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Triumph Financial
(NYSE:TFIN)
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Rating:68Neutral
Price Target:
$85.00
▲(10.52% Upside)
Action:Reiterated
Date:08/18/26
TFIN’s score is driven primarily by improving underlying financial quality (conservative leverage and solid cash generation) and a constructive technical uptrend. These positives are tempered by an expensive valuation (high P/E, no dividend yield provided) and earnings-call risks around segment execution (Intelligence) plus sensitivity to market-driven invoice pricing and expense variability.
Positive Factors
Conservative Balance Sheet
Very low leverage gives Triumph financial flexibility to absorb credit or funding stress and continue investing in transportation platforms. Growing equity also supports resilience, although current returns on that capital remain modest.
Negative Factors
Revenue and Margin Volatility
The decline in trailing revenue and still-normalized profitability show that Triumph’s earnings power has not yet returned to prior-cycle levels. This limits confidence in steady compounding and leaves results sensitive to banking and freight conditions.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative Balance Sheet
Very low leverage gives Triumph financial flexibility to absorb credit or funding stress and continue investing in transportation platforms. Growing equity also supports resilience, although current returns on that capital remain modest.
Read all positive factors
Triumph Financial (TFIN) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$1.76B
Dividend YieldN/A
Average Volume (3M)254.19K
Price to Earnings (P/E)49.8
Beta (1Y)1.23
Revenue Growth9.21%
EPS Growth234.88%
CountryUS
Employees1,442
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.48
Shares Outstanding23,894,537
10 Day Avg. Volume312,204
30 Day Avg. Volume254,188
Financial Highlights & Ratios
PEG Ratio0.94
Price to Book (P/B)1.57
Price to Sales (P/S)2.87
P/FCF Ratio29.22
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$85.00Price Target Upside10.52% Upside
Rating ConsensusHold
Number of Analyst Covering4
EPS Forecast (FY)1.98
Revenue Forecast (FY)$474.94M
Triumph Financial Business Overview & Revenue Model
Company Description
Triumph Financial, Inc., a financial technology enterprise founded in 1981 and based in Dallas, Texas, centers its operations on payments, factoring, and banking. The company, which rebranded from Triumph Bancorp, Inc. in December 2022, executes i...
How the Company Makes Money
Triumph Financial makes money primarily through a combination of (1) traditional banking income and (2) fee-based payments/processing and factoring-related income tied to freight transportation workflows. On the banking side, revenue is generated ...
Triumph Financial Earnings Call Summary
Earnings Call Date:Jul 21, 2026
(Q2-2026)
| % Change Since: |
Next Earnings Date:Oct 21, 2026
Earnings Call Sentiment Positive
Management presented a strong operational quarter with several clear wins: higher invoice pricing, robust transportation revenue momentum (organic mid‑teens with potential to approach ~30% total growth), high factoring margins (~40%), and rapid LoadPay growth (49% Q/Q) with a 2027 breakeven target. They also outlined planned efficiency targets and investments to drive longer‑term margin expansion. Key risks highlighted include slower‑than‑expected scaling of the Intelligence business, expense/incentive accrual noise, and dependence on market-driven invoice pricing that could revert. On balance, the call emphasized durable operational improvements and upward momentum, while acknowledging areas that need continued execution.Positive Updates
Strong Quarter and Market Tailwinds
Management described the quarter as outstanding with material expansion on core initiatives and positive market tailwinds that improved performance versus recent history.
Negative Updates
Intelligence Segment Underperformance and Slow Scaling
Intelligence revenue was relatively flat over the last four quarters and 'did not scale as quickly' as management expected. They acknowledged disappointing near‑term results, the need to improve retention, product-market fit, and to grow ARR.
Read all updates
Q2-2026 Updates
Positive
Negative
Strong Quarter and Market Tailwinds
Management described the quarter as outstanding with material expansion on core initiatives and positive market tailwinds that improved performance versus recent history.
Read all positive updates
Company Guidance
Management quantified sensitivity and reiterated targets: the prior Q4’26 EPS run‑rate (~$0.50–$2.00 using average transportation invoices of ~$1,800) would rise roughly $0.20–$0.25 given today’s ~$2,200 invoices, consistent with about $7.0M of annualized pre‑tax income per $100 change in invoice prices; they expect organic transportation revenue growth in the mid‑teens (versus a 20% Q4 target and ~30% when including market‑driven invoice inflation), plan roughly $99M of cost saves in Q3 and $98M in Q4, see expenses trending modestly higher in 2027 (with incentive resets), aim to keep factoring margins at ~40% and push them higher (targeting a 5–7% ROAA), expect LoadPay to hit breakeven by end‑2027 after 49% Q/Q revenue growth and revenue per active carrier approaching ~$750, and anticipate Payments (including LoadPay) delivering north of ~25% EBITDA on a GAAP basis.Triumph Financial Financial Statement Overview
Summary
Income Statement
54
Neutral
Balance Sheet
78
Positive
Cash Flow
72
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 480.19M | 516.08M | 487.63M | 471.85M | 502.94M | 442.00M |
| Gross Profit | 412.81M | 433.05M | 397.10M | 406.05M | 477.63M | 432.46M |
| EBITDA | 75.36M | 47.86M | 53.82M | 82.52M | 166.29M | 167.87M |
| Net Income | 38.65M | 25.36M | 16.09M | 41.08M | 102.31M | 112.97M |
Balance Sheet | ||||||
| Total Assets | 7.40B | 6.38B | 5.95B | 5.35B | 5.33B | 5.96B |
| Cash, Cash Equivalents and Short-Term Investments | 342.16M | 612.75M | 416.91M | 586.28M | 662.69M | 565.60M |
| Total Debt | 113.30M | 392.87M | 142.01M | 405.42M | 179.30M | 356.81M |
| Total Liabilities | 6.44B | 5.44B | 5.06B | 4.48B | 4.44B | 5.10B |
| Stockholders Equity | 963.26M | 941.77M | 890.92M | 864.40M | 888.97M | 858.86M |
Cash Flow | ||||||
| Free Cash Flow | 93.19M | 50.62M | -28.59M | 16.24M | 63.58M | 122.60M |
| Operating Cash Flow | 112.11M | 67.06M | 58.57M | 60.06M | 80.75M | 136.96M |
| Investing Cash Flow | -345.87M | -525.48M | -590.03M | -129.56M | 666.11M | 77.66M |
| Financing Cash Flow | 848.23M | 376.77M | 574.94M | -52.05M | -721.87M | -145.83M |
Triumph Financial Risk Analysis
Triumph Financial disclosed 76 risk factors in its most recent earnings report. Triumph Financial reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Triumph Financial Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | $1.72B | 11.49 | 11.75% | 1.14% | 2.81% | 23.43% | |
73 Outperform | $1.78B | 14.53 | 8.67% | 2.53% | 14.80% | 226.31% | |
73 Outperform | $1.72B | 12.86 | 10.23% | 2.48% | 3.50% | 23.44% | |
70 Outperform | $1.77B | 13.92 | 5.61% | 4.16% | 7.35% | 178.63% | |
68 Neutral | $1.76B | 49.78 | 4.09% | ― | 9.21% | 234.88% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $1.84B | 16.07 | 6.47% | 2.94% | 8.27% | -23.33% |
* Financial Sector Average
TFIN
Triumph Financial
73.68
12.00
19.46%
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Triumph Financial Corporate Events
Dividends
Triumph Financial Declares Quarterly Dividend on Series C Preferred
Positive
May 29, 2026
On May 29, 2026, Triumph Financial, Inc. announced that its board of directors declared a quarterly cash dividend of $17.81 per share on its 7.125% Series C Fixed-Rate Non-Cumulative Perpetual Preferred Stock, equivalent to $0.44525 per depositary...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.