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TRIUMPH BANCORP INC (TBK) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:TBK - US89679E3009 - Common Stock

58.74 USD
-1.02 (-1.71%)
Last: 12/1/2022, 8:04:40 PM
58.74 USD
0 (0%)
After Hours: 12/1/2022, 8:04:40 PM
Fundamental Rating

3

Overall TBK gets a fundamental rating of 3 out of 10. We evaluated TBK against 387 industry peers in the Banks industry. TBK has a bad profitability rating. Also its financial health evaluation is rather negative. TBK is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year TBK was profitable.
In the past year TBK had a positive cash flow from operations.
TBK Yearly Net Income VS EBIT VS OCF VS FCFTBK Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 20M 40M 60M 80M 100M

1.2 Ratios

TBK has a better Return On Assets (1.97%) than 96.59% of its industry peers.
Looking at the Return On Equity, with a value of 12.49%, TBK is in line with its industry, outperforming 50.39% of the companies in the same industry.
Industry RankSector Rank
ROA 1.97%
ROE 12.49%
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
TBK Yearly ROA, ROE, ROICTBK Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2 4 6 8 10

1.3 Margins

The Profit Margin of TBK (22.71%) is worse than 79.53% of its industry peers.
TBK's Profit Margin has improved in the last couple of years.
TBK does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 22.71%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y8.87%
PM growth 5Y11.45%
GM growth 3YN/A
GM growth 5YN/A
TBK Yearly Profit, Operating, Gross MarginsTBK Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 5 10 15 20 25

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2

2. Health

2.1 Basic Checks

TBK does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, TBK has more shares outstanding
The debt/assets ratio for TBK has been reduced compared to a year ago.
TBK Yearly Shares OutstandingTBK Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 5M 10M 15M 20M 25M
TBK Yearly Total Debt VS Total AssetsTBK Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 1B 2B 3B 4B 5B

2.2 Solvency

The Debt to FCF ratio of TBK is 1.65, which is an excellent value as it means it would take TBK, only 1.65 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 1.65, TBK perfoms like the industry average, outperforming 53.81% of the companies in the same industry.
TBK has a Debt/Equity ratio of 0.17. This is a healthy value indicating a solid balance between debt and equity.
TBK's Debt to Equity ratio of 0.17 is in line compared to the rest of the industry. TBK outperforms 49.08% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF 1.65
Altman-Z N/A
ROIC/WACCN/A
WACC7.77%
TBK Yearly LT Debt VS Equity VS FCFTBK Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 200M 400M 600M 800M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

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5

3. Growth

3.1 Past

TBK shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -6.10%.
Measured over the past years, TBK shows a very strong growth in Earnings Per Share. The EPS has been growing by 30.09% on average per year.
TBK shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 19.14%.
The Revenue has been growing by 26.00% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)-6.1%
EPS 3Y28.81%
EPS 5Y30.09%
EPS Q2Q%-34.04%
Revenue 1Y (TTM)19.14%
Revenue growth 3Y19.2%
Revenue growth 5Y26%
Sales Q2Q%6.77%

3.2 Future

The Earnings Per Share is expected to decrease by -3.33% on average over the next years.
The Revenue is expected to grow by 5.45% on average over the next years.
EPS Next Y-0.66%
EPS Next 2Y-8.95%
EPS Next 3Y-3.04%
EPS Next 5Y-3.33%
Revenue Next Year10.19%
Revenue Next 2Y5.57%
Revenue Next 3Y7.88%
Revenue Next 5Y5.45%

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
TBK Yearly Revenue VS EstimatesTBK Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 100M 200M 300M 400M 500M
TBK Yearly EPS VS EstimatesTBK Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3 4

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2

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 13.63, TBK is valued correctly.
Compared to the rest of the industry, the Price/Earnings ratio of TBK indicates a slightly more expensive valuation: TBK is more expensive than 77.17% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of TBK to the average of the S&P500 Index (26.15), we can say TBK is valued slightly cheaper.
Based on the Price/Forward Earnings ratio of 16.25, the valuation of TBK can be described as correct.
Based on the Price/Forward Earnings ratio, TBK is valued more expensive than 80.05% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 36.12. TBK is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 13.63
Fwd PE 16.25
TBK Price Earnings VS Forward Price EarningsTBK Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of TBK indicates a slightly more expensive valuation: TBK is more expensive than 74.54% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 14.65
EV/EBITDA N/A
TBK Per share dataTBK EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

A cheap valuation may be justified as TBK's earnings are expected to decrease with -3.04% in the coming years.
PEG (NY)N/A
PEG (5Y)0.45
EPS Next 2Y-8.95%
EPS Next 3Y-3.04%

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0

5. Dividend

5.1 Amount

TBK does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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TRIUMPH BANCORP INC

NASDAQ:TBK (12/1/2022, 8:04:40 PM)

After market: 58.74 0 (0%)

58.74

-1.02 (-1.71%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-19 2022-10-19/amc
Earnings (Next)01-18 2023-01-18
Inst Owners82.66%
Inst Owner Change6.36%
Ins Owners7.29%
Ins Owner Change0%
Market Cap1.44B
Revenue(TTM)490.13M
Net Income(TTM)111.32M
Analysts72
Price Target64.94 (10.55%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP2.88%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)37.3%
Min EPS beat(2)-22.13%
Max EPS beat(2)96.73%
EPS beat(4)2
Avg EPS beat(4)17.26%
Min EPS beat(4)-22.13%
Max EPS beat(4)96.73%
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)12.93%
Min Revenue beat(2)-3.25%
Max Revenue beat(2)29.1%
Revenue beat(4)2
Avg Revenue beat(4)6.76%
Min Revenue beat(4)-4.57%
Max Revenue beat(4)29.1%
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)N/A
EPS NQ rev (1m)0%
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 13.63
Fwd PE 16.25
P/S 2.93
P/FCF 14.65
P/OCF 12.93
P/B 1.61
P/tB 2.49
EV/EBITDA N/A
EPS(TTM)4.31
EY7.34%
EPS(NY)3.61
Fwd EY6.15%
FCF(TTM)4.01
FCFY6.83%
OCF(TTM)4.54
OCFY7.73%
SpS20.02
BVpS36.41
TBVpS23.6
PEG (NY)N/A
PEG (5Y)0.45
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA 1.97%
ROE 12.49%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 22.71%
GM N/A
FCFM N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y8.87%
PM growth 5Y11.45%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.09
Health
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF 1.65
Debt/EBITDA N/A
Cap/Depr 51.54%
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 88.18%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC7.77%
ROIC/WACCN/A
Cap/Depr(3y)93.12%
Cap/Depr(5y)102.87%
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)106.85%
Profit Quality(5y)107.1%
High Growth Momentum
Growth
EPS 1Y (TTM)-6.1%
EPS 3Y28.81%
EPS 5Y30.09%
EPS Q2Q%-34.04%
EPS Next Y-0.66%
EPS Next 2Y-8.95%
EPS Next 3Y-3.04%
EPS Next 5Y-3.33%
Revenue 1Y (TTM)19.14%
Revenue growth 3Y19.2%
Revenue growth 5Y26%
Sales Q2Q%6.77%
Revenue Next Year10.19%
Revenue Next 2Y5.57%
Revenue Next 3Y7.88%
Revenue Next 5Y5.45%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y102.81%
FCF growth 3Y30.63%
FCF growth 5Y35.64%
OCF growth 1Y45.72%
OCF growth 3Y22.9%
OCF growth 5Y34.61%

TRIUMPH BANCORP INC / TBK FAQ

What is the fundamental rating for TBK stock?

ChartMill assigns a fundamental rating of 3 / 10 to TBK.


What is the valuation status of TRIUMPH BANCORP INC (TBK) stock?

ChartMill assigns a valuation rating of 4 / 10 to TRIUMPH BANCORP INC (TBK). This can be considered as Fairly Valued.


What is the profitability of TBK stock?

TRIUMPH BANCORP INC (TBK) has a profitability rating of 4 / 10.


Can you provide the financial health for TBK stock?

The financial health rating of TRIUMPH BANCORP INC (TBK) is 2 / 10.


What is the earnings growth outlook for TRIUMPH BANCORP INC?

The Earnings per Share (EPS) of TRIUMPH BANCORP INC (TBK) is expected to decline by -0.66% in the next year.