---
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"
generated_at: "2026-05-27T23:39:34.897205+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Truist Q4 net income $1.2B, EPS $0.91; CET1 ratio 11.5%; $500M share repurchases

## Summary
- 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%.

## SEC filing metadata
- 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
- 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/92230/000009223025000005/0000092230-25-000005-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/92230/000009223025000005/tfc-20250117.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000092230-25-000005
- JSON: https://secwatch.observer/filing/0000092230-25-000005.json
- Plain text: https://secwatch.observer/filing/0000092230-25-000005.txt

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