---
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"
generated_at: "2026-05-30T13:32:04.911052+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Truist Q3 net income $1.34B, EPS $0.99; NIM expands, $500M buyback

## Summary
- 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).

## SEC filing metadata
- 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
- 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/92230/000009223024000071/0000092230-24-000071-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/92230/000009223024000071/tfc-20241017.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000092230-24-000071
- JSON: https://secwatch.observer/filing/0000092230-24-000071.json
- Plain text: https://secwatch.observer/filing/0000092230-24-000071.txt

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