Triumph Financial, Inc. (TFIN) FY2025 10-K Annual Report
Triumph Financial, Inc. (TFIN) 10-K annual report for fiscal year 2025, filed with SEC EDGAR on Feb 11, 2026. This page provides AI-powered analysis including business overview, management discussion & analysis (MD&A), risk factors, and key financial data such as revenue, net income, gross margin, operating margin, and return on equity (ROE) extracted from XBRL.
Triumph Financial, Inc. FY2025 10-K Analysis
Business Overview
- • Core business: Commercial banking focusing on loans including commercial real estate, equipment, and factored receivables
- • Increased focus on credit quality with nonperforming loans ratio dropping to 1.15% from 2.49% and nonperforming assets to 1.10% from 2.02%
Management Discussion & Analysis
- • Revenue mix 2025: Banking 57%, Factoring 31%, Payments 11%, Intelligence 1% of total segment revenue
- • Loans grew $444.3M YoY to $4.991B: Banking loans +5.5% to $3.525B, Factoring +18.2% to $1.221B, Payments +41.0% to $242.1M
Risk Factors
- • Cybersecurity risk management overseen by CISO with 25+ years experience, reporting quarterly to the Board and Risk and Compliance Committee
- • Risk and Compliance Committee regularly reviews cybersecurity measures annually, escalating incidents timely per protocol
Triumph Financial, Inc. FY2025 Key Financial MetricsXBRL
Revenue
$430M
▲ +1.9% YoY
Net Income
$25M
▲ +57.6% YoY
Net Margin
5.9%
▲ +208bp YoY
ROE
2.7%
▲ +89bp YoY
Total Assets
$6.4B
▲ +7.3% YoY
EPS (Diluted)
$0.93
▲ +72.2% YoY
Operating Cash Flow
$67M
▲ +14.5% YoY
Source: XBRL data from Triumph Financial, Inc. FY2025 10-K filing on SEC EDGAR. All figures in USD.
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