TFIN Stock Analysis: Triumph Financial | NYSE
Banks - Regional | NYSE, USA | Market Cap: 1.833m USD | 12M Return: -41.6% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 17.6M
EPS Trend: -56.4%
Qual. Beats: 0
Rev. Trend: 87.8%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Triumph Financial, Inc. (TFIN) is a Dallas-based financial holding company operating a diversified platform that combines traditional banking with specialized finance, payments, and data services for the U.S. over-the-road trucking industry. It was incorporated in 2003, completed its IPO in November 2014, and rebranded from Triumph Bancorp to Triumph Financial in December 2022 to reflect its expansion beyond core banking.
The banking arm offers standard deposit products (checking, savings, money market, and certificates of deposit) alongside a broad lending portfolio that includes commercial real estate, construction, land development, residential real estate, agriculture, consumer, commercial and industrial, equipment, asset-based, working capital, and liquid credit loans. Supporting services include electronic banking, debit cards, insurance brokerage, and mortgage warehouse facilities.
Triumphs transportation-finance franchise is a key differentiator from a typical regional bank: it provides factoring of carrier receivables (a short-term working-capital product common in freight), the LoadPay digital bank account built for carriers, and payment, audit, and performance-scoring tools for trucking operators. The company is classified in the GICS Regional Banks sub-industry within Financials.
- TriumphPay payments volume scales in trucking industry
- Net interest margin expands on higher asset yields
- Credit quality in transportation and commercial real estate loans
- Capital allocation through share repurchases and organic growth
| 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: -907.9% < 20% (prev -891.3%; Δ -16.51% < -1%) |
| CFO/TA 0.01 > 3% & CFO 75.1m > Net Income 31.7m |
| Net Debt (-260.9m) to EBITDA (68.9m): -3.79 < 3 |
| Current Ratio: 0.08 > 1.5 & < 3 |
| Outstanding Shares: last quarter (24.0m) vs 12m ago 2.88% < -2% |
| Gross Margin: 88.27% > 18% (prev 82.06%; Δ 6.20% > 0.5%) |
| Asset Turnover: 7.62% > 50% (prev 7.82%; Δ -0.20% > 0%) |
| Interest Coverage Ratio: 0.37 > 6 (EBIT TTM 43.1m / Interest Expense TTM 117.8m) |
| A: -0.66 (Total Current Assets 403.9m - Total Current Liabilities 4.95b) / 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: 0.16 (Book Value of Equity 950.7m / Total Liabilities 5.93b) |
| Altman-Z'' = -3.85 = D |
As of July 08, 2026, the stock is trading at USD 77.41 with a total of 220,771 shares traded. Over the past week, the price has changed by -1.34%, over one month by +17.48%, over three months by -39.02% and over the past year by -41.59%.
Current recommended Stop Loss: 74.20 (which is 4.1% or 1.3 ATR below the current price).
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 | 71.2 | -8% |
P/E Trailing = 64.7143
P/E Forward = 10.5485
P/S = 4.1476
P/B = 2.0846
P/EG = 1.6219
Revenue TTM = 500.8m USD
EBIT TTM = 43.1m USD
EBITDA TTM = 68.9m 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 = 1.57b USD (1.83b + Debt 143.1m - CCE 403.9m)
Interest Coverage Ratio = 0.37 (Ebit TTM 43.1m / Interest Expense TTM 117.8m)
EV/FCF = 27.40x (Enterprise Value 1.57b / FCF TTM 57.4m)
FCF Yield = 3.65% (FCF TTM 57.4m / Enterprise Value 1.57b)
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 = 0.23 (Enterprise Value 1.57b / Total Assets 6.88b)
Interest Expense / Debt = 82.34% (Interest Expense 117.8m / Debt 143.1m)
Taxrate = 22.82% (9.37m / 41.1m)
NOPAT = 33.3m (EBIT 43.1m * (1 - 22.82%))
Current Ratio = 0.08 (Total Current Assets 403.9m / Total Current Liabilities 4.95b)
Debt / Equity = 0.15 (Debt 143.1m / totalStockholderEquity, last quarter 950.7m)
Debt / EBITDA = -3.79 (Net Debt -260.9m / EBITDA 68.9m)
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 = 1.75% (NOPAT 33.3m / Invested Capital 1.90b)
WACC = 9.43% (E(1.83b)/V(1.98b) * Re(10.17%) + (debt cost/tax rate unavailable))
Discount Rate = 10.17% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 77.78 | Cagr: 1.64%
[DCF] Terminal Value 74.54% ; FCFF base≈46.3m ; Y1≈53.1m ; Y5≈78.2m
[DCF] Fair Price = 52.45 (EV 987.9m - Net Debt -260.9m = Equity 1.25b / Shares 23.8m; r=9.43% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: -56.38 | EPS CAGR: -31.18% | SUE: 0.37 | # QB: 0
Revenue Correlation: 87.75 | Revenue CAGR: 2.45% | SUE: 0.48 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.42 | Chg30d=+4.32% | Revisions=+25% | Analysts=4
EPS next Quarter (2026-09-30): EPS=0.55 | Chg30d=+6.31% | Revisions=+25% | Analysts=4
EPS current Year (2026-12-31): EPS=1.83 | Chg30d=+4.87% | Revisions=+40% | GrowthEPS=+210.6% | GrowthRev=+4.2%
EPS next Year (2027-12-31): EPS=2.78 | Chg30d=+5.91% | Revisions=-29% | GrowthEPS=+51.8% | GrowthRev=+10.8%
[Analyst] Revisions Ratio: +18% (up=5, down=3)