{"schema_version":"secwatch.filing_event.v1","accession":"0001539638-26-000014","form_type":"8-K","ticker":"TFIN","cik":"0001539638","company_name":"Triumph Financial, Inc.","filed_at":"2026-04-21T23:59:59+00:00","discovered_at":"2026-05-14T18:02:32.444555+00:00","generated_at":"2026-05-15T05:06:12.094585+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Triumph Financial Q1 net income $5.6M ($0.23 EPS); Transportation revenue up 23.5% YoY","bullets":["Net income to common stockholders $5.6 million ($0.23 diluted EPS).","Factoring revenue down 0.4% QoQ but purchased volume rose 4.6% QoQ to $3.3B.","Payments segment revenue grew 2.6% QoQ (25.8% YoY); EBITDA margin ex-LoadPay improved to 34.0%.","LoadPay accounts reached 8,065 (+36.9% QoQ); active carrier accounts 3,157 (+26.9% QoQ).","New North Star targets: Factoring >40% op margin, Payments >50% EBITDA margin, Intelligence >85% gross margin."],"urls":{"canonical":"https://secwatch.observer/filing/0001539638-26-000014","json":"https://secwatch.observer/filing/0001539638-26-000014.json","markdown":"https://secwatch.observer/filing/0001539638-26-000014.md","text":"https://secwatch.observer/filing/0001539638-26-000014.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1539638/000153963826000014/0001539638-26-000014-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1539638/000153963826000014/tfin-20260421.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T05:06:12.094585+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"b43076b7fedcdf026da9c9c1a8ee1eb0ea4f7d5e","claim":"Triumph Financial, Inc. reported the quarter ended March 31, 2026 results: net income $5.6 million, EPS $0.23 per diluted share.","evidence_excerpt":"Commission on February 11, 2026. --- EX-99.1 (EX-99.1) --- April 21, 2026 Fellow Shareholders, For the first quarter, we recorded net income to common stockholders of $5.6 million, or $0.23 per diluted share. Transportation revenue growth was 0.6% in 1Q 2026 vs. 4Q 2025. Historically, we have experienced a high single digit decline between 4Q and 1Q due to","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1539638/000153963826000014/0001539638-26-000014-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended March 31, 2026"},{"label":"Net income","value":"$5.6 million"},{"label":"EPS","value":"$0.23 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}