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TRIUMPH FINANCIAL INC (TFIN) Stock Fundamental Analysis

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

55.78  +1.03 (+1.88%)

Fundamental Rating

2

Taking everything into account, TFIN scores 2 out of 10 in our fundamental rating. TFIN was compared to 392 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.
In the past year TFIN had a positive cash flow from operations.
Each year in the past 5 years TFIN has 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

With a Return On Assets value of 0.16%, TFIN is not doing good in the industry: 88.01% of the companies in the same industry are doing better.
The Return On Equity of TFIN (1.14%) is worse than 88.01% 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

Looking at the Profit Margin, with a value of 2.48%, TFIN is doing worse than 88.27% 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) 2.48%
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.
TFIN has more shares outstanding than it did 1 year ago.
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

TFIN has a debt to FCF ratio of 6.64. This is a slightly negative value and a sign of low solvency as TFIN would need 6.64 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 6.64, TFIN is doing worse than 73.98% of the companies in the same industry.
A Debt/Equity ratio of 0.12 indicates that TFIN is not too dependend on debt financing.
With a decent Debt to Equity ratio value of 0.12, TFIN is doing good in the industry, outperforming 63.78% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.12
Debt/FCF 6.64
Altman-Z N/A
ROIC/WACCN/A
WACC10.74%
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 -60.00% 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.
Looking at the last year, TFIN shows a small growth in Revenue. The Revenue has grown by 0.58% in the last year.
The Revenue has been growing slightly by 7.66% on average over the past years.
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

Based on estimates for the next years, TFIN will show a very strong growth in Earnings Per Share. The EPS will grow by 96.89% on average per year.
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 Y25.42%
EPS Next 2Y96.89%
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

With a Price/Earnings ratio of 126.77, TFIN can be considered very expensive at the moment.
Compared to the rest of the industry, the Price/Earnings ratio of TFIN indicates a rather expensive valuation: TFIN more expensive than 87.76% of the companies listed in the same industry.
TFIN is valuated expensively when we compare the Price/Earnings ratio to 26.82, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 26.65, TFIN can be considered very expensive at the moment.
Based on the Price/Forward Earnings ratio, TFIN is valued more expensive than 80.61% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of TFIN to the average of the S&P500 Index (36.21), we can say TFIN is valued slightly cheaper.
Industry RankSector Rank
PE 126.77
Fwd PE 26.65
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

84.69% of the companies in the same industry are cheaper than TFIN, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 78.15
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.
TFIN's earnings are expected to grow with 96.89% in the coming years. This may justify a more expensive valuation.
PEG (NY)4.99
PEG (5Y)N/A
EPS Next 2Y96.89%
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 (8/4/2025, 12:18:00 PM)

55.78

+1.03 (+1.88%)

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 Owners94.54%
Inst Owner ChangeN/A
Ins Owners5.38%
Ins Owner Change2.48%
Market Cap1.32B
Analysts50
Price Target57.12 (2.4%)
Short Float %11.31%
Short Ratio10.61
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)3.7%
PT rev (3m)3.7%
EPS NQ rev (1m)-45.97%
EPS NQ rev (3m)-61.47%
EPS NY rev (1m)-0.3%
EPS NY rev (3m)-36.61%
Revenue NQ rev (1m)-0.3%
Revenue NQ rev (3m)-4.67%
Revenue NY rev (1m)-0.02%
Revenue NY rev (3m)-0.02%
Valuation
Industry RankSector Rank
PE 126.77
Fwd PE 26.65
P/S 3.16
P/FCF 78.15
P/OCF 20.56
P/B 1.45
P/tB 2.88
EV/EBITDA N/A
EPS(TTM)0.44
EY0.79%
EPS(NY)2.09
Fwd EY3.75%
FCF(TTM)0.71
FCFY1.28%
OCF(TTM)2.71
OCFY4.86%
SpS17.67
BVpS38.45
TBVpS19.39
PEG (NY)4.99
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
WACC10.74%
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 Y25.42%
EPS Next 2Y96.89%
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%