Triumph Financial TFIN Q4 2025 Earnings Transcript

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Jan. 27, 2026 astatine 10:30 a.m. ET

• Chief Executive Officer — Aaron P. Graft

• Chief Financial Officer — Luke Wyse

• President, Load Pay — David Valier

• Chief Operating Officer — Kimberly Fisk

• Chief Credit Officer — Todd N. Ritterbusch

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Luke Wyse: Good morning. It's 09:30 successful Dallas and acold and icy, but we each made it. We're looking guardant to visiting with you this morning. Thanks for your involvement successful Triumph Financial, Inc., and acknowledgment for joining america this greeting to sermon our 4th fourth 2025 results. With that, let's get to business. Aaron's missive past evening highlighted our advancement connected our stated goals: gross maturation and our absorption connected thin operations. Aside from the halfway concern improvements, determination were a fewer nonrecurring items that went our mode also. This demonstrates 2 things. First, our absorption gives america the quality to clasp non-core elements of our operations loosely and execute connected capital-creating opportunities erstwhile they arise.

Second, our results this 4th show metrics moving successful the close absorption for our semipermanent goals and that we are keeping the main things the main things. The quarterly shareholder missive published past evening and our quarterly results volition signifier the ground of our telephone today. However, earlier we get started, I would similar to punctual you that this speech whitethorn see forward-looking statements. Those statements are taxable to risks and uncertainties that could origin existent and anticipated results to differ. The institution undertakes nary work to publically revise immoderate forward-looking statement. For details, delight notation to the harmless harbor connection successful our shareholder missive published past evening.

All comments made during today's telephone are taxable to that harmless harbor statement. With that, I'd similar to crook the telephone implicit to Aaron for a invited and to footwear disconnected our Q&A. Aaron?

Aaron P. Graft: Good morning. Thank you for joining us. As Luke mentioned, the conditions extracurricular are not stellar, but we each made it. For the call. Before I bash immoderate opening remarks, I privation to invited David Valier to the table, president of Load Pay. Since helium was the caller guy, we made him deterioration a necktie for this call. But going forward, we'll see. Maybe helium tin instrumentality the necktie off. But welcome, David. Glad you're here. And we're gladsome to bash this, and arsenic usual, we're going to leap into Q&A quickly, but I did privation to marque 1 oregon 2 little comments earlier I crook the telephone implicit for questions. I cognize that antithetic investors person antithetic perspectives.