What Is TFC Fair Value?
Truist Financial (TFC) fair value estimate using multiple valuation models, updated daily.
As of October 14, 2026, Truist Financial (TFC) has a composite fair value estimate of $128.36 based on four valuation models: DCF (35% weight), Graham Number (25% weight), PEG (25% weight), and DDM (15% weight). The current market price is $45.92, suggesting the stock is undervalued by 179.5%.
Data as of October 14, 2026 (today)
Composite Fair Value
Undervalued4 of 4 models$128.36
vs. current price of $45.92(+179.5%)
How Is TFC Fair Value Calculated?
Four independent models estimate what TFC is worth. Each uses different inputs and assumptions. The composite blends them by weight.
TFC Intrinsic Value
Forward-looking models based on future cash flows
DCF (Discounted Cash Flow)
35% weightEstimates how much cash the company will generate over the next 10 years, then calculates what all that future cash is worth in today's dollars. Includes a 15% safety cushion. Try the standalone DCF calculator →
$212.61
+363.0%Undervalued
Inputs used
DDM (Dividend Discount Model)
15% weightIf a company pays you dividends, this model asks: how much are all those future dividend payments worth today? Only works for stocks that pay dividends. Try the intrinsic value calculator →
$60.43
+31.6%Undervalued
Inputs used
TFC Fair Value
Current fundamentals: earnings, assets, and growth rate
Graham Number (Value Investing)
25% weightCreated by legendary investor Benjamin Graham. It looks at two things: how much the company earns (EPS) and what its assets are worth (Book Value), then calculates the maximum price a careful investor should pay. Try the fair value calculator →
$71.60
+55.9%Undervalued
Inputs used
PEG (Price/Earnings to Growth)
25% weightChecks if you're paying a fair price for the company's growth. A fast-growing company deserves a higher price than a slow one. This model finds the right price based on how fast earnings are growing.
$55.39
+20.6%Undervalued
Inputs used
What If You Change the Assumptions?
Drag the sliders to test different scenarios. Tap the ? buttons to learn what each input means.
Your DCF Fair Value
Current price $45.92 is 363.0% below this estimate
View 10-year cash flow projections
| Year | Projected FCF (Free Cash Flow) | Present Value |
|---|---|---|
| Year 1 | $6.47B | $6.09B |
| Year 2 | $7.23B | $6.39B |
| Year 3 | $8.07B | $6.71B |
| Year 4 | $9.02B | $7.05B |
| Year 5 | $10.07B | $7.40B |
| Year 6 | $11.25B | $7.77B |
| Year 7 | $12.56B | $8.16B |
| Year 8 | $14.03B | $8.57B |
| Year 9 | $15.67B | $9.00B |
| Year 10 | $17.50B | $9.45B |
| Terminal Value | $465.97B | $251.79B |
What Are TFC's Key Financial Metrics?
Earnings & Growth
Current Price
$45.92
EPS (TTM)
$4.35
Forward P/E
9.2
Profit Margin
30.7%
Cash & Balance Sheet
Free Cash Flow
0
EBITDA
0
Book Value
$48.04
Total Debt
73.3B
What Do Analysts Say About TFC?
Low
$45.00
Average
$54.03
High
$61.00
Upside
+17.7%
TFC Fair Value FAQ
What is the fair value of TFC?
Based on our composite model (DCF 35%, Graham 25%, PEG 25%, DDM 15%), TFC's estimated fair value is $128.36. The stock is currently trading at $45.92, which makes it undervalued by our analysis.
How is TFC's fair value calculated?
We use four valuation methods: Discounted Cash Flow (DCF), Graham Number, PEG-based Fair Value, and Dividend Discount Model (for dividend-paying stocks). The composite score weights DCF at 35%, Graham and PEG at 25% each, and DDM at 15%. When a model can't be applied, its weight is redistributed proportionally.
Is TFC overvalued or undervalued?
Based on our analysis, TFC is undervalued. The current price of $45.92 is 179.5% below our estimated fair value of $128.36.
What do Wall Street analysts say about TFC?
19 analysts cover Truist Financial with a consensus rating of "Hold." The average price target is $54.03, ranging from $45.00 to $61.00. This implies 17.7% upside from the current price.