{"schema_version":"secwatch.filing_event.v1","accession":"0001628280-24-001945","form_type":"8-K","ticker":"TFIN","cik":"0001539638","company_name":"Triumph Financial, Inc.","filed_at":"2024-01-23T23:59:59+00:00","discovered_at":"2026-05-14T18:03:24.553604+00:00","generated_at":"2026-06-06T20:00:44.018363+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Triumph Financial Q4 net income $8.8M ($0.37 EPS); TriumphPay turns EBITDA-positive","bullets":["Net income to common stockholders of $8.8M, down from $16.8M in Q4 2022; diluted EPS $0.37 vs $0.67.","TriumphPay achieved positive EBITDA for first time, one year ahead of schedule, despite freight recession.","Introduced LoadPay wallet app for truckers, launching mid-2024, leveraging bank and network distribution.","Credit noise: charge-offs 13 bps, $3.8M loss on liquid credit loan, increased reserves on equipment finance.","Coyote Logistics (#3 broker) added to TriumphPay network; network payment volume up 145.6% YoY."],"urls":{"canonical":"https://secwatch.observer/filing/0001628280-24-001945","json":"https://secwatch.observer/filing/0001628280-24-001945.json","markdown":"https://secwatch.observer/filing/0001628280-24-001945.md","text":"https://secwatch.observer/filing/0001628280-24-001945.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1539638/000162828024001945/0001628280-24-001945-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1539638/000162828024001945/tfin-20240123.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-06T20:00:44.018363+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":"26f6f3b3967bc1c09c56b76b31b1bf33d3a7d9eb","claim":"Triumph Financial, Inc. reported the quarter ended December 31, 2023 results: net income net income to common stockholders of $8.8 million, EPS $0.37 per diluted share.","evidence_excerpt":"On January 23, 2024, Triumph Financial, Inc. (the “Company”) announced its financial results for the quarter ended December 31, 2023 in its letter to shareholders attached hereto as Exhibit 99.1.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1539638/000162828024001945/0001628280-24-001945-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended December 31, 2023"},{"label":"Net income","value":"net income to common stockholders of $8.8 million"},{"label":"EPS","value":"$0.37 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"}