Triumph Financial, Inc.

Listed Company

TFIN-PCIK 0001539638NYSELarge AcceleratedState Commercial BanksTexasFY ends Dec 31

Period

FY 2025

Revenue

—

Net Income

$25.36M

Total Assets

$6.38B

Equity

$941.77M

Shares Out

23.81M

Op. Cash Flow

$67.06M

TFIN$80.50+30.07% · past yearDBEQ Basic

Daily closing prices

Business

Triumph Financial, Inc. is a financial holding company serving the for-hire trucking ecosystem through banking, factoring, payments, and intelligence services. TBK Bank provides commercial and retail lending, deposits, and treasury management across Colorado, Iowa, Illinois, Texas, Kansas, and New Mexico. The company purchases invoices from trucking fleets through its factoring business, operates a payments network for brokers, shippers, and carriers, and delivers data analytics to logistics providers.

Summary from 10-K filed 2026-02-11

Financials

Consolidated Statement of Income

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Loans, including fees	220	214	228	181	184
Factored receivables, including fees	173	160	161	223	198
Securities	22	24	20	8	5
FHLB and other stock	2	998,000	1	—	—
Cash deposits	14	24	13	6	608,000
Total interest and dividend income	430	423	422	419	388
Deposits	64	56	34	10	10
Subordinated notes	3	5	5	5	6
Junior subordinated debentures	4	5	4	3	2
Other borrowings	9	6	10	835,000	508,000
Total interest expense	80	72	54	19	—
Net interest income (expense)	351	350	368	400	369
Credit loss expense (benefit)	3	19	12	7	−9
Net interest income (expense) after credit loss expense	347	332	356	394	378
Net gains (losses) on sale or call of securities	0	−1,000	102,000	3	5,000
Net gains (losses) on sale of loans	514,000	178,000	119,000	18	3
Net gains (losses) on disposal of premises and equipment	15	28,000	49,000	—	—
Insurance commissions	4	6	5	5	5
Other	6	9	−552,000	19	12
Total noninterest income	88	65	50	84	55
Salaries and employee benefits	234	220	211	201	174
Occupancy, furniture and equipment	32	33	29	27	24
FDIC insurance and other regulatory assessments	4	3	3	2	2
Professional fees	15	18	13	16	13
Amortization of intangible assets	12	12	11	12	11
Advertising and promotion	7	6	7	8	5
Communications and technology	50	51	46	42	28
Software amortization	11	6	4	4	—
Travel and entertainment	5	5	6	6	—
Other	33	23	24	23	30
Total noninterest expense	403	377	353	341	288
Net income (loss) before income tax expense	33	20	53	137	145
Income tax expense	8	4	12	35	32
Net income	25	16	41	102	113
Dividends on preferred stock	−3	−3	−3	−3	−3
Net income available to common stockholders	22	13	38	99	110
Basic (in dollars per share)	0.94	0.55	1.63	4.06	4.44
Diluted (in dollars per share)	0.93	0.54	1.61	3.96	4.35

Consolidated Balance Sheet

As of · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Cash and due from banks	68	74	93	134	123
Interest-bearing deposits with other banks	181	256	194	274	260
Total cash and cash equivalents	248	330	287	408	383
Securities - equity investments	5	4	4	5	6
Securities - available for sale	364	382	300	255	182
Securities - held to maturity, net of allowance for credit losses of $1,628 and $3,491, respectively, fair value $1,878 and $2,514, respectively	2	2	3	4	5
Loans held for sale	459,000	1	1	—	—
Loans, net of allowance for credit losses of $36,511 and $40,714, respectively	4,955	4,506	4,128	4,077	4,825
Federal Home Loan Bank and other restricted stock, at cost	14	14	14	6	10
Premises and equipment, net	54	161	113	103	106
Capitalized software, net	46	38	22	—	—
Goodwill	355	242	234	234	234
Intangible assets, net	646,000	16	24	32	43
Bank-owned life insurance	65	63	42	41	41
Deferred tax asset, net	181,000	14	9	16	10
Other assets	187	176	166	145	98
Total assets	6,381	5,949	5,347	5,334	5,956
Noninterest-bearing	1,902	1,964	1,632	1,757	1,925
Interest-bearing	3,049	2,856	2,345	2,415	2,721
Total deposits	4,950	4,821	3,977	4,171	4,647
Federal Home Loan Bank advances	280	30	255	30	180
Subordinated notes	70	70	109	108	107
Junior subordinated debentures	43	42	42	41	41
Other liabilities	96	95	100	94	94
Total liabilities	5,439	5,058	4,483	4,445	5,097
Commitments and contingencies - See Notes 13 and 14	—	—	—	—	—
Preferred stock	45	45	45	45	45
Common stock, 23,765,385 and 23,391,411 shares outstanding, respectively	295,000	291,000	290,000	283,000	283,000
Additional paid-in-capital	597	568	551	535	511
Treasury stock, at cost	−271	−268	−265	−183	−105
Retained earnings	571	549	536	498	399
Accumulated other comprehensive income	−2	−3	−3	−7	8
Total stockholders equity	942	891	864	889	859
Total liabilities and stockholders' equity	6,381	5,949	5,347	5,334	5,956

Consolidated Statement of Cash Flows

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Depreciation	15	16	14	13	12
Net accretion on loans	−3	−3	−5	−9	−9
Amortization of subordinated notes issuance costs	217,000	484,000	878,000	843,000	1
Amortization of junior subordinated debentures	639,000	612,000	582,000	556,000	530,000
Net (accretion) amortization on securities	−454,000	−763,000	−844,000	−882,000	−992,000
Software amortization	11	6	4	4	—
Deferred taxes, net	6	−5	7	−2	−6
Stock based compensation	14	15	13	21	20
Net (gains) losses on equity securities	980,000	−491,000	−80,000	−10	322,000
Net OREO (gains) losses and valuation adjustments	−304,000	66,000	0	133,000	—
Origination of loans held for sale	−16	−8	−5	−12	−38
Proceeds from sale of loans originated or purchased for sale	17	8	4	27	60
Net change in operating leases	−491,000	110,000	−278,000	190,000	2
Change in estimated fair value of revenue share asset	9,000	−1	2	62,000	—
(Increase) decrease in other assets	−6	−13	−34	−34	−9
Increase (decrease) in other liabilities	4	−2	−4	−6	12
Net cash provided by (used in) operating activities	67	59	60	81	137
Purchases of securities available for sale	−105	−205	−72	−141	−59
Proceeds from sales of securities available for sale	0	0	16	40	0
Proceeds from maturities, calls, and pay downs of securities available for sale	124	123	29	26	99
Proceeds from maturities, calls, and pay downs of securities held to maturity	229,000	978,000	529,000	679,000	1
Proceeds from sales of equity securities	94,000	700,000	783,000	0	0
Purchases of loans held for investment	−34	−37	−19	−148	−94
Proceeds from sale of loans	24	24	59	233	88
Net change in loans	−451	−380	−92	582	154
Purchases of premises and equipment	−16	−63	−24	−11	−14
Proceeds from sales of premises and equipment	87	41,000	0	—	—
Expenditures for capitalized software	−19	−21	−17	−6	—
Net proceeds from sale of OREO	2	592,000	0	438,000	1
(Purchases) redemptions of FHLB and other restricted stock, net	−199,000	224,000	−8	4	−3
Purchase of Bank Owned Life Insurance	0	−20	0	0	—
Acquired intangible assets	−124,000	−3	−3	0	0
Net cash paid for acquisitions	−137	−10	0	0	−97
Net cash provided by (used in) investing activities	−525	−590	−130	666	78
Net increase (decrease) in deposits	129	843	−194	−465	−70
Increase (decrease) in customer repurchase agreements	0	0	−340,000	−2	−996,000
Increase (decrease) in Federal Home Loan Bank advances	250	−225	225	−150	75
Repayment of other borrowings	0	−40	0	−27	−441
Preferred stock dividends	−3	−3	−3	−3	−3
Stock option exercises, net	320,000	413,000	144,000	−74,000	—
Proceeds from employee stock purchase plan common stock issuance	2	2	2	2	449,000
Purchase of treasury stock, net	−2	−3	−82	−77	−1
Net cash provided by (used in) financing activities	377	575	−52	−722	−146
Net increase (decrease) in cash and cash equivalents	−82	43	−122	25	69
Interest paid	74	69	48	16	19
Income taxes paid, net	−46,000	1,000	14	47	40
Cash paid for operating lease liabilities	6	5	6	4	2
Loans transferred to OREO	12	621,000	37,000	47,000	692,000
Loans held for investment transferred to loans held for sale	24	23	54	229	84
Lease liabilities arising from obtaining right-of-use assets	2	2	4	5	20
Securities available for sale purchased, not settled	0	0	12	8	0
Stock issued as consideration paid for acquisitions	13	0	0	—	—

Filings

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Frequently asked questions

What is Triumph Financial, Inc.'s CIK number?

Triumph Financial, Inc.'s SEC CIK number is 0001539638 (1539638). The CIK (Central Index Key) is the permanent identifier the SEC assigns to every EDGAR filer — unlike a ticker symbol, it never changes.

Where can I find Triumph Financial, Inc.'s SEC filings?

All of Triumph Financial, Inc.'s EDGAR filings — 10-K annual reports, 10-Q quarterly reports, 8-K material events, and insider transactions — are listed on this page, sourced live from SEC EDGAR.

When did Triumph Financial, Inc. last report earnings?

Triumph Financial, Inc. (TFIN-P) most recently filed an earnings 8-K with the SEC on Apr 21, 2026, furnishing its results under Item 2.02 (Results of Operations and Financial Condition). The earnings press release is attached to that filing (accession 0001539638-26-000014). This is Triumph Financial, Inc.'s most recent earnings filing of record — not a forecast of its next earnings date.

What is Triumph Financial, Inc.'s most recent earnings 8-K?

Triumph Financial, Inc.'s latest earnings 8-K (Item 2.02) was filed Apr 21, 2026 under accession 0001539638-26-000014. It carries the quarterly or annual earnings press release — the earliest official, SEC-filed version of the results.

View Triumph Financial, Inc.'s latest earnings 8-K →
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