---
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"
generated_at: "2026-05-27T19:23:58.671959+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Triumph Financial Q4 net income $3.0M ($0.13 EPS); warns Q1 earnings may decline

## Summary
- 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%.

## SEC filing metadata
- 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
- 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/1539638/000162828025002174/0001628280-25-002174-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1539638/000162828025002174/tfin-20250122.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001628280-25-002174
- JSON: https://secwatch.observer/filing/0001628280-25-002174.json
- Plain text: https://secwatch.observer/filing/0001628280-25-002174.txt

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