Triumph Financial, Inc. TFIN R2K

Financial Services · Banks - Regional · United States

Triumph Financial, Inc., a financial holding company, provides banking, factoring, payments, and intelligence services in the United States. It offers deposit products, including checking, savings, money market, and certificates of deposit; and loan products, such as commercial real estate, commercial construction, land, and land development, residential real estate, agriculture, and consumer loans, as well as commercial and industrial loans, equipment loans, asset-based loans, business loans for working capital and operational purposes, and liquid credit loans. The company also provides electronic banking services, debit cards, insurance brokerage services, mortgage warehouse facilities, and transportation factoring services; payment, audit, and other banking services for the over the road trucking industry; and LoadPay product, a digital bank account developed for Carriers, as well as provides service and performance scoring and benchmarking to the over-the-road trucking industry. The company was formerly known as Triumph Bancorp, Inc. and changed its name to Triumph Financial, Inc. in December 2022. Triumph Financial, Inc. was incorporated in 2003 and is headquartered in Dallas, Texas.

Market & Price

Market Cap

$1.70B

Current Price

$71.25

High / Low (52W)

$71.25 / $46.95

Beta

1.40

Valuation

Stock P/E

59.87

Industry PE

12.01

Forward P/E

27.17

PEG Ratio

1.62

Book Value

$38.05

Price to Book

1.87

P/S

3.84

EV/EBITDA

Dividend Yield

Profitability & Returns

ROCE

ROE

3.44%

ROA

0.48%

Profit Margin

7.17%

Op Margin

14.12%

EPS (Latest Qtr)

$0.23

EPS (TTM)

$1.19

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$167.94M

Total Assets

$6.38B

Current Assets

Working Capital

Ownership

Promoter Holding

5.38%

Chg in Prom Hold

FII / Inst Holding

103.32%

Chg in FII Hold

-0.00%

Financial Snapshot

Enterprise Value

$1.33B

Total Revenue (TTM)

$442.02M

EBITDA

Free Cash Flow

Operating Cash Flow

$75.74M

Shares Outstanding

23.81M

Gross Margin

0.00%

Payout Ratio

0.00%

Growth (CAGR)

Revenue 5Y

-4.34%

Profit 5Y

-37.18%

Revenue (YoY)

6.20%

Earnings (YoY)

PROS

In a confirmed uptrend (50-DMA above 200-DMA).

CONS

Trading at a high P/E of 59.9.
Revenue declined at -4.3% CAGR over 5 years.
Earnings shrank at -37.2% CAGR over 5 years.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	TFIN Triumph Financial, Inc. R2K	71.25	59.87	$1.70B	-	-	3.44%	-4.34%	-37.18%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Jun 2015	Sep 2015	Dec 2015	Mar 2016	Jun 2016	Sep 2016	Dec 2016	Mar 2017	Jun 2017	Sep 2017	Dec 2017	Mar 2018	Jun 2018	Sep 2018	Dec 2018	Mar 2019	Jun 2019	Sep 2019	Dec 2019	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Mar 2022	Jun 2022	Sep 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	100.58M	108.16M	109.28M	104.97M	104.72M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	17.89M	20.52M	21.11M	20.36M	16.66M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	70.00K	7.92M	1.28M	23.71M	8.15M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	53.00K	3.50M	-425.00K	4.50M	1.79M
Net Income	4.65M	5.93M	-	5.01M	4.63M	4.81M	6.26M	10.47M	9.66M	9.78M	6.30M	12.07M	12.38M	9.17M	18.09M	14.79M	12.73M	14.32M	16.71M	-4.45M	13.44M	22.90M	32.13M	33.92M	27.98M	24.43M	24.33M	44.19M	16.23M	11.01M	7.65M	12.79M	4.16M	2.75M	5.35M	17.00K	4.42M	1.71M	19.21M	6.36M
Diluted EPS	0.25	0.32	0.24	0.27	0.25	0.25	0.33	0.55	0.51	0.47	0.29	0.56	0.47	0.34	0.67	0.55	0.48	0.56	0.66	-0.18	0.56	0.89	1.25	1.32	1.08	0.94	0.93	1.74	0.62	0.43	0.29	0.51	0.14	0.08	0.19	-0.03	0.15	0.04	0.77	0.23

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	-	-	-	-	-	-	-	-	484.20M	417.46M	415.54M	423.83M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	18.75M	54.34M	72.06M	79.88M
Pretax Income	-	-	-	-	-	-	-	-	-	-	137.00M	52.81M	20.47M	32.99M
Tax Provision	-	-	-	-	-	-	-	-	-	-	34.69M	11.73M	4.38M	7.63M
Net Income	10.08M	12.56M	17.73M	29.13M	20.70M	36.22M	51.71M	58.54M	64.02M	-	102.31M	41.08M	16.09M	25.36M
Diluted EPS	2.24	1.39	1.52	1.57	1.10	1.81	2.03	2.25	2.53	-	3.96	1.61	0.54	0.93

Compounded Sales Growth

5 Years:	-4.34%
1 Year:	6.20%

Compounded Profit Growth

5 Years:	-37.18%
1 Year:	-

Stock Price Performance

1 Year:	+23.33%
6 Months:	+27.51%
3 Months:	+27.55%
1 Month:	+6.63%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	301.46M	1.29B	1.45B	1.69B	2.64B	3.50B	4.56B	5.06B	5.94B	5.96B	5.33B	5.35B	5.95B	6.38B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	57.40M	15.78M	85.80M	160.89M	105.28M	114.51M	134.13M	234.94M	197.88M	314.39M	383.18M	408.18M	286.63M	330.12M	248.47M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Total Liabilities	-	-	1.13B	1.21B	1.42B	2.35B	3.11B	3.92B	4.42B	5.21B	5.10B	4.44B	4.48B	5.06B	5.44B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	-	-	-	-	-	-	-	191.86M	27.14M	178.96M	405.42M	142.01M	392.87M
Total Debt	-	-	-	-	-	-	-	-	-	-	-	178.96M	405.42M	142.01M	392.87M
Total Equity	-	-	133.60M	237.51M	268.04M	289.35M	391.70M	636.61M	636.59M	726.78M	858.86M	888.97M	864.40M	890.92M	941.77M
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	28.32M	28.99M	29.12M	29.54M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	-	-	-	-	30.98M	47.27M	73.83M	72.45M	97.33M	-	80.75M	60.01M	58.54M	67.06M
Investing Cash Flow	-	-	-	-	-273.56M	-379.77M	-268.31M	-520.37M	-774.74M	-	666.11M	-129.51M	-590.00M	-525.48M
Financing Cash Flow	-	-	-	-	251.81M	352.11M	295.29M	410.86M	793.92M	-	-721.87M	-52.05M	574.94M	376.77M
Capital Expenditure	-2.75M	-1.40M	-2.75M	-	-	-	-	-	-	-	-17.18M	-43.77M	-87.17M	-35.77M
Free Cash Flow	-	-	-	-	-	-	-	-	-	-	63.58M	16.24M	-28.63M	31.29M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	25.00M	-121.55M	43.48M	-81.65M
Share Buybacks	-	-	161.00K	343.00K	654.00K	366.00K	398.00K	64.52M	35.77M	1.24M	76.71M	81.62M	3.29M	2.23M
Dividends Paid	-	-	-	-	-	-	-	-	1.70M	3.21M	3.21M	3.21M	3.21M	3.21M

Ratios (Annual)

Figures in %.

Metric	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Margin %	-	-	-	-	-	-	-	-	-	-	21.1%	9.8%	3.9%	6.0%
ROE %	-	9.4%	7.5%	10.9%	7.2%	9.2%	8.1%	9.2%	8.8%	-	11.5%	4.8%	1.8%	2.7%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

5.38%

Institutions

103.32%

Public Float

109.19%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	13.90%	3.31M	$235.69M
2	Kayne Anderson Rudnick Investment Management LLC	8.25%	1.96M	$139.98M
3	State Street Corporation	6.10%	1.45M	$103.46M
4	AltraVue Capital, LLC	6.01%	1.43M	$102.01M
5	Thrivent Financial For Lutherans	5.63%	1.34M	$95.43M
6	Vanguard Capital Management LLC	4.20%	998.89K	$71.17M
7	Vanguard Portfolio Management LLC	3.67%	873.58K	$62.24M
8	Dimensional Fund Advisors LP	3.50%	832.15K	$59.29M
9	Barrow, Hanley Mewhinney & Strauss, LLC	3.21%	763.22K	$54.38M
10	Frontier Capital Management Company LLC	2.71%	644.78K	$45.94M

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