TRIUMPH BANCORP INC (TBK) Fundamental Analysis & Valuation

NASDAQ:TBK • US89679E3009

Current stock price

58.74 USD
-1.02 (-1.71%)
At close:
58.74 USD
0 (0%)
After Hours:

This TBK fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. TBK Profitability Analysis

1.1 Basic Checks

  • TBK had positive earnings in the past year.
  • 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 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.
  • TBK has a Return On Equity (12.49%) which is in line with its industry peers.
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 2016 2017 2018 2019 2020 2021 2 4 6 8 10

1.3 Margins

  • TBK has a worse Profit Margin (22.71%) than 79.53% of its industry peers.
  • TBK's Profit Margin has improved in the last couple of years.
  • The Operating Margin and Gross Margin are not available for TBK so they could not be analyzed.
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 2016 2017 2018 2019 2020 2021 5 10 15 20 25

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2

2. TBK Health Analysis

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.
  • TBK has a better debt/assets ratio than last year.
TBK Yearly Shares OutstandingTBK Yearly Shares OutstandingYearly Shares Outstanding 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 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.
  • The Debt to FCF ratio of TBK (1.65) is comparable to the rest of the 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 of 0.17. This is comparable 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 2016 2017 2018 2019 2020 2021 200M 400M 600M 800M

2.3 Liquidity

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

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. TBK Growth Analysis

3.1 Past

  • TBK shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -6.10%.
  • The Earnings Per Share has been growing by 30.09% on average over the past years. This is a very strong growth
  • Looking at the last year, TBK shows a quite strong growth in Revenue. The Revenue has grown by 19.14% in the last year.
  • Measured over the past years, TBK shows a very strong growth in Revenue. The Revenue has been growing by 26.00% on average per year.
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.
  • 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

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • 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.
TBK Yearly Revenue VS EstimatesTBK Yearly Revenue VS EstimatesYearly Revenue VS Estimates 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3 4

More info and screens

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2

4. TBK Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 13.63, which indicates a correct valuation of TBK.
  • 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.
  • Compared to an average S&P500 Price/Earnings ratio of 27.47, TBK is valued rather cheaply.
  • A Price/Forward Earnings ratio of 16.25 indicates a correct valuation of TBK.
  • Based on the Price/Forward Earnings ratio, TBK is valued more expensive than 80.05% of the companies in the same industry.
  • TBK's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 22.62.
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 5 10 15 20 25

4.2 Price Multiples

  • 74.54% of the companies in the same industry are cheaper than TBK, based on the Price/Free Cash Flow ratio.
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

  • TBK's earnings are expected to decrease with -3.04% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)0.45
EPS Next 2Y-8.95%
EPS Next 3Y-3.04%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. TBK Dividend Analysis

5.1 Amount

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

More info and screens

Find the best dividend stocksShow peers with best dividend

TBK Fundamentals: All Metrics, Ratios and Statistics

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
Earnings (Next)01-18
Inst Owners82.66%
Inst Owner Change3.2%
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 Number0 (-100%)
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 Fundamental Analysis FAQ

What is the fundamental rating for TBK stock?

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


Can you provide the valuation status for TRIUMPH BANCORP INC?

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


How profitable is TRIUMPH BANCORP INC (TBK) stock?

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


What is the financial health of TRIUMPH BANCORP INC (TBK) stock?

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


How sustainable is the dividend of TRIUMPH BANCORP INC (TBK) stock?

The dividend rating of TRIUMPH BANCORP INC (TBK) is 0 / 10 and the dividend payout ratio is 2.88%.