---
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"
generated_at: "2026-05-15T05:06:12.094585+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Triumph Financial Q1 net income $5.6M ($0.23 EPS); Transportation revenue up 23.5% YoY

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001539638-26-000014
- JSON: https://secwatch.observer/filing/0001539638-26-000014.json
- Plain text: https://secwatch.observer/filing/0001539638-26-000014.txt

## Key facts
- Earnings Releases
  Triumph Financial, Inc. reported the quarter ended March 31, 2026 results: net income $5.6 million, EPS $0.23 per diluted share.
  - Period: the quarter ended March 31, 2026
  - Net income: $5.6 million
  - EPS: $0.23 per diluted share
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/1539638/000153963826000014/0001539638-26-000014-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.