Truist Financial
TFC Β· Diversified Banks
$48.44
0.0%U.S. Bancorp
USB Β· Diversified Banks
$59.58
0.7%The short version
- U.S. Bancorp is the larger business, with $28.7B of revenue in fiscal 2025 against $20.3B for Truist Financial.
- Truist Financial grew revenue faster (53.0%, against 4.4%).
- Investors pay more for each dollar of U.S. Bancorpβs earnings: a P/E of 11.9x against 11.1x for Truist Financial.
| Latest fiscal year | TFC Β· FY25 | USB Β· FY25 |
|---|---|---|
| Size | ||
| Market cap | $63.1B | $92.8B |
| Revenue | $20.3B | $28.7B |
| Free cash flow | β | β |
| Net income | $5.3B | $7.6B |
| Growth | ||
| Revenue growth | 53.0% | 4.4% |
| 5-year growth | β2.2% | 4.3% |
| Share count change | β2.1% | β0.2% |
| Profitability | ||
| Gross margin | β | β |
| Operating margin | β | β |
| Net margin | 26.1% | 26.4% |
| FCF margin | β | β |
| Return on capital | β | β |
| Return on equity | 8.2% | 12.2% |
| Balance sheet | ||
| Net debt | β | β |
| Net debt / EBITDA | β | β |
| Dividends and buybacks | $5.2B | $3.7B |
| Valuation & quality | ||
| P/E | 11.1x | 11.9x |
| Piotroski F-score | β | β |
FY16
TFC $10.8B
USB $21.3B
FY17
TFC $11.3B
USB $21.9B
FY18
TFC $11.6B
USB $22.6B
FY19
TFC $12.6B
USB $22.9B
FY20
TFC $22.7B
USB $23.2B
FY21
TFC $22.3B
USB $22.7B
FY22
TFC $20.0B
USB $24.3B
FY23
TFC $20.0B
USB $28.1B
FY24
TFC $13.3B
USB $27.5B
FY25
TFC $20.3B
USB $28.7B
TFC
USB
FY16
TFC β
USB β
FY17
TFC β
USB β
FY18
TFC β
USB β
FY19
TFC β
USB β
FY20
TFC β
USB β
FY21
TFC β
USB β
FY22
TFC β
USB β
FY23
TFC β
USB β
FY24
TFC β
USB β
FY25
TFC β
USB β
TFC
USB
FY16
TFC β
USB β
FY17
TFC β
USB β
FY18
TFC β
USB β
FY19
TFC β
USB β
FY20
TFC β
USB β
FY21
TFC β
USB β
FY22
TFC β
USB β
FY23
TFC β
USB β
FY24
TFC β
USB β
FY25
TFC β
USB β
TFC
USB
FY16
TFC β
USB β
FY17
TFC β
USB β
FY18
TFC β
USB β
FY19
TFC β
USB β
FY20
TFC β
USB β
FY21
TFC β
USB β
FY22
TFC β
USB β
FY23
TFC β
USB β
FY24
TFC β
USB β
FY25
TFC β
USB β
TFC
USB
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