---
schema_version: "secwatch.filing_event.v1"
accession: "0001628280-23-001540"
form_type: "8-K"
ticker: "TFIN"
cik: "0001539638"
company_name: "Triumph Financial, Inc."
filed_at: "2023-01-25T23:59:59+00:00"
generated_at: "2026-06-20T09:29:29.975123+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Triumph Financial Q4 2022 EPS $0.67; factoring volume down 18.7% YoY; TriumphPay self-funding

## Summary
- Net income to common stockholders $16.8M ($0.67 diluted EPS) vs $15.4M ($0.62) in Q3 2022 and $25.8M ($1.02) in Q4 2021.
- Factoring purchased volume $3.28B, down 8.9% Q/Q and 18.7% YoY; average invoice size $2,002, down 12.6% YoY.
- TriumphPay payment volume $5.58B; network transaction volume $301M, up 8.8% Q/Q; network surpassed $1B since launch.
- TriumphPay achieved self-funding during Q4, contributing excess non-interest bearing deposits back to enterprise.
- Loans held for investment $4.12B, down from $4.87B a year ago; capital ratios improved (CET1 12.74%, total capital 17.68%).

## SEC filing metadata
- accession: 0001628280-23-001540
- form_type: 8-K
- ticker: TFIN
- cik: 0001539638
- company_name: Triumph Financial, Inc.
- filed_at: 2023-01-25T23:59:59+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/1539638/000162828023001540/0001628280-23-001540-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1539638/000162828023001540/tfin-20230125.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001628280-23-001540
- JSON: https://secwatch.observer/filing/0001628280-23-001540.json
- Plain text: https://secwatch.observer/filing/0001628280-23-001540.txt

## Key facts
- Earnings Releases
  Triumph Financial, Inc. reported the quarter ended December 31, 2022 results: net income $16.8 million, EPS $0.67 per diluted share.
  - Period: the quarter ended December 31, 2022
  - Net income: $16.8 million
  - EPS: $0.67 per diluted share
  - Result: reported results
  source text: For the fourth quarter, we earned net income to common stockholders of $16.8 million, or $0.67 per diluted share.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1539638/000162828023001540/0001628280-23-001540-index.htm

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