Triumph Financial, Inc. (NASDAQ:TFIN) Q4 2024 Earnings Conference Call January 23, 2025 10:30 AM ET
Company Participants
Luke Wyse - SVP, Finance, IR
Aaron Graft - Founder, Vice Chairman and CEO
Melissa Forman - President, TriumphPay
W. Brad Voss - EVP, CFO
Todd Ritterbusch - President, TBK Bank
Conference Call Participants
Timothy Switzer - KBW
Matt Olney - Stephens Inc.
Joe Yanchunis - Raymond James
Gary Tenner - D.A. Davidson
Hal Goetsch - B. Riley
Luke Wyse
Good morning. It's 9:30 in Dallas, and we're excited to chat with you this morning. Thank you for your interest in Triumph, and thanks for taking the time to join us to discuss our Fourth Quarter and Full Year 2024 Results. With that, let's get to business. Aaron's letter last evening discussed the quarter's results and introduced a new segment. We are excited about many things happening at Triumph now but probably most excited about the opportunities we see developing from the density established in our network. We are helping America's truckers get paid with greater speed, accuracy and transparency than was ever possible before and we're allowing our partners to benefit from our transportation technology investments. That quarterly shareholder letter published last evening and our quarterly results will form the basis of our call today. However, before we get started, I would like to remind you that this conversation may include forward-looking statements. Those statements are subject to risks and uncertainties that could cause actual and anticipated results to differ. The company undertakes no obligation to publicly revise any forward-looking statement. For details please refer to the Safe Harbor statement in our shareholder letter published last evening. All comments made during today's call are subject to that Safe Harbor statement. With that, I'd like to turn the call over to Aaron for a welcome and to kick off our Q&A. Aaron?