Triumph Financial (TFIN) AI Stock Analysis

• Market Cap: $1.47B
• Dividend Yield: N/A
• Average Volume (3M): 254.19K
• Price to Earnings (P/E): 218.8
• Beta (1Y): 1.36
• Revenue Growth: 2.04%
• EPS Growth: -64.17%
• Country: US
• Employees: 1,547
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.04
• Shares Outstanding: 23,763,401
• 10 Day Avg. Volume: 312,204
• 30 Day Avg. Volume: 254,188
• PEG Ratio: -1.99
• Price to Book (P/B): 2.38
• Price to Sales (P/S): 4.34
• P/FCF Ratio: -74.02
• Enterprise Value/Market Cap: 1.06
• Enterprise Value/Revenue: 3.27
• Enterprise Value/Gross Profit: 3.79
• Enterprise Value/Ebitda: 36.16
• 1Y Price Target: $63.67
• Price Target Upside: 2.58% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 5
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 67 Neutral
• Price Target: $66.00 ▲(6.33% Upside)

Triumph Financial's overall score reflects a mix of strengths and challenges. The strong technical trend and positive corporate actions are offset by high valuation concerns and financial performance risks. The earnings call provided a balanced view, with strategic initiatives countered by ongoing challenges.

Positive Factors

Strategic Partnerships

The expanded partnership with NFI enhances Triumph's service offerings, potentially increasing market share and strengthening its competitive position in the logistics sector.

Expense Reduction

Reducing expenses by 5% supports margin expansion and operational efficiency, improving long-term profitability and financial health.

Product Development

Developing LoadPay into a comprehensive banking solution for truckers positions Triumph as a key player in the transportation finance industry, driving future growth.

Negative Factors

Revenue Decline

Declining revenue growth indicates potential challenges in maintaining market position and could impact long-term financial performance if not addressed.

Tricolor Bankruptcy Impact

The Tricolor bankruptcy poses financial risks and uncertainties, potentially affecting Triumph's credit quality and financial stability.

Freight Market Challenges

Ongoing freight market difficulties could hinder Triumph's growth prospects and operational effectiveness, affecting long-term strategic goals.

Triumph Financial Business Overview & Revenue Model

Company Description

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.

How the Company Makes Money

Triumph Financial generates revenue primarily through its factoring services, where it purchases accounts receivable from trucking companies at a discount, providing immediate cash flow to its clients. This allows transportation businesses to meet their operational costs without waiting for customer payments. Additionally, TFIN earns money from interest and fees associated with its transportation financing products, including loans and credit lines. The company may also benefit from strategic partnerships with freight brokers and logistics companies that enhance its client base and service offerings. Revenue is further supplemented by ancillary services that support the financial needs of its customers.

Triumph Financial Financial Statement Overview

Summary

Triumph Financial shows strong revenue growth and a stable balance sheet with reduced leverage. However, profitability has been under pressure, as evidenced by declining profit margins and ROE. Cash flow position remains stable but requires careful management of investment activities. The company needs to focus on improving operational efficiency and profitability to enhance its financial health.

Income Statement

Triumph Financial has demonstrated a consistent revenue growth trajectory, with a revenue increase from $372.74M in 2020 to $494.52M in the TTM (Trailing-Twelve-Months) ending June 2025. However, gross profit margins have slightly decreased from 79.7% in 2020 to 82.9% in TTM. The net profit margin has seen a significant drop from 17.2% in 2020 to 2.8% in the TTM, indicating a pressure on profitability. The EBIT and EBITDA margins have also contracted over the period, reflecting challenges in operational efficiency.

Balance Sheet

The company's financial leverage has decreased, with the debt-to-equity ratio improving from 0.59 in 2020 to 0.12 in the TTM. Stockholders' equity has shown a modest rise, reflecting a stable equity base. However, the return on equity (ROE) has significantly dropped from 15.5% in 2020 to 1.5% in the TTM, indicating reduced profitability on equity. The equity ratio remains stable at about 14%, suggesting a conservative capital structure.

Cash Flow

Triumph Financial's cash flow performance has been mixed. The free cash flow has fluctuated, with a significant improvement from a negative $28.59M in 2024 to a positive $26.57M in the TTM. The operating cash flow to net income ratio indicates a strong cash conversion, despite a decline in net income. However, investing cash flows have been significantly negative, reflecting high investment activity, which could be a risk if not managed effectively.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	478.45M	487.63M	471.85M	502.94M	442.00M	372.74M
Gross Profit	413.11M	397.10M	406.05M	477.63M	432.46M	297.03M
EBITDA	43.26M	53.82M	82.52M	166.29M	167.87M	103.76M
Net Income	9.18M	16.09M	41.08M	102.31M	112.97M	64.02M
Balance Sheet
Total Assets	6.36B	5.95B	5.35B	5.33B	5.96B	5.94B
Cash, Cash Equivalents and Short-Term Investments	244.78M	416.91M	586.28M	662.69M	565.60M	538.70M
Total Debt	392.66M	142.01M	405.42M	179.30M	356.81M	427.54M
Total Liabilities	5.44B	5.06B	4.48B	4.44B	5.10B	5.21B
Stockholders Equity	919.33M	890.92M	864.40M	888.97M	858.86M	726.78M
Cash Flow
Free Cash Flow	28.61M	-28.59M	16.24M	63.58M	122.60M	79.75M
Operating Cash Flow	67.56M	58.57M	60.06M	80.75M	136.96M	97.33M
Investing Cash Flow	-865.93M	-590.03M	-129.56M	666.11M	77.66M	-774.74M
Financing Cash Flow	456.31M	574.94M	-52.05M	-721.87M	-145.83M	793.92M

Triumph Financial Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 62.07
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• 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 Positive. The current price of 62.07 is above the 20-day moving average (MA) of 59.22, above the 50-day MA of 55.99, and above the 200-day MA of 56.99, indicating a bullish trend. The MACD of 2.29 indicates Negative momentum. The RSI at 60.31 is Neutral, neither overbought nor oversold. The STOCH value of 72.47 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for TFIN.

Triumph Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
NBHC	79 Outperform	$1.50B	12.55	9.06%	3.02%	-2.46%	-1.98%
TCBK	78 Outperform	$1.62B	14.02	9.20%	2.77%	0.93%	5.65%
BY	78 Outperform	$1.40B	10.88	10.78%	1.31%	1.31%	2.02%
DCOM	70 Neutral	$1.39B	27.86	4.23%	3.14%	-1.79%	-23.87%
HOPE	69 Neutral	$1.47B	28.90	2.19%	4.89%	-7.96%	-52.79%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
TFIN	67 Neutral	$1.47B	218.79	1.11%	―	2.04%	-64.17%

Triumph Financial Corporate Events

Triumph Financial Declares Quarterly Dividend for Series C

On November 28, 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, with a payment date set for December 30, 2025. This announcement underscores Triumph Financial’s commitment to providing returns to its shareholders and may impact its financial positioning and stakeholder confidence.

Triumph Financial Announces $30 Million Share Buyback

On October 15, 2025, Triumph Financial‘s board authorized a $30 million share repurchase program, reflecting confidence in the company’s intrinsic value. The company reported a net income of $0.9 million for the third quarter, despite non-core expenses from restructuring efforts. Triumph Financial is focused on expense reduction and margin improvement, with a 5% reduction in total expenses achieved in the third quarter. The company continues to invest in AI tools and expects further efficiency gains. Triumph Financial’s transportation revenue grew by 3.7% quarter-over-quarter, with a positive outlook for future growth. The company remains committed to serving its customers and improving shareholder value, despite challenges in the freight market.

Triumph Financial Faces Impact from Tricolor Bankruptcy

Triumph Financial‘s wholly-owned subsidiary, TBK Bank, SSB, is involved in a $60.5 million loan facility with Tricolor Holdings, LLC as the lead borrower. On September 10, 2025, Tricolor filed for Chapter 7 bankruptcy, prompting the bank to work on securing and consolidating its vehicle collateral.