{"schema_version":"secwatch.filing_event.v1","accession":"0000092230-23-000002","form_type":"8-K","ticker":"TFC","cik":"0000092230","company_name":"TRUIST FINANCIAL CORP","filed_at":"2023-01-19T23:59:59+00:00","discovered_at":"2026-05-14T18:03:48.593470+00:00","generated_at":"2026-06-20T13:44:13.027867+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Truist Q4 2022 GAAP EPS $1.20, adjusted $1.30; net interest margin expands to 3.25%","bullets":["Net income available to common shareholders $1.6B, up 5.6% YoY; diluted EPS $1.20.","Adjusted PPNR of $2.5B, up 12% QoQ and 34% YoY; adjusted operating leverage 3.7%.","Average loans $320.7B, up 3.6% QoQ driven by commercial growth; BankDirect acquisition added $2.1B.","Provision for credit losses $467M vs $234M prior quarter; net charge-off ratio 0.34%.","CET1 ratio 9.0%; dividend $0.52 per share; no share repurchases in Q4."],"urls":{"canonical":"https://secwatch.observer/filing/0000092230-23-000002","json":"https://secwatch.observer/filing/0000092230-23-000002.json","markdown":"https://secwatch.observer/filing/0000092230-23-000002.md","text":"https://secwatch.observer/filing/0000092230-23-000002.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/92230/000009223023000002/0000092230-23-000002-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/92230/000009223023000002/tfc-20230119.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-20T13:44:13.027867+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"d515f62920b6b9ac0117f34e0fbc9bb8b9887733","claim":"TRUIST FINANCIAL CORP reported financial results for full year 2022.","evidence_excerpt":"Truist reports fourth quarter and full year 2022 results","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/92230/000009223023000002/0000092230-23-000002-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"full year 2022"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"e3b507ab4ab75c810b86623d69b3dfa03f254652","claim":"TRUIST FINANCIAL CORP reported financial results for fourth quarter 2022.","evidence_excerpt":"On January 19, 2023, Truist Financial Corporation (“Truist”) issued a press release reporting fourth quarter 2022 results","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/92230/000009223023000002/0000092230-23-000002-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"fourth quarter 2022"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}