TFCTRUIST FINANCIAL CORP
National Commercial Banks
- Revenue
- —
- Operating margin
- —
- EBITDA
- —
- Market cap
- $58.5B
- Employees
- —
- Net debt / EBITDA
- —
- $33.1B net debt
- AI in 10-K
- 3.5
- mentions per 10K words
Takeover score 0 of 13
Fixable underperformance 0 of 7
- TSR below peersNo—3+ of last 5 years
- High CEO pay despite TSRNo—Median CEO pay ≥ $15M while TSR trails
- Earnings not backed by cashNo—Cash flow under 80% of net income
- Dilutive SBCNo—Over 10% of revenue
- Payouts exceed cash flowNo90% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyNo3% of assetsOver 40% of assets
- Shareholder dissentNo91% lowest supportAny vote under 80% support
Buyer economics 0 of 4
- Low revenue per employeeNo—Bottom quartile of its SIC industry
- Quiet on AINo3.5 per 10K words · 74th pctBottom quartile of AI mentions in 10-Ks
- Net cashNo—More cash than debt, positive EBITDA
- Buyout-sizedNo$58.5B market capMarket cap $500M–$5B
Catalysts 0 of 2
- Active 13DNo0 filingsActive-intent 13D in 18 months
- Net insider sellingNo−$435K netNet sales over $10M in 12 months
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Operating cash flow | $7.9B | $11.1B | $8.6B | $2.2B | $5.7B | 165% |
| Capex | $442M | $564M | — | — | — | |
| Stock-based comp | $259M | $261M | $298M | $292M | $317M | 8.6% |
| Buybacks | $1.6B | $250M | $0 | $1.0B | $2.5B | 150% |
| Dividends | $2.5B | $2.7B | $2.8B | $2.8B | $2.7B | 3.5% |
Deal filings
None.
13D filers
None on file.
Insider trading
- Open-market buys, 12 mo
- $2M · 2
- Open-market sells, 12 mo
- $3M · 6
- Net
- −$435K
Pay vs performance
No pay-versus-performance disclosure yet.