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TRIUMPH BANCORP INC (TBK) Stock Fundamental Analysis

NASDAQ:TBK - Nasdaq - US89679E3009 - Common Stock - Currency: USD

58.74  -1.02 (-1.71%)

After market: 58.74 0 (0%)

Fundamental Rating

3

TBK gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 396 industry peers in the Banks industry. Both the profitability and financial health of TBK have multiple concerns. 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

TBK had positive earnings in the past year.
TBK had a positive operating cash flow in the past year.
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

The Return On Assets of TBK (1.97%) is better than 96.59% of its industry peers.
With a Return On Equity value of 12.49%, TBK perfoms like the industry average, 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

TBK's Profit Margin of 22.71% is on the low side compared to the rest of the industry. TBK is outperformed by 79.53% of its industry peers.
In the last couple of years the Profit Margin of TBK has grown nicely.
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.
TBK has more shares outstanding than it did 1 year ago.
TBK has a better debt/assets ratio than last year.
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

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.
Looking at the Debt to FCF ratio, with a value of 1.65, TBK is in line with its industry, 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 has a Debt to Equity ratio (0.17) which is in line with 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

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.
Looking at the last year, TBK shows a quite strong growth in Revenue. The Revenue has grown by 19.14% in the last year.
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

Based on estimates for the next years, TBK will show a decrease in Earnings Per Share. The EPS will decrease by -3.33% on average per year.
Based on estimates for the next years, TBK will show a small growth in Revenue. The Revenue will grow by 5.45% on average per year.
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

A Price/Earnings ratio of 13.63 indicates a correct valuation of TBK.
Based on the Price/Earnings ratio, TBK is valued a bit more expensive than 77.17% of the companies in the same industry.
When comparing the Price/Earnings ratio of TBK to the average of the S&P500 Index (27.69), we can say TBK is valued rather cheaply.
The Price/Forward Earnings ratio is 16.25, which indicates a correct valuation of TBK.
TBK's Price/Forward Earnings ratio is rather expensive when compared to the industry. TBK is more expensive than 80.05% of the companies in the same industry.
TBK is valuated cheaply when we compare the Price/Forward Earnings ratio to 37.36, which is the current average of the S&P500 Index.
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

TBK's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. TBK is more expensive than 74.54% of the companies 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

No dividends for TBK!.
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 Change-0.23%
Ins Owners7.29%
Ins Owner Change0%
Market Cap1.44B
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
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
ROICexcg growth 3YN/A
ROICexcg 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%