{"schema_version":"secwatch.filing_event.v1","accession":"0000092230-24-000071","form_type":"8-K","ticker":"TFC","cik":"0000092230","company_name":"TRUIST FINANCIAL CORP","filed_at":"2024-10-17T23:59:59+00:00","discovered_at":"2026-05-14T18:03:11.400714+00:00","generated_at":"2026-05-30T13:32:04.911052+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 Q3 net income $1.34B, EPS $0.99; NIM expands, $500M buyback","bullets":["Net income available to common shareholders $1.34B ($0.99 diluted EPS); adjusted EPS $0.97.","Net interest income (TE) $3.66B (+2.2% QoQ); NIM 3.12% (+10 bps QoQ, +20 bps YoY).","Average loans HFI $303.2B (-1.0% QoQ); average deposits $384.3B (-1.0% QoQ).","CET1 ratio 11.6%; repurchased $500M common shares; dividend $0.52/share (payout ratio 90%).","Provision for credit losses $448M; NCO ratio 0.55% (-3 bps QoQ); ALLL ratio 1.60% (+3 bps)."],"urls":{"canonical":"https://secwatch.observer/filing/0000092230-24-000071","json":"https://secwatch.observer/filing/0000092230-24-000071.json","markdown":"https://secwatch.observer/filing/0000092230-24-000071.md","text":"https://secwatch.observer/filing/0000092230-24-000071.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/92230/000009223024000071/0000092230-24-000071-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/92230/000009223024000071/tfc-20241017.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T13:32:04.911052+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}