---
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"
generated_at: "2026-06-20T13:44:13.027867+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Truist Q4 2022 GAAP EPS $1.20, adjusted $1.30; net interest margin expands to 3.25%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000092230-23-000002
- JSON: https://secwatch.observer/filing/0000092230-23-000002.json
- Plain text: https://secwatch.observer/filing/0000092230-23-000002.txt

## Key facts
- Earnings Releases
  TRUIST FINANCIAL CORP reported financial results for full year 2022.
  - Period: full year 2022
  - Result: reported results
  source text: Truist reports fourth quarter and full year 2022 results
  evidence_url: https://www.sec.gov/Archives/edgar/data/92230/000009223023000002/0000092230-23-000002-index.htm
- Earnings Releases
  TRUIST FINANCIAL CORP reported financial results for fourth quarter 2022.
  - Period: fourth quarter 2022
  - Result: reported results
  source text: On January 19, 2023, Truist Financial Corporation (“Truist”) issued a press release reporting fourth quarter 2022 results
  evidence_url: https://www.sec.gov/Archives/edgar/data/92230/000009223023000002/0000092230-23-000002-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.