Company Dossier · Financials
Truist Financial
- S&P 500
- Russell 1000
What Truist Financial is doing, read from its filings, its own words and the news, with every figure dated and sourced. Not investment advice: no ratings, no price targets.
Open the full company record in Palanor: guidance, KPIs, ownership, calls, prices →
The latest read
Computed from the data on Oct 22, 2026. Every figure links back to its source in the sections below.
- Free cash flow (operating cash flow minus capital expenditure) over the four quarters to December 31, 2021: $7.45 billion, up 13% from a year earlier.SEC EDGAR filings (XBRL)
- Capital expenditure over the four quarters to December 31, 2021: $0.44 billion, down 46% from a year earlier.SEC EDGAR filings (XBRL)
- Share buybacks in the fiscal year to December 31, 2025: $2.50 billion.SEC EDGAR filings (10-K)
- Long-term debt issued in the fiscal year to December 31, 2025: $69.8 billion.SEC EDGAR filings (10-K)
- Latest earnings call or results release (October 16, 2026): sentiment 0.45 on a −1 to +1 scale (mixed), confidence 0.65 of 1.Palanor Discourse
- Latest annual report (filed February 24, 2026): 4 risk factors added, 36 removed.Risk Factor Changes (10-K Item 1A)
- Insiders were net sellers in Q3 2026: $0.6 million on the open market.SEC Form 4
- 1,709 institutional managers reported a position at June 30, 2026 (+60 on the quarter before).SEC Form 13F
- H-1B filings certified in Q2 2026: 112 (104 a year earlier).U.S. Department of Labor (OFLC)
Risk events (12 months): 1 — latest OSHA inspection, Mar 10, 2026 →
Company Posture
How Company Posture is measured →What Truist Financial is doing, on three axes, from its filings and its own words, as of 2026-10-22. A description, not a rating: Company Posture never says whether to buy.
Expanding ↔ Retrenching
Withheld: 50% of the evidence is readable at this date (needs 60%).
- Capital spending—
- Debt raised—
- Buybacks vs capex—
- Hiring filings82nd pct
- Deals and private raises40th pct
- Patent publications67th pct
Confident ↔ Hedging
Hedging
- Call sentiment53rd pct
- Call confidence20th pct
- Guidance changes—
- Risk factors added15th pct
- Insider open-market trades78th pct
- − Call confidence
- − Risk factors added
- + Insider open-market trades
Pressure
Components only: Not yet shown as a score: in the back-test it did not add to a naive reader's forecast of impairment, debt acceleration or bankruptcy filings (8-K 2.06, 2.04, 1.03) (not enough events (17 in half 1; needs 20)).
- Fails-to-deliver31st pct
- Stress filings49th pct
Credit
How these are built →Truist Financial's borrowing from its SEC filings: the bonds it priced and the debt on its latest balance sheet. A description, not a rating.
Bonds priced, last 12 months
$4.5B
U.S. dollar tranches with a term sheet on EDGAR. Deals sold under Rule 144A file none and are not counted.
| Priced | Amount | Coupon | Matures | Spread | Yield |
|---|---|---|---|---|---|
| Jul 20, 2026 | $1.25B | 4.957% | 2030 (4y) | +70bp | 4.957% |
| Apr 20, 2026 | $1B | 5.281% | 2037 (11y) | +103bp | 5.281% |
| Apr 20, 2026 | $1B | 4.680% | 2032 (6y) | +83bp | 4.680% |
| Jan 22, 2026 | $1.25B | 4.597% | 2032 (6y) | +75bp | 4.597% |
| Oct 20, 2025 | $1.25B | 4.964% | 2036 (11y) | +98bp | 4.964% |
| May 15, 2025 | $1.25B | 5.071% | 2031 (6y) | +100bp | 5.071% |
| Aug 1, 2024 | $1B | 5.153% | 2032 (8y) | +127bp | 5.153% |
| Jan 22, 2024 | $2B | 5.711% | 2035 (11y) | +162bp | 5.711% |
| Jan 22, 2024 | $1.5B | 5.435% | 2030 (6y) | +142bp | 5.435% |
| Oct 25, 2023 | $1.75B | 7.161% | 2029 (6y) | +225bp | 7.161% |
From the pricing term sheets Truist Financial filed with the SEC. Spread is to the benchmark Treasury (or Bund, Gilt) at pricing.
Charts
Live charts: each one redraws from today’s data and has an image link to paste into a document or slide.
Cash flow
Capital returned and raised
What the company says
Hiring and ownership
Filings and records
The last two years of notable 8-Ks, offerings, annual reports, federal awards, lobbying reports, patents and other public records, newest first.
- Oct 20, 2026LobbyingLobbying report (TRUIST FINANCIAL CORPORATION (FORMERLY KNOWN AS BB&T))third_quarter 2026 · $0.2 million
- Oct 20, 2026Patent
- Oct 20, 2026PatentPatent granted: DETECTING BAD SERVER BUILDSUS 12771707
- Oct 20, 2026Patent
- Oct 16, 20268-KDirector or officer changeItem 5.02
- Oct 13, 2026Patent
- Oct 6, 2026Patent
- Jul 20, 2026LobbyingLobbying report (TRUIST FINANCIAL CORPORATION (FORMERLY KNOWN AS BB&T))second_quarter 2026 · $0.2 million
- Jun 23, 2026Trademark
- Jun 15, 20268-KDirector or officer changeItem 5.02
- Jun 11, 2026Trademark
- Jun 8, 20268-KDirector or officer changeItem 5.02
- May 1, 20268-KDirector or officer changeItem 5.02
- May 1, 20268-KShareholder vote resultsItem 5.07
- Apr 20, 2026LobbyingLobbying report (TRUIST FINANCIAL CORPORATION (FORMERLY KNOWN AS BB&T))first_quarter 2026 · $1.0 million
- Apr 20, 2026LobbyingLobbying report (TODD STRATEGY GROUP)fourth_quarter 2025 · $0.0 million
- Mar 10, 2026Risk event
- Feb 24, 202610-KAnnual report (10-K)4 risk factors added, 36 removed
- Jan 21, 2026LobbyingLobbying report (TODD STRATEGY GROUP)fourth_quarter 2025 · $0.0 million
- Jan 20, 2026LobbyingLobbying report (TRUIST FINANCIAL CORPORATION (FORMERLY KNOWN AS BB&T))fourth_quarter 2025 · $0.6 million
- Oct 29, 20258-KDirector or officer changeItem 5.02
- Oct 17, 2025LobbyingLobbying report (TRUIST FINANCIAL CORPORATION (FORMERLY KNOWN AS BB&T))third_quarter 2025 · $0.6 million
- Oct 14, 2025Trademark
- Oct 12, 2025LobbyingLobbying report (TODD STRATEGY GROUP)third_quarter 2025 · $0.0 million
- Jun 10, 2025Trademark
- May 29, 20258-KDirector or officer changeItem 5.02
- May 9, 2025Trademark
- May 2, 20258-KShareholder vote resultsItem 5.07
- Feb 25, 202510-KAnnual report (10-K)0 risk factors added, 10 removed
- Jan 13, 20258-KDirector or officer changeItem 5.02
- Nov 13, 20248-KDirector or officer changeItem 5.02
- Feb 27, 202410-KAnnual report (10-K)7 risk factors added, 4 removed
Peers
Companies in the same industry in the S&P 500, Russell 1000 or MidCap 400, closest in revenue first. Trailing twelve months, from SEC filings.
| Company | Revenue | Free cash flow | Through |
|---|---|---|---|
| Bank of America Corp. BAC | $119B | — | Jun 30, 2026 |
| Citigroup Inc. C | $85.2B | −$74.2B | Dec 31, 2025 |
| JPMorgan Chase & Co. JPM | — | — | — |
| PNC Financial Services PNC | $25.0B | — | Jun 30, 2026 |
| U.S. Bancorp USB | $29.7B | — | Jun 30, 2026 |
| Wells Fargo & Company WFC | — | — | — |
| Arch Capital Group ACGL | $19.2B | $6.1B | Jun 30, 2026 |
| American Financial Group AFG | $8.3B | — | Jun 30, 2026 |