Which Is a Better Investment, First Citizens BancShares Inc (Delaware or Truist Financial Corp Stock?

By AAII Staff
September 03, 2026
Large versus logo comparing two stocks in the same industry
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Sifting through countless of stocks in the Banks industry can be tedious, and sometimes two stocks are just too similar to judge which is the better investment. If you’re on the fence about investing in Truist Financial Corporation because you’re not sure how they measure up, it’s important to compare them on a few factors before making your decision.

Read on to learn how Truist Financial Corporation compare based on key financial metrics to determine which better meets your investment needs.

About Truist Financial Corporation

Truist Financial Corporation, a financial services company, provides banking and trust services in the Southeastern and Mid-Atlantic United States. The company operates through two segments, Consumer and Small Business Banking; and Wholesale Banking. Its deposit products include noninterest-bearing checking, interest-bearing checking, savings, and money market deposit accounts, as well as certificates of deposit and individual retirement accounts. The company also provides funding; asset management; credit card lending; home equity and mortgage lending; other direct retail lending; home mortgage lending; Investment brokerage services; mobile/online banking; payment solutions; point-of-sale lending; retail and small business deposit products; and small business lending. In addition, it offers asset-based lending, commercial deposit and treasury services; commercial lending; floor plan lending; derivatives; institutional trust services; insurance premium finance; international banking; investment banking and capital markets services; leasing; merchant services; mortgage warehouse lending; real estate lending; supply chain financing; and wealth management/private banking. The company was formerly known as BB&T Corporation and changed its name to Truist Financial Corporation in December 2019. Truist Financial Corporation was founded in 1872 and is headquartered in Charlotte, North Carolina.

Latest Banks and Truist Financial Corporation, Stock News

As of September 2, 2026, Truist Financial Corporation had a $62.1 billion market capitalization, compared to the Banks median of $750.0 million. Truist Financial Corporation’s stock is up 3.7% in 2026, up 1.5% in the previous five trading days and up 9.46% in the past year.

Currently, Truist Financial Corporation’s price-earnings ratio is 11.7. Truist Financial Corporation’s trailing 12-month revenue is $19.0 billion with a 30.7% net profit margin. Year-over-year quarterly sales growth most recently was 8.2%. Analysts expect adjusted earnings to reach $4.614 per share for the current fiscal year. Truist Financial Corporation currently has a 4.1% dividend yield.

Currently, does not have a price-earnings ratio. ’s trailing 12-month revenue is $0.0 with a % net profit margin. As of September 2, 2026, has not reported significant year-over-year quarterly sales. There are no analysts providing consensus earnings estimates for the current fiscal year. does not currently pay a dividend.

How We Compare Truist Financial Corporation Stock Grades

Stock evaluation requires access to huge amounts of data and the knowledge and time to sift through it all, make sense of financial ratios, read income statements and analyze recent stock movements. AAII created A+ Investor, a robust data suite that condenses data research in an actionable and customizable way suitable for investors of all knowledge levels, to help investors streamline and work through such data.

AAII’s proprietary stock grades come with A+ Investor. These offer intuitive A‐F grades for each of five key investing factors: value, growth, momentum, earnings estimate revisions and quality. Here, we’ll take a closer look at Truist Financial Corporation’s stock grades to see how they measure up against one another.

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Truist Financial Corporation Growth Grades

Company Ticker Growth
Truist Financial Corporation TFC D

The foundation of growth investing is seeking out stocks of companies exhibiting strong, consistent and prolonged growth that is expected to continue into the future.

In order to compute the growth score and assign it a letter grade, the percentile ranks for each of three components‐consistency of annual sales growth, five-year sales growth rankings adjusted for extreme levels, and consistency of positive annual cash from operations‐must be determined. These three rank figures are added together, and the sum is ranked against the entire stock universe to arrive at a company’s Growth Score to create an equal distribution of grades.

The companies in the bottom 20% of the stock universe receive Growth Grades of F, considered to be very weak, while those in the top 20% receive A grades, which are considered very strong.

Truist Financial Corporation has a Growth Score of 25, which is Weak.

The Growth Stock Winner: No Clear Winner

Neither Truist Financial Corporation has a high enough Growth Grade to be considered a “winner.” Investors who are considering these companies should do additional due diligence and research to see if either could be a good addition to their portfolios. It’s important to look at a wide range of financial metrics in order to determine if Truist Financial Corporation is the better investment when it comes to sustainable growth.

Truist Financial Corporation’s Momentum Grades

Company Ticker Momentum
Truist Financial Corporation TFC C

Momentum grades help to uncover stocks experiencing anomalously high rates of return; research finds that stocks with high relative levels of momentum tend to outperform, whereas those with low levels of momentum tend to continue underperforming. Momentum is based on the price change of a stock over a specified period relative to all other stocks.

Typically, AAII looks at the weighted relative strength over the trailing four quarters. The weighted four-quarter relative strength rank is the relative price change for each of the past four quarters. The most recent quarterly price change is given a weight of 40% and each of the three previous quarters are given a weighting of 20%.

Truist Financial Corporation has a Momentum Score of 47, which is Average.

The Momentum Stock Winner: No Clear Winner

Neither Truist Financial Corporation has a strong enough Momentum Grade to be considered a “winner.” Investors considering these companies should do additional due diligence and research to see if either could be a good addition to their portfolios. It’s important to look at a wide range of financial metrics in order to determine if Truist Financial Corporation is the better investment when it comes to momentum.

Truist Financial Corporation’s Estimate Revisions Grades

Company Ticker Earnings Estimate
Truist Financial Corporation TFC B

Earnings estimate revisions scores consider the magnitude of a company’s earnings surprise in its last two reported fiscal quarters. Often, positive surprises beget further positive surprises‐or at least continued sales growth (the exact opposite is generally true, too).

Estimate revisions offer an indication of what analysts are thinking about the short-term prospects of a firm. Estimate revisions are based on the statistical significance of a firm’s last two quarterly earnings surprises and the percentage change in its consensus estimate for the current fiscal year over the past month and past three months.

Truist Financial Corporation has a Earnings Estimate Score of 64, which is Positive.

The Earnings Estimate Revisions Grade Winner: Truist Financial Corporation

As you can clearly see from the Earnings Estimate Revisions Grade breakdown above, Truist Financial Corporation has a better Earnings Estimate Revisions Grade than . For those who are specifically looking for companies with better short-term prospects when compared to other companies in the same industry, Truist Financial Corporation could be a good stock to invest in. However, it’s important to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

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Other Truist Financial Corporation Grades

In addition to Estimate Revisions, Momentum and Growth, A+ Investor also provides grades for Value and Quality.

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Successful stock investing involves buying low and selling high, so stock valuation is an important consideration for stock selection. Buying stocks that are going to go up typically means buying stocks that are undervalued in the first place, although momentum investors may argue that point.

AAII’s A+ Investor Quality Grade comes from the ranking of key metrics. Specifically, the quality grade is the percentile rank of the composite of return on assets (ROA), return on invested capital (ROIC), gross profit relative to assets, buyback yield, change in total liabilities to assets, accruals, Z double prime bankruptcy risk (Z) score and F-Score.

These 2 key factors, when combined with the above, provide a holistic view into a particular stock. Further, by joining A+ Investor you can see whether Truist Financial Corporation pass any of our 60+ stock screens that have outperformed the market since their creation.

So, Which Is the Better Investment, Truist Financial Corporation Stock?

Overall, Truist Financial Corporation stock has a Growth Score of 25, Momentum Score of 47 and Estimate Revisions Score of 64.

Comparing Truist Financial Corporation’s grades, scores and metrics can act as a solid basis to determine whether they may be a good investment or not. You’ll also want to look at your portfolio’s asset allocation as well as your risk tolerance and financial goals to see if either of these stocks would make a good fit for you. AAII can help you figure out which investments align with your individual needs and preferences.

Investors are encouraged to do their own due diligence and research. In this way, individuals can effectively become managers of their own assets‐without having to rely on others for financial independence. You can count on AAII for timeless articles on financial planning and stock-picking, unbiased research and actionable analysis.

A+ Investor adds to our qualitative teaching with a powerful data suite to help you whittle down investment choices to find stocks, exchange-traded funds (ETFs) or mutual funds that meet your needs.

Learn More About A+ Investor

AAII Disclaimer

We make no representations or warranties that any investor will, or is likely to, achieve profits similar to those shown, because past, hypothetical or simulated performance is not necessarily indicative of future results. Before making an investment decision, you should consider your circumstances and whether the information on our content is applicable to your situation. This information was prepared in good faith, and we accept no liability for any errors or omissions. The full disclaimer can be read here.



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