Financial Data and Key Metrics Changes - The headline earnings number reflects the challenges in the transportation market, but almost every metric reported improved in the transportation businesses, particularly in the Payments segment [5][6] - Revenue from transportation businesses is currently at $206 million, which must increase materially by year-end to sustain current investment levels [29] Business Line Data and Key Metrics Changes - The Payments segment showed significant improvement in key performance indicators (KPIs), indicating potential for revenue growth from existing clients [14][17] - The factoring segment generated $144 million in revenue, which is considered low, but there is an expectation for it to at least double as more clients are onboarded [40] Market Data and Key Metrics Changes - The company is experiencing strong headwinds in the freight market, but there are opportunities arising from large trucking companies returning to the factoring market due to difficulties in maintaining covenants [16] - The second quarter is expected to have significant noise due to potential closings and other factors, with clearer revenue visibility anticipated in the latter half of the year [18] Company Strategy and Development Direction - The company is focused on growing revenue profitably despite market conditions, emphasizing the importance of investments made to create durable value [6][7] - There is a strategic emphasis on monetizing the Payments segment and upgrading legacy contracts to capture additional revenue [58][60] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in improving credit quality and expects that credit will not be a significant concern in the latter half of the year, focusing instead on revenue growth [75] - The company acknowledges the economic uncertainties but believes it is well-positioned to navigate these challenges due to its understanding of its portfolio [70][74] Other Important Information - The company is in the process of closing the Green Screens acquisition, which is expected to enhance its data monetization capabilities [44][47] - Management believes that investing in Green Screens will deliver more long-term shareholder value than share buybacks at current prices [49] Q&A Session Summary Question: Revenue outlook and growth opportunities - Management discussed potential revenue growth from Load Pay and Green Screens, indicating that existing clients are expected to contribute to revenue growth as they upgrade services [12][17] Question: Conforming invoice volume and fee growth - Management clarified that fee growth in the Payments segment can occur independently of conforming invoice volume, as fees are charged based on the services provided [20][22] Question: Revenue split between first and second half of the year - Management indicated that the bulk of revenue growth is expected to come from payments and factoring, with a significant increase needed by year-end [29][30] Question: Financial opportunity from next-gen audit migration - Management stated that the next-gen audit migration is still in early stages, with significant opportunities expected to be captured over the next year [33] Question: Credit metrics and economic uncertainty - Management expressed optimism about credit quality improvements, noting that they have been proactive in addressing credit stress in their portfolio [68][70]

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ___________________________________________________________ Commission File Number 001-36722 ___________________________________________________________ TRIUMPH FINANCIAL, INC. (Exact name of registrant as specified in its charter) ___________________________________________________________ Texas 20-0477066 (State or other jurisdiction of incorporation or organization) FORM 10-Q ________________________________________ ...

Exhibit 99.1 April 16, 2025 Fellow Shareholders, For the first quarter, we recorded a net loss to common stockholders of $(0.8) million, or $(0.03) per diluted share. These results include certain non-core expenses totaling just under $3.0 million, partially offset by $0.8 million in non-core gains. Those items negatively impacted EPS by $0.07. and integrations to expedite our go-to-market strategy. This is why we have gone down this road, and why we intend to see it through. Discussion of the Core Transact ...

DALLAS, April 16, 2025 (GLOBE NEWSWIRE) -- Triumph Financial, Inc. (Nasdaq: TFIN) has released its first quarter 2025 financial results. The 1Q 2025 financial results and shareholder letter are available on the Company’s website at tfin.com through the News & Events, Events & Presentations links. Aaron P. Graft, Vice Chairman & CEO, and Brad Voss, CFO, will review the financial results in a conference call with investors and analysts beginning at 9:30 a.m. central time on Thursday, April 17, 2025. The live ...

DALLAS, April 04, 2025 (GLOBE NEWSWIRE) -- Triumph Financial, Inc. (Nasdaq: TFIN) today announced that it expects to release its first quarter financial results and management commentary after the market closes on Wednesday, April 16, 2025. Upon filing, the financial results and commentary will be available on the Company’s website at tfin.com. Aaron P. Graft, Vice Chairman and CEO, and Brad Voss, CFO, will review the financial results in a conference call with investors and analysts beginning at 9:30 a.m. ...

DALLAS, March 25, 2025 (GLOBE NEWSWIRE) -- Triumph Financial, Inc. (NASDAQ:TFIN) today announced a series of key leadership appointments designed to strengthen its organizational structure and position the company for long-term growth and innovation in the transportation and financial services industry. Kim Fisk has been named president, factoring. She joined Triumph in 2012 and has served in key leadership roles within the factoring segment's credit, underwriting and operations. Fisk has a proven track rec ...

DALLAS, March 10, 2025 (GLOBE NEWSWIRE) -- Triumph Financial, Inc. (Nasdaq: TFIN) today announced the nomination of Melissa McSherry to stand for election to its Board of Directors at its upcoming Annual Meeting of Shareholders. McSherry brings 30 years of experience in financial services, artificial intelligence, big data and software development, with a proven track record of driving revenue growth and executing strategic transformations. Subject to her election by the Company’s shareholders, Ms. McSherry ...

Core Insights - Triumph Financial, Inc. has agreed to acquire Greenscreens.ai for a total of $160 million, consisting of $140 million in cash and $20 million in stock, aiming to enhance its pricing intelligence capabilities in the freight industry [1][3][4] Company Overview - Triumph Financial, Inc. is a financial holding company focused on payments, factoring, banking, and intelligence solutions, headquartered in Dallas, Texas [4] - Greenscreens.ai provides pricing solutions for the logistics industry, utilizing machine learning to deliver market pricing intelligence and business insights [2][5] Strategic Implications - The acquisition is part of Triumph's strategy to transform data into actionable intelligence for the freight industry, following its recent acquisition of Isometric Technologies [3] - The integration of Greenscreens.ai is expected to strengthen Triumph's ability to provide validated, high-quality data that enhances decision-making and operational efficiency [3] Financial Details - The acquisition is subject to customary closing conditions and regulatory approvals, with an expected completion date in the second quarter of 2025 [3][6]

Group 1 - Triumph Financial, Inc. will present at the Raymond James & Associates' 46th Annual Institutional Investors Conference on March 5, 2025, at 11:35 a.m. ET [1] - The presentation will be available via a live webcast, accessible through a direct link or the company's website [1] - Triumph Financial, Inc. is a financial holding company focused on payments, factoring, and banking, with a diversified portfolio including TriumphPay, Triumph, and TBK Bank [2]

Group 1 - Triumph Financial, Inc. will present at the Raymond James & Associates' 46th Annual Institutional Investors Conference on March 5, 2025, at 11:35 a.m. ET [1] - The presentation will be available via a live webcast, accessible through a direct link or the company's website [1] - Triumph Financial, Inc. is a financial holding company focused on payments, factoring, and banking, with a diversified portfolio including TriumphPay, Triumph, and TBK Bank [2]