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TRIUMPH FINANCIAL INC (TFIN) Stock Fundamental Analysis

NASDAQ:TFIN - Nasdaq - US89679E3009 - Common Stock - Currency: USD

54.5  -1.18 (-2.12%)

After market: 54.5 0 (0%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to TFIN. TFIN was compared to 395 industry peers in the Banks industry. TFIN may be in some trouble as it scores bad on both profitability and health. 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.
In the past 5 years TFIN has always been profitable.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M 100M

1.2 Ratios

TFIN has a worse Return On Assets (0.14%) than 88.10% of its industry peers.
With a Return On Equity value of 0.98%, TFIN is not doing good in the industry: 88.35% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA 0.14%
ROE 0.98%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

Looking at the Profit Margin, with a value of 2.10%, TFIN is doing worse than 88.86% of the companies in the same industry.
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 RankSector Rank
OM N/A
PM (TTM) 2.1%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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3

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 remains at a similar level compared to 1 year ago.
Compared to 5 years ago, TFIN has less shares outstanding
The debt/assets ratio for TFIN has been reduced compared to a year ago.
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

TFIN has a debt to FCF ratio of 3.10. This is a good value and a sign of high solvency as TFIN would need 3.10 years to pay back of all of its debts.
TFIN has a Debt to FCF ratio of 3.10. This is in the lower half of the industry: TFIN underperforms 64.81% of its industry peers.
A Debt/Equity ratio of 0.13 indicates that TFIN is not too dependend on debt financing.
TFIN has a better Debt to Equity ratio (0.13) than 63.54% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.13
Debt/FCF 3.1
Altman-Z N/A
ROIC/WACCN/A
WACC10.89%
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

The earnings per share for TFIN have decreased strongly by -71.76% in the last year.
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.
TFIN shows a small growth in Revenue. In the last year, the Revenue has grown by 0.37%.
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)-71.76%
EPS 3Y-50.15%
EPS 5Y-24.83%
EPS Q2Q%-121.43%
Revenue 1Y (TTM)0.37%
Revenue growth 3Y-0.61%
Revenue growth 5Y7.66%
Sales Q2Q%0.53%

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 97.15% on average per year.
The Revenue is expected to grow by 8.82% on average over the next years. This is quite good.
EPS Next Y25.8%
EPS Next 2Y97.15%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year3.53%
Revenue Next 2Y8.82%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
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

The Price/Earnings ratio is 147.30, which means the current valuation is very expensive for TFIN.
TFIN's Price/Earnings ratio is rather expensive when compared to the industry. TFIN is more expensive than 88.35% of the companies in the same industry.
TFIN is valuated expensively when we compare the Price/Earnings ratio to 26.34, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 25.97, TFIN can be considered very expensive at the moment.
Based on the Price/Forward Earnings ratio, TFIN is valued expensively inside the industry as 80.25% of the companies are valued cheaper.
When comparing the Price/Forward Earnings ratio of TFIN to the average of the S&P500 Index (22.19), we can say TFIN is valued inline with the index average.
Industry RankSector Rank
PE 147.3
Fwd PE 25.97
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

TFIN's Price/Free Cash Flow ratio is rather expensive when compared to the industry. TFIN is more expensive than 82.78% of the companies in the same industry.
Industry RankSector Rank
P/FCF 35.7
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

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
A more expensive valuation may be justified as TFIN's earnings are expected to grow with 97.15% in the coming years.
PEG (NY)5.71
PEG (5Y)N/A
EPS Next 2Y97.15%
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

No dividends for TFIN!.
Industry RankSector Rank
Dividend Yield N/A

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TRIUMPH FINANCIAL INC

NASDAQ:TFIN (6/18/2025, 8:00:00 PM)

After market: 54.5 0 (0%)

54.5

-1.18 (-2.12%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-16 2025-04-16/amc
Earnings (Next)07-15 2025-07-15/amc
Inst Owners94.54%
Inst Owner ChangeN/A
Ins Owners5.38%
Ins Owner Change3.05%
Market Cap1.29B
Analysts50
Price Target55.08 (1.06%)
Short Float %11.15%
Short Ratio9.98
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly Dividend0.14
Dividend Growth(5Y)N/A
DP36.64%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-108.24%
Min EPS beat(2)-170.03%
Max EPS beat(2)-46.45%
EPS beat(4)1
Avg EPS beat(4)-69.97%
Min EPS beat(4)-170.03%
Max EPS beat(4)1.02%
EPS beat(8)2
Avg EPS beat(8)-43.09%
EPS beat(12)4
Avg EPS beat(12)-24.01%
EPS beat(16)6
Avg EPS beat(16)-19.13%
Revenue beat(2)0
Avg Revenue beat(2)-5.55%
Min Revenue beat(2)-6.35%
Max Revenue beat(2)-4.75%
Revenue beat(4)0
Avg Revenue beat(4)-4.49%
Min Revenue beat(4)-6.35%
Max Revenue beat(4)-2.89%
Revenue beat(8)0
Avg Revenue beat(8)-4.51%
Revenue beat(12)2
Avg Revenue beat(12)-1.3%
Revenue beat(16)4
Avg Revenue beat(16)-1.23%
PT rev (1m)0%
PT rev (3m)-29.41%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-55.4%
EPS NY rev (1m)0%
EPS NY rev (3m)-35.66%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-4.95%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-4.68%
Valuation
Industry RankSector Rank
PE 147.3
Fwd PE 25.97
P/S 3.1
P/FCF 35.7
P/OCF 17.91
P/B 1.44
P/tB 2.16
EV/EBITDA N/A
EPS(TTM)0.37
EY0.68%
EPS(NY)2.1
Fwd EY3.85%
FCF(TTM)1.53
FCFY2.8%
OCF(TTM)3.04
OCFY5.58%
SpS17.58
BVpS37.75
TBVpS25.21
PEG (NY)5.71
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.14%
ROE 0.98%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 2.1%
GM N/A
FCFM 8.68%
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
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-50.59%
PM growth 5Y-31.25%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.07
Health
Industry RankSector Rank
Debt/Equity 0.13
Debt/FCF 3.1
Debt/EBITDA N/A
Cap/Depr 103.54%
Cap/Sales 8.62%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 412.67%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC10.89%
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)-71.76%
EPS 3Y-50.15%
EPS 5Y-24.83%
EPS Q2Q%-121.43%
EPS Next Y25.8%
EPS Next 2Y97.15%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)0.37%
Revenue growth 3Y-0.61%
Revenue growth 5Y7.66%
Sales Q2Q%0.53%
Revenue Next Year3.53%
Revenue Next 2Y8.82%
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 1Y5064.29%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y195.25%
OCF growth 3Y-24.48%
OCF growth 5Y-4.04%