TFC TRUIST FINANCIAL CORP

TFC financial statements, revenue, balance sheet, cash flow, and SEC filings

CIK: 92230 Exchange: NYSE SIC: 6021 (National Commercial Banks) Latest filing: 10-Q filed Jul 31, 2026 Data checked: Oct 21, 2026
Showing 3 of 19 annual and 0 of 69 quarterly periods. Full history available with a free account or via API.

▼ Company Profile

Filer Category
Large accelerated filer
Entity Type
Operating
Public Float
$55.40B (Jun 2025)
Industry (SIC)
6021 National Commercial Banks
Incorporated
NC
Fiscal Year End
December (1231)
Phone
8444878478
EIN
560939887
Headquarters
CHARLOTTE, NC, 28202
Public Float History
Market value of shares held by public investors, reported in annual DEI filings.
Former Names: BB&T CORP (1997–2019) · SOUTHERN NATIONAL CORP /NC/ (1994–1997)

▼ Key Metrics (TTM)

As of Jun 30, 2026
Financials
Revenue
-
Net Income
$5.53B
Total Assets
$556.02B
Total Equity
$64.10B
Total Debt
$69.86B
Free Cash Flow
-
Ratios
Return on Equity
8.6%
Return on Assets
1%
Debt / Equity
1.09x

▼ FY 2025 Summary Analysis

Annual report ending Dec 31, 2025

Overview and Growth

TRUIST FINANCIAL CORP recorded fiscal 2025 net income of $4.97B. Diluted earnings per share were $3.82, translating the period’s attributable earnings into the amount reported for each diluted share. Diluted EPS increased by 13.7% from $3.36 in fiscal 2024, showing how the earnings change reached shareholders on a per-share basis. A diluted share base of 1.30B links the aggregate earnings figure to diluted EPS and helps frame the per-share comparison. Diluted shares moved 2.1% from 1.33B in fiscal 2024, leaving the current share base lower year over year. At period end, total assets were $547.54B, framing the scale of the bank’s balance-sheet commitments and providing the base for evaluating earnings returns, capitalization, liquidity, and its shareholder-capital buffer.

Profitability

Net income was $4.97B, providing the bank’s bottom-line earnings result for the fiscal year. Pretax income was $6.35B, isolating the reported earnings outcome before the income-tax provision recognized for the fiscal year. The reported income-tax provision was $1.04B, the amount recognized between pretax income and the final net-income result. Relative to pretax income, the tax provision measured 16.4%, quantifying the portion of pre-tax earnings paid in income tax. Return on period-end equity was 7.6%, relating annual net income to the equity capital on the balance sheet. Net income represented 0.9% of period-end assets, placing the company’s bottom-line result against the total resource base employed. The company moved from fiscal 2024 net income of $4.47B to $4.97B, with the current outcome ending above that comparison. The balance-sheet-intensive banking model makes net income, return on assets, and return on equity the most relevant links between earnings and financial scale. Considering returns on both assets and equity distinguishes the profitability of the bank’s financial balance sheet from the result earned on shareholder capital and shows how the two perspectives differ.

Liquidity and Capital Structure

The company held $547.54B of assets against $482.35B of liabilities and $65.19B of equity, revealing how the asset base was financed. Reported cash and equivalents were $36.38B, separating immediately recognizable cash resources from the rest of the current-asset base. Book equity represented 11.9% of total assets, quantifying the balance-sheet share supported by shareholder capital. Relative to total assets, liabilities measured 88.1%, complementing the separate equity-based view of the company’s capital structure. The cash-to-assets relationship was 6.6%, comparing reported cash and equivalents with the full positive asset balance. Total assets were 3.1% higher than fiscal 2024 assets of $531.18B, measuring the company’s own balance-sheet change. Book equity was 2.4% higher than fiscal 2024 equity of $63.68B, showing how shareholder capital changed year over year. Compared with $39.77B in fiscal 2024, the current cash balance moved 8.5% and finished lower. For a bank, the equity-to-assets relationship shows the shareholder-capital buffer supporting a balance sheet funded primarily through liabilities. For a bank, asset growth describes the changing scale of the financial balance sheet, and equity growth shows whether the shareholder-capital layer moved in the same direction.
Based on the annual report for the fiscal year ending Dec 31, 2025. Analysis generated .
Sources and calculation details

Reported values are preserved. Derived values use the listed inputs; unavailable inputs remain blank.

Field-level sources for this historical record are unavailable until it is rebuilt from SEC facts.

Annual financial statements for TRUIST FINANCIAL CORP
Metric FY2025 📄 FY2024 📄 FY2023 📄
Income Statement
REVENUE
OPERATING EXPENSES
NON-OPERATING INCOME / EXPENSE
Interest Expense - - $9.86B
Interest Income $24.54B $25.07B $24.45B
Pretax Income $6.35B $-601.00M $-765.00M
Income Tax $1.04B $-556.00M $738.00M
Net Income $4.97B $4.47B $-1.45B
PER SHARE & SUPPLEMENTAL
Diluted EPS $3.82 $3.36 $-1.09
Diluted Shares 1.30B 1.33B 1.33B
Balance Sheet
ASSETS
Cash & Equivalents $36.38B $39.77B $30.64B
PP&E (Net) $3.17B $3.23B $3.30B
Goodwill $17.13B $17.13B $17.16B
Intangible Assets $1.26B $1.55B $1.91B
Other Noncurrent Assets $38.97B $37.13B $35.00B
Total Assets $547.54B $531.18B $535.35B
LIABILITIES
Short-term Debt $27.84B $29.21B $24.83B
Long-term Debt $41.96B $34.96B $38.92B
Other Noncurrent Liabilities $12.15B $12.81B $12.95B
Total Liabilities $482.35B $467.50B $476.10B
EQUITY
Common Stock $6.31B $6.58B $6.67B
Additional Paid-in Capital $33.66B $35.63B $36.18B
Retained Earnings $26.07B $23.78B $22.09B
Accumulated OCI $-5.77B $-8.21B $-12.51B
Total Equity $65.19B $63.68B $59.25B
Total Liabilities & Equity $547.54B $531.18B $535.35B
SUPPLEMENTAL
Total Debt $69.80B $64.16B $63.75B
Shares Outstanding 1.26B 1.32B 1.33B
Check: A − (L + E + Temp. Equity) - - -
Cash Flow Statement
Cash from Operations $5.74B $2.16B $8.63B
Capital Expenditures - - -
Cash from Investing $-17.76B $18.60B $22.86B
Cash from Financing $8.63B $-11.64B $-22.27B
Free Cash Flow - - -
Beginning Cash (CFS) $39.77B $30.64B $21.42B
Net Change in Cash $-3.39B $9.12B $9.22B
Effect of FX on Cash - - -
Calculated Ending Cash $36.38B $39.77B $30.64B
Cash per BS $36.38B $39.77B $30.64B
Cash scope difference (CFS − BS) - - -
Cash per CFS $36.38B $39.77B $30.64B

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▼ Frequently Asked Questions

Is TRUIST FINANCIAL CORP profitable?

Yes. TRUIST FINANCIAL CORP reported $5.53B in net income for trailing twelve months. Profitability data is based on the company's most recent annual report filed with the SEC.

What is TRUIST FINANCIAL CORP's debt level?

TRUIST FINANCIAL CORP carries $69.86B in total debt as of trailing twelve months. Total shareholders' equity stands at $64.10B.