(TFIN) Triumph Financial - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NYSE (USA) | Market Cap: 1.506m USD | Total Return: 15.1% in 12m
Avg Turnover: 16.2M
EPS Trend: -56.3%
Qual. Beats: 0
Rev. Trend: 87.8%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Confidence
Triumph Financial, Inc. (TFIN) is a Dallas-based financial holding company that operates a diversified model combining traditional regional banking with specialized fintech solutions for the transportation sector. The company provides standard deposit and loan products, including commercial real estate, agricultural, and consumer lending, alongside insurance brokerage and mortgage warehouse facilities.
A primary differentiator for TFIN is its focus on the over-the-road trucking industry through its factoring and payments segments. Factoring is a common financial practice in logistics where businesses sell their accounts receivable to a third party at a discount to improve immediate cash flow. TFIN leverages this through its TriumphPay and LoadPay platforms, which integrate payment processing, audit services, and performance benchmarking specifically for carriers and brokers.
Investors can further evaluate these specialized revenue streams and banking fundamentals by reviewing the data available on ValueRay. Originally incorporated in 2003 as Triumph Bancorp, the firm rebranded in 2022 to reflect its expanding role in financial technology and digital payment infrastructure within the domestic supply chain.
- TriumphPay transaction volume growth drives payments network monetization
- Freight market cycle volatility directly impacts factoring revenue and margins
- Net interest margin sensitivity shifts with federal interest rate adjustments
- Adoption of digital payment tools among carriers scales platform network effects
- Credit quality stability within commercial real estate and transportation loan portfolios
| Net Income: 31.7m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.36 > 1.0 |
| NWC/Revenue: 80.66% < 20% (prev -891.3%; Δ 972.0% < -1%) |
| CFO/TA 0.01 > 3% & CFO 75.1m > Net Income 31.7m |
| Net Debt (-260.9m) to EBITDA (80.7m): -3.23 < 3 |
| Current Ratio: error (cannot be calculated; needs correct Total Current Assets and Liabilities) |
| Outstanding Shares: last quarter (24.0m) vs 12m ago 2.88% < -2% |
| Gross Margin: 88.27% > 18% (prev 0.82%; Δ 8.74k% > 0.5%) |
| Asset Turnover: 7.62% > 50% (prev 7.82%; Δ -0.20% > 0%) |
| Interest Coverage Ratio: 0.37 > 6 (EBITDA TTM 80.7m / Interest Expense TTM 117.8m) |
| A: 0.06 (Total Current Assets 403.9m - Total Current Liabilities 0.0) / Total Assets 6.88b |
| B: 0.08 (Retained Earnings 576.9m / Total Assets 6.88b) |
| C: 0.01 (EBIT TTM 43.1m / Avg Total Assets 6.57b) |
| D: 0.10 (Book Value of Equity 574.6m / Total Liabilities 5.93b) |
| Altman-Z'' = 0.80 = B |
As of May 24, 2026, the stock is trading at USD 66.66 with a total of 152,330 shares traded.
Over the past week, the price has changed by +8.39%,
over one month by +6.12%,
over three months by +17.30% and
over the past year by +15.08%.
Triumph Financial has received a consensus analysts rating of 3.00. Therefore, it is recommended to hold TFIN.
- StrongBuy: 0
- Buy: 0
- Hold: 5
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 68.8 | 3.2% |
P/E Forward = 10.5485
P/S = 3.4071
P/B = 1.7484
P/EG = 1.6219
Revenue TTM = 500.8m USD
EBIT TTM = 43.1m USD
EBITDA TTM = 80.7m USD
Long Term Debt = 143.1m USD (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = 143.1m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -260.9m USD (calculated: Debt 143.1m - CCE 403.9m)
Enterprise Value = 1.25b USD (1.51b + Debt 143.1m - CCE 403.9m)
Interest Coverage Ratio = 0.37 (Ebit TTM 43.1m / Interest Expense TTM 117.8m)
EV/FCF = 21.70x (Enterprise Value 1.25b / FCF TTM 57.4m)
FCF Yield = 4.61% (FCF TTM 57.4m / Enterprise Value 1.25b)
FCF Margin = 11.46% (FCF TTM 57.4m / Revenue TTM 500.8m)
Net Margin = 6.33% (Net Income TTM 31.7m / Revenue TTM 500.8m)
Gross Margin = 88.27% ((Revenue TTM 500.8m - Cost of Revenue TTM 58.8m) / Revenue TTM)
Gross Margin QoQ = 86.89% (prev 86.76%)
Tobins Q-Ratio = 0.18 (Enterprise Value 1.25b / Total Assets 6.88b)
Interest Expense / Debt = 82.34% (Interest Expense 117.8m / Debt 143.1m)
Taxrate = 22.00% (1.79m / 8.15m)
NOPAT = 33.6m (EBIT 43.1m * (1 - 22.00%))
Current Ratio = unknown (Total Current Assets 403.9m / Total Current Liabilities 0.0)
Debt / Equity = 0.15 (Debt 143.1m / totalStockholderEquity, last quarter 950.7m)
Debt / EBITDA = -3.23 (Net Debt -260.9m / EBITDA 80.7m)
Debt / FCF = -4.55 (Net Debt -260.9m / FCF TTM 57.4m)
Total Stockholder Equity = 931.1m (last 4 quarters mean from totalStockholderEquity)
RoA = 0.48% (Net Income 31.7m / Total Assets 6.88b)
RoE = 3.40% (Net Income TTM 31.7m / Total Stockholder Equity 931.1m)
RoCE = 4.01% (EBIT 43.1m / Capital Employed (Equity 931.1m + L.T.Debt 143.1m))
RoIC = 0.67% (EBIT 43.1m / (Assets 6.88b - Curr.Liab 0.0 - Cash 403.9m))
WACC = 9.94% (E(1.51b)/V(1.65b) * Re(10.88%) + (debt cost/tax rate unavailable))
Discount Rate = 10.88% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 77.78 | Cagr: 1.64%
[DCF] Terminal Value 73.01% ; FCFF base≈46.3m ; Y1≈53.1m ; Y5≈78.2m
[DCF] Fair Price = 49.57 (EV 919.2m - Net Debt -260.9m = Equity 1.18b / Shares 23.8m; r=9.94% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: -56.28 | EPS CAGR: -31.13% | SUE: 0.36 | # QB: 0
Revenue Correlation: 87.75 | Revenue CAGR: 2.45% | SUE: 0.48 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.41 | Chg30d=+32.05% | Revisions=+20% | Analysts=4
EPS next Quarter (2026-09-30): EPS=0.52 | Chg30d=+8.03% | Revisions=+20% | Analysts=4
EPS current Year (2026-12-31): EPS=1.75 | Chg30d=+13.31% | Revisions=+33% | GrowthEPS=+196.2% | GrowthRev=+3.6%
EPS next Year (2027-12-31): EPS=2.62 | Chg30d=+2.64% | Revisions=-25% | GrowthEPS=+50.3% | GrowthRev=+10.4%
[Analyst] Revisions Ratio: +33%