---
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"
generated_at: "2026-05-31T20:12:23.704138+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Triumph Financial Q2 net income $1.9M ($0.08), misses by $3.3M; expenses rise 7.7% QoQ

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001628280-24-032074
- JSON: https://secwatch.observer/filing/0001628280-24-032074.json
- Plain text: https://secwatch.observer/filing/0001628280-24-032074.txt

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