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Truist Financial Corporation is issuing $1,250,000,000 aggregate principal amount of 4.957% Fixed-to-Floating Rate Senior Notes due July 23, 2030 under its Medium-Term Notes, Series I program. The notes are senior unsecured obligations, issued in book-entry form at 100.000% of principal.
From the July 23, 2026 issue date to the July 23, 2029 reset date, the notes pay a fixed rate of 4.957% per annum with semi-annual interest on January 23 and July 23. From the reset date to maturity, interest is paid quarterly at Compounded SOFR plus 87.5 basis points, using an Actual/360 day count.
Truist expects net proceeds of $1,248,875,000 before expenses, after a 0.090% underwriters’ discount. The company may redeem the notes at a make-whole price after 180 days from issuance and before the reset date, and at 100% of principal (plus accrued interest) on the reset date or on or after June 23, 2030. The notes are not bank deposits and are not insured by the FDIC or any government agency, and sales to EEA and UK retail investors are prohibited.
Truist Financial Corporation is offering Medium-Term Notes, Series I, structured as fixed-to-floating rate senior unsecured notes due July 2030. The notes pay a fixed interest rate on a semi-annual basis from the issue date until a reset date in July 2029, then a floating quarterly rate based on Compounded SOFR with an Observation Period Shift plus a spread. Denominations are $2,000 and integral multiples of $1,000. Truist may redeem the notes at a make-whole price beginning 180 days after issuance and at par on the reset date and in specified periods before maturity. Interest during the fixed-rate period uses a 30/360 day count and New York/Charlotte business days; during the floating period it uses Actual/360 and adds U.S. Government Securities Business Days. The notes are underwritten on a firm commitment basis by a syndicate led by Truist Securities, BofA Securities, Goldman Sachs & Co. and TD Securities, are not bank deposits or FDIC-insured, and are restricted from retail distribution in the EEA and the UK.
Truist Financial Corporation reported solid second-quarter 2026 results, with net income available to common shareholders of $1.5 billion and diluted EPS of $1.23, up 37% from 2Q25. Total revenue on a taxable-equivalent basis was $5.31 billion, up 2.2% from 1Q26 and 5.5% year over year.
Taxable-equivalent net interest income grew to $3.67 billion, while noninterest income rose 5.9% quarter over quarter. Noninterest expense increased 2.4%. Asset quality remained strong: the net charge-off ratio was 0.50% and nonperforming loans were 0.51% of loans held for investment. The allowance for loan and lease losses was 1.51% of loans. Truist returned substantial capital, including $1.2 billion of common share repurchases and a $0.52 per-share common dividend, producing a 121% total payout ratio. Capital and liquidity stayed robust, with a CET1 ratio of 10.9% and an average liquidity coverage ratio of 113%.
Truist Financial Corporation, as parent holding company for Truist Advisory Services, Inc. and Truist Bank, reports beneficial ownership of 399,701 shares of Sterling Capital Funds Exchange Traded Fund, representing 30.56% of the class. Truist has sole power to vote 313,815 shares and shared voting power over 18,530 shares, with sole dispositive power over all 399,701 shares and no shared dispositive power. This Amendment No. 2 is submitted solely to correct a prior July 10, 2026 submission by indicating that the reporting group should also be classified as a bank under Item 3(b).
Truist Financial Corporation, as parent holding company for Truist Advisory Services, Inc. and Truist Bank in various fiduciary capacities, reports beneficial ownership of shares of Sterling Capital Funds Exchange Traded Fund with CUSIP 85917K447.
Truist reports beneficial ownership of 399,701 shares, representing 30.56% of the fund’s outstanding class. Of these, Truist has sole power to vote or direct the vote for 313,815 shares and shared voting power over 18,530 shares. It has sole power to dispose or direct the disposition of 399,701 shares and no shared dispositive power.
Truist Financial Corporation, as parent of Truist Advisory Services, Inc., reports beneficial ownership of 7,074.80 shares of FIRST TRUST EXCHANGE-TRADED FUND on a Schedule 13G/A (Amendment No. 1).
The position represents 0.42% of the class. Truist reports no sole or shared voting power over these shares but reports sole dispositive power over 7,074.80 shares, indicating authority to dispose of the position while not exercising voting rights. The filer confirms ownership of 5 percent or less of the class.
Truist Financial Corporation, as parent holding company for Truist Advisory Services, Inc., reports beneficial ownership of shares of J.P. Morgan Exchange-Traded Fund Trust on an amended Schedule 13G. The filing states beneficial ownership of 345 shares of the exchange-traded fund, representing 0.25% of the class.
Truist reports no sole or shared voting power over these shares, but reports sole dispositive power over 345 shares and no shared dispositive power. The position is explicitly identified as ownership of 5 percent or less of the class, with Truist acting in its capacity as a parent holding company for its registered investment adviser affiliate.
Truist Financial Corporation, as parent holding company for Truist Advisory Services, Inc., reported its holdings in the Zacks Trust Exchange Traded Fund in an amended Schedule 13G filing. The filing states beneficial ownership of 32,485 shares, representing 1.02% of the class, with no sole or shared voting power over the shares. Truist reports sole dispositive power over 32,485 shares and no shared dispositive power, confirming ownership of 5 percent or less of the ETF’s outstanding shares.
Truist Financial Corporation, as parent of Truist Advisory Services, Inc., reports passive beneficial ownership of shares of ETF Opportunities Trust on a Schedule 13G/A. Truist reports beneficial ownership of 74,203 shares, representing 2.01 percent of the class, with sole dispositive power over these shares but no sole or shared voting power. The filing characterizes this as ownership of 5 percent or less of the fund’s outstanding shares. The reporting person is organized in North Carolina, with the affiliated adviser organized in Delaware.
Truist Financial Corporation, as parent holding company for Truist Advisory Services, Inc., reports beneficial ownership of shares of First Trust Exchange-Traded Fund VIII on an amended Schedule 13G.
The filing lists beneficial ownership of 160,019 shares of the exchange traded fund, representing 3.20 % of the class. Truist reports no sole or shared voting power over these shares, but sole dispositive power over 160,019 shares and no shared dispositive power. The position is identified as ownership of 5 percent or less of the class.