STOCK TITAN

[8-K] Triumph Financial, Inc. Reports Material Event

Filing Impact
(Moderate)
Filing Sentiment
(Neutral)
Form Type
8-K

Triumph Financial, Inc. furnished its quarterly update and announced a new capital return plan. The company reported results for the quarter ended September 30, 2025 via a shareholder letter (Exhibit 99.1), which includes non-GAAP measures with reconciliations.

The board authorized a share repurchase program of up to $30 million of common stock for up to one year. Repurchases may occur at the company’s discretion in open market or privately negotiated transactions, with the amount and timing influenced by the stock’s trading price, applicable securities laws, regulatory limitations, and market and economic factors. The program does not require any minimum repurchase amount and may be modified, suspended, or discontinued at any time.

Management also furnished an investor presentation (Exhibit 99.2). The information under Items 2.02 and 7.01, including Exhibits 99.1 and 99.2, is being furnished and not deemed filed under the Exchange Act.

Triumph Financial, Inc. ha fornito l'aggiornamento trimestrale e ha annunciato un nuovo piano di ritorno del capitale. L'azienda ha riportato i risultati del trimestre terminato il 30 settembre 2025 tramite una lettera agli azionisti (Exhibit 99.1), che include misure non-GAAP con ricostruzioni.

Il consiglio ha autorizzato un programma di riacquisto di azioni fino a $30 milioni di azioni ordinarie per un periodo massimo di un anno. I riacquisti possono avvenire a discrezione della società sul mercato aperto o in transazioni negoziate privatamente, con l'importo e i tempi influenzati dal prezzo di negoziazione delle azioni, dalle leggi sui titoli applicabili, da limitazioni normative e da fattori di mercato ed economici. Il programma non richiede alcun importo minimo di riacquisto e può essere modificato, sospeso o interrotto in qualsiasi momento.

La direzione ha inoltre fornito una presentazione agli investitori (Exhibit 99.2). Le informazioni relative agli Item 2.02 e 7.01, inclusi gli Allegati 99.1 e 99.2, sono fornite e non sono considerate depositate ai sensi della Securities Exchange Act.

Triumph Financial, Inc. presentó su actualización trimestral y anunció un nuevo plan de retorno de capital. La empresa informó los resultados del trimestre terminado el 30 de septiembre de 2025 a través de una carta a los accionistas (Exhibit 99.1), que incluye medidas no GAAP con reconciliaciones.

El consejo autorizó un programa de recompra de acciones de hasta $30 millones de acciones comunes por un periodo de hasta un año. Las recompras pueden realizarse a discreción de la empresa en operaciones de mercado abierto o en transacciones negociadas en privado, con el monto y el momento influenciados por el precio de negociación de las acciones, las leyes de valores aplicables, limitaciones regulatorias y factores de mercado y económicos. El programa no requiere ninguna cantidad mínima de recompra y puede ser modificado, suspendido o discontinuado en cualquier momento.

La dirección también presentó una presentación para inversores (Exhibit 99.2). La información bajo los ítems 2.02 y 7.01, incluyendo los Exhibits 99.1 y 99.2, se está proporcionando y no se considera presentada conforme a la Securities Exchange Act.

Triumph Financial, Inc.는 분기별 업데이트를 제시하고 새로운 자본 반환 계획을 발표했습니다. 회사는 2025년 9월 30일 종료 분기의 실적을 주주 서한(전시 99.1)을 통해 보고했으며, 여기에는 조정치가 포함된 비GAAP 지표가 포함되어 있습니다.

이사회는 최대 $30 백만 달러의 일반주식 재매입 프로그램을 1년의 기간 동안 승인했습니다. 재매입은 시장에서의 공개매매 또는 비공개 협상 거래로 회사 재량에 따라 이루어질 수 있으며, 금액과 시점은 주가, 적용 증권법, 규제 제한, 및 시장 및 경제 요인에 의해 영향을 받습니다. 이 프로그램은 최소 재매입 금액을 요구하지 않으며 언제든지 수정, 중단 또는 종료될 수 있습니다.

경영진은 또한 투자자 프리젠테이션(전시 99.2)을 제공했습니다. 항목 2.02 및 7.01에 대한 정보는 전시 99.1 및 99.2를 포함하여 제공되며 Exchange Act에 따라 제출된 것으로 간주되지 않습니다.

Triumph Financial, Inc. a fourni sa mise à jour trimestrielle et a annoncé un nouveau plan de restitution de capital. La société a rapporté les résultats du trimestre terminé le 30 septembre 2025 via une lettre aux actionnaires (Exhibit 99.1), qui comprend des mesures non-GAAP avec des réconciliations.

Le conseil d'administration a autorisé un programme de rachat d'actions d'un montant allant jusqu'à $30 millions d'actions ordinaires pour une durée allant jusqu'à un an. Les rachats peuvent intervenir à la discrétion de la société sur le marché libre ou dans des transactions négociées privément, le montant et le moment étant influencés par le cours des actions, les lois sur les valeurs mobilières applicables, les limitations réglementaires et les facteurs de marché et économiques. Le programme n'exige aucun montant minimum de rachat et peut être modifié, suspendu ou interrompu à tout moment.

La direction a également fourni une présentation destinée aux investisseurs (Exhibit 99.2). Les informations relatives aux points 2.02 et 7.01, y compris les Exhibits 99.1 et 99.2, sont fournies et ne sont pas réputées déposées en vertu du Securities Exchange Act.

Triumph Financial, Inc. hat sein vierteljährliches Update vorgelegt und einen neuen Plan zur Kapitalrückführung angekündigt. Das Unternehmen berichtete die Ergebnisse für das Quartal zum Stichtag 30. September 2025 in einem Aktionärsbrief (Exhibit 99.1), der non-GAAP-Maßnahmen mit Abstimmungsrechnungen enthält.

Der Vorstand hat ein Aktienrückkaufprogramm von bis zu $30 Millionen Aktien für bis zu einem Jahr genehmigt. Rückkäufe können nach Ermessen des Unternehmens in Open-Market- oder privat verhandelten Transaktionen erfolgen, wobei Betrag und Timing durch den Aktienhandelspreis, anwendbare Wertpapiergesetze, regulatorische Einschränkungen sowie Markt- und Wirtschafts-faktoren beeinflusst werden. Das Programm erfordert keinen Mindestrückkaufbetrag und kann jederzeit geändert, ausgesetzt oder beendet werden.

Das Management hat außerdem eine Investorenpräsentation (Exhibit 99.2) bereitgestellt. Die Informationen unter den Punkten 2.02 und 7.01, einschließlich der Exhibits 99.1 und 99.2, werden bereitgestellt und gelten nicht als gemäß dem Securities Exchange Act eingereicht.

Triumph Financial, Inc. قدمت تحديثها الربع سنوي وأعلنت عن خطة جديدة لإعادة رأس المال. أبلغت الشركة عن نتائج الربع المنتهي في 30 سبتمبر 2025 من خلال رسالة إلى المساهمين (Exhibit 99.1)، والتي تتضمن مقاييس غير GAAP مع تسويات.

وافق المجلس على برنامج لإعادة شراء أسهم يصل إلى $30 مليون دولار من الأسهم العادية لمدة أقصاها عام واحد. يمكن أن تتم عمليات إعادة الشراء وفقاً لتقدير الشركة في السوق المفتوح أو في صفقات تفاوض خاص، مع أن المبلغ والوقت يتأثران بسعر تداول السهم، وقوانين الأوراق المالية المعمول بها، والقيود التنظيمية وعوامل السوق والاقتصاد. لا يتطلب البرنامج حدًا أدنى لإعادة الشراء وقد يتم تعديله أو تعليقه أو إنهاؤه في أي وقت.

كما قدمت الإدارة عرضاً تقديمياً للمستثمرين (Exhibit 99.2). المعلومات بموجب البنود 2.02 و7.01، بما في ذلك العروض 99.1 و99.2، يتم تقديمها ولا تعتبر مقدمة وفقاً لـ Exchange Act.

Triumph Financial, Inc. 提供了其季度更新并宣布了新的资本回报计划。公司通过股东信函(Exhibit 99.1)报告了截至 2025 年 9 月 30 日的季度业绩,其中包含非 GAAP 指标及其对账。

董事会批准了一项最高达 $30 百万美元 的普通股回购计划,期限最长为一年。回购可以由公司自行决定在公开市场或私下协商交易中进行,金额和时机受股票交易价格、适用的证券法、监管限制以及市场和经济因素影响。该计划不设最低回购金额,且可随时修改、暂停或终止。

管理层还提供了一份投资者演示文稿(Exhibit 99.2)。关于第 2.02 和 7.01 条的信息,包括 Exhibits 99.1 和 99.2,正在提供中,且不被视为根据《交易法》提交。

Positive
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Insights

$30M buyback authorized; results furnished, not filed.

Triumph Financial authorized a share repurchase of up to $30,000,000 for a period of up to one year. Repurchases can be executed in the open market or via privately negotiated transactions, providing flexibility in method and timing.

The program is discretionary, includes no minimum, and can be modified or discontinued, so actual repurchase activity will depend on factors like trading price, regulatory limits, and market conditions. Because Items 2.02 and 7.01 are furnished, they are not subject to Section 18 liabilities.

The quarter ended on September 30, 2025, with details in the shareholder letter and an investor presentation. Actual impact on share count and capital remains contingent on execution within the authorized window.

Triumph Financial, Inc. ha fornito l'aggiornamento trimestrale e ha annunciato un nuovo piano di ritorno del capitale. L'azienda ha riportato i risultati del trimestre terminato il 30 settembre 2025 tramite una lettera agli azionisti (Exhibit 99.1), che include misure non-GAAP con ricostruzioni.

Il consiglio ha autorizzato un programma di riacquisto di azioni fino a $30 milioni di azioni ordinarie per un periodo massimo di un anno. I riacquisti possono avvenire a discrezione della società sul mercato aperto o in transazioni negoziate privatamente, con l'importo e i tempi influenzati dal prezzo di negoziazione delle azioni, dalle leggi sui titoli applicabili, da limitazioni normative e da fattori di mercato ed economici. Il programma non richiede alcun importo minimo di riacquisto e può essere modificato, sospeso o interrotto in qualsiasi momento.

La direzione ha inoltre fornito una presentazione agli investitori (Exhibit 99.2). Le informazioni relative agli Item 2.02 e 7.01, inclusi gli Allegati 99.1 e 99.2, sono fornite e non sono considerate depositate ai sensi della Securities Exchange Act.

Triumph Financial, Inc. presentó su actualización trimestral y anunció un nuevo plan de retorno de capital. La empresa informó los resultados del trimestre terminado el 30 de septiembre de 2025 a través de una carta a los accionistas (Exhibit 99.1), que incluye medidas no GAAP con reconciliaciones.

El consejo autorizó un programa de recompra de acciones de hasta $30 millones de acciones comunes por un periodo de hasta un año. Las recompras pueden realizarse a discreción de la empresa en operaciones de mercado abierto o en transacciones negociadas en privado, con el monto y el momento influenciados por el precio de negociación de las acciones, las leyes de valores aplicables, limitaciones regulatorias y factores de mercado y económicos. El programa no requiere ninguna cantidad mínima de recompra y puede ser modificado, suspendido o discontinuado en cualquier momento.

La dirección también presentó una presentación para inversores (Exhibit 99.2). La información bajo los ítems 2.02 y 7.01, incluyendo los Exhibits 99.1 y 99.2, se está proporcionando y no se considera presentada conforme a la Securities Exchange Act.

Triumph Financial, Inc.는 분기별 업데이트를 제시하고 새로운 자본 반환 계획을 발표했습니다. 회사는 2025년 9월 30일 종료 분기의 실적을 주주 서한(전시 99.1)을 통해 보고했으며, 여기에는 조정치가 포함된 비GAAP 지표가 포함되어 있습니다.

이사회는 최대 $30 백만 달러의 일반주식 재매입 프로그램을 1년의 기간 동안 승인했습니다. 재매입은 시장에서의 공개매매 또는 비공개 협상 거래로 회사 재량에 따라 이루어질 수 있으며, 금액과 시점은 주가, 적용 증권법, 규제 제한, 및 시장 및 경제 요인에 의해 영향을 받습니다. 이 프로그램은 최소 재매입 금액을 요구하지 않으며 언제든지 수정, 중단 또는 종료될 수 있습니다.

경영진은 또한 투자자 프리젠테이션(전시 99.2)을 제공했습니다. 항목 2.02 및 7.01에 대한 정보는 전시 99.1 및 99.2를 포함하여 제공되며 Exchange Act에 따라 제출된 것으로 간주되지 않습니다.

Triumph Financial, Inc. a fourni sa mise à jour trimestrielle et a annoncé un nouveau plan de restitution de capital. La société a rapporté les résultats du trimestre terminé le 30 septembre 2025 via une lettre aux actionnaires (Exhibit 99.1), qui comprend des mesures non-GAAP avec des réconciliations.

Le conseil d'administration a autorisé un programme de rachat d'actions d'un montant allant jusqu'à $30 millions d'actions ordinaires pour une durée allant jusqu'à un an. Les rachats peuvent intervenir à la discrétion de la société sur le marché libre ou dans des transactions négociées privément, le montant et le moment étant influencés par le cours des actions, les lois sur les valeurs mobilières applicables, les limitations réglementaires et les facteurs de marché et économiques. Le programme n'exige aucun montant minimum de rachat et peut être modifié, suspendu ou interrompu à tout moment.

La direction a également fourni une présentation destinée aux investisseurs (Exhibit 99.2). Les informations relatives aux points 2.02 et 7.01, y compris les Exhibits 99.1 et 99.2, sont fournies et ne sont pas réputées déposées en vertu du Securities Exchange Act.

Triumph Financial, Inc. hat sein vierteljährliches Update vorgelegt und einen neuen Plan zur Kapitalrückführung angekündigt. Das Unternehmen berichtete die Ergebnisse für das Quartal zum Stichtag 30. September 2025 in einem Aktionärsbrief (Exhibit 99.1), der non-GAAP-Maßnahmen mit Abstimmungsrechnungen enthält.

Der Vorstand hat ein Aktienrückkaufprogramm von bis zu $30 Millionen Aktien für bis zu einem Jahr genehmigt. Rückkäufe können nach Ermessen des Unternehmens in Open-Market- oder privat verhandelten Transaktionen erfolgen, wobei Betrag und Timing durch den Aktienhandelspreis, anwendbare Wertpapiergesetze, regulatorische Einschränkungen sowie Markt- und Wirtschafts-faktoren beeinflusst werden. Das Programm erfordert keinen Mindestrückkaufbetrag und kann jederzeit geändert, ausgesetzt oder beendet werden.

Das Management hat außerdem eine Investorenpräsentation (Exhibit 99.2) bereitgestellt. Die Informationen unter den Punkten 2.02 und 7.01, einschließlich der Exhibits 99.1 und 99.2, werden bereitgestellt und gelten nicht als gemäß dem Securities Exchange Act eingereicht.

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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM 8-K
CURRENT REPORT
PURSUANT TO SECTION 13 OR 15(D)
OF THE SECURITIES EXCHANGE ACT OF 1934
Date of Report (Date of earliest event reported): October 15, 2025
TRIUMPH FINANCIAL, INC.
(Exact name of Registrant as Specified in Its Charter)
Texas
(State or Other Jurisdiction
of Incorporation)
001-36722
(Commission
File Number)
20-0477066
(IRS Employer
Identification No.)
12700 Park Central Drive, Suite 1700
Dallas, Texas
(Address of Principal Executive Offices)
 
75251
(Zip Code)
(214) 365-6900
(Registrant’s telephone number, including area code)
(Former Name or Former Address, if Changed Since Last Report)
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instructions A.2. below):
Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2b)
Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4c)
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).
Emerging growth company
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ¨
Securities registered pursuant to Section 12(b) of the Act:
Title of each classTrading
Symbol(s)
Name of each exchange on which registered
Common stock, par value $0.01 per shareTFINThe New York Stock Exchange
NYSE Texas
Depositary Shares Each Representing a 1/40th Interest in a Share of 7.125% Series C Fixed-Rate Non-Cumulative Perpetual Preferred StockTFIN PRThe New York Stock Exchange



Item 2.02.Results of Operations and Financial Condition
On October 15, 2025, Triumph Financial, Inc. (the “Company”) announced its financial results for the quarter ended September 30, 2025 in its letter to shareholders attached hereto as Exhibit 99.1. Exhibit 99.1 includes certain non-GAAP financial measures. A reconciliation of those measures to the most directly comparable GAAP measures is included as a table in the letter to shareholders. The information in this Item 2.02, including Exhibit 99.1, shall be considered furnished for purposes of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), and shall not be deemed “filed” for any purpose.
Item 7.01.Regulation FD Disclosure
Share Repurchase Authorization
On October 15, 2025, the board of directors of the Company authorized a share repurchase program whereby the Company may repurchase up to $30 million of its outstanding common stock, par value $0.01 per share (“Common Stock”). The Company may repurchase shares of Common Stock from time to time in open market transactions or through privately negotiated transactions at the Company’s discretion. The amount, timing, and nature of any share repurchases will be based on a variety of factors, including the trading price of the Company’s Common Stock, applicable securities laws restrictions, regulatory limitations, as well as market and economic factors. The repurchase program is authorized for a period of up to one year and does not require the Company to repurchase any specific number of shares. At the Company’s discretion, the repurchase program may be modified, suspended or discontinued at any time. The information in Item 7.01 of this Current Report on Form 8-K is for informational purposes only and does not constitute an offer to sell or the solicitation to buy any securities, nor shall there be any sale of securities in any jurisdiction in which such offer, solicitation or sale would be unlawful prior to registration or qualification under the securities laws of any such jurisdiction.
Investor Presentation
Triumph Financial, Inc. executives may, from time to time, meet with investors in various meetings. A copy of the materials that may be used in such meetings are attached hereto as Exhibit 99.2.
In accordance with General Instruction B.2 of Form 8-K, the information in Item 7.01 of this Current Report on Form 8-K, including Exhibit 99.2, shall not be deemed “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that section. The information in Item 7.01 of this Current Report on Form 8-K, including Exhibit 99.2, shall not be incorporated by reference into any filing or other document pursuant to the Securities Act of 1933, as amended, except as shall be expressly set forth by specific reference in such filing or document.
Forward-Looking Statements
This Current Report on Form 8-K contains forward-looking statements. Any statements about our expectations, beliefs, plans, predictions, forecasts, objectives, assumptions or future events or performance are not historical facts and may be forward-looking. You can identify forward-looking statements by the use of forward-looking terminology such as “believes,” “expects,” “could,” “may,” “will,” “should,” “seeks,” “likely,” “intends,” “plans,” “pro forma,” “projects,” “estimates” or “anticipates” or the negative of these words and phrases or similar words or phrases that are predictions of or indicate future events or trends and that do not relate solely to historical matters. You can also identify forward-looking statements by discussions of strategy, plans or intentions. Forward-looking statements involve numerous risks and uncertainties and you should not rely on them as predictions of future events. Forward-looking statements depend on assumptions, data or methods that may be incorrect or imprecise and we may not be able to realize them. We do not guarantee that the transactions and events described will happen as described (or that they will happen at all). The following factors, among others, could cause actual results and future events to differ materially from those set forth or contemplated in the forward-looking statements: business and economic conditions generally and in the bank and non-bank financial services industries, nationally and within our local market areas; our ability to mitigate our risk exposures; our ability to maintain our historical earnings trends; changes in management personnel; interest rate risk; concentration of our products and services in the transportation industry; credit risk associated with our loan portfolio; lack of seasoning in our loan portfolio; deteriorating asset quality and higher loan charge-offs; time and effort necessary to resolve nonperforming assets; inaccuracy of the assumptions and estimates we make in establishing reserves for probable loan losses and other estimates; risks related to the integration of acquired businesses, including our recent acquisition of Greenscreens, and any future acquisitions; our ability to successfully identify and address the risks associated with our possible future acquisitions, and the risks that our prior and possible future acquisitions make it more difficult for investors to evaluate our business, financial condition and results of operations, and impairs our ability to accurately forecast our future performance;



lack of liquidity; fluctuations in the fair value and liquidity of the securities we hold for sale; impairment of investment securities, goodwill, other intangible assets or deferred tax assets; our risk management strategies; environmental liability associated with our lending activities; increased competition in the bank and non-bank financial services industries, nationally, regionally or locally, which may adversely affect pricing and terms; the accuracy of our financial statements and related disclosures; material weaknesses in our internal control over financial reporting; system failures or failures to prevent breaches of our network security; the institution and outcome of litigation and other legal proceedings against us or to which we become subject; changes in carry-forwards of net operating losses; changes in federal tax law or policy; the impact of recent and future legislative and regulatory changes, including changes in banking, securities and tax laws and regulations, such as the Dodd-Frank Act and their application by our regulators as well as privacy, cybersecurity, and artificial intelligence regulation and oversight; governmental monetary and fiscal policies; changes in the scope and cost of FDIC, insurance and other coverages; failure to receive regulatory approval for future acquisitions and increases in our capital requirements.
While forward-looking statements reflect our good-faith beliefs, they are not guarantees of future performance. All forward-looking statements are necessarily only estimates of future results. Accordingly, actual results may differ materially from those expressed in or contemplated by the particular forward-looking statement, and, therefore, you are cautioned not to place undue reliance on such statements. Further, any forward-looking statement speaks only as of the date on which it is made, and we undertake no obligation to update any forward-looking statement to reflect events or circumstances after the date on which the statement is made or to reflect the occurrence of unanticipated events or circumstances, except as required by applicable law. For a discussion of such risks and uncertainties, which could cause actual results to differ from those contained in the forward-looking statements, see "Risk Factors" and the forward-looking statement disclosure contained in Triumph’s Annual Report on Form 10-K, filed with the Securities and Exchange Commission on February 11, 2025.
Item 9.01.Financial Statements and Exhibits
(d)Exhibits.
ExhibitDescription
99.1
Letter to Shareholders, dated October 15, 2025
99.2
Triumph Financial, Inc. Investor Presentation
104Cover Page Interactive Data File (embedded within the Inline XBRL document)



EXHIBIT INDEX

ExhibitDescription
99.1
Letter to Shareholders, dated October 15, 2025
99.2
Triumph Financial, Inc. Investor Presentation
104Cover Page Interactive Data File (embedded within the Inline XBRL document)



SIGNATURE
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, hereunto duly authorized.
TRIUMPH FINANCIAL, INC.
 
By:/s/ Adam D. Nelson
Name: Adam D. Nelson
Title: Executive Vice President & General Counsel
Date: October 15, 2025

Triumph Financial Inc

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