Company: TFC
Filing Date: 2025-10-22
Form Type: 424B2
Source: 0001193125-25-245546
Chunk: 1

Company: TRUIST FINANCIAL CORP
Filing Date: 2025-10-22
Form: 424B2
Chunk 1
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 system of The Depository Trust Company and its direct participants, including Clearstream Banking, S.A. and Euroclear Bank SA/NV, on or about October 23, 2025. Joint Book-Running Managers

| Truist Securities |     | Barclays |     | Citigroup |     | Morgan Stanley |

Co-Managers

| Blaylock Van, LLC |     | Independence Point Securities |

October 20, 2025

RECENT DEVELOPMENTS

Truist’s Third Quarter 2025 Financial Results

On October 17, 2025, we reported earnings for the third quarter of 2025. Outlined below is a summary of those results. Our third quarter
2025 consolidated financial results below are unaudited and preliminary. Such results are based on information available to management as of the date of the earnings report and is subject to completion by management of our financial statements as of
and for the period ended September 30, 2025. There can be no assurance that actual results for the third quarter will not differ from these preliminary financial data and any such changes could be material. Complete quarterly results will be
included in our Quarterly Report on Form 10-Q for the period ended September 30, 2025, which we expect to file with the SEC on or before November 3, 2025, which will contain more
detailed information than is included below. Our third quarter 2025 consolidated financial results below should be read in conjunction with our Annual Report on Form 10-K for the year ended
December 31, 2024 and our Quarterly Reports on Form 10-Q for the periods ended March 31, 2025 and June 30, 2025, which are incorporated by reference herein.

Comparisons noted in this section summarize changes from third quarter of 2025 compared to second quarter of 2025 on a continuing operations
basis, unless otherwise noted.

The preliminary financial data included in this document has been prepared by, and is the
responsibility of, Truist’s management. PricewaterhouseCoopers LLP has not audited, reviewed, examined, compiled, nor applied agreed-upon procedures with respect to the preliminary financial data. Accordingly, PricewaterhouseCoopers
LLP does not express an opinion or any other form of assurance with respect thereto.

Earnings Overview—Third Quarter 2025 Compared to Second Quarter 2025

Net income available to common shareholders was $1.3 billion, or