Triumph Financial, Inc. (TFIN) Q4 2025 Earnings Call

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WEBVTT 00:00:01.870 -- 00:00:06.535 Good morning. It's 9.30 in Dallas and cold and icy, but we all made it. 00:00:06.535 -- 00:00:08.777 We're looking forward to visiting with you this morning. 00:00:08.777 -- 00:00:12.060 Thanks for your interest and triumph, and thanks for joining us this morning to discuss 00:00:12.060 -- 00:00:14.463 our fourth quarter 2025 results. 00:00:14.463 -- 00:00:19.028 With that, let's get to business. Aaron's letter last evening highlighted our progress 00:00:19.028 -- 00:00:23.372 on our stated goals, revenue growth, and our focus on lean operations. 00:00:23.372 -- 00:00:27.236 Aside from the core business improvements, there were a few non-recurring items that 00:00:27.236 -- 00:00:30.430 went our way also. This demonstrates two things. 00:00:30.430 -- 00:00:34.975 First, our focus gives us the ability to hold non-core elements of our operations loosely 00:00:34.975 -- 00:00:38.919 and execute on capital-creating opportunities when they arise. 00:00:38.919 -- 00:00:42.523 Second, our results this quarter demonstrate metrics moving in the right direction for 00:00:42.523 -- 00:00:47.148 our long-term goals and that we are keeping the main things the main things. 00:00:47.148 -- 00:00:51.072 The quarterly shareholder published last evening and our quarterly results will form 00:00:51.072 -- 00:00:54.976 the basis of our call today. However, before we get started, I would like to remind you 00:00:54.976 -- 00:00:57.980 that this conversation may include forward-looking statements. 00:00:57.980 -- 00:01:02.105 Those statements are subject to risks and uncertainties that could cause actual and anticipated 00:01:02.105 -- 00:01:06.570 results to differ. The company undertakes no obligation to publicly revise any forward-looking 00:01:06.57...