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TRUIST FINANCIAL CORP (TFC) Annual Reports

Q: Where can I read TRUIST FINANCIAL CORP (TFC) annual reports?

Every year on this page links straight to the full text on SEC EDGAR. US annual reports are web pages (HTML) rather than PDFs, so you can read and search them in the browser. 3 filings are currently indexed.

Q: What is the difference between a 10-K and a 20-F?

A 10-K is the annual report of a US domestic issuer; a 20-F is filed by foreign private issuers (Taiwanese companies with US ADRs, such as TSMC, file 20-F). A 40-F applies to Canadian issuers under the MJDS.

TRUIST FINANCIAL CORP is listed on NYSE, classified by the SEC under National Commercial Banks (SIC 6021). This page indexes 3 annual reports, each linking to the full text on the SEC's EDGAR system.

Company profile

Exchange： NYSE
Fiscal year end： 12/31
SEC CIK： 92230 →

Website：Official site ↗

Financial Highlights

FY2026 Q2 (quarterly, ended 2026-06-30)
	Current	Prior year	YoY
Net income	$1.6B	$1.2B	+25.2%
EPS (diluted)	$1.23	$0.90	+36.7%

Source: SEC EDGAR (XBRL company facts)

Financial history

Revenue & profit

Quarterly · In bn (USD)

Net income 1.55 bn

Show table：Income statement

Item	2009Q1	2009Q2	2009Q3	2009Q4	2010Q1	2010Q2	2010Q3	2010Q4	2011Q1	2011Q2	2011Q3	2011Q4	2012Q1	2012Q2	2012Q3	2012Q4	2013Q1	2013Q2	2013Q3	2013Q4	2014Q1	2014Q2	2014Q3	2014Q4	2015Q1	2015Q2	2015Q3	2015Q4	2016Q1	2016Q2	2016Q3	2016Q4	2017Q1	2017Q2	2017Q3	2017Q4	2018Q1	2018Q2	2018Q3	2018Q4	2019Q1	2019Q2	2019Q3	2019Q4	2020Q1	2020Q2	2020Q3	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	2025Q3	2025Q4	2026Q1	2026Q2
Net income	0.32	0.21	0.16	0.19	0.19	0.22	0.22	0.22	0.23	0.33	0.37	0.77	0.45	0.54	0.5	1.58	0.26	0.58	0.31	0.59	0.58	0.48	0.56	0.61	0.55	0.5	0.53	0.54	0.57	0.59	0.64	0.64	0.43	0.67	0.65	0.67	0.79	0.82	0.84	0.81	0.8	0.89	0.83	0.73	1.06	0.96	1.14	1.33	1.47	1.66	1.70	1.60	1.42	1.53	1.64	1.68	1.52	1.35	1.18	-5.09	1.20	0.92	1.44	1.28	1.26	1.24	1.45	1.35	1.48	1.55

Balance sheet

Quarterly · In bn (USD)

Total assets 556 bn Total liabilities 492 bn

Equity = assets − liabilities. Balance-sheet figures are period-end balances, not cumulative.

Show table：Balance sheet

Item	2009Q1	2009Q2	2009Q3	2009Q4	2010Q1	2010Q2	2010Q3	2010Q4	2011Q1	2011Q2	2011Q3	2011Q4	2012Q1	2012Q2	2012Q3	2012Q4	2013Q1	2013Q2	2013Q3	2013Q4	2014Q1	2014Q2	2014Q3	2014Q4	2015Q1	2015Q2	2015Q3	2015Q4	2016Q1	2016Q2	2016Q3	2016Q4	2017Q1	2017Q2	2017Q3	2017Q4	2018Q1	2018Q2	2018Q3	2018Q4	2019Q1	2019Q2	2019Q3	2019Q4	2020Q1	2020Q2	2020Q3	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	2025Q3	2025Q4	2026Q1	2026Q2
Total assets	—	152	165	166	164	155	157	157	157	159	168	175	175	179	182	184	181	183	181	183	185	188	187	187	189	191	209	210	212	222	223	219	221	221	220	222	221	223	223	226	228	231	237	473	506	504	499	509	518	522	530	541	544	545	548	555	574	555	543	535	535	520	523	531	536	544	544	548	549	556
Total liabilities	—	138	149	150	147	138	140	141	140	142	150	157	157	160	161	163	160	161	159	160	161	164	163	162	164	166	182	183	184	192	193	189	190	191	190	192	191	193	193	196	197	199	204	407	440	435	429	438	450	454	461	472	479	482	488	495	512	491	481	476	476	456	458	468	471	479	478	482	485	492
Equity	16.2	14.8	16.1	16.2	16.5	16.7	16.8	16.5	16.7	17.1	17.5	17.5	17.9	18.9	20.5	21.2	21.2	22.0	22.1	22.8	23.6	24.0	24.3	24.4	24.7	25.1	27.3	27.3	28.2	29.7	30.1	29.9	30.0	30.4	29.9	29.7	29.7	29.8	30.0	30.2	30.9	31.8	32.3	66.6	66.1	68.9	70.0	70.9	67.9	68.3	68.9	69.3	65.0	63.0	60.8	60.5	62.4	63.7	62.0	59.3	59.0	63.8	65.7	63.7	64.6	64.8	65.7	65.2	64.2	64.1

Cash flow

Quarterly · In bn (USD)

Operating 1.04 bn Investing -2.87 bn Financing 4.92 bn

Positive = cash in, negative = cash out.

Show table：Cash flow statement

Item	2009Q1	2009Q2	2009Q3	2009Q4	2010Q1	2010Q2	2010Q3	2010Q4	2011Q1	2011Q2	2011Q3	2011Q4	2012Q1	2012Q2	2012Q3	2012Q4	2013Q1	2013Q2	2013Q3	2013Q4	2014Q1	2014Q2	2014Q3	2014Q4	2015Q1	2015Q2	2015Q3	2015Q4	2016Q1	2016Q2	2016Q3	2016Q4	2017Q1	2017Q2	2017Q3	2017Q4	2018Q1	2018Q2	2018Q3	2018Q4	2019Q1	2019Q2	2019Q3	2019Q4	2020Q1	2020Q2	2020Q3	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	2025Q3	2025Q4	2026Q1	2026Q2
Operating	-9.27	3.93	4.47	0.37	0.64	1.44	2.34	0.55	2.03	3.85	4.35	0.71	1.87	2.64	2.67	1.83	0.47	2.31	1.75	3.59	0.63	0.25	0.63	1.75	-0.58	0.63	1.89	0.98	-0.13	0.99	-0.56	2.37	0.16	1.33	1.47	1.68	0.31	1.12	1.55	1.37	-0.74	0.93	1.78	-0.44	4.63	-0.02	0.43	2.41	-0.03	3.34	-0.22	4.81	-0.19	3.97	3.77	3.53	0.12	3.73	2.41	2.38	-0.99	0.85	1.53	0.78	0.75	0.91	1.50	2.58	0.68	1.04
Investing	13.9	-12.9	6.66	-0.45	0.45	8.49	7.05	-1.07	-2.27	-4.94	-10.8	-12.9	-2.25	-5.10	-3.27	-4.83	1.46	-1.79	-0.02	-4.22	-1.66	-1.88	0.05	-0.57	0.78	-0.12	-1.30	-1.00	-1.78	-0.27	-0.43	1.80	-0.71	-1.85	-0.59	-2.17	0.2	-1.77	-1.17	-2.21	-0.48	-2.33	-6.59	17.8	-19.5	7.55	-2.12	-29.6	3.12	-10.1	-12.9	-12.1	-0.03	-10.8	-8.40	-10.8	-2.05	11.6	8.35	4.99	5.90	24.1	-3.49	-7.96	-1.63	-7.70	-3.63	-4.79	-1.94	-2.87
Financing	-5.36	9.17	-11.0	0.33	-1.50	-9.65	-9.59	0.45	0.06	1.49	8.51	13.7	0.09	1.99	-0.24	2.71	-2.46	-1.18	-2.30	0.33	1.09	1.86	-1.11	-0.87	-0.53	0.12	-0.43	0.95	0.98	-0.88	1.35	-3.21	0.65	-0.5	-1.20	0.51	-0.48	0.59	-0.28	1.68	0.21	1.13	5.14	-1.11	32.2	-2.67	-2.40	8.92	10.2	1.23	6.39	7.80	9.05	0.8	3.75	6.43	17.1	-21.9	-10.9	-6.56	-0.57	-19.1	0.72	7.31	3.29	6.07	-2.46	1.74	1.08	4.92
Cash at period end	2.00	2.23	2.39	2.65	2.24	2.51	2.45	2.38	2.20	2.79	4.40	4.34	4.05	3.87	3.50	3.75	3.21	2.38	2.47	2.17	2.22	2.45	2.02	2.33	2.00	2.62	2.78	3.71	2.78	2.61	2.97	3.94	4.03	3.01	2.70	2.71	3.11	3.05	3.15	3.99	2.97	2.70	3.02	19.1	36.4	41.2	37.1	18.9	32.1	26.6	19.8	20.3	29.1	23.1	22.2	21.4	36.6	30.0	29.8	30.6	35.0	40.9	39.6	39.8	42.2	41.5	36.9	36.4	36.2	39.3

Returns & leverage

Quarterly · %

ROE 9.1% ROA 1.1% Debt ratio 88.5%

ROE / ROA = trailing four-quarter net income ÷ average equity / total assets (annual mode: the year’s net income ÷ average of opening and closing). Not computed when the denominator is zero or negative.

Show table：Returns & leverage

Item	2009Q1	2009Q2	2009Q3	2009Q4	2010Q1	2010Q2	2010Q3	2010Q4	2011Q1	2011Q2	2011Q3	2011Q4	2012Q1	2012Q2	2012Q3	2012Q4	2013Q1	2013Q2	2013Q3	2013Q4	2014Q1	2014Q2	2014Q3	2014Q4	2015Q1	2015Q2	2015Q3	2015Q4	2016Q1	2016Q2	2016Q3	2016Q4	2017Q1	2017Q2	2017Q3	2017Q4	2018Q1	2018Q2	2018Q3	2018Q4	2019Q1	2019Q2	2019Q3	2019Q4	2020Q1	2020Q2	2020Q3	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	2025Q3	2025Q4	2026Q1	2026Q2
ROE	—	—	—	5.4%	4.6%	4.9%	5.0%	5.2%	5.4%	5.9%	6.7%	10.0%	11.1%	11.8%	11.8%	15.8%	14.7%	14.2%	12.8%	7.8%	9.2%	8.5%	9.5%	9.4%	9.1%	9.0%	8.5%	8.2%	8.1%	8.1%	8.2%	8.5%	7.9%	7.9%	8.0%	8.1%	9.3%	9.7%	10.4%	10.9%	10.8%	10.8%	10.6%	6.7%	7.2%	7.1%	7.6%	6.5%	7.3%	8.2%	8.9%	9.2%	9.6%	9.5%	9.5%	9.7%	10.0%	9.8%	9.3%	-1.8%	-2.2%	-2.8%	-2.4%	7.9%	7.9%	8.1%	8.0%	8.2%	8.6%	9.1%
ROA	—	—	—	0.5%	0.5%	0.5%	0.5%	0.5%	0.6%	0.6%	0.7%	1.0%	1.1%	1.3%	1.3%	1.7%	1.6%	1.6%	1.5%	0.9%	1.1%	1.1%	1.2%	1.2%	1.2%	1.2%	1.1%	1.1%	1.1%	1.1%	1.1%	1.1%	1.1%	1.1%	1.1%	1.1%	1.3%	1.3%	1.4%	1.5%	1.5%	1.5%	1.4%	0.9%	0.9%	1.0%	1.1%	0.9%	1.0%	1.1%	1.2%	1.2%	1.2%	1.2%	1.1%	1.1%	1.1%	1.1%	1.1%	-0.2%	-0.3%	-0.3%	-0.3%	0.9%	0.9%	1.0%	1.0%	1.0%	1.0%	1.1%
Debt ratio	—	90.3%	90.2%	90.2%	89.9%	89.2%	89.3%	89.5%	89.4%	89.3%	89.5%	90.0%	89.8%	89.4%	88.7%	88.5%	88.3%	88.0%	87.8%	87.5%	87.2%	87.3%	87.0%	86.9%	86.9%	86.8%	86.9%	87.0%	86.7%	86.6%	86.5%	86.3%	86.4%	86.3%	86.5%	86.6%	86.6%	86.6%	86.5%	86.6%	86.4%	86.2%	86.4%	85.9%	87.0%	86.3%	86.0%	86.1%	86.9%	86.9%	87.0%	87.2%	88.0%	88.4%	88.9%	89.1%	89.1%	88.5%	88.6%	88.9%	89.0%	87.7%	87.5%	88.0%	87.9%	88.1%	87.9%	88.1%	88.3%	88.5%

EPS

Quarterly · US$

EPS US$1.23

Show table：EPS

Item	2009Q1	2009Q2	2009Q3	2009Q4	2010Q1	2010Q2	2010Q3	2010Q4	2011Q1	2011Q2	2011Q3	2011Q4	2012Q1	2012Q2	2012Q3	2012Q4	2013Q1	2013Q2	2013Q3	2013Q4	2014Q1	2014Q2	2014Q3	2014Q4	2015Q1	2015Q2	2015Q3	2015Q4	2016Q1	2016Q2	2016Q3	2016Q4	2017Q1	2017Q2	2017Q3	2017Q4	2018Q1	2018Q2	2018Q3	2018Q4	2019Q1	2019Q2	2019Q3	2019Q4	2020Q1	2020Q2	2020Q3	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	2025Q3	2025Q4	2026Q1	2026Q2
EPS（US$）	0.48	0.20	0.23	0.27	0.27	0.30	0.30	0.29	0.32	0.44	0.52	1.07	0.61	0.72	0.66	2.09	0.29	0.77	0.37	0.75	0.69	0.58	0.71	0.76	0.67	0.62	0.64	0.64	0.67	0.66	0.73	0.72	0.46	0.77	0.74	0.77	0.94	0.99	1.01	0.97	0.97	1.09	0.95	0.71	0.73	0.67	0.79	0.90	0.98	1.16	1.20	1.13	0.99	1.09	1.15	1.21	1.05	0.92	0.80	-3.86	0.81	0.62	0.99	0.92	0.87	0.90	1.04	1.00	1.09	1.23

Revenue & profit

Year-to-date · In bn (USD)

Net income 3.03 bn

Year-to-date = summed from the first quarter of the fiscal year; balance-sheet items are period-end balances.

Balance sheet

Year-to-date · In bn (USD)

Total assets 556 bn Total liabilities 492 bn

Equity = assets − liabilities. Balance-sheet figures are period-end balances, not cumulative.

Cash flow

Year-to-date · In bn (USD)

Operating 1.72 bn Investing -4.81 bn Financing 6.00 bn

Positive = cash in, negative = cash out.

Returns & leverage

Year-to-date · %

ROE 9.1% ROA 1.1% Debt ratio 88.5%

EPS

Year-to-date · US$

EPS US$2.32

Revenue & profit

Annual · In bn (USD)

Net income 5.31 bn

Annual = sum of four quarters of a complete fiscal year (incomplete years are omitted); balance-sheet items are year-end balances.

Show table：Income statement

Item	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Net income	0.88	0.85	1.70	3.06	1.73	2.23	2.12	2.44	2.42	3.26	3.24	4.49	6.44	6.27	-1.05	4.84	5.31

Balance sheet

Annual · In bn (USD)

Total assets 548 bn Total liabilities 482 bn

Equity = assets − liabilities. Balance-sheet figures are period-end balances, not cumulative.

Show table：Balance sheet

Item	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Total assets	166	157	175	184	183	187	210	219	222	226	473	509	541	555	535	531	548
Total liabilities	150	141	157	163	160	162	183	189	192	196	407	438	472	495	476	468	482
Equity	16.2	16.5	17.5	21.2	22.8	24.4	27.3	29.9	29.7	30.2	66.6	70.9	69.3	60.5	59.3	63.7	65.2

Cash flow

Annual · In bn (USD)

Operating 5.74 bn Investing -17.8 bn Financing 8.63 bn

Positive = cash in, negative = cash out.

Show table：Cash flow statement

Item	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Operating	-0.49	4.97	10.9	9.00	8.11	3.26	2.92	2.67	4.64	4.35	1.52	7.44	7.89	11.1	8.63	2.16	5.74
Investing	7.23	14.9	-30.9	-15.5	-4.57	-4.06	-1.64	-0.68	-5.31	-4.95	8.35	-43.6	-32.1	-30.0	22.9	18.6	-17.8
Financing	-6.83	-20.3	23.8	4.55	-5.61	0.97	0.11	-1.76	-0.55	1.50	5.35	36.0	25.6	20.0	-22.3	-11.6	8.63
Cash at period end	2.65	2.38	4.34	3.75	2.17	2.33	3.71	3.94	2.71	3.99	19.1	18.9	20.3	21.4	30.6	39.8	36.4

Returns & leverage

Annual · %

ROE 8.2% ROA 1.0% Debt ratio 88.1%

Show table：Returns & leverage

Item	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
ROE	5.4%	5.2%	10.0%	15.8%	7.8%	9.4%	8.2%	8.5%	8.1%	10.9%	6.7%	6.5%	9.2%	9.7%	-1.8%	7.9%	8.2%
ROA	0.5%	0.5%	1.0%	1.7%	0.9%	1.2%	1.1%	1.1%	1.1%	1.5%	0.9%	0.9%	1.2%	1.1%	-0.2%	0.9%	1.0%
Debt ratio	90.2%	89.5%	90.0%	88.5%	87.5%	86.9%	87.0%	86.3%	86.6%	86.6%	85.9%	86.1%	87.2%	89.1%	88.9%	88.0%	88.1%

EPS

Annual · US$

EPS US$3.81

Show table：EPS

Item	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
EPS（US$）	1.18	1.16	2.35	4.08	2.18	2.74	2.57	2.78	2.74	3.91	3.72	3.09	4.47	4.44	-1.09	3.34	3.81

Source: SEC EDGAR (XBRL company facts)

Annual reports by year

	10-K
2025	Open full text →
2024	Open full text →
2023	Open full text →

10-K: annual report of a US domestic issuer. Filings are the original documents hosted on SEC EDGAR — this site neither mirrors nor edits them.

FAQ

Where can I read TRUIST FINANCIAL CORP (TFC) annual reports?

Every year in the table above links straight to the full text on SEC EDGAR. US annual reports are web pages (HTML) rather than PDFs, so you can read and search them in the browser without downloading anything. 3 filings are currently indexed.

What is the difference between a 10-K and a 20-F?

A 10-K is the annual report of a US domestic issuer, with sections fixed by law: Item 1 Business, Item 1A Risk Factors, Item 7 Management's Discussion and Analysis. A 20-F is filed by foreign private issuers — Taiwanese companies with US ADRs, such as TSMC, file 20-F rather than 10-K. A 40-F applies to Canadian issuers under the MJDS.

Are earnings call materials available here?

No. Earnings calls are not SEC filings, so US pages on this site cover annual reports only. Taiwan has a mandatory investor-conference disclosure regime, and those materials are indexed under Annual Reports.

Source: US Securities and Exchange Commission (SEC) EDGAR. This site indexes public filings and links to them; it hosts no copies, offers no investment advice, and makes no warranty as to timeliness or completeness.
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