Company Overview - Truist Financial Corporation (TFC) has a market capitalization of $64.2 billion and is one of the largest regional financial services companies in the U.S., formed in 2019 through the merger of BB&T and SunTrust [1] - The company is headquartered in Charlotte, North Carolina, and offers a wide range of services including consumer and commercial banking, lending, wealth and asset management, insurance, and investment banking [1] Earnings Expectations - Analysts anticipate TFC will report a profit of $1.09 per share for fiscal Q4, representing a 19.8% increase from $0.91 per share in the same quarter last year [2] - For the current fiscal year, TFC is expected to report a profit of $3.94 per share, up 6.8% from $3.69 per share in fiscal 2024, with further growth projected to $4.46 per share in fiscal 2026, a 13.2% year-over-year increase [3] Stock Performance - TFC shares have increased by 15.8% over the past 52 weeks, slightly outperforming the S&P 500 Index's 15.4% rise and the Financial Select Sector SPDR Fund's 14.5% increase during the same period [4] - On December 10, TFC shares rallied more than 3% following the announcement of a reduction in its prime lending rate from 7% to 6.75%, which is seen as a positive signal for loan demand [5] Analyst Ratings - Wall Street analysts have a "Moderate Buy" rating for TFC, with 22 analysts covering the stock: seven recommend "Strong Buy," two suggest "Moderate Buy," 12 indicate "Hold," and one advises a "Strong Sell" [6] - The mean price target for TFC is $51.17, indicating a potential upside of 2.5% from current levels [6]