{"schema_version":"secwatch.filing_event.v1","accession":"0001628280-24-032074","form_type":"8-K","ticker":"TFIN","cik":"0001539638","company_name":"Triumph Financial, Inc.","filed_at":"2024-07-17T23:59:59+00:00","discovered_at":"2026-05-14T18:03:13.451601+00:00","generated_at":"2026-05-31T20:12:23.704138+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Triumph Financial Q2 net income $1.9M ($0.08), misses by $3.3M; expenses rise 7.7% QoQ","bullets":["Q2 net income $1.9M ($0.08 diluted EPS); missed consensus by ~$3.3M; revenue flat amid extended freight recession.","Expenses $97.3M (+7.7% QoQ); Q3 guided ~$97M; management plans to hold expenses flat thereafter, barring M&A.","Network engagement in brokered freight ~47% at Q2 end; targeting 50% by year-end; C.H. Robinson and ArcBest on board.","NPA ratio 1.60% (up from 0.68% a year ago); ACL to loans 0.92%; yield on loans 9.10%, cost of funds 1.62%."],"urls":{"canonical":"https://secwatch.observer/filing/0001628280-24-032074","json":"https://secwatch.observer/filing/0001628280-24-032074.json","markdown":"https://secwatch.observer/filing/0001628280-24-032074.md","text":"https://secwatch.observer/filing/0001628280-24-032074.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1539638/000162828024032074/0001628280-24-032074-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1539638/000162828024032074/tfin-20240717.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T20:12:23.704138+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"}