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): ~~November~~January 2826, ~~2025~~2026

TRIUMPH FINANCIAL, INC.

(Exact name of ~~registrant~~Registrant as ~~specified~~Specified in ~~its~~Its ~~charter~~Charter)

Texas(State or Other Jurisdictionof Incorporation)	001-36722(CommissionFile Number)	20-0477066(IRS EmployerIdentification No.)
12700 Park Central Drive, Suite 1700,Dallas, Texas(Address of Principal Executive Offices)		75251(Zip Code)
12700 Park Central Drive, Suite 1700Dallas, 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 class

TradingSymbol(s)

Name of each exchange on which registered

Common stock, par value $0.01 per share

TFIN

The 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 Stock

TFIN PR

The New York Stock Exchange

Item 82.0102.~~Other~~Results ~~Events~~of Operations and Financial Condition

On ~~November~~January 2826, ~~2025~~2026, Triumph Financial, Inc. (the “Company”) ~~issued~~announced aits ~~press~~financial ~~release~~results ~~announcing~~for ~~that~~ the ~~board~~quarter ofended ~~directors~~December 31, of2025 ~~the~~in ~~Company~~its ~~declared~~letter ato ~~quarterly~~shareholders ~~cash~~attached ~~dividend~~hereto onas ~~its~~Exhibit 799.~~125%~~1. ~~Series~~Exhibit C99.1 ~~Fixed-Rate~~includes ~~Non~~certain non-~~Cumulative~~GAAP ~~Perpetual~~financial ~~Preferred~~measures. ~~Stock~~A ~~(the~~reconciliation ~~“Series~~of Cthose ~~Preferred~~measures ~~Stock”)~~to ofthe ~~$17.81~~most ~~per~~directly ~~share~~comparable ~~(equivalent~~GAAP tomeasures ~~$0.44525~~is ~~per~~included ~~depositary~~as ~~share~~a ~~representing~~table ain ~~1/40~~the ~~interest~~letter into ashareholders. ~~share~~The ofinformation ~~Series~~in Cthis ~~Preferred~~Item ~~Stock)~~2.02, ~~Such~~including ~~dividend~~Exhibit is99.1, ~~payable~~shall ~~December 30,~~be ~~2025,~~considered tofurnished ~~shareholders~~for purposes of ~~record~~the Securities Exchange Act of 1934, as amended (the ~~Series~~“Exchange CAct”), ~~Preferred~~and ~~Stock~~shall onnot ~~December 15,~~be ~~2025~~deemed “filed” for any purpose.

A copy of the press release is attached as Exhibit 99.1 hereto.

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 ~~Financial~~’s Annual Report on Form 10-K, filed with the Securities and Exchange Commission ~~(“SEC”)~~ on February 11, 2025.

Item 9.01.Financial Statements and Exhibits

(d)Exhibits.

Exhibit			Description
99.1			~~Press~~Letter ~~release~~to Shareholders, dated ~~November~~January 2826, ~~2025~~2026
104			Cover Page Interactive Data File (embedded within the Inline XBRL document)

EXHIBIT INDEX


Exhibit			Description
99.1			Letter to Shareholders, dated January 26, 2026
104			Cover 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: ~~November~~January 2826, ~~2025~~2026

Filing Compare · Triumph Financial, Inc.