Triumph Financial, Inc. (TFIN)

NYQ – Real Time Price. Currency in USD

76.64

+0.30 (0.40%)

Market open: Aug 12, 2026, 10:01 AM EDT

76.34

0.00 (0.00%)

Previous after-hours: Aug 11, 2026, 4:20 PM EDT

Stock details

Previous close: 75.3$
Day's range: 74.35 - 75.93$
52-week range: 46.43 - 83.52$
Volume: 126 874
Average volume: 201 839
Beta: 0.84
EPS (TTM): 1.49
PE ratio (TTM): 51.05
Forward P/E: 38.26
Market cap: 1 799 258 684
Shares outstanding: 23 894 538
Dividend yield: N/A
Next earnings date: 2026-10-21
Sector: Financials
Industry: Banks - Regional

About the company

Triumph Financial, Inc., a financial holding company, provides banking, factoring, payments, and intelligence services in the United States. It offers deposit products, including checking, savings, money market, and certificates of deposit; and loan products, such as commercial real estate, commercial construction, land, and land development, residential real estate, agriculture, and consumer loans, as well as commercial and ... read more

CEO: Aaron Graft
Country: United States
IPO Date
Employees: 1443
Fiscal Year End: January - December
Website: https://triumph.io

Revenue Breakdown

Banking / 53.26%

Factoring / 27.21%

Payments / 15.53%

News

No Data

There are no news for this stock.

Chart: TFIN

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Overall Score

4.3 / 1043%

Octagon View

Strength & Weakness

Cash reserves $0.0 barely cover the upcoming debt maturities $113.3M

Total current assets $0.0 are just enough to cover Total current liabilities $0.0, indicating tight liquidity

Debt-to-equity ratio (0.1) is well below the industry average (0.1), showcasing prudent financial management

The company has no interest-bearing debt, showcasing excellent financial strength

The company generates positive free cash flow $42.7M, supporting its financial health

Financial Strength

NAME	RATIO	INDUSTRY	SCORE
Current ratio	0.17	2.82	2.0
Quick ratio	N/A	2.82	1.0
Debt to Equity	0.12	0.05	9.0
Debt to Assets	0.02	0.09	9.0
Interest coverage	N/A	N/A	10
Weighted average score			6.2

Debt to Assets

Financial

Values in USD
(B=Billions, M=Millions, K=Thousands)

Values in USD (B=Billions, M=Millions, K=Thousands)

METRIC	2022	2023	2024	2025	TTM
Total Revenue	503M	473M	488M	504M	540M
Gross Profit	N/A	N/A	N/A	N/A	N/A
Operating Income	137M	53M	20M	20M	50M
Net Income	102M	41M	16M	25M	39M
EBITDA	N/A	N/A	N/A	N/A	N/A

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

NAME	RATIO	INDUSTRY	SCORE
Gross margin %	N/A	48.43	1.0
Operating margin %	14.46	0.44	7.0
Net margin %	9.32	32.70	7.0
EBITDA margin %	N/A	0.00	1.0
Cash flow margin %	31.25	0.00	10
Weighted average score			5.2

Net Margin

Effectiveness

NAME	RATIO	INDUSTRY	SCORE
ROA	0.40	1.46	2.0
ROE	2.86	14.94	3.0
ROIC	2.33	0.00	5.0
ROCE	N/A	0.00	1.0
Weighted average score			2.8

Estimated EPS vs Actual EPS

Forecast

NAME	REVENUE GROWTH	EPS GROWTH	SCORE
Current quarter	12.72	1405	9.0
Next quarter	18.58	-7.79	5.0
Current year	13.47	111.61	9.0
Next year	10.47	60.67	8.5
Weighted average score			7.9

Analyst Rating

Growth

NAME	REVENUE	NET INCOME	EPS	FCF	SCORE
Q/Q	21.23	78.91	91.3	1190.02	10
Y/Y	14.89	157.24	193.33	1125.19	9.5
3y average	0.15	-21.01	-17.84	365.5	3.5
5y average	6.58	0.8	13.84	220.42	6.3
Weighted average score					7.3

Revenue Growth Rate vs. Industry

Valuation

NAME	RATIO	INDUSTRY	SCORE
P/E	51.36	11.16	2.2
PEG (5yr expected)	N/A	98.42	1.0
P/S	4.14	3.37	4.0
P/B	1.98	1.53	4.8
Weighted average score			3.0

DCF Model

DCF Model Period5 years

Discount rate11.92%

Perpetual growth rate3%

Revenue 5 year CAGR6.78%

FCF 5 year CAGR4

Fair value29.49$

Stock price75.3$

Dividend

NAME	CURRENT	INDUSTRY	SCORE
Dividend yield	0.00	N/A	1.0
Payout ratio	0.00	N/A	1.0
5-year dividend growth rate	N/A	N/A	1.0
Years of dividend increase	N/A	N/A	1.0
Weighted average score			1.0

Fair Value

$29.49

UndervaluedStock priceOvervalued

$75.3

Economic Moat

NAME	SCALE	SCORE
Market share	None	1.0
Intangible assets	None	1.0
Switching costs	None	1.0
Network effect	None	1.0
Economies of scale	None	1.0
Weighted average score		1.0

About the company

CEO

Aaron Graft

Country

United States

IPO Date

Employees

1443

Fiscal Year End

January - December

Website

https://triumph.io

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Current ratio

0.17

2.82

2.0

Quick ratio

N/A

2.82

1.0

Debt to Equity

0.12

0.05

9.0

Debt to Assets

0.02

0.09

9.0

Interest coverage

N/A

Weighted average score

6.2

METRIC

2022

2023

2024

2025

TTM

Total Revenue

503M

473M

488M

504M

540M

Gross Profit

N/A

Operating Income

137M

53M

20M

50M

Net Income

102M

41M

16M

25M

39M

EBITDA

N/A

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Gross margin %

N/A

48.43

1.0

Operating margin %

14.46

0.44

7.0

Net margin %

9.32

32.70

7.0

EBITDA margin %

N/A

0.00

1.0

Cash flow margin %

31.25

0.00

Weighted average score

5.2

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

ROA

0.40

1.46

2.0

ROE

2.86

14.94

3.0

ROIC

2.33

0.00

5.0

ROCE

N/A

0.00

1.0

Weighted average score

2.8

NAME

REVENUE GROWTH

EPS GROWTH

SCORE

Current quarter

12.72

1405

9.0

Next quarter

18.58

-7.79

5.0

Current year

13.47

111.61

9.0

Next year

10.47

60.67

8.5

Weighted average score

7.9

NAME

REVENUE

NET INCOME

EPS

FCF

SCORE

Q/Q

21.23

78.91

91.3

1190.02

Y/Y

14.89

157.24

193.33

1125.19

9.5

3y average

0.15

-21.01

-17.84

365.5

3.5

5y average

6.58

0.8

13.84

220.42

6.3

Weighted average score

7.3

NAME

RATIO

INDUSTRY

5Q TREND

SCORE

P/E

51.36

11.16

2.2

PEG (5yr expected)

N/A

98.42

1.0

P/S

4.14

3.37

4.0

P/B

1.98

1.53

4.8

Weighted average score

3.0

NAME

CURRENT

INDUSTRY

SCORE

Dividend yield

0.00

N/A

1.0

Payout ratio

0.00

N/A

1.0

5-year dividend growth rate

N/A

1.0

Years of dividend increase

N/A

1.0

Weighted average score

1.0

NAME

SCALE

SCORE

Market share

None

1.0

Intangible assets

None

1.0

Switching costs

None

1.0

Network effect

None

1.0

Economies of scale

None

1.0

Weighted average score

1.0

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Triumph Financial, Inc. (TFIN)

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Triumph Financial, Inc. (TFIN)

Stock details

About the company

Revenue Breakdown

News

Chart: TFIN

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$29.49

$75.3

Economic Moat

Stock details

About the company

Revenue Breakdown

News

Chart: TFIN

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$29.49

$75.3

Economic Moat