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TRIUMPH FINANCIAL INC (TFIN) Stock Fundamental Analysis

NYSE:TFIN - US89679E3009 - Common Stock

62.25 USD
+1.3 (+2.13%)
Last: 8/26/2025, 1:08:10 PM
Fundamental Rating

2

Overall TFIN gets a fundamental rating of 2 out of 10. We evaluated TFIN against 393 industry peers in the Banks industry. Both the profitability and financial health of TFIN have multiple concerns. While showing a medium growth rate, TFIN is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

TFIN had positive earnings in the past year.
TFIN had a positive operating cash flow in the past year.
TFIN had positive earnings in each of the past 5 years.
In the past 5 years TFIN always reported a positive cash flow from operatings.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M 100M

1.2 Ratios

TFIN has a worse Return On Assets (0.16%) than 87.53% of its industry peers.
TFIN has a Return On Equity of 1.14%. This is amonst the worse of the industry: TFIN underperforms 87.53% 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)5.66%
ROE(5y)7.67%
ROIC(3y)N/A
ROIC(5y)N/A
TFIN Yearly ROA, ROE, ROICTFIN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

TFIN has a Profit Margin of 2.48%. This is amonst the worse of the industry: TFIN underperforms 88.04% of its industry peers.
In the last couple of years the Profit Margin of TFIN has declined.
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) 2.48%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-50.74%
PM growth 5Y-31.37%
GM growth 3YN/A
GM growth 5YN/A
TFIN Yearly Profit, Operating, Gross MarginsTFIN Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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2

2. Health

2.1 Basic Checks

TFIN does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for TFIN has been increased compared to 1 year ago.
Compared to 5 years ago, TFIN has less shares outstanding
Compared to 1 year ago, TFIN has an improved debt to assets ratio.
TFIN Yearly Shares OutstandingTFIN Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M 25M
TFIN Yearly Total Debt VS Total AssetsTFIN Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B 5B

2.2 Solvency

The Debt to FCF ratio of TFIN is 6.64, which is on the high side as it means it would take TFIN, 6.64 years of fcf income to pay off all of its debts.
TFIN has a worse Debt to FCF ratio (6.64) than 71.76% of its industry peers.
TFIN has a Debt/Equity ratio of 0.12. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of TFIN (0.12) is better than 62.85% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.12
Debt/FCF 6.64
Altman-Z N/A
ROIC/WACCN/A
WACC10.6%
TFIN Yearly LT Debt VS Equity VS FCFTFIN Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M

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5

3. Growth

3.1 Past

TFIN shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -60.00%.
Measured over the past years, TFIN shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -24.83% on average per year.
The Revenue has been growing slightly by 0.58% in the past year.
Measured over the past years, TFIN shows a small growth in Revenue. The Revenue has been growing by 7.66% on average per year.
EPS 1Y (TTM)-60%
EPS 3Y-50.15%
EPS 5Y-24.83%
EPS Q2Q%87.5%
Revenue 1Y (TTM)0.58%
Revenue growth 3Y-0.61%
Revenue growth 5Y7.66%
Sales Q2Q%5.99%

3.2 Future

TFIN is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 87.78% yearly.
The Revenue is expected to grow by 8.98% on average over the next years. This is quite good.
EPS Next Y-10.96%
EPS Next 2Y87.78%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year3.51%
Revenue Next 2Y8.98%
Revenue Next 3YN/A
Revenue Next 5YN/A

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 accelerating.
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
TFIN Yearly Revenue VS EstimatesTFIN 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
TFIN Yearly EPS VS EstimatesTFIN 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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1

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 141.48, the valuation of TFIN can be described as expensive.
Based on the Price/Earnings ratio, TFIN is valued more expensive than 88.55% of the companies in the same industry.
TFIN is valuated expensively when we compare the Price/Earnings ratio to 27.03, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 32.69, which means the current valuation is very expensive for TFIN.
Based on the Price/Forward Earnings ratio, TFIN is valued more expensive than 80.66% of the companies 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 22.63.
Industry RankSector Rank
PE 141.48
Fwd PE 32.69
TFIN Price Earnings VS Forward Price EarningsTFIN Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 50 100

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, TFIN is valued more expensive than 81.68% of the companies in the same industry.
Industry RankSector Rank
P/FCF 87.22
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

A more expensive valuation may be justified as TFIN's earnings are expected to grow with 87.78% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y87.78%
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

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

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TRIUMPH FINANCIAL INC

NYSE:TFIN (8/26/2025, 1:08:10 PM)

62.25

+1.3 (+2.13%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-16 2025-07-16/amc
Earnings (Next)10-14 2025-10-14/amc
Inst Owners94.51%
Inst Owner ChangeN/A
Ins Owners5.33%
Ins Owner Change3.7%
Market Cap1.48B
Analysts50
Price Target61.71 (-0.87%)
Short Float %10.8%
Short Ratio9.71
Dividend
Industry RankSector Rank
Dividend Yield N/A
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)8.04%
PT rev (3m)12.04%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-61.47%
EPS NY rev (1m)-29.01%
EPS NY rev (3m)-29.22%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-4.67%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.02%
Valuation
Industry RankSector Rank
PE 141.48
Fwd PE 32.69
P/S 3.52
P/FCF 87.22
P/OCF 22.95
P/B 1.62
P/tB 3.21
EV/EBITDA N/A
EPS(TTM)0.44
EY0.71%
EPS(NY)1.9
Fwd EY3.06%
FCF(TTM)0.71
FCFY1.15%
OCF(TTM)2.71
OCFY4.36%
SpS17.67
BVpS38.45
TBVpS19.39
PEG (NY)N/A
PEG (5Y)N/A
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) 2.48%
GM N/A
FCFM 4.04%
ROA(3y)0.93%
ROA(5y)1.14%
ROE(3y)5.66%
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
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 3Y-50.74%
PM growth 5Y-31.37%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.06
Health
Industry RankSector Rank
Debt/Equity 0.12
Debt/FCF 6.64
Debt/EBITDA N/A
Cap/Depr 131.1%
Cap/Sales 11.31%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 162.61%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC10.6%
ROIC/WACCN/A
Cap/Depr(3y)130.19%
Cap/Depr(5y)109.22%
Cap/Sales(3y)9.41%
Cap/Sales(5y)7.34%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-60%
EPS 3Y-50.15%
EPS 5Y-24.83%
EPS Q2Q%87.5%
EPS Next Y-10.96%
EPS Next 2Y87.78%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)0.58%
Revenue growth 3Y-0.61%
Revenue growth 5Y7.66%
Sales Q2Q%5.99%
Revenue Next Year3.51%
Revenue Next 2Y8.98%
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-63.34%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-7.25%
OCF growth 3Y-24.67%
OCF growth 5Y-4.18%