{"schema_version":"secwatch.filing_event.v1","accession":"0000092230-25-000005","form_type":"8-K","ticker":"TFC","cik":"0000092230","company_name":"TRUIST FINANCIAL CORP","filed_at":"2025-01-17T23:59:59+00:00","discovered_at":"2026-05-14T18:03:06.824684+00:00","generated_at":"2026-05-27T23:39:34.897205+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 net income $1.2B, EPS $0.91; CET1 ratio 11.5%; $500M share repurchases","bullets":["Net income available to common shareholders of $1.2B, diluted EPS $0.91 (adjusted $0.91).","Average deposits up $5.7B; total deposit costs down 19 bps to 1.89%.","CET1 ratio 11.5%; repurchased $500M common shares; dividend payout ratio 57%.","Full-year 2024 adjusted EPS $3.69; net interest margin 3.07% for Q4.","Net charge-off ratio 0.59%; ALLL ratio 1.59%."],"urls":{"canonical":"https://secwatch.observer/filing/0000092230-25-000005","json":"https://secwatch.observer/filing/0000092230-25-000005.json","markdown":"https://secwatch.observer/filing/0000092230-25-000005.md","text":"https://secwatch.observer/filing/0000092230-25-000005.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/92230/000009223025000005/0000092230-25-000005-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/92230/000009223025000005/tfc-20250117.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T23:39:34.897205+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"}