A Business at a Glance
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Triumph Financial, Inc.
TFIN
$1.8B
Mkt Cap
$76.91
-3.75%
Triumph Financial, Inc. (TFIN) has a current P/E ratio of 82.7, compared to its historical median P/E of 19.5. The stock is currently considered Expensive based on its historical valuation range.
Triumph Financial, Inc. (TFIN) has a 5-year average return on invested capital (ROIC) of 6.3%. This is below average and may indicate limited pricing power.
Triumph Financial, Inc. (TFIN) has a market capitalization of $1.8B. It is classified as a small-cap stock.
Yes, Triumph Financial, Inc. (TFIN) pays a dividend with a trailing twelve-month yield of 0.18%. The company also returns capital through share buybacks, with a buyback yield of 0.12%.
Based on historical P/E analysis, Triumph Financial, Inc. (TFIN) appears expensive. The current P/E of 82.7 is 324% above its historical median of 19.5. The estimated fair value CAGR (P/E method) is -13.9%.
Triumph Financial, Inc. (TFIN) operates in the State Commercial Banks industry, within the Financials sector.
Triumph Financial, Inc. (TFIN) reported annual revenue of $519 million in its most recent fiscal year, based on SEC EDGAR filings.
Triumph Financial, Inc. (“we,” “Triumph Financial” or the “Company”) is a financial holding company headquartered in Dallas, Texas and registered under the Bank Holding Company Act of 1956, as amended (the “BHC Act”). We offer a diversified line of banking, factoring, payments, and intelligence services. At December 31, 2025, our business is primarily focused on providing financial services to participants in the for-hire trucking ecosystem in the United States, including Brokers, Shippers, Factors and Carriers. Within such ecosystem we operate our payments platform which connects such parties to streamline and optimize the presentment, audit and payment of transportation invoices, and we act as capital provider to the Carrier industry through our factoring business. We also offer data services through our Intelligence offerings.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 443M | 519M | 488M | 473M | 503M | 442M |
| Net Income | 28M | 22M | 13M | 38M | 99M | 110M |
| EPS | $1.20 | $0.93 | $0.54 | $1.61 | $3.96 | $4.35 |
| Free Cash Flow | 73M | 67M | 56M | 57M | 81M | 137M |
| ROIC | 3.0% | 2.4% | 1.5% | 4.3% | 11.2% | 12.2% |
| Gross Margin | - | 87.6% | 88.4% | 88.3% | 96.2% | 93.8% |
| Debt/Equity | 0.00 | 0.24 | 0.26 | 0.26 | 0.00 | 0.06 |
| Dividends/Share | $0.13 | $0.13 | $0.13 | $0.14 | $0.13 | $0.13 |
| Operating Income | 3.2M | 5.5M | 8.8M | 53M | 19M | 12M |
| Operating Margin | 0.7% | 1.1% | 1.8% | 11.2% | 3.8% | 2.8% |
| ROE | 3.0% | 2.4% | 1.5% | 4.3% | 11.3% | 13.8% |
| Shares Outstanding | 24M | 24M | 24M | 24M | 25M | 25M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 112M | 132M | 145M | 218M | 286M | 343M | 383M | 442M | 503M | 473M | 488M | 519M | 443M |
| Gross Margin | 88.7% | 90.4% | 87.1% | 84.8% | 81.8% | 81.6% | 80.2% | 93.8% | 96.2% | 88.3% | 88.4% | 87.6% | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 42M | 50M | 55M | 73M | 90M | 113M | 127M | 174M | 201M | 211M | 220M | 234M | 233M |
| EBIT | 3.2M | 3.6M | 6.2M | 5.4M | 67M | 5.5M | 22M | 12M | 19M | 53M | 8.8M | 5.5M | 3.2M |
| Op. Margin | 2.9% | 2.7% | 4.2% | 2.5% | 23.3% | 1.6% | 5.7% | 2.8% | 3.8% | 11.2% | 1.8% | 1.1% | 0.7% |
| Net Income | 17M | 28M | 20M | 35M | 51M | 59M | 62M | 110M | 99M | 38M | 13M | 22M | 28M |
| Net Margin | 15.1% | 21.5% | 13.6% | 16.3% | 17.9% | 17.1% | 16.3% | 24.8% | 19.7% | 8.0% | 2.6% | 4.3% | 6.4% |
| Non-Recurring | 13M | 0 | 0 | 0 | 0 | 0 | 4.5M | 0 | 0 | 49K | 28K | 18M | 18M |
| Returns on Capital | |||||||||||||
| ROIC | 9.1% | 11.2% | 6.5% | 9.7% | 9.9% | 8.9% | 7.8% | 12.2% | 11.2% | 4.3% | 1.5% | 2.4% | 3.0% |
| ROE | 9.1% | 11.2% | 7.1% | 10.4% | 9.9% | 9.2% | 9.1% | 13.8% | 11.3% | 4.3% | 1.5% | 2.4% | 3.0% |
| ROA | 1.2% | 1.8% | 0.9% | 1.2% | 1.3% | 1.2% | 1.1% | 1.8% | 1.8% | 0.7% | 0.2% | 0.4% | 0.4% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 20M | 25M | 31M | 47M | 74M | 72M | 97M | 137M | 81M | 60M | 59M | 67M | 75M |
| Free Cash Flow | 17M | 25M | 31M | 47M | 74M | 72M | 97M | 137M | 81M | 57M | 56M | 67M | 73M |
| Owner Earnings | 14M | 17M | 21M | 34M | 54M | 48M | 62M | 94M | 34M | 22M | 17M | 27M | -15M |
| CapEx | 2.7M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3.0M | 2.9M | 124K | 1.7M |
| Maint. CapEx | 3.3M | 5.5M | 7.8M | 11M | 17M | 21M | 31M | 23M | 25M | 25M | 28M | 26M | 75M |
| Growth CapEx | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | 0 | 0 | 0 |
| D&A | 3.3M | 5.5M | 7.8M | 11M | 17M | 21M | 31M | 23M | 25M | 25M | 28M | 26M | 75M |
| CapEx/OCF | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 2.3% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 0 | 780K | 887K | 774K | 578K | 0 | 1.7M | 3.2M | 3.2M | 3.2M | 3.2M | 3.2M | 3.2M |
| Dividend Yield | N/A | 0.3% | 0.3% | 0.1% | 0.1% | N/A | 0.2% | 0.1% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% |
| Share Buybacks | 161K | 343K | 654K | 366K | 398K | 65M | 36M | 1.2M | 77M | 82M | 3.3M | 2.2M | 2.2M |
| Buyback Yield | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 6.5% | 2.9% | 0.0% | 6.4% | 4.3% | 0.2% | 0.1% | 0.1% |
| Stock-Based Comp | 2.7M | 3.1M | 2.4M | 1.8M | 2.7M | 3.7M | 4.6M | 20M | 21M | 13M | 15M | 14M | 15M |
| Debt Repayment | 18M | 0 | 0 | 0 | 0 | 0 | 40M | 441M | 27M | 0 | 40M | 0 | 0 |
| Balance Sheet | |||||||||||||
| Net Debt | -340M | -168M | 57M | -247M | -434M | -408M | -155M | -329M | -408M | -59M | -103M | -21M | -582M |
| Cash & Equiv. | 161M | 105M | 115M | 134M | 235M | 198M | 314M | 383M | 408M | 287M | 330M | 248M | 582M |
| Long-Term Debt | 584K | N/A | 49M | N/A | 0 | 38M | 192M | 27M | N/A | N/A | N/A | N/A | N/A |
| Debt/Equity | -0.07 | 0.37 | 0.59 | 0.35 | 0.22 | 0.06 | 0.53 | 0.06 | 0.00 | 0.26 | 0.26 | 0.24 | 0.00 |
| Interest Coverage | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.1 |
| Equity | 238M | 268M | 289M | 392M | 637M | 637M | 727M | 859M | 889M | 864M | 891M | 942M | 951M |
| Total Assets | 1.4B | 1.7B | 2.6B | 3.5B | 4.6B | 5.1B | 5.9B | 6.0B | 5.3B | 5.3B | 5.9B | 6.4B | 6.9B |
| Total Liabilities | 1.2B | 1.4B | 2.4B | 3.1B | 3.9B | 4.4B | 5.2B | 5.1B | 4.4B | 4.5B | 5.1B | 5.4B | 5.9B |
| Intangibles | 13M | 12M | 18M | 20M | 41M | 32M | 27M | 43M | 32M | 24M | 16M | 48M | 45M |
| Retained Earnings | 36M | 64M | 84M | 119M | 170M | 229M | 290M | 399M | 498M | 536M | 549M | 571M | 577M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | |||||||||||||
| EPS | 1.52 | 1.57 | 1.10 | 1.81 | 2.03 | 2.25 | 2.53 | 4.35 | 3.96 | 1.61 | 0.54 | 0.93 | 1.20 |
| Owner EPS | 1.22 | 0.93 | 1.16 | 1.74 | 2.16 | 1.84 | 2.51 | 3.71 | 1.37 | 0.92 | 0.69 | 1.12 | -0.62 |
| Book Value | 21.30 | 14.84 | 16.06 | 20.00 | 25.28 | 24.47 | 29.50 | 34.04 | 35.52 | 36.74 | 37.34 | 39.54 | 39.94 |
| Cash Flow/Share | 1.76 | 1.40 | 1.72 | 2.41 | 2.93 | 2.78 | 3.95 | 5.43 | 3.23 | 2.55 | 2.45 | 2.82 | 4.36 |
| Dividends/Share | N/A | 0.04 | 0.05 | 0.04 | 0.02 | 0.00 | 0.07 | 0.13 | 0.13 | 0.14 | 0.13 | 0.13 | 0.13 |
| Shares Out. | 11.2M | 18.1M | 18.0M | 19.6M | 25.2M | 26.0M | 24.6M | 25.2M | 25.0M | 23.5M | 23.9M | 23.8M | 23.8M |
| Valuation | |||||||||||||
| P/E Ratio | 9.2 | 10.7 | 23.2 | 17.5 | 14.6 | 17.1 | 19.5 | 27.3 | 12.1 | 50.2 | 168.4 | 68.9 | 64.2 |
| P/FCF | 9.2 | 12.0 | 14.8 | 13.1 | 10.1 | 13.8 | 12.5 | 21.9 | 14.9 | 33.4 | 39.0 | 22.8 | 25.0 |
| EV/EBIT | N/A | N/A | N/A | N/A | N/A | 100.5 | 48.5 | 204.2 | N/A | N/A | N/A | N/A | 384.8 |
| Price/Book | 0.7 | 1.1 | 1.6 | 1.6 | 1.2 | 1.6 | 1.7 | 3.5 | 1.4 | 2.2 | 2.4 | 1.6 | 1.9 |
| Price/Sales | 1.4 | 2.1 | 2.3 | 2.7 | 3.9 | 2.8 | 2.3 | 5.2 | 3.8 | 3.4 | 4.7 | 3.3 | 4.1 |
| FCF Yield | 10.9% | 8.3% | 6.7% | 7.6% | 9.9% | 7.3% | 8.0% | 4.6% | 6.7% | 3.0% | 2.6% | 4.4% | 4.0% |
| Market Cap | 156M | 304M | 459M | 619M | 746M | 999M | 1.2B | 3.0B | 1.2B | 1.9B | 2.2B | 1.5B | 1.8B |
| Avg. Price | 13.62 | 14.37 | 17.36 | 27.30 | 39.09 | 31.37 | 32.75 | 87.90 | 73.07 | 61.30 | 81.66 | 60.94 | 76.91 |
| Year-End Price | 13.98 | 16.86 | 25.50 | 31.60 | 29.62 | 38.39 | 49.32 | 118.62 | 48.04 | 80.89 | 90.94 | 64.04 | 76.91 |
Triumph Financial, Inc. passes 3 of 9 quality checks, indicating weak fundamentals.
Triumph Financial, Inc. trades at 82.7x trailing earnings, compared to its 15-year median P/E of 19.5x, suggesting it is currently Expensive relative to its historical range. On a free-cash-flow basis, the stock trades at 27.3x vs a median of 14.9x. The company's 5-year average ROIC is 6.3% with a gross margin of 90.9%. Total shareholder yield (dividends + buybacks) is 0.3%. At current prices, the estimated annualized return to fair value is -4.4%.
Triumph Financial, Inc. (TFIN) has a net profit margin of 4.3%. This is a modest margin.
Triumph Financial, Inc. (TFIN) generated $67 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
Triumph Financial, Inc. (TFIN) has a debt-to-equity ratio of 0.24. This indicates a conservatively financed balance sheet.
Triumph Financial, Inc. (TFIN) reported earnings per share (EPS) of $0.93 in its most recent fiscal year.
Triumph Financial, Inc. (TFIN) has a return on equity (ROE) of 2.4%. This indicates moderate shareholder returns.
Triumph Financial, Inc. (TFIN) has a 5-year average gross margin of 90.9%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 14 years of financial data for Triumph Financial, Inc. (TFIN), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
Triumph Financial, Inc. (TFIN) has a book value per share of $39.54, based on its most recent annual SEC filing.