Triumph Financial (TFIN) AI Stock Analysis

• Market Cap: $1.29B
• Dividend Yield: N/A
• Average Volume (3M): 254.19K
• Price to Earnings (P/E): 191.1
• Beta (1Y): 1.51
• 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: 1.21
• Enterprise Value/Revenue: 3.27
• Enterprise Value/Gross Profit: 3.79
• Enterprise Value/Ebitda: 36.16
• 1Y Price Target: $63.67
• Price Target Upside: 16.40% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 5
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 64 Neutral
• Price Target: $58.00 ▲(6.03% Upside)

Triumph Financial's overall stock score is primarily influenced by its strong revenue growth and stable balance sheet, despite challenges in profitability and valuation concerns. The technical indicators suggest potential for a trend reversal, while the earnings call highlights both strategic advancements and ongoing challenges.

Triumph Financial Business Overview & Revenue Model

Company Description

Triumph Financial, Inc. (TFIN) is a financial services company specializing in providing a range of banking and financing solutions primarily for the transportation and logistics sectors. The company operates through various segments, including commercial financing, factoring, and banking services, catering to the unique needs of small to mid-sized businesses. Triumph Financial is dedicated to delivering innovative financial solutions that enable its clients to optimize cash flow and enhance operational efficiency.

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. 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	448.62M	416.91M	586.28M	662.69M	565.60M	538.70M
Total Debt	0.00	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: Negative
• Last Price: 54.70
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For TFIN, the sentiment is Negative. The current price of 54.7 is above the 20-day moving average (MA) of 53.69, below the 50-day MA of 55.74, and below the 200-day MA of 59.93, indicating a neutral trend. The MACD of 0.77 indicates Negative momentum. The RSI at 49.69 is Neutral, neither overbought nor oversold. The STOCH value of 15.14 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for TFIN.

Triumph Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
NBHC	71 Outperform	$1.36B	11.35	9.06%	3.19%	-2.46%	-1.98%
HOPE	68 Neutral	$1.33B	26.27	2.19%	5.19%	-7.89%	―
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
TCBK	67 Neutral	$1.45B	12.52	9.20%	3.01%	0.93%	5.65%
TFIN	64 Neutral	$1.29B	191.08	1.11%	―	2.04%	-64.17%
DCOM	61 Neutral	$1.15B	23.02	4.23%	3.78%	-1.79%	-23.80%
BY	58 Neutral	$1.23B	9.58	10.78%	1.49%	1.46%	2.02%

Triumph Financial Corporate Events

Triumph Financial Reports Q3 2025 Earnings

Triumph Financial, Inc., headquartered in Dallas, Texas, is a financial holding company that offers a diverse range of banking, factoring, payments, and intelligence services through its subsidiaries, primarily TBK Bank. In its latest earnings report for the quarter ending September 30, 2025, Triumph Financial reported a net income of $1.7 million, a decrease from $5.3 million in the same quarter of the previous year. The company saw a rise in noninterest income, driven by fee income and gains on loan sales, but faced increased noninterest expenses, particularly in salaries and benefits. Triumph Financial also highlighted its strategic acquisition of Greenscreens AI, Inc., enhancing its offerings in the logistics industry. Looking forward, the company is focusing on cost-saving initiatives and technological investments to strengthen its competitive position and support sustainable growth.

Triumph Financial Balances Growth and Challenges in Earnings Call

Triumph Financial, Inc. Balances Achievements and Challenges in Latest Earnings Call

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.

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 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.

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 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.