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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 Small Cap
Triumph Financial, Inc. (TFIN), is a Small Cap company, in the Banks - Regional industry, last closed at $68.40, about 43.4% overvalued vs fair value, +26.6% 1Y return, ranked 661/1037 in sector.
Metrics P/E 67.4× Rev Growth 2.0% ROE 2.8% Div Yield 0.22%
$68.40
-1.10%
As of April 28, 2026
Previous close • Vol 90d: 47.6%
52-Week Range
Market Cap
$1.63B
Enterprise Value
$1.77B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Fair
Health
Weak
Efficiency
Good
Valuation
Fair
Growth
Fair
Profitability
Fair
Health
Weak
Efficiency
Good
Valuation
Fair
Completeness: 82%
Confidence: 89%
Updated: Mar 8
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 Apr 22 Estimated

Fair Value Snapshot

Bear Base Bull
$21
$39
$73
Current: $68.40 -43% 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
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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
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Moat Analysis Bank Specialized

Competitive Advantage Assessment

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

Overall Moat Strength
25
/100
Weak
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Weak
17
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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 (43.9%), Profitability (23.8%), and Safety (32.4%). Growth 44% Safety 32% Profitability 24%

Click axes to expand details. Marker shows current allocation.

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Growth

59th percentile vs peers
60
Key Signals
Asset Growth YoY 7.3% 69p EPS Growth YoY 71.5% 88p NII Growth YoY 0.0% 42p Equity Growth YoY 6.0% 44p
Strengths
  • EPS Growth YoY in top 20% of peers (71.5%, 88th percentile)
  • Net Interest Margin in top 20% of peers (5.5%, 96th percentile)
  • Equity/Assets in top 20% of peers (14.8%, 89th percentile)
Risks

No significant risks identified for this axis.

Profitability

32th percentile vs peers
32
Key Signals
Strengths
Risks
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Safety

44th percentile vs peers
44
Key Signals
Strengths
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Two Futures

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

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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:

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  • Shell companies or holding companies
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Bear
-
- - -
- upside
-
Base
$38.74
- - -
-43.4% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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