Truist Financial Corporation
Truist Financial Corporation is classed by the SEC under National Commercial Banks (industry code 6021), based in Charlotte, NC. Its latest filed balance sheet (2025-12-31) shows total assets of $549 billion (its filed statements).
vs its business-model standard
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a lending business: prior from its industry code (SEC 6021, National Commercial Banks); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 5.2 out of ten, 9 of 9 metrics filed: past 5.6 out of ten, present 4.9 out of ten, future 4.9 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
- Surviving crises (past): 4.5 out of ten. 1 warning event since 2017; the latest 2020-03-03. 45th percentile among 83 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Track record (past): 3.6 out of ten. +14.8% a year over 10 filed years; profitable in 9 of 10. 36th percentile among 79 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Shareholder treatment (past): 8.3 out of ten. Share count shrank 0.9% a year. 71% of cash flow returned. Insiders: 6 sales, 1 purchases. 83rd percentile among 81 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Financial health (present): 5.9 out of ten. ROE 8%: 8¢ of profit per shareholder dollar. Leverage 88%: owes 88¢ per asset dollar. 59th percentile among 83 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Industry position (present): 5.3 out of ten. top 47% of 79 in its family; net margin 21.6%. 53rd percentile among 79 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Leadership (present): 2.2 out of ten. bottom 22% of 74 in its family for leadership; chief executive since 2026. 22nd percentile among 74 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-09).
- Room to expand (future): 3.6 out of ten. bottom 36% of 71 in its family for room to expand. 36th percentile among 71 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Growth drivers (future): 4.3 out of ten. bottom 43% of 79 in its family for growth drivers. 43rd percentile among 79 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Expectations vs reality (future): 6.9 out of ten. top 31% of 76 in its family for expectations against reality. 69th percentile among 76 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
The filing record
Newest annual report: Form 10-K filed 2026-02-24 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-07-31 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-07-17 (on EDGAR). Newest filing: Form 4, 2026-09-18. Filings on record since 1994. Read from EDGAR 2026-10-12.
Who runs it
Lyons, Michael P. (President & CEO); Rogers, William H Jr (Chairman & CEO); Maguire, Michael Baron (Chief Financial Officer); Wilson, Donta L (Chief Consumer & SB BK Officer); Bender, Bradley D (Chief Risk Officer); Lesher, Kristin (Chief Whlse Banking Officer); Stengel, Scott A (Chief Legal Officer); Powell, Cynthia B (Corp. Controller & CAO); Bessant, Catherine P (director); Boyer, K. David Jr. (director); and 11 more. 21 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-09-30.
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