth - fairly valued
NEUTRAL: Bottoming setup forming (57/100) — watch for confirmation

Trading Range Analysis

30-Day Trading Range $51.23 - $52.83

Current vs Trading Range OVERSOLD

Support & Resistance Levels

Support Level $50.11

Resistance Level $53.53

Current Trend Strong Uptrend

Technical data as of Aug 24, 2026

Fundamental Context

Forward P/E (Next Year Est.) 10.09

Wall Street Target $54.92 (+9.3%)

Revenue Growth (YoY) 8.2%

Earnings Growth (YoY) 36.7%

Profit Margin 30.7%

Valuation Premium vs History +0.3% premium

PE vs Historical 10.1 vs 10.0 FAIR

Market-Implied Price Targets If current PE multiple persists

Implied Growth (YoY): +0.3% (market-implied from PE analysis)

1-Year Target $50.38 (+0%)

2-Year Target $50.53 (+1%)

3-Year Target $50.68 (+1%)

3-Yr Target (if PE normalizes) (PE: 10→10) PE COMPRESSION $50.23 (0%)

Earnings growth offset by PE compression

3-Year Scenarios Using analyst projected EPS growth

Bull: (PE: 20.1, Growth: 7.9%) $125.40 (+150%)

Base: (SPY PE: 10.1, Growth: 7.9%) $63.05 (+26%)

Bear: (PE: 8.6, Growth: 7.9%) $53.60 (+7%)

📈 Valuation based on Current Earnings

RECOVERY PLAY: Stock looks expensive now (12x PE), but valuation improves significantly next year (10x PE) as earnings recover.

Trailing PE: 11.72 | Current EPS (TTM): $4.35

Bull Case $64.16 (+26%)

Analyst growth 14.4%, PE expands to 12.9

Base Case $58.32 (+15%)

Market implied 14.4%, PE stable at 11.7

Bear Case $34.66 (-32%)

Severe decline -20.0%, PE contracts to 10.0

These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.

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Last updated: August 25, 2026 2:52 AM ET
Data refreshes hourly during market hours. Next update: 3:52 AM

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Insider Activity (6 Months)

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NEUTRAL

Recent Transactions

Ro Khanna BUY 2026-03-30

Ro Khanna SELL 2026-03-23

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Advanced TFC Option Strategies

Professional options setups generated by AI based on today's TFC price and gamma walls.

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