Skip to content
Company Analysis

Triumph Financial, Inc. TFIN

A comprehensive view of key metrics, scores, and financial health for Triumph Financial, Inc.

Overview of Triumph Financial, Inc.

TFIN NYQ
Financial Services Banks - Regional Framework: Banks & Lenders Small Cap
Triumph Financial, Inc. (TFIN), is a Small Cap company, in the Banks - Regional industry, last closed at $79.19, about 50.7% overvalued vs fair value, +36.4% 1Y return, ranked 811/1078 in sector.
Metrics P/E 67.4× Rev Growth 2.0% ROE 2.8% Gross Margin 102.2% Div Yield 0.22%
USD 79.19
1.72%
(Delayed)
• Vol 90d: 37.3%
52-Week Range
Market Cap
$1.85B
Enterprise Value
$1.41B
Overall Score
View breakdown
Overall
Growth
Weak
Profitability
Weak
Health
Weak
Efficiency
Fair
Valuation
Fair
Growth
Weak
Profitability
Weak
Health
Weak
Efficiency
Fair
Valuation
Fair
Completeness: 82%
Confidence: 86%
Updated: Jul 5
Top Beats
No strong beats yet

Quick Facts

Website https://triumph.io
HQ Dallas, TX
Employees 1,450
Fiscal year Dec 31

Next Events

Earnings Jul 15 Estimated

Fair Value Snapshot

Bear Base Bull
$22
$39
$73
Current: $79.19 -51% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$430.5M
1.9%%
Interest Expense
$79.9M
Net Interest Income
$350.6M
0%%
Total Revenue
$423.8M
2%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
2.5%
Poor

Net Income / Equity - key bank profitability metric

Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium

Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$5.4M
24.5% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
2
Active Leaks
1/2
Improving
0
High Impact
1
Critical
Locked Leak
Upgrade to view details
Premium
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Triumph Financial, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
23
/100
Weak
Scores based on quantitative metrics and qualitative factors

Upgrade to unlock interactive defense details

Premium access

Unlock full defense analysis

Get key signals, strengths, and risks for every moat dimension.

Upgrade to Premium Unlock all moat defenses and evidence.

Deposit Franchise

Weak
20
Premium
Unlock full defense details

See key signals plus strengths and risks for this moat dimension.

Upgrade for full defense analysis Premium-only evidence and insights.
For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing TFIN's balance between Growth (33.1%), Profitability (23.0%), and Safety (43.9%). Growth 33% Safety 44% Profitability 23%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
Upgrade to unlock the full 3-year trend analysis and deltas.

Growth

48th percentile vs peers
49
Key Signals
Asset Growth YoY 7.3% 66p EPS Growth YoY 71.5% 83p Equity Growth YoY 6.0% 35p NII Growth YoY 0.0% 18p
Strengths
  • EPS Growth YoY in top 20% of peers (71.5%, 83th percentile)
  • Net Interest Margin in top 20% of peers (5.5%, 93th percentile)
  • Equity/Assets in top 20% of peers (14.8%, 84th percentile)
  • Financial Leverage in top 20% of peers (7.08, 82th percentile)
Risks
  • NII Growth YoY in bottom 20% of peers (0.0%)

Profitability

33th percentile vs peers
34
Key Signals
Strengths
Risks
Premium
Unlock full Profitability drilldowns

See the signal-level drivers and insights behind this axis. Upgrade to reveal the full Trade-Off Ledger.

Upgrade Now

Safety

64th percentile vs peers
65
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

Scenario-based fair value ranges for Triumph Financial, Inc..

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
X.X%
X%XX%
X.X%
-XX%XX%
XX.X%
-XX%XX%
Adjust the sliders above to explore different valuation scenarios.
Unlock Premium
Reveal the full Scenario Theatre
See live sliders, narratives, and full Bear/Base/Bull outcomes.
Upgrade Now
Bear
-
- - -
- upside
-
Base
$39.01
- - -
-50.7% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
Actions & Info
Send Feedback
Please select a category.
0/1000