Triumph Financial (TFIN)
NYSE:TFIN
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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 - $77.84
Previous CloseN/A
Volume27.33K
Average Volume (3M)254.19K
Market Cap
$1.60B
Enterprise Value$1.68B
Total Cash (Recent Filing)$403.94M
Total Debt (Recent Filing)$143.08M
Price to Earnings (P/E)55.8
Beta1.34
Next Earnings
Jul 22, 2026EPS Estimate
0.43Next 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 Ratio0.82
Price to Book (P/B)1.57
Price to Sales (P/S)2.87
P/FCF Ratio29.22
Enterprise Value/Market Cap1.05
Enterprise Value/Revenue3.35
Enterprise Value/Gross Profit3.80
Enterprise Value/Ebitda33.82
Forecast
1Y Price Target
$71.00Price Target Upside6.96% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering3
EPS Forecast (FY)1.74
Revenue Forecast (FY)$458.89M
Bulls Say, Bears Say
Bulls Say
Transportation Revenue GrowthSustained double‑digit transportation revenue growth demonstrates product-market fit in freight finance and payments. Over the next 2–6 months higher transaction volumes and recurring platform fees should deepen network effects, support scale economics, and underpin durable top-line expansion independent of bank cycles.
Margin And Productivity GainsMaterial margin improvement and productivity gains reflect structural operating leverage from automation and scale. Higher invoices per FTE and targeted Factoring/Payments margin tailwinds (Factoring exit target ~40%, Payments toward ~50% EBITDA) indicate sustainable margin expansion as volumes normalize and pricing initiatives complete.
Conservative Balance Sheet & Cash FlowA debt-free reported position and positive free cash flow provide durable financial flexibility to fund product investments and cover elevated expenses without immediate external financing. FCF covering ~79% of net income signals earnings quality and resilience across the next several quarters.
Bears Say
Banking Revenue & Yield PressureStructural pressure from falling rates, mortgage-warehouse rebate mechanics and expected lower bank loan balances will dampen net interest income for multiple quarters. With ABL/liquid portfolios being wound down, the banking franchise is likely to be a persistent drag on consolidated revenue and earnings in the near term.
Revenue Decline And Low ROEA significant TTM revenue contraction and depressed ROE indicate the company’s capital base is under-earning. Even as margins recover, restoring historical revenue levels and returns will take several quarters given mix shifts, legacy portfolio wind‑downs, and the time needed for new platform monetization to scale.
Elevated Expense & Unprofitable Growth UnitsSustained investment in unprofitable growth businesses and a raised expense base reduce near‑term operating leverage. Over the next 2–6 months profitability is sensitive to execution on pricing, customer monetization and integration; failure to convert growth to profit would constrain margin targets and cash conversion.
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 $77.84 in the past 12 months.
What is Triumph Financial’s market cap?
Triumph Financial’s market cap is $1.60B.
When is Triumph Financial’s upcoming earnings report date?
Triumph Financial’s upcoming earnings report date is Jul 22, 2026 which is in 75 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 0.43.
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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Analyst Consensus
Moderate Buy
Average Price Target:
$71.00 (6.96% Upside)
$71.00 (6.96% 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 $474.5K 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
3.40%
Trailing 12-Months
Asset Growth
9.70%
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
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
$71.00
▲(6.96% Upside)
Technical Analysis
Hope Bancorp
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Dime Community Bancshares
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Trico Bancshares
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National Bank Holdings
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Byline Bancorp
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Ownership Overview
4.50% Insiders
26.75% Mutual Funds
1.77% Other Institutional Investors
42.17% Public Companies and
Individual Investors