---
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"
generated_at: "2026-06-06T20:00:44.018363+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Triumph Financial Q4 net income $8.8M ($0.37 EPS); TriumphPay turns EBITDA-positive

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- 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/1539638/000162828024001945/0001628280-24-001945-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1539638/000162828024001945/tfin-20240123.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001628280-24-001945
- JSON: https://secwatch.observer/filing/0001628280-24-001945.json
- Plain text: https://secwatch.observer/filing/0001628280-24-001945.txt

## Key facts
- Earnings Releases
  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.
  - Period: the quarter ended December 31, 2023
  - Net income: net income to common stockholders of $8.8 million
  - EPS: $0.37 per diluted share
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/1539638/000162828024001945/0001628280-24-001945-index.htm

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