Profitability
Weight: 25%
C-
45
Scored using ROA (NIM proxy) — financial-archetype substitution.
- 5yr Avg ROA 0.8%
- Operating Margin Trend -6.16 pp/yr
TFC
Truist Financial Corporation
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 20%
B-
68
Scored using ROTCE — financial-archetype substitution.
- 5yr Avg ROTCE 9.3%
- 5yr Share-Count CAGR -1.2%
Growth Quality
Weight: 10%
C+
60
Scored using BVPS — financial-archetype substitution.
- 5yr BVPS CAGR 8.8%
- 5yr EPS CAGR -3.9%
- Positive-EPS Years (5) 4/5
Cash Generation
Weight: 5%
A+
94
Scored using OCF/NI — banks have no FCF concept.
- 5yr OCF/NI 1.13x
Balance Sheet
Weight: 30%
B-
62
Scored using Equity/Assets — financial-archetype substitution.
- Equity / Assets 11.9%
- Interest Coverage (EBIT/Int) 0.63x
Stability
Weight: 10%
B-
68
- EPS Volatility (σ/μ) 0.20
- Piotroski F-Score 8
- Negative-Revenue Years (5) 3/5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.4 of 4 gurus held; 2 added; 2 trimmed; 1 full exit.
- Holders
- 4
- Avg Δ position
- +75.0%
- New buys
- 0
- Full exits
- 1
- Tepper sold -100%
- Greenblatt increased +181%
- Cooperman increased +151%