TRIUMPH BANCORP INC (TBK)
US89679E3009 - Common Stock
TBK gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 411 industry peers in the Banks industry. TBK has a medium profitability rating, but doesn't score so well on its financial health evaluation. While showing a medium growth rate, TBK is valued expensive at the moment.
1. Profitability
1.1 Basic Checks
In the past year TBK was profitable.
TBK had a positive operating cash flow in the past year.
In the past 5 years TBK has always been profitable.
Each year in the past 5 years TBK had a positive operating cash flow.
1.2 Ratios
With an excellent Return On Assets value of 1.97%, TBK belongs to the best of the industry, outperforming 96.59% of the companies in the same industry.
TBK has a Return On Equity (12.49%) which is comparable to the rest of the industry.
| Industry Rank | Sector 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
1.3 Margins
TBK has a Profit Margin of 22.71%. This is in the lower half of the industry: TBK underperforms 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 Rank | Sector 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
2. Health
2.1 Basic Checks
TBK does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for TBK has been increased compared to 1 year ago.
The debt/assets ratio for TBK has been reduced compared to a year ago.
2.2 Solvency
TBK has a debt to FCF ratio of 1.65. This is a very positive value and a sign of high solvency as it would only need 1.65 years to pay back of all of its debts.
TBK has a Debt to FCF ratio (1.65) which is comparable to the rest of the industry.
A Debt/Equity ratio of 0.17 indicates that TBK is not too dependend on debt financing.
TBK has a Debt to Equity ratio of 0.17. This is comparable to the rest of the industry: TBK outperforms 49.08% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.17 | ||
| Debt/FCF | 1.65 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.77%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for TBK have decreased by -6.10% in the last year.
TBK shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 30.09% yearly.
TBK shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 19.14%.
TBK shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 26.00% yearly.
EPS 1Y (TTM)-6.1%
EPS 3Y28.81%
EPS 5Y30.09%
EPS growth Q2Q-34.04%
Revenue 1Y (TTM)19.14%
Revenue growth 3Y19.2%
Revenue growth 5Y26%
Revenue growth Q2Q6.77%
3.2 Future
TBK is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -3.33% yearly.
TBK is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.45% yearly.
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 13.63, the valuation of TBK can be described as correct.
TBK's Price/Earnings ratio is a bit more expensive when compared to the industry. TBK is more expensive than 77.17% of the companies in the same industry.
TBK's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.83.
TBK is valuated correctly with a Price/Forward Earnings ratio of 16.25.
Based on the Price/Forward Earnings ratio, TBK is valued expensively inside the industry as 80.05% of the companies are valued cheaper.
The average S&P500 Price/Forward Earnings ratio is at 20.47. TBK is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.63 | ||
| Fwd PE | 16.25 |
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 Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.65 | ||
| EV/EBITDA | N/A |
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%
5. Dividend
5.1 Amount
TBK does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
TRIUMPH BANCORP INC
NASDAQ:TBK (12/1/2022, 7:04:40 PM)
After market: 58.74 0 (0%)58.74
-1.02 (-1.71%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap1.44B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.63 | ||
| Fwd PE | 16.25 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)0.45
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.97% | ||
| ROE | 12.49% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 22.71% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.09
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.17 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-6.1%
EPS 3Y28.81%
EPS 5Y
EPS growth Q2Q
EPS Next Y-0.66%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)19.14%
Revenue growth 3Y19.2%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y