TRIUMPH FINANCIAL INC (TFIN) Stock Fundamental Analysis
USA - NYSE:TFIN - US89679E3009 - Common Stock
52.07 USD
-0.34 (-0.65%)
TFIN gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 388 industry peers in the Banks industry. Both the profitability and financial health of TFIN have multiple concerns. TFIN is valied quite expensively at the moment, while 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.
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.
1.2 Ratios
TFIN has a worse Return On Assets (0.16%) than 88.14% of its industry peers.
Looking at the Return On Equity, with a value of 1.14%, TFIN is doing worse than 89.18% of the companies in the same industry.
| Industry Rank | Sector 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
1.3 Margins
TFIN has a worse Profit Margin (2.49%) than 89.43% 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 Rank | Sector 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
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 about the same amout of shares outstanding than it did 1 year ago.
TFIN has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, TFIN has an improved debt to assets ratio.
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.
With a Debt to FCF ratio value of 6.39, TFIN is not doing good in the industry: 73.97% of the companies in the same industry are doing better.
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 62.11% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.12 | ||
| Debt/FCF | 6.39 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC10.73%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for TFIN have decreased strongly by -62.82% in the last year.
TFIN shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -24.83% yearly.
TFIN shows a decrease in Revenue. In the last year, the revenue decreased by -0.57%.
TFIN shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 7.66% yearly.
EPS 1Y (TTM)-62.82%
EPS 3Y-50.15%
EPS 5Y-24.83%
EPS Q2Q%-78.95%
Revenue 1Y (TTM)-0.57%
Revenue growth 3Y-0.61%
Revenue growth 5Y7.66%
Sales Q2Q%2.91%
3.2 Future
The Earnings Per Share is expected to grow by 71.75% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 6.34% on average over the next years.
EPS Next Y-13.58%
EPS Next 2Y82.29%
EPS Next 3Y71.75%
EPS Next 5YN/A
Revenue Next Year2.11%
Revenue Next 2Y6.41%
Revenue Next 3Y6.34%
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.
4. Valuation
4.1 Price/Earnings Ratio
TFIN is valuated quite expensively with a Price/Earnings ratio of 179.55.
Based on the Price/Earnings ratio, TFIN is valued more expensive than 87.89% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 25.89, TFIN is valued quite expensively.
With a Price/Forward Earnings ratio of 29.02, TFIN can be considered very expensive at the moment.
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 79.90% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 34.59. TFIN is around the same levels.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 179.55 | ||
| Fwd PE | 29.02 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, TFIN is valued more expensive than 81.44% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 70.26 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A more expensive valuation may be justified as TFIN's earnings are expected to grow with 71.75% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y82.29%
EPS Next 3Y71.75%
5. Dividend
5.1 Amount
No dividends for TFIN!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NYSE:TFIN (11/17/2025, 10:54:52 AM)
52.07
-0.34 (-0.65%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners96.76%
Inst Owner ChangeN/A
Ins Owners5.25%
Ins Owner Change-3.84%
Market Cap1.24B
Revenue(TTM)415.87M
Net Income(TTM)10.43M
Analysts74.55
Price Target63.24 (21.45%)
Short Float %9.62%
Short Ratio8.92
Dividend
| Industry Rank | Sector 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)2.48%
PT rev (3m)2.48%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.66%
EPS NY rev (1m)-5.08%
EPS NY rev (3m)-31.1%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)-1.36%
Revenue NY rev (3m)-1.36%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 179.55 | ||
| Fwd PE | 29.02 | ||
| P/S | 2.95 | ||
| P/FCF | 70.26 | ||
| P/OCF | 19.09 | ||
| P/B | 1.36 | ||
| P/tB | 2.69 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.29
EY0.56%
EPS(NY)1.79
Fwd EY3.45%
FCF(TTM)0.74
FCFY1.42%
OCF(TTM)2.73
OCFY5.24%
SpS17.65
BVpS38.4
TBVpS19.37
PEG (NY)N/A
PEG (5Y)N/A
Graham Number15.83
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC10.73%
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)-62.82%
EPS 3Y-50.15%
EPS 5Y-24.83%
EPS Q2Q%-78.95%
EPS Next Y-13.58%
EPS Next 2Y82.29%
EPS Next 3Y71.75%
EPS Next 5YN/A
Revenue 1Y (TTM)-0.57%
Revenue growth 3Y-0.61%
Revenue growth 5Y7.66%
Sales Q2Q%2.91%
Revenue Next Year2.11%
Revenue Next 2Y6.41%
Revenue Next 3Y6.34%
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 of TRIUMPH FINANCIAL INC (TFIN) stock?
ChartMill assigns a valuation rating of 1 / 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.
What is the financial health of TRIUMPH FINANCIAL INC (TFIN) stock?
The financial health rating of TRIUMPH FINANCIAL INC (TFIN) is 2 / 10.
What is the earnings growth outlook for TRIUMPH FINANCIAL INC?
The Earnings per Share (EPS) of TRIUMPH FINANCIAL INC (TFIN) is expected to decline by -13.58% in the next year.