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Triumph Financial (TFIN)
NYSE:TFIN
TFIN Stock Chart & Stats
$59.65
$0.57(0.66%)
At close: 4:00 PM EST
$59.65
$0.57(0.66%)
Day’s Range― - ―
52-Week Range$42.90 - $77.84
Previous CloseN/A
Volume27.33K
Average Volume (3M)254.19K
Market Cap
$1.42B
Enterprise Value$1.17B
Total Cash (Recent Filing)$612.75M
Total Debt (Recent Filing)$0.00
Price to Earnings (P/E)58.3
Beta1.40
Next Earnings
Apr 22, 2026EPS Estimate
0.13Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.77
Shares Outstanding23,793,964
10 Day Avg. Volume312,204
30 Day Avg. Volume254,188
Financial Highlights & Ratios
PEG Ratio0.82
Price to Book (P/B)1.57
Price to Sales (P/S)2.87
P/FCF Ratio29.22
Enterprise Value/Market Cap0.82
Enterprise Value/Revenue2.35
Enterprise Value/Gross Profit2.69
Enterprise Value/Ebitda24.46
Forecast
1Y Price Target
$69.33Price Target Upside16.23% Upside
Rating ConsensusHold
Number of Analyst Covering3
EPS Forecast (FY)1.7
Revenue Forecast (FY)$463.30M
Bulls Say, Bears Say
Bulls Say
Balance Sheet StrengthTriumph’s low leverage and growing equity provide durable financial flexibility, lowering funding risk and supporting lending and platform investments. A conservatively levered bank can sustain shocks, finance growth initiatives, and support preferred dividend commitments without immediate capital raises.
Payments Margin And MonetizationExpanding core payments margins and higher invoice monetization indicate improved unit economics and scalable fee capture. Sustained margin gains and rising fee-bearing transaction share can drive structurally higher cash earnings as volumes scale and pricing/contract repricings take hold over 2–6 months and beyond.
Strategic Network PartnershipsSecuring top freight participants strengthens network effects, raises barriers to entry, and supports long-term transaction volume growth. High-profile partners improve credibility with brokers/carriers and increase probability of sustained adoption and cross-sell across banking and payments offerings.
Bears Say
Weak Cash GenerationRecent negative free cash flow and slipping operating cash flow reduce internal funding for growth and cushion for credit losses. Over several quarters this can force reliance on external funding or slower reinvestment, constraining balance-sheet deployment and product scaling.
Profitability And ROE CompressionMaterial margin compression and collapsing ROE signal structural pressure on core banking and platform profitability. If margins do not sustainably recover, returns on capital remain weak, limiting ability to generate excess capital for growth, dividends, or buybacks over the medium term.
Execution, Scale And Product Under-penetration RiskKey growth engines are still small and cross-sell penetration is low, creating execution risk if adoption lags. Non-core ABL exposure adds credit and strategic noise. Failure to scale these products or improve cross-sell would limit revenue diversification and margin upside over the next several quarters.
Triumph Financial News
TFIN FAQ
What was Triumph Financial’s price range in the past 12 months?
Triumph Financial lowest stock price was $42.90 and its highest was $77.84 in the past 12 months.
What is Triumph Financial’s market cap?
Triumph Financial’s market cap is $1.42B.
When is Triumph Financial’s upcoming earnings report date?
Triumph Financial’s upcoming earnings report date is Apr 22, 2026 which is in 46 days.
How were Triumph Financial’s earnings last quarter?
Triumph Financial released its earnings results on Jan 26, 2026. The company reported $0.77 earnings per share for the quarter, beating the consensus estimate of $0.296 by $0.474.
Is Triumph Financial overvalued?
According to Wall Street analysts Triumph Financial’s price is currently Undervalued.
Does Triumph Financial pay dividends?
Triumph Financial pays a Notavailable dividend of $17.81 which represents an annual dividend yield of N/A. See more information on Triumph Financial dividends here
What is Triumph Financial’s EPS estimate?
Triumph Financial’s EPS estimate is 0.13.
How many shares outstanding does Triumph Financial have?
Triumph Financial has 23,793,964 shares outstanding.
What happened to Triumph Financial’s price movement after its last earnings report?
Triumph Financial reported an EPS of $0.77 in its last earnings report, beating expectations of $0.296. Following the earnings report the stock price went down -7.2%.
Which hedge fund is a major shareholder of Triumph Financial?
Currently, no hedge funds are holding shares in TFIN
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Triumph Financial Stock Smart Score
Neutral
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Hold
Average Price Target:
$69.33 (16.23% Upside)
$69.33 (16.23% Upside)
Blogger Sentiment
Bullish
TFIN Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Increased
By 123.9K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Bought Shares
Worth $304.4K over
the Last 3 Months
the Last 3 Months
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-34.96%
12-Months-Change
Fundamentals
Return on Equity
1.11%
Trailing 12-Months
Asset Growth
8.37%
Trailing 12-Months
Company Description
Triumph Financial
Triumph Financial Inc., a financial and technology company, focuses on payments, factoring, and banking. It operates through a portfolio of brands, including TriumphPay, Triumph, and TBK Bank. The company offers cash flow management services for the trucking industry comprising invoice factoring, fuel discount programs, truck and cargo insurance, and equipment finance, banking, and treasury services. It also provides factoring products and services; insurance products and services; and equipment finance and asset based lending products and services. The company was formerly known as Triumph Bancorp, Inc. and changed its name to Triumph Financial Inc. in December 2022. Triumph Financial Inc. was founded in 1981 and is headquartered in Dallas, Texas.
TFIN Earnings Call
Q4 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call emphasized improving underlying profitability and monetization: core payments margins are expanding (29.5% in Q4, >30% targeted for 2026), factoring margins improved to ~33% with a goal above 40%, monetization of invoices rose to 35% (38% in December), strategic customer wins (JB Hunt, 8 of top 10 brokers) and $6M/year of cost savings underpin a positive operational trajectory. Key growth engines (Load Pay, factoring-as-a-service, intelligence cross-sell and TFX) have clear plans and early traction but remain at modest current scale, creating execution risk. There are near-term headwinds from seasonality, certain legacy assets (ABL non-transport exposure) and the need to further drive cross-sell and factor adoption. Overall, the positive momentum on margins, monetization, strategic partnerships and booked intelligence revenue outweighs the execution and scale risks noted.View all TFIN earnings summariesTFIN Stock 12 Month Forecast
Average Price Target
$69.33
▲(16.23% Upside)
Technical Analysis
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Ownership Overview
5.11% Insiders
28.75% Mutual Funds
30.18% Other Institutional Investors
12.18% Public Companies and
Individual Investors