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TFIN Stock Chart & Stats
$66.38
$0.57(0.66%)
At close: 4:00 PM EST
$66.38
$0.57(0.66%)
Day’s Range― - ―
52-Week Range$46.43 - $80.47
Previous CloseN/A
Volume27.33K
Average Volume (3M)254.19K
Market Cap
$1.78B
Enterprise Value$1.77B
Total Cash (Recent Filing)$403.94M
Total Debt (Recent Filing)$143.08M
Price to Earnings (P/E)65.2
Beta1.29
Next Earnings
Jul 21, 2026EPS Estimate
0.44Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)1.19
Shares Outstanding23,806,253
10 Day Avg. Volume312,204
30 Day Avg. Volume254,188
Financial Highlights & Ratios
PEG Ratio0.94
Price to Book (P/B)1.57
Price to Sales (P/S)2.87
P/FCF Ratio29.22
Enterprise Value/Market Cap1.00
Enterprise Value/Revenue3.53
Enterprise Value/Gross Profit4.00
Enterprise Value/Ebitda25.68
Forecast
1Y Price Target
$67.33Price Target Upside1.44% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering3
EPS Forecast (FY)1.85
Revenue Forecast (FY)$457.54M
Bulls Say, Bears Say
Bulls Say
Conservative Balance Sheet (no Reported Debt)Zero reported debt and steadily growing equity (~$859M in 2021 to ~$951M TTM) give Triumph durable financial flexibility. That conservative capital structure lowers solvency risk, supports funding receivables and product investments internally, and cushions macro or credit shocks over the medium term.
Improving Cash Generation And Free Cash FlowConsistent operating cash flow and material free cash flow coverage (FCF covers ~79% of net income TTM) indicate earnings quality and internal funding ability. Strong FCF growth reduces reliance on external funding and supports reinvestment into payments/factoring capabilities and preferred dividend obligations.
Strong Transportation Revenue Growth And Margin ProgressSustained ~20%+ transportation revenue growth and reported margin gains in Factoring/Payments imply durable demand and improving unit economics. Management cites invoice price increases, invoices/FTE productivity gains and margin targets, supporting scalable revenue and higher long-run profitability in core verticals.
Bears Say
Declining Revenue And Weak Returns On EquityA sharp TTM revenue decline and sub-3% ROE indicate the company’s capital base is currently under-earning. Persistently low returns constrain reinvestment payoff, make accretive capital allocation harder, and lengthen the runway before equity generates normalized bank-like or fintech margins.
Banking Revenue And Yield Pressure; Loan Portfolio Wind-downStructural yield compression and planned wind-down of ABL/liquid credit portfolios reduce predictable interest income and scale in the banking unit. Declining bank loan balances lower net interest margin contribution and shift revenue mix toward fee businesses before those businesses reach full profitability.
Investments In Non‑profitable Businesses Keeping Expenses ElevatedGrowth initiatives (LoadPay, Intelligence) are scaling but not yet profitable, keeping the corporate expense base high (Q2 guide ~$97M). Sustained investment needs reduce near-term free cash flow available for deleveraging or returns and heighten execution risk if revenue conversion lags expectations.
Triumph Financial News
TFIN FAQ
What was Triumph Financial’s price range in the past 12 months?
Triumph Financial lowest stock price was $46.43 and its highest was $80.47 in the past 12 months.
What is Triumph Financial’s market cap?
Triumph Financial’s market cap is $1.78B.
When is Triumph Financial’s upcoming earnings report date?
Triumph Financial’s upcoming earnings report date is Jul 21, 2026 which is in 10 days.
How were Triumph Financial’s earnings last quarter?
Triumph Financial released its earnings results on Apr 21, 2026. The company reported $0.23 earnings per share for the quarter, beating the consensus estimate of $0.152 by $0.078.
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 0.44.
How many shares outstanding does Triumph Financial have?
Triumph Financial has 23,806,253 shares outstanding.
What happened to Triumph Financial’s price movement after its last earnings report?
Triumph Financial reported an EPS of $0.23 in its last earnings report, beating expectations of $0.152. Following the earnings report the stock price went down -6.257%.
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
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10
Analyst Consensus
Moderate Buy
Average Price Target:
$67.33 (1.44% Upside)
$67.33 (1.44% Upside)
Blogger Sentiment
Bullish
TFIN Sentiment 100%
Sector Average 67%
Sector Average 67%
Hedge Fund Trend
Increased
By 119.9K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Bought Shares
Worth $275.6K over
the Last 3 Months
the Last 3 Months
Technicals
SMA
Negative
20 days / 200 days
Momentum
-34.96%
12-Months-Change
Fundamentals
Return on Equity
3.40%
Trailing 12-Months
Asset Growth
9.70%
Trailing 12-Months
Company Description
Triumph Financial
Triumph Financial, Inc., a financial technology enterprise founded in 1981 and based in Dallas, Texas, centers its operations on payments, factoring, and banking. The company, which rebranded from Triumph Bancorp, Inc. in December 2022, executes its strategy through various subsidiaries, including TriumphPay, Triumph, and TBK Bank. It offers a comprehensive array of cash flow management services specifically designed for the trucking industry, encompassing invoice factoring, fuel discount programs, truck and cargo insurance, equipment financing, and general banking and treasury functionalities. Additionally, Triumph Financial provides a broader range of financial solutions such as factoring products, diverse insurance offerings, equipment finance, and asset-based lending.
TFIN Earnings Call
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call conveyed a constructive and optimistic tone anchored by strong transportation revenue growth (+23% YoY) and improving margins in Factoring and Payments (Factoring margin +80% YoY improvement; Payments on track to ~50% EBITDA margin). Management highlighted meaningful operational efficiency gains (invoices/FTE) and rising average invoice prices (from $1,769 to $2,011 QTD), plus traction in LoadPay and Intelligence. Near-term headwinds include a weaker banking segment (core banking revenue down ~12% YoY), yield compression from rates and mix, continued investments in non‑profitable but growing businesses (LoadPay, Intelligence), an elevated expense base (Q2 guide $97M), and regulatory/legal uncertainties that could introduce volatility. Overall, the positive growth, margin progress, and operational improvements were presented as outweighing the near-term banking and expense challenges.View all TFIN earnings summariesTFIN Stock 12 Month Forecast
Average Price Target
$67.33
▲(1.44% Upside)
Technical Analysis
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Ownership Overview
4.52% Insiders
26.31% Mutual Funds
0.99% Other Institutional Investors
42.07% Public Companies and
Individual Investors