---
schema_version: "secwatch.filing_event.v1"
accession: "0000092230-26-000023"
form_type: "8-K"
ticker: "TFC"
cik: "0000092230"
company_name: "TRUIST FINANCIAL CORP"
filed_at: "2026-01-21T23:59:59+00:00"
generated_at: "2026-05-16T09:27:25.874531+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Truist Q4 net income $1.3B ($1.00 EPS); announces $10B buyback authorization

## Summary
- Net income available to common shareholders $1.29B, diluted EPS $1.00, down from $1.04 in Q3.
- Revenue $5.25B (+1.1% linked quarter); NIM-TE up 6 bps to 3.07%.
- Noninterest expense $3.17B (+5.2% linked Q) includes $130M legal settlement accrual and $63M severance.
- Average loans and leases HFI $324.8B (+1.3% linked Q); deposits flat at $396B.
- CET1 ratio 10.8%; repurchased $750M common stock; Board authorized up to $10B repurchase program with no expiry.

## SEC filing metadata
- accession: 0000092230-26-000023
- form_type: 8-K
- ticker: TFC
- cik: 0000092230
- company_name: TRUIST FINANCIAL CORP
- filed_at: 2026-01-21T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- 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/92230/000009223026000023/0000092230-26-000023-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/92230/000009223026000023/tfc-20260121.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000092230-26-000023
- JSON: https://secwatch.observer/filing/0000092230-26-000023.json
- Plain text: https://secwatch.observer/filing/0000092230-26-000023.txt

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