Triumph Financial (TFIN) AI Stock Analysis

• Market Cap: $1.51B
• Dividend Yield: N/A
• Average Volume (3M): 231.81K
• Price to Earnings (P/E): 141.7
• Beta (1Y): 1.39
• Revenue Growth: 2.02%
• EPS Growth: -60.54%
• Country: US
• Employees: 1,547
• Sector: Financial
• Sector Strength: 75
• Industry: Banks - Regional
• EPS (TTM): 0.15
• Shares Outstanding: 23,734,074
• 10 Day Avg. Volume: 229,475
• 30 Day Avg. Volume: 231,805
• PEG Ratio: 5.67
• Price to Book (P/B): 1.60
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 74.44
• Enterprise Value/Market Cap: 0.92
• Enterprise Value/Revenue: 0.71
• Enterprise Value/Gross Profit: 3.37
• Enterprise Value/Ebitda: 6.64
• 1Y Price Target: $58.33
• Price Target Upside: -5.90% Downside
• Rating Consensus: Hold
• Number of Analyst Covering: 4

• Rating: 70 Outperform
• Price Target: $68.00 ▲(9.70%Upside)

Triumph Financial's overall score reflects a stable financial position and strong strategic initiatives, particularly in transportation and payments. Despite high valuation concerns and profitability pressures, positive corporate events and technical momentum support a favorable outlook.

Triumph Financial Business Overview & Revenue Model

Company Description

Triumph Financial (TFIN) is a diversified financial services company operating primarily in the commercial banking sector. The company offers a variety of financial products and services, including commercial lending, equipment financing, and factoring, catering to businesses across different industries. Triumph Financial is committed to providing customized financial solutions to meet the unique needs of its clients, fostering growth and stability within the communities it serves.

How the Company Makes Money

Triumph Financial makes money through multiple revenue streams centered around its core financial services offerings. A significant portion of its revenue is generated from interest income on loans and advances provided to commercial clients. The company also earns fees from its factoring services, where it purchases accounts receivable from businesses at a discount and collects the owed amounts. Additionally, Triumph Financial generates income from equipment financing solutions, providing businesses with the necessary capital to acquire machinery and equipment. These activities are supported by strategic partnerships with other financial institutions, enhancing the company's ability to offer competitive terms and expand its market presence.

Triumph Financial Financial Statement Overview

Summary

Triumph Financial shows stability in its balance sheet with moderate leverage and a stable equity base. However, the income statement indicates operational challenges with declining revenue and profitability pressures. Despite increased capital expenditures, cash flows are strong, indicating efficient cash management.

Income Statement

Triumph Financial's income statement shows mixed performance. The TTM (Trailing-Twelve-Months) gross profit margin remains at 100%, which is typical for banks due to the nature of their revenue recognition. However, the net profit margin for TTM is only 2.56%, indicating pressure on profitability. Revenue growth has been inconsistent, with a recent decline from the previous year. The EBIT margin is negative for TTM at -11.47%, reflecting operational challenges, although the EBITDA margin is slightly positive at 2.71%.

Balance Sheet

The balance sheet of Triumph Financial is relatively strong with a debt-to-equity ratio of 0.35, indicating moderate leverage for a regional bank. The equity ratio stands at 14.27% for TTM, showcasing a stable capital structure. ROE for the TTM is 1.25%, which is low, suggesting challenges in generating returns on equity despite a solid equity base.

Cash Flow

Cash flow analysis indicates a positive but modest free cash flow growth rate in the latest period. The operating cash flow to net income ratio is 2.23 for TTM, highlighting robust cash flow generation relative to earnings. Free cash flow to net income ratio is 7.21, pointing to strong free cash flow relative to profits, although capital expenditures have increased, impacting free cash flow growth.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	487.63M	471.85M	502.94M	442.00M	372.74M
Gross Profit	397.10M	406.05M	477.63M	432.46M	297.03M
EBITDA	53.82M	82.52M	166.29M	167.87M	103.76M
Net Income	16.09M	41.08M	102.31M	112.97M	64.02M
Balance Sheet
Total Assets	5.95B	5.35B	5.33B	5.96B	5.94B
Cash, Cash Equivalents and Short-Term Investments	416.91M	586.28M	662.69M	565.60M	538.70M
Total Debt	142.01M	405.42M	179.30M	356.81M	427.54M
Total Liabilities	5.06B	4.48B	4.44B	5.10B	5.21B
Stockholders Equity	890.92M	864.40M	888.97M	858.86M	726.78M
Cash Flow
Free Cash Flow	-28.59M	16.24M	63.58M	122.60M	79.75M
Operating Cash Flow	58.57M	60.06M	80.75M	136.96M	97.33M
Investing Cash Flow	-590.03M	-129.56M	666.11M	77.66M	-774.74M
Financing Cash Flow	574.94M	-52.05M	-721.87M	-145.83M	793.92M

Triumph Financial Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 61.99
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For TFIN, the sentiment is Neutral. The current price of 61.99 is above the 20-day moving average (MA) of 60.58, above the 50-day MA of 59.43, and below the 200-day MA of 73.51, indicating a neutral trend. The MACD of 1.61 indicates Negative momentum. The RSI at 52.80 is Neutral, neither overbought nor oversold. The STOCH value of 24.87 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for TFIN.

Triumph Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
WABC	76 Outperform	$1.33B	10.60	14.60%	3.62%	-10.55%	-16.51%
CCB	74 Outperform	$1.46B	29.48	12.78%	―	16.62%	18.72%
VBTX	73 Outperform	$1.74B	16.09	7.07%	2.74%	1.41%	19.00%
TFIN	70 Outperform	$1.51B	141.72	1.52%	―	2.02%	-60.54%
HOPE	70 Outperform	$1.44B	14.64	4.44%	4.97%	-11.94%	-21.67%
TCBK	70 Outperform	$1.38B	12.45	9.38%	3.14%	3.01%	4.55%
Sector *	68 Neutral	$16.73B	11.75	9.79%	3.76%	11.87%	-7.97%

Triumph Financial Corporate Events

Triumph Financial Reports Q2 Gains Amid USPS Settlement

In the second quarter of 2025, Triumph Financial reported a net income of $3.6 million, or $0.15 per diluted share, despite a challenging market environment. A significant portion of the quarter’s gains came from settling a long-standing litigation with the United States Postal Service, recovering a $19.4 million receivable. Additionally, the company acquired a non-performing equipment finance loan at a discount, expecting future income from its liquidation. Triumph Financial’s transportation revenue grew by 15.2%, and the company closed the acquisition of Greenscreens, enhancing its intelligence segment. The LoadPay platform also gained traction, with increased account openings and partnerships with major freight brokers, indicating potential for future growth.

The most recent analyst rating on (TFIN) stock is a Hold with a $84.00 price target. To see the full list of analyst forecasts on Triumph Financial stock, see the TFIN Stock Forecast page.

Triumph Financial Declares Quarterly Cash Dividend

On May 30, 2025, Triumph Financial announced a quarterly cash dividend of $17.81 per share on its 7.125% Series C Fixed-Rate Non-Cumulative Perpetual Preferred Stock. The dividend, payable on June 30, 2025, reflects the company’s ongoing commitment to providing returns to its shareholders. This announcement may impact the company’s financial positioning and stakeholder confidence, particularly in the context of its focus on modernizing freight transactions.

The most recent analyst rating on (TFIN) stock is a Hold with a $84.00 price target. To see the full list of analyst forecasts on Triumph Financial stock, see the TFIN Stock Forecast page.

Triumph Financial Acquires Greenscreens.ai for Strategic Growth

On May 8, 2025, Triumph Financial completed its acquisition of Greenscreens.ai, a company known for its innovative freight technology solutions. This strategic move is expected to enhance Triumph’s offerings in transportation intelligence by providing dynamic pricing infrastructure and real-time decision support. The acquisition aims to empower brokers and shippers with precise data-driven insights, thus improving market operations and customer choice. The integration of Greenscreens.ai into Triumph’s operations will be led by Dawn Salvucci-Favier, who will oversee the development of a new rating and performance platform.

Triumph Financial Shareholders Vote on Key Matters

Triumph Financial, Inc. held its Annual Meeting where shareholders voted on several key matters. The meeting included the election of directors for a one-year term, approval of executive compensation, the frequency of future say-on-pay votes, the Fourth Amendment to the 2014 Omnibus Incentive Plan, and the ratification of Crowe LLP as the independent auditor. These decisions reflect the company’s ongoing governance and strategic planning efforts, potentially impacting its operational and financial direction.