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TRIUMPH FINANCIAL INC (TFIN) Stock Fundamental Analysis

USA - NYSE:TFIN - US89679E3009 - Common Stock

52.93 USD
-2.11 (-3.83%)
Last: 9/24/2025, 8:04:00 PM
52.93 USD
0 (0%)
After Hours: 9/24/2025, 8:04:00 PM
Fundamental Rating

2

TFIN gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 392 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.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

TFIN had positive earnings in the past year.
In the past year TFIN had a positive cash flow from operations.
In the past 5 years TFIN has always been profitable.
Each year in the past 5 years TFIN had a positive operating cash flow.
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's Return On Assets of 0.16% is on the low side compared to the rest of the industry. TFIN is outperformed by 86.73% of its industry peers.
The Return On Equity of TFIN (1.14%) is worse than 87.50% 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 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 2.49%, TFIN is doing worse than 88.27% of the companies in the same industry.
In the last couple of years the Profit Margin of TFIN has declined.
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) 2.49%
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 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.
Compared to 1 year ago, TFIN has about the same amount of shares outstanding.
The number of shares outstanding for TFIN has been reduced compared to 5 years ago.
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 6.39, 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 71.43% of its industry peers.
A Debt/Equity ratio of 0.12 indicates that TFIN is not too dependend on debt financing.
TFIN has a better Debt to Equity ratio (0.12) than 62.76% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.12
Debt/FCF 6.39
Altman-Z N/A
ROIC/WACCN/A
WACC10.7%
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%.
The earnings per share for TFIN have been decreasing by -24.83% on average. This is quite bad
TFIN shows a small growth in Revenue. In the last year, the Revenue has grown by 0.58%.
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

The Earnings Per Share is expected to grow by 87.78% on average over the next years. This is a very strong growth
TFIN is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.98% yearly.
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.
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

TFIN is valuated quite expensively with a Price/Earnings ratio of 120.30.
Based on the Price/Earnings ratio, TFIN is valued expensively inside the industry as 88.01% of the companies are valued cheaper.
Compared to an average S&P500 Price/Earnings ratio of 27.29, TFIN is valued quite expensively.
A Price/Forward Earnings ratio of 27.80 indicates a quite expensive valuation of TFIN.
Compared to the rest of the industry, the Price/Forward Earnings ratio of TFIN indicates a rather expensive valuation: TFIN more expensive than 80.10% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.80, TFIN is valued a bit more expensive.
Industry RankSector Rank
PE 120.3
Fwd PE 27.8
TFIN Price Earnings VS Forward Price EarningsTFIN Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80 100

4.2 Price Multiples

TFIN's Price/Free Cash Flow ratio is rather expensive when compared to the industry. TFIN is more expensive than 80.10% of the companies in the same industry.
Industry RankSector Rank
P/FCF 71.33
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 earnings are expected to grow with 87.78% in the coming years. This may justify a more expensive valuation.
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 (9/24/2025, 8:04:00 PM)

After market: 52.93 0 (0%)

52.93

-2.11 (-3.83%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-16 2025-07-16/amc
Earnings (Next)10-15 2025-10-15/amc
Inst Owners94.51%
Inst Owner ChangeN/A
Ins Owners5.33%
Ins Owner Change1.38%
Market Cap1.26B
Analysts50
Price Target61.71 (16.59%)
Short Float %9.97%
Short Ratio9.61
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)0%
PT rev (3m)12.04%
EPS NQ rev (1m)-7.78%
EPS NQ rev (3m)-50.17%
EPS NY rev (1m)0%
EPS NY rev (3m)-29.22%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.26%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.02%
Valuation
Industry RankSector Rank
PE 120.3
Fwd PE 27.8
P/S 2.99
P/FCF 71.33
P/OCF 19.38
P/B 1.38
P/tB 2.73
EV/EBITDA N/A
EPS(TTM)0.44
EY0.83%
EPS(NY)1.9
Fwd EY3.6%
FCF(TTM)0.74
FCFY1.4%
OCF(TTM)2.73
OCFY5.16%
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) 2.49%
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
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-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
WACC10.7%
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)-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-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%