Truist Financial Corp

TFC: XNYS (USA)

Morningstar Rating for Stocks	Fair Value	Economic Moat	Capital Allocation
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Truist Is Expanding in Its Southern Markets, With a Target of 100 New Branch Openings

Maoyuan Chen

Oct 13, 2025

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 capital to reposition some of its lower-yield securities, 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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Truist Financial Corp

Truist Is Expanding in Its Southern Markets, With a Target of 100 New Branch Openings

Business Strategy and Outlook

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