{"schema_version":"secwatch.filing_event.v1","accession":"0000092230-24-000003","form_type":"8-K","ticker":"TFC","cik":"0000092230","company_name":"TRUIST FINANCIAL CORP","filed_at":"2024-01-18T23:59:59+00:00","discovered_at":"2026-05-14T18:03:27.305495+00:00","generated_at":"2026-06-06T22:22:02.925039+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Truist posts Q4 GAAP loss of $5.2B on $6.1B goodwill impairment; adjusted EPS $0.81","bullets":["GAAP net loss of $5.2B ($3.85/share) includes $6.1B non-cash goodwill impairment, $507M FDIC special assessment.","Adjusted net income of $1.1B ($0.81/share), up from $1.07B in Q3; adjusted PPNR up 8.6% to $2.4B.","CET1 ratio improved 20 bps to 10.1% from organic capital generation and RWA optimization.","Average loans and deposits declined 1.7% and 1.4% sequentially; NIM up 3 bps to 2.98%.","Asset quality: NPA down 6%, ALLL ratio up 5 bps to 1.54%, NCO ratio 57 bps (up 6 bps)."],"urls":{"canonical":"https://secwatch.observer/filing/0000092230-24-000003","json":"https://secwatch.observer/filing/0000092230-24-000003.json","markdown":"https://secwatch.observer/filing/0000092230-24-000003.md","text":"https://secwatch.observer/filing/0000092230-24-000003.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/92230/000009223024000003/0000092230-24-000003-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/92230/000009223024000003/tfc-20240118.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-06T22:22:02.925039+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":"562752ccf8c18e2669d29bef0eaeaddd927bd3bb","claim":"TRUIST FINANCIAL CORP reported fourth quarter 2023 results: net income Net loss was $5.2 billion, EPS $3.85 per diluted share.","evidence_excerpt":"On January 18, 2024, Truist Financial Corporation (“Truist”) issued a press release announcing its reporting of fourth quarter 2023 results","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/92230/000009223024000003/0000092230-24-000003-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"fourth quarter 2023"},{"label":"Net income","value":"Net loss was $5.2 billion"},{"label":"EPS","value":"$3.85 per diluted share"},{"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"}