---
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"
generated_at: "2026-05-17T03:29:29.029400+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 $1.35B, diluted EPS $1.04; shares repurchased $500M

## Summary
- 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%.

## SEC filing metadata
- 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
- 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/92230/000009223025000150/0000092230-25-000150-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/92230/000009223025000150/tfc-20251017.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000092230-25-000150
- JSON: https://secwatch.observer/filing/0000092230-25-000150.json
- Plain text: https://secwatch.observer/filing/0000092230-25-000150.txt

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