Triumph Financial (TFIN) AI Stock Analysis

• Market Cap: $1.52B
• Dividend Yield: N/A
• Average Volume (3M): 194.52K
• Price to Earnings (P/E): 146.0
• Beta (1Y): 1.41
• Revenue Growth: 2.02%
• EPS Growth: -60.54%
• Country: US
• Employees: 1,547
• Sector: Financial
• Sector Strength: 71
• Industry: Banks - Regional
• EPS (TTM): 0.15
• Shares Outstanding: 23,734,074
• 10 Day Avg. Volume: 193,016
• 30 Day Avg. Volume: 194,520
• PEG Ratio: N/A
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: 1.03
• Enterprise Value/Revenue: 3.16
• Enterprise Value/Gross Profit: 3.81
• Enterprise Value/Ebitda: 33.93
• 1Y Price Target: $64.67
• Price Target Upside: 1.28% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 4

• Rating: 68 Neutral
• Price Target: $67.00 ▲(4.93% Upside)

Triumph Financial's overall stock score is driven by strong earnings call insights and positive technical indicators, indicating short-term strength. However, high valuation metrics and profitability pressures weigh down the score. Strategic corporate events and a stable financial position provide a balanced outlook.

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 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: Positive
• Last Price: 63.85
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

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 63.85 is above the 20-day moving average (MA) of 57.98, above the 50-day MA of 59.58, and below the 200-day MA of 68.60, indicating a neutral trend. The MACD of 1.49 indicates Negative momentum. The RSI at 65.20 is Neutral, neither overbought nor oversold. The STOCH value of 85.45 is Negative, 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
TCBK	76 Outperform	$1.50B	13.59	9.17%	2.99%	1.15%	-0.39%
WABC	75 Outperform	$1.28B	10.47	14.60%	3.63%	-10.55%	-16.51%
VBTX	75 Outperform	$1.90B	16.49	7.25%	2.45%	-1.28%	32.40%
CCB	69 Neutral	$1.75B	33.76	12.23%	―	9.22%	18.60%
Sector *	68 Neutral	$18.06B	11.97	10.24%	3.74%	9.75%	1.30%
TFIN	68 Neutral	$1.52B	145.98	1.52%	―	2.02%	-60.54%
HOPE	65 Neutral	$1.44B	31.65	1.92%	5.04%	-12.55%	-59.97%

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.

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.

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.

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.

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.

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.