Triumph Financial, Inc. (TFIN) Q3 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:04.157 Good morning. It's 9.30 in Dallas. We'd like to thank you for your interest in Triumph, 00:00:04.157 -- 00:00:08.504 and thanks for joining us this morning to discuss our third quarter 2025 results. 00:00:08.504 -- 00:00:13.492 With that, let's get to business. Aaron's letter last evening outlined a quarter of continued 00:00:13.492 -- 00:00:17.238 execution on our revenue growth goals, as well as the initial results of our push towards 00:00:17.238 -- 00:00:21.750 lean operations. There was a bit of noise this quarter related to our restructuring efforts, 00:00:21.750 -- 00:00:25.577 and we highlighted those non-recurring portions of that in our commentary. 00:00:25.577 -- 00:00:29.383 There was a lot of positive momentum in the quarter through a very tough market, as evidenced 00:00:29.383 -- 00:00:32.128 by the continued revenue growth of our payments business. 00:00:32.128 -- 00:00:36.776 We plan to continue executing on our ability to grow revenue, expand operating margins, 00:00:36.776 -- 00:00:40.042 and improve shareholder returns in whatever market we face. 00:00:40.042 -- 00:00:43.906 That quarterly letter published last evening and our quarterly results will form the 00:00:43.906 -- 00:00:48.110 basis of our call today. However, before we get started, I would like to remind you that 00:00:48.110 -- 00:00:50.973 this conversation may include forward-looking statements. 00:00:50.973 -- 00:00:54.997 Those statements are subject to risks and uncertainties that could cause actual and anticipated 00:00:54.997 -- 00:00:59.422 results to differ. The company undertakes no obligation to publicly revise any forward-looking 00:00:59.422 -- 00:01:03.266 statement. For details, please refer to the safe harbor statement in our sharehol...