BBTHIGH SIGNALFINANCIAL10-K

BBT completed a major transaction that nearly doubled the company's asset base and significantly expanded its deposit franchise.

The dramatic expansion in assets, deposits, and liabilities indicates BBT executed a substantial acquisition or merger during the fiscal year, transforming the company's scale and market position. The strong growth in net interest income and operating cash flow suggests the transaction is performing well operationally, while the maintained profitability demonstrates management's ability to integrate the expanded operations effectively.

Comparing 2026-03-02 vs 2025-03-03View on EDGAR →
FINANCIAL ANALYSIS

BBT's financial profile was fundamentally transformed, with total assets nearly doubling to $23.2B alongside proportional growth in deposits and liabilities, indicating a major acquisition. Net interest income grew meaningfully to $832.8M while net income expanded substantially to $90.3M, demonstrating successful integration and operational leverage. Operating cash flow grew notably to $224.4M, suggesting the expanded franchise is generating strong cash returns despite the complexity of combining operations.

FINANCIAL STATEMENT CHANGES
Total Assets
Balance Sheet
+89.2%
$12.3B$23.2B

Asset base grew 89.2% — expansion through organic growth, acquisitions, or capital deployment.

Total Deposits
Balance Sheet
+88.1%
$10.4B$19.5B

Deposits grew 88.1% — expanding customer base or increased trust in the institution.

Total Liabilities
Balance Sheet
+86.6%
$11.1B$20.7B

Liabilities grew 86.6% — significant increase in debt or obligations, assess impact on financial flexibility.

Operating Cash Flow
Cash Flow
+79.3%
$125.2M$224.4M

Operating cash flow surged 79.3% — exceptional cash generation, highest quality earnings signal.

Net Income
P&L
+48%
$61.0M$90.3M

Net income grew 48% — bottom-line growth signals improving overall business health.

Net Interest Income
P&L
+35.6%
$613.9M$832.8M

Net interest income grew 35.6% — benefiting from rate environment or loan book expansion.

Share Buybacks
Cash Flow
-26.5%
$23.8M$17.5M

Buyback activity reduced 26.5% — capital being redeployed elsewhere or cash conservation underway.

LANGUAGE CHANGES
NEW — 2026-03-02
PRIOR — 2025-03-03
ADDED
See the definitions of "large accelerated filer", "accelerated filer", "smaller reporting company", and "emerging growth company" in Rule 12b-2 of the Exchange Act.
As of February 27, 2026, there were 89,576,403 and 83,816,086 shares of the registrant's common stock, par value $0.01 per share, issued and outstanding, respectively.
Market for the Registrant's Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities 24 Item 6.
Management's Discussion and Analysis of Financial Condition and Results of Operations 25 Item 7A.
Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters 67 Item 13.
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REMOVED
(Exact name of registrant as specified in its charter) Delaware 04-3510455 (State or other jurisdiction of incorporation or organization) (I.R.S.
See the definition of large accelerated filer, accelerated filer , smaller reporting company , and "emerging growth company" in Rule 12b-2 of the Exchange Act.
The aggregate market value of the voting and non-voting common equity held by non-affiliates was approximately $ 1.0 billion, based upon the closing price of $22.80 as quoted on the New York Stock Exchange as of the last business day of the registrant s most recently completed second fiscal quarter.
MARKET FOR REGISTRANT S COMMON EQUITY, RELATED SHAREHOLDER MATTERS AND ISSUER PURCHASES OF EQUITY SECURITIES 45 ITEM 6.
MANAGEMENT S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS 48 ITEM 7A.
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