Truist (NYSE: TFC) files 8-K on Q4 2025 earnings materials

Rhea-AI Filing Summary

Truist Financial Corporation filed a report to alert investors that it has issued its fourth quarter 2025 earnings materials. On January 21, 2026, the company released its Earnings Release, Quarterly Performance Summary, and an Earnings Release Presentation, and posted them on its website.

The filing explains that most of the earnings materials are treated as formally filed under the securities laws, while the CEO commentary section and the earnings presentation are furnished instead, which limits certain legal liabilities. It also notes that the documents contain forward-looking statements and that Truist does not undertake to update the information after the release date.

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

_____________________________________________

Form 8-K

Current Report

_____________________________________________

Pursuant to Section 13 or 15(d)

of the Securities Exchange Act of 1934

January 21, 2026

Date of Report (Date of earliest event reported)

Truist Financial Corporation

(Exact name of registrant as specified in its charter)

_____________________________________________

North Carolina			1-10853			56-0939887
(State or other jurisdiction of incorporation)			(Commission File Number)			(IRS Employer Identification No.)

214 North Tryon Street
Charlotte,			North Carolina			28202
(Address of principal executive offices)						(Zip Code)

(844) 487-8478

(Registrant’s telephone number, including area code)

Not Applicable

(Former name, former address and former fiscal year, if changed since last report)

_____________________________________________

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class			Trading Symbol(s)			Name of each exchange on which registered
Common Stock, $5 par value			TFC			New York Stock Exchange
Depositary Shares each representing 1/4,000th interest in a share of Series I Perpetual Preferred Stock			TFC.PI			New York Stock Exchange
5.853% Fixed-to-Floating Rate Normal Preferred Purchase Securities each representing 1/100th interest in a share of Series J Perpetual Preferred Stock			TFC.PJ			New York Stock Exchange
Depositary Shares each representing 1/1,000th interest in a share of Series O Non-Cumulative Perpetual Preferred Stock			TFC.PO			New York Stock Exchange
Depositary Shares each representing 1/1,000th interest in a share of Series R Non-Cumulative Perpetual Preferred Stock			TFC.PR			New York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ¨

ITEM 2.02    Results of Operations and Financial Condition.

On January 21, 2026, Truist Financial Corporation (“Truist”) issued a press release announcing its reporting of fourth quarter 2025 results and posted on its website its fourth quarter 2025 Earnings Release, Quarterly Performance Summary, and Earnings Release Presentation. The materials contain forward-looking statements regarding Truist and include cautionary language identifying important factors that could cause actual results to differ materially from those anticipated.

The information included in Exhibits 99.1 and 99.2, other than the quotation under the heading “CEO Commentary” on page 1 of Exhibit 99.1, shall be deemed “filed” for purposes of the Securities Exchange Act of 1934 (“Exchange Act”). The (i) quotation under the heading “CEO Commentary” on page 1 of Exhibit 99.1 and (ii) the Earnings Release Presentation included as Exhibit 99.3 are being furnished and shall not be deemed “filed” for purposes of Section 18 of the Exchange Act or otherwise subject to the liabilities under that section. Such quotation and Presentation will not be deemed incorporated by reference into another filing under the Exchange Act or Securities Act of 1933, except as otherwise expressly stated in such subsequent filing.

All information in the Earnings Release, Quarterly Performance Summary, and Earnings Release Presentation speaks as of the date thereof, and Truist does not assume any obligation to update such information in the future.

ITEM 9.01    Financial Statements and Exhibits.

(d)    Exhibits.

Exhibit No.						Description
99.1						Earnings Release issued January 21, 2026.
99.2						Quarterly Performance Summary issued January 21, 2026.
99.3						Earnings Release Presentation issued January 21, 2026.
104						The cover page from this Current Report on Form 8-K, formatted in Inline XBRL

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

			TRUIST FINANCIAL CORPORATION
						(Registrant)
			By:			/s/ Cynthia B. Powell
						Cynthia B. Powell
						Executive Vice President and Corporate Controller
						(Principal Accounting Officer)

Date: January 21, 2026

FAQ

What did Truist Financial Corporation (TFC) disclose in this 8-K?

Truist Financial Corporation disclosed that it issued and posted its fourth quarter 2025 Earnings Release, Quarterly Performance Summary, and Earnings Release Presentation on January 21, 2026.

Which Truist (TFC) earnings documents are treated as filed with the SEC?

The information in Exhibits 99.1 and 99.2, other than the quotation under the heading “CEO Commentary” on page 1 of Exhibit 99.1, is deemed filed for purposes of the Securities Exchange Act of 1934.

Which Truist (TFC) materials are furnished rather than filed?

The quotation under the heading “CEO Commentary” on page 1 of Exhibit 99.1 and the Earnings Release Presentation in Exhibit 99.3 are furnished and not deemed filed under Section 18 of the Exchange Act.

What exhibits did Truist (TFC) include with this earnings 8-K?

Truist included Exhibit 99.1 (Earnings Release), Exhibit 99.2 (Quarterly Performance Summary), Exhibit 99.3 (Earnings Release Presentation), and Exhibit 104 (the cover page formatted in Inline XBRL).

Does Truist (TFC) provide any guidance on updating the Q4 2025 earnings information?

The company states that all information in the Earnings Release, Quarterly Performance Summary, and Earnings Release Presentation speaks as of the date of those documents and that it does not assume any obligation to update that information in the future.

Do the Truist (TFC) Q4 2025 earnings materials contain forward-looking statements?

Yes. The materials contain forward-looking statements about Truist and include cautionary language identifying important factors that could cause actual results to differ materially.