{"schema_version":"secwatch.filing_event.v1","accession":"0000092230-25-000150","form_type":"8-K","ticker":"TFC","cik":"0000092230","company_name":"TRUIST FINANCIAL CORP","filed_at":"2025-10-17T23:59:59+00:00","discovered_at":"2026-05-14T18:02:42.620357+00:00","generated_at":"2026-05-17T03:29:29.029400+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 $1.35B, diluted EPS $1.04; shares repurchased $500M","bullets":["Net income available to common $1.35B, diluted EPS $1.04 (vs $0.90 in Q2 2025).","Total revenue $5.19B (+4% QoQ); net interest income $3.63B, noninterest income $1.56B (+11%).","Average loans HFI up 2.5% to $320.5B; deposits down 1% to $396.6B.","CET1 ratio 11.0%; repurchased $500M common shares; dividend $0.52/share (50% payout).","Net charge-off ratio 0.48% (down 3 bps QoQ); ALLL ratio 1.54%."],"urls":{"canonical":"https://secwatch.observer/filing/0000092230-25-000150","json":"https://secwatch.observer/filing/0000092230-25-000150.json","markdown":"https://secwatch.observer/filing/0000092230-25-000150.md","text":"https://secwatch.observer/filing/0000092230-25-000150.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/92230/000009223025000150/0000092230-25-000150-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/92230/000009223025000150/tfc-20251017.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T03:29:29.029400+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"}