Truist Financial Corp

TFC: XNYS (USA)

Morningstar Rating for Stocks	Fair Value	Economic Moat	Capital Allocation
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Commercial Loans a Major Growth Driver for Truist in 2026; Raising Fair Value Estimate

Maoyuan Chen

Feb 3, 2026

Business Strategy and Outlook

Truist’s business is mostly retail and wholesale banking after the sale of its insurance brokerage business unit in 2024. While this divestiture provided the bank with excess capital to reposition some of its lower-yield securities and for share buybacks, we appreciated the capital-light and less cyclical fee income stream, which historically provided a nice boost to the bank’s return on equity profile.

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How we make money

We sell different types of products and services to both investment professionals and individual investors. These products and services are usually sold through license agreements or subscriptions. Our investment management business generates asset-based fees, which are calculated as a percentage of assets under management. We also sell both admissions and sponsorship packages for our investment conferences and advertising on our websites and newsletters.

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Truist Financial Corp

Commercial Loans a Major Growth Driver for Truist in 2026; Raising Fair Value Estimate

Business Strategy and Outlook

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