** Shares of financial technology company Triumph Financial TFIN.O plunge 16.9% to $76.41

** TFIN late Wednesday posted Q4 profit of 13 cents/shr, missing Wall Street expectations of 24 cents/shr — LSEG

** Q4 credit loss expense of $4.5 mln was higher than Street expectations of $3.5 mln, primarily due to the continuing freight recession

** Meanwhile, Q4 net interest income of $87.8 mln also missed analysts' expectations of $90.7 mln, hurt by lower loan yields

** CEO Aaron Graft says there has been a positive shift in the freight markets, but not yet ready to say the downturn is over

** TFIN expects each 25-basis-point rate cut going forward to reduce its quarterly interest income by $0.5 mln to $1 mln

** Q1 earnings may decline from current levels due to seasonal headwinds, Graft says

** Raymond James says it was a relatively "disappointing" quarter as every segment reported revenue beneath its forecast

** TFIN stock jumped 13.3% in 2024

(Reporting by Arasu Kannagi Basil in Bengaluru)

((ArasuKannagi.Basil@thomsonreuters.com))