Triumph Financial, Inc. (TFIN) Q1 2025 Earnings Call

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WEBVTT 00:00:00.757 -- 00:00:04.742 Good morning. It's 9.30 in Dallas, and we're looking forward to the conversation this 00:00:04.742 -- 00:00:09.068 morning. To begin, thank you for your interest in Triumph and for joining us this morning 00:00:09.068 -- 00:00:12.373 to discuss our first quarter 2025 results. 00:00:12.373 -- 00:00:14.916 With that, let's get to business. 00:00:14.916 -- 00:00:19.022 Erin's letter last evening discussed the quarter's results and laid out the core transaction 00:00:19.022 -- 00:00:23.977 in detail, describing it as the foundation for all our transportation businesses. 00:00:23.977 -- 00:00:28.424 Despite persistently strong freight headwinds, we are demonstrating the ability to monetize 00:00:28.424 -- 00:00:32.970 what we've built, and the underlying precursors to that revenue later in the year become 00:00:32.970 -- 00:00:37.698 clearer each quarter. That quarterly shareholder letter published last evening and our 00:00:37.698 -- 00:00:40.141 quarterly results will form the basis of our call today. 00:00:40.141 -- 00:00:44.608 However, before we get started, I would like to remind you that this conversation may 00:00:44.608 -- 00:00:48.574 include forward-looking statements. Those statements are subject to risks and uncertainties 00:00:48.574 -- 00:00:51.652 that could cause actual and anticipated results to differ. 00:00:51.652 -- 00:00:56.277 The company undertakes no obligation to publicly revise any forward-looking statements. 00:00:56.277 -- 00:00:59.941 For details, please refer to the safe harbor statement published in our shareholder letter 00:00:59.941 -- 00:01:04.286 last evening. All comments made during today's calls are subject to that safe harbor 00:01:04.286 -- 00:01:08.291 statement. With that, I'd like to turn the ...