Triumph Financial (TFIN) AI Stock Analysis

• Market Cap: $1.22B
• Dividend Yield: N/A
• Average Volume (3M): 246.53K
• Price to Earnings (P/E): 180.8
• Beta (1Y): 1.40
• 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: 294,633
• 30 Day Avg. Volume: 246,531
• 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: 1.28
• Enterprise Value/Revenue: 3.16
• Enterprise Value/Gross Profit: 3.82
• Enterprise Value/Ebitda: 33.96
• 1Y Price Target: $58.33
• Price Target Upside: 10.64% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 5

• Rating: 62 Neutral
• Price Target: $54.00 ▲(2.43% Upside)

Triumph Financial's overall stock score reflects strong revenue growth and strategic initiatives to improve efficiency. However, the high P/E ratio suggests overvaluation, and technical indicators point to a bearish trend. The earnings call highlights both achievements and challenges, contributing to a neutral sentiment. The company's focus on operational efficiency and profitability will be crucial for future performance.

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 commercial financing and factoring services, where it earns fees and interest on the financing provided to clients. The company assesses the creditworthiness of clients and offers tailored financial products that meet their specific needs. Key revenue streams include factoring fees, interest income from loans, and service charges associated with banking services. Additionally, Triumph Financial has established partnerships with various transportation and logistics companies, enhancing its customer base and facilitating a steady flow of business. The company's ability to leverage data analytics for risk assessment and client management further contributes to its profitability.

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.

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	494.52M	487.63M	471.85M	502.94M	442.00M	372.74M
Gross Profit	410.05M	397.10M	406.05M	477.63M	432.46M	297.03M
EBITDA	46.07M	53.82M	82.52M	166.29M	167.87M	103.76M
Net Income	13.62M	16.09M	41.08M	102.31M	112.97M	64.02M
Balance Sheet
Total Assets	6.49B	5.95B	5.35B	5.33B	5.96B	5.94B
Cash, Cash Equivalents and Short-Term Investments	674.62M	416.91M	586.28M	662.69M	565.60M	538.70M
Total Debt	112.45M	142.01M	405.42M	179.30M	356.81M	427.54M
Total Liabilities	5.58B	5.06B	4.48B	4.44B	5.10B	5.21B
Stockholders Equity	912.38M	890.92M	864.40M	888.97M	858.86M	726.78M
Cash Flow
Free Cash Flow	26.57M	-28.59M	16.24M	63.58M	122.60M	79.75M
Operating Cash Flow	64.37M	58.57M	60.06M	80.75M	136.96M	97.33M
Investing Cash Flow	-934.58M	-590.03M	-129.56M	666.11M	77.66M	-774.74M
Financing Cash Flow	651.89M	574.94M	-52.05M	-721.87M	-145.83M	793.92M

Triumph Financial Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 52.72
• 50DMA: Negative
• 100DMA: Negative
• 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 52.72 is above the 20-day moving average (MA) of 50.04, below the 50-day MA of 55.06, and below the 200-day MA of 61.60, indicating a neutral trend. The MACD of -1.79 indicates Negative momentum. The RSI at 53.26 is Neutral, neither overbought nor oversold. The STOCH value of 63.15 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
NBHC	72 Outperform	$1.35B	11.49	9.15%	3.24%	0.60%	-6.31%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
HOPE	62 Neutral	$1.29B	28.30	1.92%	5.56%	-12.55%	-59.97%
DCOM	62 Neutral	$1.22B	33.03	3.24%	3.58%	-3.08%	-45.24%
TFIN	62 Neutral	$1.22B	180.79	1.11%	―	2.04%	-64.17%
TCBK	60 Neutral	$1.33B	12.04	9.17%	3.31%	1.15%	-0.39%
BY	55 Neutral	$1.18B	9.61	10.69%	1.52%	2.23%	-1.13%

Triumph Financial Corporate Events

Triumph Financial Declares Quarterly Dividend Announcement

On August 29, 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 will be payable on September 30, 2025, to shareholders of record as of September 15, 2025. This announcement reflects the company’s ongoing commitment to providing returns to its shareholders and may impact its financial operations and stakeholder interests.

The most recent analyst rating on (TFIN) stock is a Hold with a $65.00 price target. To see the full list of analyst forecasts on Triumph Financial stock, see the TFIN Stock Forecast page.

Triumph Financial Announces 5% Workforce Reduction

On August 20, 2025, Triumph Financial, Inc. announced a workforce reduction of approximately 5% as part of a broader cost-saving initiative. This move, expected to incur charges of about $4.5 million in the third quarter of 2025, aims to generate annualized cash savings of $18 to $20 million, with most savings realized by the fourth quarter of 2025. The reorganization is driven by technological advancements that have reduced the need for certain roles, aiming to strengthen the company’s competitive position and support long-term growth.

The most recent analyst rating on (TFIN) stock is a Hold with a $56.00 price target. To see the full list of analyst forecasts on Triumph Financial stock, see the TFIN Stock Forecast page.

Triumph Financial Transfers Stock Listing to NYSE

On August 7, 2025, Triumph Financial announced its decision to transfer the listing of its common and preferred stock from Nasdaq to the New York Stock Exchange (NYSE), effective around August 19, 2025, with a dual listing on NYSE Texas starting August 20, 2025. This strategic move is expected to enhance the company’s value and align it with other leading companies, reflecting Triumph’s commitment to growth and its Texas roots.

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 Announces Executive Departure Agreement

On July 25, 2025, Triumph Financial announced that Melissa-Forman Barenblit, who had ceased her role as an executive officer on March 19, 2025, entered into a Separation Agreement with TBK Bank. The agreement concluded her employment with TBK Bank, releasing her from certain obligations and confirming that no further severance or benefits would be owed. This move marks a significant change in Triumph Financial’s executive structure, potentially impacting its operational dynamics and stakeholder relations.

The most recent analyst rating on (TFIN) stock is a Hold with a $55.00 price target. To see the full list of analyst forecasts on Triumph Financial stock, see the TFIN Stock Forecast page.