secwatch.observer — SEC 8-K summary
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Issuer:     Triumph Financial, Inc. (TFIN)
CIK:        0001539638
Form:       8-K
Filed at:   2025-01-22T23:59:59+00:00
Accession:  0001628280-25-002174
Event type: earnings
Sentiment:  negative
Materiality: 0.75
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1539638/000162828025002174/0001628280-25-002174-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1539638/000162828025002174/tfin-20250122.htm
  HTML page:      https://secwatch.observer/filing/0001628280-25-002174

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