Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Truist FinancialTFC +0.14%59 Shiller PE Ratio is 12.96 as of Sep. 13, 2026, which is 10% below its 10-year median of 14.43. GuruFocus rates TFC with a GF Score™ of 59/100 and a GF Value™ of $51.73 (Fairly Valued). The stock has 6 warning signs investors should review. Among 1,236 Banks companies, Truist Financial ranks better than 56.8% on this metric.
As of today (2026-09-13), Truist Financial's current share price is $50.40. Truist Financial's E10 for the quarter that ended in Jun. 2026 was $3.89. Truist Financial's Shiller PE Ratio for today is 12.96.
The historical rank and industry rank for Truist Financial's Shiller PE Ratio or its related term are showing as below:
TFC'
s Shiller PE Ratio Range Over the Past 10 Years
Min: 6.74 Med: 14.43 Max: 23.25
Current: 12.94
During the past years, Truist Financial's highest Shiller PE Ratio was 23.25. The lowest was 6.74. And the median was 14.43.
TFC's Shiller PE Ratio is ranked better than 56.8% of 1236
companies
in the Banks industry
Industry Median: 13.915
vs TFC: 12.94
E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.
Truist Financial's adjusted earnings per share data for the three months ended in Jun. 2026 was $1.230. Add all the adjusted EPS for the past 10 years together and divide 10 will get our E10, which is $3.89 for the trailing ten years ended in Jun. 2026.
Shiller PE for Stocks: The True Measure of Stock Valuation
Truist Financial (NYSE:TFC) Shiller PE Ratio Explanation
Compared with the regular PE Ratio, which works poorly for cyclical businesses, the Shiller PE Ratio smoothed out the fluctuations of profit margins during business cycles. Therefore it is more accurate in reflecting the valuation of the company.
If a company has consistent business performance, the Shiller PE Ratio should give similar results to regular PE Ratio.
Compared with the PS Ratio, the Shiller PE Ratio makes the comparison between different industries more meaningful.
Be Aware
Shiller PE Ratio assumes that over the long term, businesses and profitability revert to their means. If a company's business model does not work in the future compared with the past, Shiller PE Ratio and PS Ratio will give false valuations.
Truist Financial Shiller PE Ratio Related Terms
Truist Financial Shiller PE Ratio Historical Data
* Premium members only.
The historical data trend for Truist Financial's Shiller PE Ratio can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, Truist Financial's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Truist Financial Shiller PE Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Truist Financial's Shiller PE Ratio distribution charts can be found below:
* The bar in red indicates where Truist Financial's Shiller PE Ratio falls into.
For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller PE Ratio is also called PE10.
The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Truist Financial's E10 for the quarter that ended in Jun. 2026 is calculated as:
For example, Truist Financial's adjusted earnings per share data for the three months ended in Jun. 2026 was:
Add all the adjusted EPS together and divide 10 will get our E10.
Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.
Truist Financial (TFC) has a Shiller PE Ratio of 12.96 as of Sep. 13, 2026. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on Truist Financial and its competitors. This is 10% below median its historical median of 14.43. Over the past decade, Truist Financial's Shiller PE Ratio has ranged from 6.74 to 23.25. According to the industry distribution chart, Truist Financial ranks #534 out of 1236 companies in the Banks industry, placing it in the top 43.2%.
Is Truist Financial's Shiller PE Ratio too high?
Truist Financial's current Shiller PE Ratio of 12.96 is 10% below median its 10-year median of 14.43. Over the past 10 years, this metric has ranged from a low of 6.74 to a high of 23.25. The Banks industry median Shiller PE Ratio is 13.92. Truist Financial's value of 12.96 is 6.9% below this industry median. Based on the distribution chart, Truist Financial ranks #534 out of 1236 companies in the Banks industry, which is above the industry midpoint. Overall, Truist Financial has a GF Score™ of 59/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Truist Financial's Shiller PE Ratio compare to NU and FITB?
According to the Banks industry distribution chart, Truist Financial ranks #534 out of 1236 companies for Shiller PE Ratio. This puts Truist Financial in the upper half of its industry. The industry median Shiller PE Ratio is 13.92. Truist Financial's value of 12.96 is 6.9% below this benchmark. Historically, Truist Financial's own Shiller PE Ratio has ranged from 6.74 to 23.25 over the past decade. While the company's 10-year median is 14.43 vs. the industry median of 13.92, Truist Financial has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Shiller PE Ratio for a Banks company?
The median Shiller PE Ratio among Banks companies is 13.92, based on 1,236 companies in the industry. Companies in the top quartile (top 25%) have a Shiller PE Ratio significantly above this median, while those in the bottom quartile fall well below. However, Shiller PE Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Truist Financial's current Shiller PE Ratio of 12.96 is 6.9% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Shiller PE Ratio mean?
A high Shiller PE Ratio can signal that a stock is expensive relative to its fundamentals. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on Truist Financial and its competitors. For the Banks industry, the median Shiller PE Ratio is 13.92 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Truist Financial's current Shiller PE Ratio is 12.96, which is 10% below median its own 10-year median of 14.43. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Truist Financial stock overvalued right now?
Based on GuruFocus' analysis, Truist Financial (TFC) is currently considered Fairly Valued. The stock's GF Value™ is $51.73, compared to a current price of $50.40 — trading 2.6% below its estimated fair value. The current Shiller PE Ratio is 12.96, which is 10% below median its 10-year median of 14.43 and 6.9% below the Banks industry median of 13.92. Truist Financial's overall GF Score™ is 59/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Shiller PE Ratio calculated?
Shiller PE Ratio is calculated from a company's financial statements. For Truist Financial (TFC), the current Shiller PE Ratio is 12.96 as of Sep. 13, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Truist Financial (TFC) Overvalued in 2026?
Based on GuruFocus' analysis, Truist Financial stock appears to be undervalued.
The current stock price of $50.40 is trading 2.6% below its estimated GF Value™ of $51.73.
GuruFocus considers Truist Financial to be Fairly Valued.
Key valuation signals for TFC:
Shiller PE Ratio: 12.96 (10% below median its 10-year median of 14.43)
GF Value™: $51.73 vs. price of $50.40 (2.6% below fair value)
Industry Position: 6.9% below the Banks median (#534 of 1236)
No single metric tells the full story. See the TFC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Truist Financial is one of the three super-regional banks in the US, with around $550 billion in assets as of the first quarter of 2026. Truist emerged from the combination of BB&T and SunTrust in 2019. Based in Charlotte, North Carolina, the bank's footprint is largely in the Mid-Atlantic and Southeast. Apart from retail and commercial banking operations, the bank also offers online and point-of-sale consumer lending, cards, wealth management, investment banking, and other banking services.
59GF Score
Get the complete analysis for TFC
Shiller PE Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
TFC has been successfully added to your 
