TFIN
Triumph Financial, Inc.62.53
+0.27+0.43%
Dec 16, 4:00:02 PM EST
Earnings Call Transcripts
This Quarter (Q4 '25)
No earnings call transcript available yet
Last Quarter (Q3 '25)
No earnings call transcript available
Key Stats
Market Cap
1.49BP/E (TTM)
223.32Basic EPS (TTM)
0.28Dividend Yield
0%Recent Filings
8-K
10-Q
Q3 FY2025 results
Triumph Financial's Q3 2025 results showed net interest income dipping 1.0% y/y to $87.8M, with net interest margin contracting 52 bps to 6.29% amid softer loan yields, yet total loans grew 9.7% y/y to $4.99B, driven by 18.3% y/y expansion in factored receivables. Noninterest income surged 22.6% y/y to $21.4M, fueled by Payments and Intelligence segments, while noninterest expense rose 8.4% y/y to $103.7M, including restructuring costs. Diluted EPS fell to $0.04 from $0.19 y/y, with net income at $1.7M versus $5.3M, but credit loss expense held steady at $4.3M. Liquidity strengthened with $147.2M in cash equivalents and $692.7M available FHLB advances, alongside $280.0M in advances; the Greenscreens acquisition added $112.0M goodwill and $44.8M intangibles (amortized over 5-12 years). Non-GAAP metrics not disclosed in the 10-Q. Persistent freight market softness poses risks to factoring volumes.
8-K
Q3 earnings and buyback
Triumph Financial reported Q3 net income to common stockholders of $0.9 million, or $0.04 per diluted share, weighed down by $4.4 million in restructuring expenses yet offset by 3.7% quarter-over-quarter transportation revenue growth and Payments segment's first positive pretax operating income. The board authorized a $30 million share repurchase program over one year, signaling undervaluation amid efficiency gains projecting 4Q expenses at $96.5 million. Credit metrics ticked up slightly due to Tricolor exposure, but collateral secures the $22.5 million position. Repurchases prioritize capital allocation.
8-K
Tricolor bankruptcy impacts loan
Triumph Financial's subsidiary, TBK Bank, faces exposure from Tricolor's Chapter 7 bankruptcy filing on September 10, 2025, as agent for a $60.5 million loan facility where it holds $23 million, secured by vehicle inventory. The Bank is actively securing its collateral amid the liquidation proceedings. Bankruptcy hits hard. This event introduces credit risk, with actual outcomes potentially differing from expectations due to inherent uncertainties.
8-K
Triumph declares preferred dividend
Triumph Financial declared a quarterly cash dividend of $17.81 per share on its 7.125% Series C Preferred Stock on August 29, 2025, payable September 30 to holders of record on September 15. This signals steady preferred payouts amid economic pressures. Dividends flow smoothly. Yet forward-looking risks, like interest rate shifts, could sway future declarations.
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