TRIUMPH FINANCIAL INC (TFIN)
US89679E3009 - Common Stock
TFIN gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 412 industry peers in the Banks industry. TFIN has a bad profitability rating. Also its financial health evaluation is rather negative. TFIN is quite expensive at the moment. It does show a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year TFIN was profitable.
TFIN had a positive operating cash flow in the past year.
Each year in the past 5 years TFIN has been profitable.
In the past 5 years TFIN always reported a positive cash flow from operatings.
1.2 Ratios
With a Return On Assets value of 0.71%, TFIN is not doing good in the industry: 65.05% of the companies in the same industry are doing better.
Looking at the Return On Equity, with a value of 4.38%, TFIN is doing worse than 83.74% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.71% | ||
| ROE | 4.38% | ||
| ROIC | N/A |
ROA(3y)1.47%
ROA(5y)1.32%
ROE(3y)9.44%
ROE(5y)9.21%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
With a Profit Margin value of 9.04%, TFIN is not doing good in the industry: 88.84% of the companies in the same industry are doing better.
TFIN's Profit Margin has declined in the last couple of years.
TFIN 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) | 9.04% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-20.54%
PM growth 5Y-15.02%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
TFIN does not have a ROIC to compare to the WACC, probably because it is not profitable.
TFIN has less shares outstanding than it did 1 year ago.
The number of shares outstanding for TFIN has been reduced compared to 5 years ago.
The debt/assets ratio for TFIN is higher compared to a year ago.
2.2 Solvency
TFIN has a debt to FCF ratio of 7.80. This is a slightly negative value and a sign of low solvency as TFIN would need 7.80 years to pay back of all of its debts.
TFIN's Debt to FCF ratio of 7.80 is on the low side compared to the rest of the industry. TFIN is outperformed by 75.24% of its industry peers.
A Debt/Equity ratio of 0.17 indicates that TFIN is not too dependend on debt financing.
The Debt to Equity ratio of TFIN (0.17) is better than 61.65% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.17 | ||
| Debt/FCF | 7.8 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC10.33%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
TFIN shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -59.60%.
The Earnings Per Share has been decreasing by -4.74% on average over the past years.
The Revenue for TFIN has decreased by -13.69% in the past year. This is quite bad
Measured over the past years, TFIN shows a quite strong growth in Revenue. The Revenue has been growing by 10.83% on average per year.
EPS 1Y (TTM)-59.6%
EPS 3Y-14.28%
EPS 5Y-4.74%
EPS growth Q2Q-44.78%
Revenue 1Y (TTM)-13.69%
Revenue growth 3Y6.62%
Revenue growth 5Y10.83%
Revenue growth Q2Q-5.9%
3.2 Future
Based on estimates for the next years, TFIN will show a very strong growth in Earnings Per Share. The EPS will grow by 33.27% on average per year.
Based on estimates for the next years, TFIN will show a quite strong growth in Revenue. The Revenue will grow by 9.49% on average per year.
EPS Next Y14.27%
EPS Next 2Y33.27%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year7.53%
Revenue Next 2Y9.49%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
TFIN is valuated quite expensively with a Price/Earnings ratio of 42.94.
Based on the Price/Earnings ratio, TFIN is valued more expensive than 91.26% of the companies in the same industry.
When comparing the Price/Earnings ratio of TFIN to the average of the S&P500 Index (24.80), we can say TFIN is valued expensively.
The Price/Forward Earnings ratio is 37.58, which means the current valuation is very expensive for TFIN.
TFIN's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. TFIN is more expensive than 78.88% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.27, TFIN is valued quite expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 42.94 | ||
| Fwd PE | 37.58 |
4.2 Price Multiples
87.86% of the companies in the same industry are cheaper than TFIN, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 83.14 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
TFIN's earnings are expected to grow with 33.27% in the coming years. This may justify a more expensive valuation.
PEG (NY)3.01
PEG (5Y)N/A
EPS Next 2Y33.27%
EPS Next 3YN/A
5. Dividend
5.1 Amount
No dividends for TFIN!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
TRIUMPH FINANCIAL INC
NASDAQ:TFIN (4/19/2024, 2:15:43 PM)
68.71
+0.61 (+0.9%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap1.60B
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 | 42.94 | ||
| Fwd PE | 37.58 | ||
| 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)3.01
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.71% | ||
| ROE | 4.38% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 9.04% | ||
| 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 Turnover0.08
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)-59.6%
EPS 3Y-14.28%
EPS 5Y
EPS growth Q2Q
EPS Next Y14.27%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-13.69%
Revenue growth 3Y6.62%
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