LIVE
TFC
Truist Financial Corporation · Financials
$48.33
+3.34% this month
VERSUS
⟷
COMPARE
RF
Regions Financial Corporation · Financials
$28.62
+6.63% this month
Scoreboard verdict
Across AI score, momentum, valuation, upside, operating margin
TFC
2
RF
3
Comparison scoreboard
RF LEADS 3/5AI Score
TFC 41.7
RF ✓49.1
1Y Return
TFC +23.83%
RF ✓+32.87%
Fwd P/E
TFC ✓10.09
RF 10.26
Target Up.
TFC ✓+7.76%
RF +4.99%
Op. Margin
TFC 38.99%
RF ✓40.07%
Metrics last refreshed: 6/20/2026
Quick take
TFC vs RF Stock Comparison: AI Score, Valuation, Performance and Upside
Truist Financial and Regions Financial are both Southeast US regional banks, but at different integration stages. Truist is the larger, more complex bank completing its BB&T-SunTrust integration. Regions is a steadier, well-managed regional bank with consistent efficiency improvement. Truist offers more upside if integration fully completes and ROTCE improves to peer levels; Regions offers more consistent quality execution without the integration risk.
TFC vs RF is the large Southeast bank completing the complex BB&T-SunTrust integration with insurance monetization improving capital ratios and ROTCE expected to converge with peers (Truist Financial) versus the consistently improving Southeast regional bank with disciplined efficiency execution and competitive ROTCE without integration complexity (Regions Financial) — integration completion upside vs consistent quality execution.
Live analysis · updated 6/20/2026
RF holds the edge across 3 of 5 key metrics in this comparison. RF has delivered stronger 1-year price return (+32.87% vs +23.83%), though TFC trades at the lower forward P/E (10.09x vs 10.26x). RF leads on both revenue growth (7.30%) and operating margin (40.07%), suggesting a stronger fundamental setup on both dimensions. Analyst consensus implies similar upside for both: +7.76% for TFC and +4.99% for RF.
Normalized 1Y performance
TFC
RF
Recent returns
TFC
RF
Analyst price targets & sentiment
TFC · 20 analysts
STRONG BUYHOLDSTRONG SELL
Buy (2.3/5.0)
Price target range
analyst low$40.50
analyst mean$55.67
current price$48.33
+7.8% upside to analyst mean
RF
Price target range
analyst mean$30.73
current price$28.62
+5.0% upside to analyst mean
Who should consider this stock?
TFC may suit investors who:
- →prefer the Southeast bank recovery/completion story as Truist's BB&T-SunTrust integration matures and ROTCE improves toward regional bank peers over 2–3 years
- →value Truist's insurance monetization capital proceeds as a near-term catalyst for shareholder return and capital efficiency improvement
- →want Southeast bank exposure at the largest scale — Truist's $500B+ in assets enables institutional banking capabilities for Southeast's largest corporations
- →are comfortable with above-peer efficiency ratios during integration completion, commercial real estate office exposure, and management needing to prove execution as the integration concludes
RF may suit investors who:
- →prefer the consistently well-managed Southeast regional bank with disciplined efficiency execution and competitive returns without integration complexity or uncertainty
- →value Regions' commercial and industrial lending diversification providing less real estate concentration than many Southeast banking peers
- →want Southeast population growth tailwind exposure from a bank with proven execution track record rather than post-merger integration uncertainty
- →are comfortable with smaller scale limiting institutional banking scope, net interest income rate sensitivity, and fintech/national bank competition in Southeast markets
Performance & AI score
| Metric | TFC | RF |
|---|---|---|
| AI score | 41.7 | 49.1 |
| AI rank | #917 | #526 |
| Latest close | $48.33 | $28.62 |
| 1M return | +3.34% | +6.63% |
| 6M return | -3.63% | +3.81% |
| 1Y return | +23.83% | +32.87% |
$10,000 invested — hypothetical growth (dividends reinvested)
How much would $10,000 be worth today if invested at the start of each period, with all dividends reinvested?
| Period | TFC | RF |
|---|---|---|
| 1Y ago | $12.14K (+21.4%) started 2025-06-18 | $13.03K (+30.3%) started 2025-06-18 |
| 5Y ago | $13.35K (+33.5%) started 2021-06-21 | $19.85K (+98.5%) started 2021-06-21 |
| 10Y ago | $29.89K (+198.9%) started 2016-06-20 | $61.27K (+512.7%) started 2016-06-20 |
Hypothetical — past performance does not guarantee future results.
Valuation & upside potential
| Metric | TFC | RF |
|---|---|---|
| Market cap | $64.36B | $24.98B |
| Trailing P/E | 12.79 | 12.15 |
| Forward P/E | 10.09 | 10.26 |
| Price/Sales | 4.62 | N/A |
| EV/Revenue | 5.07 | 4.08 |
| Analyst target | $55.67 | $30.73 |
| Target upside | +7.76% | +4.99% |
Growth, profitability & risk
| Metric | TFC | RF |
|---|---|---|
| Revenue growth | 5.20% | 7.30% |
| Earnings growth | 25.30% | 21.60% |
| EPS growth | +25.30% | +21.60% |
| FCF margin | N/A | N/A |
| Operating margin | 38.99% | 40.07% |
| Profit margin | 29.62% | 31.00% |
| ROIC proxy | 8.58% | 11.89% |
| Return on equity | 8.58% | 11.89% |
| Dividend yield | 4.03% | 3.62% |
| Beta | 0.88 | 1.03 |
| Debt/equity | N/A | N/A |
| Current ratio | N/A | N/A |
| Quick ratio | N/A | N/A |
Drawdown & downside risk
Lower drawdown and smaller single-period drops generally indicate a smoother ride, though they do not guarantee lower future risk.
1Y risk snapshot
TFC max drawdown21.47%
RF max drawdown19.22%
TFC max wkly drop8.48%
RF max wkly drop8.72%
5Y risk snapshot
TFC max drawdown59.11%
RF max drawdown40.99%
TFC max wkly drop30.13%
RF max wkly drop18.38%
10Y risk snapshot
TFC max drawdown59.11%
RF max drawdown60.73%
TFC max wkly drop30.70%
RF max wkly drop31.50%
Performance metrics by period
| Period | Metric | TFC | RF |
|---|---|---|---|
| 1Y | Growth | +21.40% | +30.33% |
| CAGR | +21.44% | +30.38% | |
| Sharpe ratio | 0.74 | 1.02 | |
| Max drawdown | 21.47% | 19.22% | |
| Max daily drop | 6.16% | 5.62% | |
| Max wkly drop | 8.48% | 8.72% | |
| 5Y | Growth | +7.74% | +68.15% |
| CAGR | +1.51% | +10.97% | |
| Sharpe ratio | 0.07 | 0.35 | |
| Max drawdown | 59.11% | 40.99% | |
| Max daily drop | 16.99% | 12.38% | |
| Max wkly drop | 30.13% | 18.38% | |
| 10Y | Growth | +93.83% | +326.20% |
| CAGR | +6.85% | +15.61% | |
| Sharpe ratio | 0.23 | 0.46 | |
| Max drawdown | 59.11% | 60.73% | |
| Max daily drop | 19.10% | 19.34% | |
| Max wkly drop | 30.70% | 31.50% |
Business comparison
| Category | TFC | RF |
|---|---|---|
| Company | Truist Financial Corporation | Regions Financial Corporation |
| Sector | Financial Services | Financial Services |
| Industry | Banks - Regional | N/A |
| Core business | Truist Financial is the seventh-largest US bank, formed by the 2019 merger of BB&T and SunTrust Banks — two large Southeast regional banks. Truist serves consumers and businesses across the Southeast US and Mid-Atlantic. Truist's integration has been complex — combining two large banks with overlapping branches, different technology systems, and separate cultures. Truist has been monetizing its insurance business (Truist Insurance Holdings) and some investment management assets to simplify its business model and improve capital efficiency. | Regions Financial is a Southeast US regional bank serving 16 states across the South, Midwest, and Texas. Regions provides consumer banking, business banking, commercial banking, and wealth management. Regions has consistently improved its operating efficiency under CEO John Turner — achieving efficiency ratios competitive with larger super-regional peers. Regions' commercial and industrial lending focus provides lending income beyond real estate concentration. |
| Investor focus | Investors track BB&T/SunTrust integration completion, branch optimization progress, insurance monetization proceeds, and return on tangible common equity improvement. | Investors track net interest income, efficiency ratio improvement, consumer and commercial loan growth, and return on tangible common equity vs Southeast bank peers. |
TFC strengths
- →Southeast banking dominance: Truist serves one of the fastest-growing US population regions — the Southeast has been growing population faster than most other US regions, driving banking demand
- →Scale from BB&T-SunTrust combination: Truist's $500B+ in assets creates institutional banking capabilities that neither BB&T nor SunTrust could offer independently
- →Truist Insurance Holdings monetization: selling the insurance brokerage business creates capital that improves Truist's CET1 ratio and can be returned to shareholders
RF strengths
- →Consistent efficiency improvement: Regions has reduced its efficiency ratio meaningfully over the past decade — a management discipline that creates sustainable earnings compounding
- →Southeast population tailwind: like Truist, Regions benefits from population growth in Texas, Tennessee, Alabama, Georgia, and Florida — growing demand for banking services without competitive overhang
- →Well-diversified commercial and industrial lending reduces excessive real estate concentration vs mortgage-heavy Southeast banks
Risks to watch — TFC
- →Integration complexity has been extensive: combining BB&T's and SunTrust's branch networks, technology platforms, and cultures has been an 4+ year process creating above-peer operating expense ratios
- →Return on equity has lagged regional bank peers: Truist's ROTCE has been below USB, PNC, and Regions during the integration — investors expect efficiency catch-up as integration matures
- →Commercial real estate office exposure in the Southeast US, where Truist has significant commercial banking presence
Risks to watch — RF
- →Smaller scale than Truist and super-regional peers limits Regions' institutional banking capabilities for the largest corporate transactions
- →Net interest income sensitivity: Regions' balance sheet is rate-sensitive — lower rates reduce NIM (net interest margin) from variable-rate lending
- →Competition for deposits and talent from fintech and national banks in Regions' Southeast markets
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