TRIUMPH FINANCIAL INC (TFIN) Fundamental Analysis & Valuation

NYSE:TFIN • US89679E3009

Current stock price

61.7 USD
-0.11 (-0.18%)
Last:

This TFIN fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. TFIN Profitability Analysis

1.1 Basic Checks

  • TFIN had positive earnings in the past year.
  • In the past year TFIN had a positive cash flow from operations.
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50M 100M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 0.35%, TFIN is doing worse than 88.59% of the companies in the same industry.
  • With a Return On Equity value of 2.35%, TFIN is not doing good in the industry: 89.66% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA 0.35%
ROE 2.35%
ROIC N/A
ROA(3y)0.42%
ROA(5y)0.99%
ROE(3y)2.73%
ROE(5y)6.42%
ROIC(3y)N/A
ROIC(5y)N/A
TFIN Yearly ROA, ROE, ROICTFIN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • The Profit Margin of TFIN (5.04%) is worse than 90.72% of its industry peers.
  • 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) 5.04%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-37.28%
PM growth 5Y-22.5%
GM growth 3YN/A
GM growth 5YN/A
TFIN Yearly Profit, Operating, Gross MarginsTFIN Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

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2

2. TFIN Health Analysis

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 more shares outstanding
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M 25M
TFIN Yearly Total Debt VS Total AssetsTFIN Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B

2.2 Solvency

  • TFIN has a debt to FCF ratio of 3.59. This is a good value and a sign of high solvency as TFIN would need 3.59 years to pay back of all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 3.59, TFIN is doing worse than 62.33% of the companies in the same industry.
  • 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 61.54% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.12
Debt/FCF 3.59
Altman-Z N/A
ROIC/WACCN/A
WACC10.88%
TFIN Yearly LT Debt VS Equity VS FCFTFIN Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. TFIN Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 72.22% over the past year.
  • TFIN shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -18.20% yearly.
  • TFIN shows a small growth in Revenue. In the last year, the Revenue has grown by 5.68%.
  • Measured over the past years, TFIN shows a small growth in Revenue. The Revenue has been growing by 4.93% on average per year.
EPS 1Y (TTM)72.22%
EPS 3Y-38.3%
EPS 5Y-18.2%
EPS Q2Q%492.31%
Revenue 1Y (TTM)5.68%
Revenue growth 3Y-3.24%
Revenue growth 5Y4.93%
Sales Q2Q%2.52%

3.2 Future

  • The Earnings Per Share is expected to grow by 68.84% on average over the next years. This is a very strong growth
  • The Revenue is expected to grow by 9.16% on average over the next years. This is quite good.
EPS Next Y84.67%
EPS Next 2Y68.84%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year7.05%
Revenue Next 2Y9.16%
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 accelerating.
TFIN Yearly Revenue VS EstimatesTFIN Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 100M 200M 300M 400M 500M
TFIN Yearly EPS VS EstimatesTFIN Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3 4

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2

4. TFIN Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 66.34, TFIN can be considered very expensive at the moment.
  • Based on the Price/Earnings ratio, TFIN is valued expensively inside the industry as 90.19% of the companies are valued cheaper.
  • TFIN's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 27.18.
  • Based on the Price/Forward Earnings ratio of 35.93, the valuation of TFIN can be described as expensive.
  • Based on the Price/Forward Earnings ratio, TFIN is valued expensively inside the industry as 81.43% of the companies are valued cheaper.
  • TFIN is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 37.96, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 66.34
Fwd PE 35.93
TFIN Price Earnings VS Forward Price EarningsTFIN Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, TFIN is valued expensively inside the industry as 83.82% of the companies are valued cheaper.
Industry RankSector Rank
P/FCF 46.73
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 low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • TFIN's earnings are expected to grow with 68.84% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.78
PEG (5Y)N/A
EPS Next 2Y68.84%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. TFIN Dividend Analysis

5.1 Amount

  • No dividends for TFIN!.
Industry RankSector Rank
Dividend Yield 0%

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TFIN Fundamentals: All Metrics, Ratios and Statistics

TRIUMPH FINANCIAL INC

NYSE:TFIN (4/14/2026, 9:56:55 AM)

61.7

-0.11 (-0.18%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-26
Earnings (Next)04-21
Inst Owners100.79%
Inst Owner Change0.02%
Ins Owners4.22%
Ins Owner Change-0.73%
Market Cap1.47B
Revenue(TTM)439.50M
Net Income(TTM)22.16M
Analysts50
Price Target68.34 (10.76%)
Short Float %13.74%
Short Ratio12.91
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly Dividend0.14
Dividend Growth(5Y)14.84%
DP14.47%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)43.21%
Min EPS beat(2)-69.3%
Max EPS beat(2)155.73%
EPS beat(4)2
Avg EPS beat(4)13.4%
Min EPS beat(4)-170.03%
Max EPS beat(4)155.73%
EPS beat(8)3
Avg EPS beat(8)-14.46%
EPS beat(12)4
Avg EPS beat(12)-11.61%
EPS beat(16)6
Avg EPS beat(16)-4.52%
Revenue beat(2)0
Avg Revenue beat(2)-4.89%
Min Revenue beat(2)-5.98%
Max Revenue beat(2)-3.8%
Revenue beat(4)1
Avg Revenue beat(4)-3.61%
Min Revenue beat(4)-5.98%
Max Revenue beat(4)0.11%
Revenue beat(8)1
Avg Revenue beat(8)-4.27%
Revenue beat(12)1
Avg Revenue beat(12)-4.11%
Revenue beat(16)3
Avg Revenue beat(16)-1.92%
PT rev (1m)0%
PT rev (3m)8.06%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.41%
EPS NY rev (1m)0%
EPS NY rev (3m)-4.29%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.12%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-2.33%
Valuation
Industry RankSector Rank
PE 66.34
Fwd PE 35.93
P/S 3.34
P/FCF 46.73
P/OCF 21.89
P/B 1.56
P/tB 2.98
EV/EBITDA N/A
EPS(TTM)0.93
EY1.51%
EPS(NY)1.72
Fwd EY2.78%
FCF(TTM)1.32
FCFY2.14%
OCF(TTM)2.82
OCFY4.57%
SpS18.47
BVpS39.59
TBVpS20.69
PEG (NY)0.78
PEG (5Y)N/A
Graham Number28.78
Profitability
Industry RankSector Rank
ROA 0.35%
ROE 2.35%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 5.04%
GM N/A
FCFM 7.15%
ROA(3y)0.42%
ROA(5y)0.99%
ROE(3y)2.73%
ROE(5y)6.42%
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-37.28%
PM growth 5Y-22.5%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.07
Health
Industry RankSector Rank
Debt/Equity 0.12
Debt/FCF 3.59
Debt/EBITDA N/A
Cap/Depr 95.68%
Cap/Sales 8.11%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 141.78%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC10.88%
ROIC/WACCN/A
Cap/Depr(3y)161.82%
Cap/Depr(5y)118.32%
Cap/Sales(3y)12.71%
Cap/Sales(5y)8.75%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)72.22%
EPS 3Y-38.3%
EPS 5Y-18.2%
EPS Q2Q%492.31%
EPS Next Y84.67%
EPS Next 2Y68.84%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)5.68%
Revenue growth 3Y-3.24%
Revenue growth 5Y4.93%
Sales Q2Q%2.52%
Revenue Next Year7.05%
Revenue Next 2Y9.16%
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 1Y222.18%
FCF growth 3Y-20.95%
FCF growth 5Y-16.99%
OCF growth 1Y14.56%
OCF growth 3Y-3.44%
OCF growth 5Y-7.17%

TRIUMPH FINANCIAL INC / TFIN Fundamental Analysis FAQ

What is the ChartMill fundamental rating of TRIUMPH FINANCIAL INC (TFIN) stock?

ChartMill assigns a fundamental rating of 3 / 10 to TFIN.


Can you provide the valuation status for TRIUMPH FINANCIAL INC?

ChartMill assigns a valuation rating of 2 / 10 to TRIUMPH FINANCIAL INC (TFIN). This can be considered as Overvalued.


What is the profitability of TFIN stock?

TRIUMPH FINANCIAL INC (TFIN) has a profitability rating of 2 / 10.


How financially healthy is TRIUMPH FINANCIAL INC?

The financial health rating of TRIUMPH FINANCIAL INC (TFIN) is 2 / 10.


How sustainable is the dividend of TRIUMPH FINANCIAL INC (TFIN) stock?

The dividend rating of TRIUMPH FINANCIAL INC (TFIN) is 0 / 10 and the dividend payout ratio is 14.47%.