---
schema_version: "secwatch.filing_event.v1"
accession: "0000092230-25-000031"
form_type: "8-K"
ticker: "TFC"
cik: "0000092230"
company_name: "TRUIST FINANCIAL CORP"
filed_at: "2025-04-17T23:59:59+00:00"
generated_at: "2026-05-23T12:53:17.531563+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Truist Q1 net income $1.2B, EPS $0.87; avg loans up 1.1%, deposits up 0.6%

## Summary
- Net income available to common shareholders $1.16B, diluted EPS $0.87; adjusted EPS also $0.87.
- Total TE revenue $4.95B, down 3.2% QoQ; net interest income $3.56B, down 2.4%.
- Noninterest expense down 4.3% to $2.91B; adjusted expense down 5.4% reflecting cost discipline.
- CET1 ratio 11.3%; repurchased $500M common shares; dividend $0.52/share per quarter.
- NCO ratio 0.60%; ALLL ratio 1.58%; net charge-offs $454M vs provision $458M.

## SEC filing metadata
- accession: 0000092230-25-000031
- form_type: 8-K
- ticker: TFC
- cik: 0000092230
- company_name: TRUIST FINANCIAL CORP
- filed_at: 2025-04-17T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/92230/000009223025000031/0000092230-25-000031-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/92230/000009223025000031/tfc-20250417.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000092230-25-000031
- JSON: https://secwatch.observer/filing/0000092230-25-000031.json
- Plain text: https://secwatch.observer/filing/0000092230-25-000031.txt

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