{"schema_version":"secwatch.filing_event.v1","accession":"0001628280-25-002174","form_type":"8-K","ticker":"TFIN","cik":"0001539638","company_name":"Triumph Financial, Inc.","filed_at":"2025-01-22T23:59:59+00:00","discovered_at":"2026-05-14T18:03:03.948235+00:00","generated_at":"2026-05-27T19:23:58.671959+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 Q4 net income $3.0M ($0.13 EPS); warns Q1 earnings may decline","bullets":["Q4 net income to common stockholders $3.0M ($0.13 diluted EPS) vs $8.8M ($0.37) in Q4 2023.","Full year 2024 net income $12.9M ($0.54 diluted EPS); expenses down 2.5% QoQ.","Completed acquisition of Isometric Technologies; new Intelligence segment created.","Payments EBITDA margin 8.6% (record); Factoring operating margin 23.7%.","LoadPay had 192 accounts at year-end, $208K spend in Q4, avg interchange 1.67%."],"urls":{"canonical":"https://secwatch.observer/filing/0001628280-25-002174","json":"https://secwatch.observer/filing/0001628280-25-002174.json","markdown":"https://secwatch.observer/filing/0001628280-25-002174.md","text":"https://secwatch.observer/filing/0001628280-25-002174.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1539638/000162828025002174/0001628280-25-002174-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1539638/000162828025002174/tfin-20250122.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T19:23:58.671959+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"}