UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

_____________________________________________

Form 8-K

Current Report

_____________________________________________

Pursuant to Section 13 or 15(d)

of the Securities Exchange Act of 1934

January 2127, 2026

Date of Report (Date of earliest event reported)

Truist Financial Corporation

(Exact name of registrant as specified in its charter)

North Carolina			1-10853			56-0939887
(State or other jurisdiction of incorporation)			(Commission File Number)			(IRS Employer Identification No.)

Commission file number: 1-10853

214 North Tryon Street
North Carolina	56-0939887
Charlotte,		North Carolina	28202
(State or other jurisdictionof incorporation)	(I.R.S. EmployerIdentification No.)
(Address of principal executive offices)			(Zip Code)
214 North Tryon Street Charlotte, North Carolina	28202
(Address of principal executive offices)	(Zip Code)

(844) 487-8478

(Registrant’s telephone number, including area code)

Not Applicable

(Former name, former address and former fiscal year, if changed since last report)

~~_____________________________________________~~Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

☐	Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐	Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐	Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐	Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Title of each class	Trading Symbol(s)	Name of each exchange on which registered
Common Stock, $5 par value	TFC	New York Stock Exchange
Depositary Shares each representing 1/4,000th interest in a share of Series I Perpetual Preferred Stock	TFC.PI	New York Stock Exchange
5.853% Fixed-to-Floating Rate Normal Preferred Purchase Securities each representing 1/100th interest in a share of Series J Perpetual Preferred Stock	TFC.PJ	New York Stock Exchange
Depositary Shares each representing 1/1,000th interest in a share of Series O Non-Cumulative Perpetual Preferred Stock	TFC.PO	New York Stock Exchange
Depositary Shares each representing 1/1,000th interest in a share of Series R Non-Cumulative Perpetual Preferred Stock	TFC.PR	New York Stock Exchange

Securities registered pursuant to Section 12(b) of the Act:

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).


Title of each class	Trading Symbol(s)	Name of each exchange on which registered
Common Stock, $5 par value	TFC	New York Stock Exchange
Depositary Shares each representing 1/4,000th interest in a share of Series I Perpetual Preferred Stock	TFC.PI	New York Stock Exchange
5.853% Fixed-to-Floating Rate Normal Preferred Purchase Securities each representing 1/100th interest in a share of Series J Perpetual Preferred Stock	TFC.PJ	New York Stock Exchange
Depositary shares, each representing 1/1,000th interest in a share of Series O Non-Cumulative Perpetual Preferred Stock	TFC.PO	New York Stock Exchange
Depositary Shares each representing 1/1,000th interest in a share of Series R Non-Cumulative Perpetual Preferred Stock	TFC.PR	New York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ¨ ☐

~~ITEM~~Item 28.~~02 Results~~01 ofOther ~~Operations and Financial Condition~~Events.

On January 2127, 2026, Truist Financial Corporation (the “~~Truist~~Company”) issued aand ~~press~~sold ~~release~~$1,250,000,000 ~~announcing~~aggregate principal amount of its ~~reporting~~4.597% Fixed-to-Floating Rate Medium-Term Notes, Series I (Senior), due January 27, 2032 (the “Notes”). The Notes were registered under the Securities Act of ~~fourth~~1933, ~~quarter~~as ~~2025~~amended, ~~results~~pursuant ~~and~~to ~~posted~~a registration statement on ~~its~~Form ~~website~~S-3 ~~its~~(File ~~fourth~~No. 333-276600) ~~quarter~~filed ~~2025~~by ~~Earnings~~the ~~Release,~~Company ~~Quarterly~~with ~~Performance~~the ~~Summary,~~Securities and ~~Earnings~~Exchange ~~Release~~Commission ~~Presentation~~(the “Registration Statement”). ~~The~~In ~~materials~~connection ~~contain~~with ~~forward-looking~~the ~~statements~~issuance and sale of the Notes, the legal opinion of Mayer Brown LLP, as counsel to the Company, regarding ~~Truist~~the issuance and ~~include~~sale ~~cautionary~~of ~~language~~the ~~identifying~~Notes, ~~important~~is ~~factors~~filed ~~that~~with ~~could~~this ~~cause~~Current ~~actual~~Report ~~results~~on toForm ~~differ~~8-K ~~materially~~and ~~from~~shall ~~those~~be ~~anticipated~~incorporated by reference into the Registration Statement.

~~The~~Concurrently ~~information~~with ~~included~~this ~~in Exhibits 99.1 and 99.2~~offering, ~~other than~~ the ~~quotation~~Company’s ~~under~~bank ~~the~~subsidiary, ~~heading~~Truist ~~“CEO~~Bank, ~~Commentary”~~issued onand ~~page~~sold 1(i) ~~of Exhibit 99.~~$1,250,000,000 ~~shall~~aggregate beprincipal ~~deemed~~amount ~~“filed” for purposes~~ of ~~the~~its ~~Securities~~4.144% ~~Exchange~~Fixed-to-Floating Rate ~~Act~~Senior ofBank ~~1934~~Notes, ~~(“Exchange~~Series ~~Act”).~~I ~~The~~ (iSenior) ~~quotation~~due ~~under~~January 27, ~~the~~2029 ~~heading “CEO Commentary” on page 1 of Exhibit 99.1~~ and (ii) ~~the~~$350,000,000 ~~Earnings~~aggregate ~~Release~~principal ~~Presentation~~amount ~~included as Exhibit 99.3 are being furnished and shall not be deemed “filed” for purposes~~ of ~~Section~~its 18Floating ofRate ~~the~~Senior ~~Exchange~~Bank ~~Act~~Notes, orSeries ~~otherwise~~I ~~subject~~(Senior) todue ~~the liabilities under that section. Such quotation and Presentation will not be deemed incorporated by reference into another filing under the Exchange Act or Securities Act of 1933~~January 27, ~~except as otherwise expressly stated in such subsequent filing~~2029.

~~All~~Item ~~information~~9.01 inFinancial ~~the~~Statements ~~Earnings Release, Quarterly Performance Summary,~~ and ~~Earnings Release Presentation speaks as of the date thereof, and Truist does not assume any obligation to update such information in the future~~Exhibits.

~~ITEM~~(d) ~~9.01 Financial Statements and~~ Exhibits.

Exhibit No.		Description
ExhibitNo.	Description of Exhibit
99.1		Earnings Release issued January 21, 2026.
5.1	Opinion of Mayer Brown LLP as to the validity of the Notes.
99.2		Quarterly Performance Summary issued January 21, 2026.
23.1	Consent of Mayer Brown LLP (included in Exhibit 5.1).
99.3		Earnings Release Presentation issued January 21, 2026.
104	The cover page from this Current Report on Form 8-K, formatted in Inline XBRL.
104		The cover page from this Current Report on Form 8-K, formatted in Inline XBRL

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

TRUIST FINANCIAL CORPORATION (Registrant) By: /s/ Cynthia B. Powell Name: Cynthia B. Powell Title: Executive Vice President and Corporate Controller (Principal Accounting Officer)

Date: January 2127, 2026

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