TRIUMPH FINANCIAL INC (TFIN) Stock Fundamental Analysis

NYSE:TFIN • US89679E3009

55.86 USD
-3.18 (-5.39%)
At close: Feb 27, 2026
52.75 USD
-3.11 (-5.57%)
After Hours: 2/27/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

2

Overall TFIN gets a fundamental rating of 2 out of 10. We evaluated TFIN against 379 industry peers in the Banks industry. TFIN may be in some trouble as it scores bad on both profitability and health. TFIN is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • In the past year TFIN was profitable.
  • In the past year TFIN had a positive cash flow from operations.
  • TFIN had positive earnings in each of the past 5 years.
  • TFIN had a positive operating cash flow in each of the past 5 years.
TFIN Yearly Net Income VS EBIT VS OCF VS FCFTFIN Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50M 100M

1.2 Ratios

  • TFIN has a worse Return On Assets (0.16%) than 87.86% of its industry peers.
  • TFIN has a worse Return On Equity (1.14%) than 88.13% of its industry peers.
Industry RankSector Rank
ROA 0.16%
ROE 1.14%
ROIC N/A
ROA(3y)0.93%
ROA(5y)1.14%
ROE(3y)5.67%
ROE(5y)7.67%
ROIC(3y)N/A
ROIC(5y)N/A
TFIN Yearly ROA, ROE, ROICTFIN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • Looking at the Profit Margin, with a value of 2.49%, TFIN is doing worse than 89.18% of the companies in the same industry.
  • TFIN's Profit Margin has declined in the last couple of years.
  • The Operating Margin and Gross Margin are not available for TFIN so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 2.49%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-50.59%
PM growth 5Y-31.25%
GM growth 3YN/A
GM growth 5YN/A
TFIN Yearly Profit, Operating, Gross MarginsTFIN Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

2

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 more shares outstanding than it did 1 year ago.
  • TFIN has less shares outstanding than it did 5 years ago.
  • The debt/assets ratio for TFIN has been reduced compared to a year ago.
TFIN Yearly Shares OutstandingTFIN Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M 25M
TFIN Yearly Total Debt VS Total AssetsTFIN Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B

2.2 Solvency

  • The Debt to FCF ratio of TFIN is 6.39, which is on the high side as it means it would take TFIN, 6.39 years of fcf income to pay off all of its debts.
  • TFIN's Debt to FCF ratio of 6.39 is on the low side compared to the rest of the industry. TFIN is outperformed by 74.67% of its industry peers.
  • A Debt/Equity ratio of 0.12 indicates that TFIN is not too dependend on debt financing.
  • TFIN has a Debt to Equity ratio of 0.12. This is in the better half of the industry: TFIN outperforms 62.27% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.12
Debt/FCF 6.39
Altman-Z N/A
ROIC/WACCN/A
WACC10.49%
TFIN Yearly LT Debt VS Equity VS FCFTFIN Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M 400M 600M 800M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
TFIN Yearly Current Assets VS Current LiabilitesTFIN Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M

More info and screens

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

4

3. Growth

3.1 Past

  • TFIN shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 72.22%, which is quite impressive.
  • The earnings per share for TFIN have been decreasing by -18.20% on average. This is quite bad
EPS 1Y (TTM)72.22%
EPS 3Y-38.3%
EPS 5Y-18.2%
EPS Q2Q%492.31%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%2.52%

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 68.84% on average per year.
  • The Revenue is expected to grow by 9.16% on average over the next years. This is quite good.
EPS Next Y71.21%
EPS Next 2Y68.84%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year7.05%
Revenue Next 2Y9.16%
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.
TFIN Yearly Revenue VS EstimatesTFIN Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 100M 200M 300M 400M 500M
TFIN Yearly EPS VS EstimatesTFIN Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3 4

More info and screens

Find the best growth stocksShow best growing peers

2

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 60.06 indicates a quite expensive valuation of TFIN.
  • Compared to the rest of the industry, the Price/Earnings ratio of TFIN indicates a rather expensive valuation: TFIN more expensive than 88.65% of the companies listed in the same industry.
  • The average S&P500 Price/Earnings ratio is at 27.10. TFIN is valued rather expensively when compared to this.
  • The Price/Forward Earnings ratio is 35.08, which means the current valuation is very expensive for TFIN.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of TFIN indicates a slightly more expensive valuation: TFIN is more expensive than 79.42% of the companies listed in the same industry.
  • TFIN's Price/Forward Earnings ratio indicates a valuation a bit more expensive than the S&P500 average which is at 28.06.
Industry RankSector Rank
PE 60.06
Fwd PE 35.08
TFIN Price Earnings VS Forward Price EarningsTFIN Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60

4.2 Price Multiples

  • TFIN's Price/Free Cash Flow ratio is rather expensive when compared to the industry. TFIN is more expensive than 83.11% of the companies in the same industry.
Industry RankSector Rank
P/FCF 75.41
EV/EBITDA N/A
TFIN Per share dataTFIN EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

  • TFIN's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • A more expensive valuation may be justified as TFIN's earnings are expected to grow with 68.84% in the coming years.
PEG (NY)0.84
PEG (5Y)N/A
EPS Next 2Y68.84%
EPS Next 3YN/A

More info and screens

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

0

5. Dividend

5.1 Amount

  • TFIN does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

TRIUMPH FINANCIAL INC

NYSE:TFIN (2/27/2026, 8:04:00 PM)

After market: 52.75 -3.11 (-5.57%)

55.86

-3.18 (-5.39%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-26
Earnings (Next)04-14
Inst Owners97.3%
Inst Owner ChangeN/A
Ins Owners5.19%
Ins Owner Change-3.53%
Market Cap1.33B
Revenue(TTM)N/A
Net Income(TTM)10.43M
Analysts50
Price Target68.34 (22.34%)
Short Float %13.4%
Short Ratio11.98
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly Dividend0.14
Dividend Growth(5Y)N/A
DP30.81%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-16.42%
Min EPS beat(2)-170.03%
Max EPS beat(2)137.19%
EPS beat(4)2
Avg EPS beat(4)-19.57%
Min EPS beat(4)-170.03%
Max EPS beat(4)137.19%
EPS beat(8)3
Avg EPS beat(8)-22.12%
EPS beat(12)4
Avg EPS beat(12)-20.48%
EPS beat(16)6
Avg EPS beat(16)-10.8%
Revenue beat(2)1
Avg Revenue beat(2)-2.32%
Min Revenue beat(2)-4.75%
Max Revenue beat(2)0.11%
Revenue beat(4)1
Avg Revenue beat(4)-3.47%
Min Revenue beat(4)-6.35%
Max Revenue beat(4)0.11%
Revenue beat(8)1
Avg Revenue beat(8)-3.88%
Revenue beat(12)2
Avg Revenue beat(12)-3.61%
Revenue beat(16)4
Avg Revenue beat(16)-1.4%
PT rev (1m)6.35%
PT rev (3m)8.06%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)-1.74%
EPS NY rev (3m)-1.2%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.3%
Valuation
Industry RankSector Rank
PE 60.06
Fwd PE 35.08
P/S 3.17
P/FCF 75.41
P/OCF 20.49
P/B 1.46
P/tB 2.89
EV/EBITDA N/A
EPS(TTM)0.93
EY1.66%
EPS(NY)1.59
Fwd EY2.85%
FCF(TTM)0.74
FCFY1.33%
OCF(TTM)2.73
OCFY4.88%
SpS17.64
BVpS38.38
TBVpS19.36
PEG (NY)0.84
PEG (5Y)N/A
Graham Number28.34
Profitability
Industry RankSector Rank
ROA 0.16%
ROE 1.14%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 2.49%
GM N/A
FCFM 4.2%
ROA(3y)0.93%
ROA(5y)1.14%
ROE(3y)5.67%
ROE(5y)7.67%
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 3Y-50.59%
PM growth 5Y-31.25%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.06
Health
Industry RankSector Rank
Debt/Equity 0.12
Debt/FCF 6.39
Debt/EBITDA N/A
Cap/Depr 128.69%
Cap/Sales 11.25%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 168.85%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC10.49%
ROIC/WACCN/A
Cap/Depr(3y)128.59%
Cap/Depr(5y)108.26%
Cap/Sales(3y)9.4%
Cap/Sales(5y)7.34%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)72.22%
EPS 3Y-38.3%
EPS 5Y-18.2%
EPS Q2Q%492.31%
EPS Next Y71.21%
EPS Next 2Y68.84%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%2.52%
Revenue Next Year7.05%
Revenue Next 2Y9.16%
Revenue Next 3YN/A
Revenue Next 5YN/A
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 1Y-61.89%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-6.63%
OCF growth 3Y-24.48%
OCF growth 5Y-4.04%

TRIUMPH FINANCIAL INC / TFIN FAQ

What is the ChartMill fundamental rating of TRIUMPH FINANCIAL INC (TFIN) stock?

ChartMill assigns a fundamental rating of 2 / 10 to TFIN.


What is the valuation status for TFIN stock?

ChartMill assigns a valuation rating of 2 / 10 to TRIUMPH FINANCIAL INC (TFIN). This can be considered as Overvalued.


Can you provide the profitability details for TRIUMPH FINANCIAL INC?

TRIUMPH FINANCIAL INC (TFIN) has a profitability rating of 2 / 10.


Can you provide the PE and PB ratios for TFIN stock?

The Price/Earnings (PE) ratio for TRIUMPH FINANCIAL INC (TFIN) is 60.06 and the Price/Book (PB) ratio is 1.46.


What is the expected EPS growth for TRIUMPH FINANCIAL INC (TFIN) stock?

The Earnings per Share (EPS) of TRIUMPH FINANCIAL INC (TFIN) is expected to grow by 71.21% in the next year.