TFC at a glance
Truist Financial (TFC, SEC CIK 92230) filed its latest 10-K annual report on February 24, 2026, a 10-Q quarterly report on July 31, 2026, an 8-K current report on September 15, 2026 and Form 4 insider filings as recently as September 18, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), Truist Financial (TFC) reported revenue of $24.5 billion (down 2.1% from FY2024) and net income of $5.0 billion. Diluted EPS was $3.82.
- As of June 30, 2026, 53 institutional investment managers tracked by SignalX reported holding Truist Financial (TFC) shares worth $22.3 billion in 13F-HR filings.
- The most recent insider open-market purchase reported on Form 4 was by Lyons Michael P. on September 17, 2026 of 21,000 shares at $48.36 per share.
- In the last 90 days, TFC insiders reported 1 open-market purchase ($1.0M) and 3 open-market sales ($1.6M) on Form 4, a net sale of $569K.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $24.5B
- −2.1% vs prior year
- Insiders · 90 days
- 1 buy · 3 sells
- Net −$569K
- 13F holders
- 53 funds
- $22.3B · +2 vs prior quarter
- Latest 8-K
- Sep 15, 2026
- Item 7.01
AI 10-K Annual Report Analysis
Latest 10-K, fiscal year ended Dec 31, 2025
Risk Factors
- Regulatory capital rules under Basel Framework/Dodd-Frank and Category III BHC status impose more stringent LCR, NSFR, and stress capital buffer requirements than smaller rivals
- Geopolitical instability and U.S. tariff/trade policy uncertainty threaten commercial lending conditions, collateral values, and client creditworthiness across Truist's Southeast-heavy footprint
- Heavy reliance on cloud service providers and third-party tech vendors creates operational exposure to outages and supply chain cyber-attacks outside Truist's direct control
- Fintechs and digital-asset/stablecoin platforms competing with less regulatory burden, threatening deposit gathering and payment flows without equivalent compliance costs
- $6.1B goodwill impairment charge taken in 2023; sustained stock price decline or deteriorating unit forecasts risk additional non-cash, nondeductible write-downs
Management Discussion & Analysis
- Revenue (NII + noninterest income) not explicitly broken out as a single total; NII rose to $12.3B in 2025 vs $11.4B in 2024, up ~8% YoY driven by deposit repricing and loan growth
- Net income available to common shareholders $5.1B in 2025 vs $4.3B in 2024; operating efficiency ratio 56.1% vs 59.2% prior year
- WB (Wholesale Banking) best performer: segment net income up materially on investment banking momentum and middle-market growth; CSBB faced deposit competition headwinds
- Capital return: $2.8B in share repurchases plus common dividends maintained; CET1 ratio 11.5%; capex/investment spending not separately quantified in provided text
- Key risks flagged: tariff/trade policy uncertainty, CFPB regulatory retreat creating state-level enforcement gap, AI operational risk, and indirect auto loan nonaccrual criteria change effective January 1, 2026
Business Overview
- Top-10 U.S. commercial bank operating 1,927 branches across Southeast, Mid-Atlantic, and select other states with two segments: Wholesale Banking (WB) and CSBB
- 2025 strategy emphasized commercial middle market via industry banking, Investment Banking momentum, and Premier client deposit growth in CSBB
- Competitive framing notably expanded to include digital assets, stablecoins, cryptocurrencies, and tokenization as emerging non-bank threats
- Total workforce 38,711 teammates (95.8% full-time) as of Dec 31, 2025; contingent workforce additional and unquantified
- SCB frozen at 2.5% through 2027 after FRB extended stress-test deadlines: unusual regulatory limbo affecting capital planning certainty
AI summary of the TFC 10-K filed . Generated from the filing text; verify against the original.View on SEC EDGARHow to read a 10-K
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Management Discussion & Analysis
- Revenue $5.3B, up $278M YoY; noninterest income $1.6B, up $244M
- ROTCE 15.4% vs 12.3% YoY; NIM 2.98% vs 3.02%
- Best segment CSBB net income $835M, up 45.5%; worst OT&C loss $242M vs $195M
- Capital returned $1.8B through $636M dividends and $1.2B repurchases
- CET1 ratio 10.9%; LCR 113%; credit provision $395M vs $488M YoY
Risk Factors
- No material risk-factor changes from December 31, 2025 Form 10-K
- Unknown or underestimated risks potentially affecting business, financial condition, or operating results
- No newly triggered regulatory, legal, or compliance risk disclosed
- No specific operational, competitive, market, liquidity, debt, currency, or concentration updates disclosed
AI summary of the TFC 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 7.01: Regulation FD Disclosure
- Exhibit 99.1 contains Truist’s forward-looking statements and related expectations, plans, and forecasts
- Investors should treat projections as non-guaranteed, with outcomes exposed to operational, market, regulatory, and other risks
Item 5.03: Amendments to Articles of Incorporation or Bylaws
- Exclusive federal-court forum for Securities Act claims, absent Truist’s written consent to another forum
- Provision aims to consolidate securities litigation and potentially reduce duplicative state-court proceedings
Item 8.01: Other Events
- Truist issued $1.25B senior medium-term notes, providing substantial long-term funding
- Notes mature July 23, 2030, creating a defined refinancing obligation
AI summaries of TFC 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for TFC
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| Lyons Michael P. | Buy | Sep 17, 2026 | 21,000 | $48.36 |
| Lyons Michael P. | A | Sep 1, 2026 | 266,990 | - |
| Lyons Michael P. | A | Sep 1, 2026 | 84,951 | - |
| Wilson Donta L | Sell | Jul 31, 2026 | 13,280 | $51.85 |
| Bessant Catherine P | A | Jul 28, 2026 | 2,338 | - |
| Boyer K. David Jr. | Sell | Jul 23, 2026 | 3,986 | $50.70 |
| ROGERS WILLIAM H JR | Sell | Jul 20, 2026 | 13,250 | $52.36 |
| Bender Bradley D | F | Jun 1, 2026 | 9,115 | $46.87 |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|
| Profitability | ||||
| Revenue | $24.5B | $25.1B | $24.5B | |
| Net Income | -$1.5B | $4.5B | $5.0B | |
| Net Margin | -5.9% | 17.8% | 20.3% | |
| Balance Sheet | ||||
| Total Assets | $535.3B | $531.2B | $547.5B | |
| Equity | $59.3B | $63.7B | $65.2B | |
| ROE | -2.5% | 7.0% | 7.6% | |
| Per Share | ||||
| EPS | $-1.09 | $3.36 | $3.82 | |
| Cash Flow | ||||
| Operating CF | $8.6B | $2.2B | $5.7B | |
Source: XBRL data in Truist Financial (TFC)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate TFC share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 53 | $22.26B |
| Q1 2026 | 51 | $20.17B |
| Q4 2025 | 50 | $22.50B |
| Q3 2025 | 51 | $21.68B |
| Q2 2025 | 50 | $20.27B |
| Q1 2025 | 47 | $15.20B |
| Q4 2024 | 44 | $11.57B |
| Q3 2024 | 40 | $5.55B |
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Source: 13F-HR filings on SEC EDGAR (aggregated from 386 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
TFC filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
10-Q quarterly reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 4 | Sep 18, 2026 | - | - | - |
| 8-K | Sep 15, 2026 | - | Analysis | - |
| 4 | Sep 3, 2026 | - | - | - |
| 4 | Aug 4, 2026 | - | - | - |
| 10-Q | Jul 31, 2026 | Jun 30, 2026 | Analysis | |
| 4 | Jul 30, 2026 | - | - | - |
| 8-K | Jul 29, 2026 | - | Analysis | - |
| 13F-HR | Jul 28, 2026 | Jun 30, 2026 | - | |
| 4 | Jul 27, 2026 | - | - | - |
| 8-K | Jul 23, 2026 | - | Analysis | - |
| 4 | Jul 22, 2026 | - | - | - |
| 8-K | Jul 17, 2026 | - | Analysis | - |
| SC 13G | Jul 8, 2026 | - | - | |
| SC 13G | Jul 8, 2026 | - | - | |
| SC 13G | Jul 8, 2026 | - | - | |
| SC 13G | Jul 8, 2026 | - | - | |
| SC 13G | Jul 6, 2026 | - | - | |
| 8-K | Jun 15, 2026 | - | Analysis | - |
| 8-K | Jun 8, 2026 | - | Analysis | |
| 4 | Jun 3, 2026 | - | - | |
| 8-K | May 15, 2026 | - | Analysis | |
| 8-K | May 1, 2026 | - | Analysis | - |
| 10-Q | May 1, 2026 | Mar 31, 2026 | Analysis | |
| SC 13G | Apr 30, 2026 | - | - | |
| 13F-HR | Apr 27, 2026 | Mar 31, 2026 | - |
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TFC SEC filings: frequently asked questions
Are TFC insiders buying or selling?
In the last 90 days, Truist Financial (TFC) officers, directors and 10% owners reported 1 open-market purchase worth $1.0 million by 1 insider and 3 open-market sales worth $1.6 million by 3 insiders on Form 4, a net sale of $568,942. Many insider sales are pre-planned or for taxes, so purchases usually carry more information.
Which institutions hold TFC stock?
As of June 30, 2026, the largest Truist Financial (TFC) holders among the 13F filers tracked by SignalX were BlackRock ($5.0 billion), Vanguard Capital Management LLC ($4.1 billion), State Street Corp ($2.9 billion), Vanguard Portfolio Management LLC ($2.1 billion), Bank of America Corp ($1.8 billion). 13F-HR reports are filed up to 45 days after each quarter ends.
What was TFC's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), Truist Financial (TFC) reported revenue of $24.5 billion (down 2.1% from FY2024) and net income of $5.0 billion. Diluted EPS was $3.82. The figures come from the XBRL data in the 10-K.
What are the main risks in TFC's latest 10-K?
In the 10-K filed February 24, 2026, Truist Financial (TFC) flagged: Regulatory capital rules under Basel Framework/Dodd-Frank and Category III BHC status impose more stringent LCR, NSFR, and stress capital buffer requirements than smaller rivals. Geopolitical instability and U.S. tariff/trade policy uncertainty threaten commercial lending conditions, collateral values, and client creditworthiness across Truist's Southeast-heavy footprint. (AI summary of the Risk Factors section.)
What did TFC report in its latest 8-K?
Truist Financial (TFC) filed an 8-K on September 15, 2026 reporting Item 7.01 (Regulation FD Disclosure). Exhibit 99.1 contains Truist’s forward-looking statements and related expectations, plans, and forecasts.
What are the latest TFC SEC filings?
Truist Financial (TFC) filed its latest 10-K annual report on February 24, 2026, a 10-Q quarterly report on July 31, 2026, an 8-K current report on September 15, 2026 and a Form 4 insider filing on September 18, 2026.
What is TFC's SEC CIK number?
Truist Financial (TFC)'s SEC Central Index Key (CIK) is 92230. EDGAR lists every TFC filing under that number.
Ask anything about TFC
The research agent reads TFC's filings, financials, insider trades and 13F holders, then answers with sources.