Should I Buy TFC? TFC 2026 Analysis

Should You Buy Truist Financial Corp (TFC) Today? Analysis, Price Targets, and 2026 Outlook.

Conclusion

Hold

Latest Price

51.320

1 Day change

2.01%

52 Week Range

51.520

Analysis Updated At

2026/01/26

Truist Financial Corp (TFC) is not a strong buy at the moment for a beginner investor with a long-term focus and $50,000-$100,000 to invest. While the company has shown some positive financial performance and analysts have raised price targets, the technical indicators, recent congressional selling, and lack of strong proprietary trading signals suggest a cautious approach. Holding the stock or waiting for a clearer entry point would be more prudent.

Technical Analysis

The MACD is negatively expanding (-0.202), indicating bearish momentum. RSI is neutral at 42.696, and moving averages are converging, showing no clear trend. The stock is trading near its pivot level of 49.696, with support at 48.37 and resistance at 51.022. Overall, the technical indicators suggest a neutral to slightly bearish trend.

Options Data

Bullish

Open Interest Put-Call Ratio

Bullish

Option Volume Put-Call Ratio

The put-call ratios indicate a slight bullish sentiment in options trading, but the overall volume is not significantly high to suggest strong conviction.

Technical Summary

Sell

Buy

Positive Catalysts

Analysts have raised price targets, with several maintaining Buy ratings. The company reported a Q4 earnings beat, improved net interest income, and announced a $1 billion share repurchase program. Revenue and EPS have shown YoY growth, and the company projects 4%-5% revenue growth in 2026.

Neutral/Negative Catalysts

Hedge funds have significantly increased selling activity (up 1288.05% last quarter). Congress members have made two recent sale transactions, indicating cautious sentiment. The MACD and technical indicators show bearish momentum. The stock also missed revenue targets in Q4, leading to a muted market reaction.

Financial Performance

In Q4 2025, revenue increased 3.11% YoY to $5.07 billion, net income rose 6.00% YoY to $1.29 billion, and EPS grew 8.70% YoY to $1. The company has shown steady financial growth but missed revenue targets for the quarter.

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

Analysts have generally positive sentiment, with raised price targets ranging from $50 to $63. Most analysts maintain Buy ratings, citing improving fundamentals, share buybacks, and strong net interest income. However, Barclays downgraded the stock to Underweight, citing underperformance relative to peers.

14 Analyst Rating

Wall Street analysts forecast TFC stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for TFC is 54.38 USD with a low forecast of 47 USD and a high forecast of 63 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

8 Buy

5 Hold

1 Sell

Moderate Buy

Current: 50.310

Low

Averages

54.38

High

Current: 50.310

Low

Averages

54.38

High

Argus

Buy

maintain

$54 -> $58

AI Analysis

2026-01-23

Reason

Argus

Price Target

$54 -> $58

AI Analysis

2026-01-23

maintain

Buy

Reason

Argus raised the firm's price target on Truist Financial to $58 from $54 and keeps a Buy rating on the shares after its Q4 earnings beat. The results showed a positive impact on net interest income from higher earning assets and average deposits while share buybacks remained healthy and credit quality improved, the analyst tells investors in a research note.

TD Cowen

Steven Alexopoulos

Buy

maintain

$59 -> $60

2026-01-22

Reason

TD Cowen

Steven Alexopoulos

Price Target

$59 -> $60

2026-01-22

maintain

Buy

Reason

TD Cowen analyst Steven Alexopoulos raised the firm's price target on Truist Financial to $60 from $59 and keeps a Buy rating on the shares. The company reported a Q4 earnings beat with a 2026 setup calling for an acceleration in sales growth, the analyst tells investors in a research note. TD sees higher returns ahead for Truist.

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TFC Should I Buy

TFC Should I Buy

Should You Buy Truist Financial Corp (TFC) Today? Analysis, Price Targets, and 2026 Outlook.

Technical Analysis

Options Data

Technical Summary

Positive Catalysts

Neutral/Negative Catalysts

Financial Performance

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

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