{"schema_version":"secwatch.filing_event.v1","accession":"0001539638-26-000028","form_type":"8-K","ticker":"TFIN","cik":"0001539638","company_name":"Triumph Financial, Inc.","filed_at":"2026-07-21T20:13:52+00:00","discovered_at":"2026-07-21T20:15:00.323175+00:00","generated_at":"2026-07-21T20:15:23.705222+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Triumph Financial Q2 2026 EPS $0.44; Factoring volume up 43% YoY; invoice prices surge","bullets":["Net income $10.6M ($0.44 diluted EPS); non-core items reduced EPS by $0.13; efficiency initiatives ongoing.","Factoring purchased volume $4.1B (+43% YoY); avg invoice $2,160 (+30% YoY); operating margin 39.4% near target.","Payments revenue $22.3M (+29% YoY); EBITDA margin 25.7% (ex-LoadPay 34.0%); LoadPay accounts exceed 10,000.","Intelligence revenue flat at $2.4M QoQ; gross margin 84.7%; new products and freight indices launched.","Management sees structural freight market shift; $100 invoice price change impacts pretax income ~$7M annually."],"urls":{"canonical":"https://secwatch.observer/filing/0001539638-26-000028","json":"https://secwatch.observer/filing/0001539638-26-000028.json","markdown":"https://secwatch.observer/filing/0001539638-26-000028.md","text":"https://secwatch.observer/filing/0001539638-26-000028.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1539638/000153963826000028/0001539638-26-000028-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1539638/000153963826000028/tfin-20260721.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-21T20:15:23.705222+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}