Logo image of TFIN

TRIUMPH FINANCIAL INC (TFIN) Stock Fundamental Analysis

NASDAQ:TFIN - Nasdaq - US89679E3009 - Common Stock - Currency: USD

49.5  +1.06 (+2.19%)

After market: 49.5 0 (0%)

Fundamental Rating

3

TFIN gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 398 industry peers in the Banks industry. TFIN has a bad profitability rating. Also its financial health evaluation is rather negative. TFIN is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

Quickly go to:

2

1. Profitability

1.1 Basic Checks

TFIN had positive earnings in the past year.
TFIN had a positive operating cash flow in the past year.
In the past 5 years TFIN has always been profitable.
In the past 5 years TFIN always reported a positive cash flow from operatings.
TFIN Yearly Net Income VS EBIT VS OCF VS FCFTFIN Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M 100M

1.2 Ratios

The Return On Assets of TFIN (0.14%) is worse than 88.94% of its industry peers.
TFIN's Return On Equity of 0.98% is on the low side compared to the rest of the industry. TFIN is outperformed by 89.20% of its industry peers.
Industry RankSector Rank
ROA 0.14%
ROE 0.98%
ROIC N/A
ROA(3y)0.93%
ROA(5y)1.14%
ROE(3y)5.66%
ROE(5y)7.67%
ROIC(3y)N/A
ROIC(5y)N/A
TFIN Yearly ROA, ROE, ROICTFIN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

TFIN has a Profit Margin of 2.10%. This is amonst the worse of the industry: TFIN underperforms 89.70% of its industry peers.
In the last couple of years the Profit Margin of TFIN has declined.
TFIN does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 2.1%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-50.74%
PM growth 5Y-31.37%
GM growth 3YN/A
GM growth 5YN/A
TFIN Yearly Profit, Operating, Gross MarginsTFIN Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

More info and screens

3

2. Health

2.1 Basic Checks

TFIN does not have a ROIC to compare to the WACC, probably because it is not profitable.
TFIN has more shares outstanding than it did 1 year ago.
The number of shares outstanding for TFIN has been reduced compared to 5 years ago.
TFIN has a better debt/assets ratio than last year.
TFIN Yearly Shares OutstandingTFIN Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M 25M
TFIN Yearly Total Debt VS Total AssetsTFIN Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B 5B

2.2 Solvency

The Debt to FCF ratio of TFIN is 3.19, which is a good value as it means it would take TFIN, 3.19 years of fcf income to pay off all of its debts.
TFIN's Debt to FCF ratio of 3.19 is in line compared to the rest of the industry. TFIN outperforms 40.95% of its industry peers.
A Debt/Equity ratio of 0.13 indicates that TFIN is not too dependend on debt financing.
TFIN's Debt to Equity ratio of 0.13 is fine compared to the rest of the industry. TFIN outperforms 67.59% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.13
Debt/FCF 3.19
Altman-Z N/A
ROIC/WACCN/A
WACC11.07%
TFIN Yearly LT Debt VS Equity VS FCFTFIN Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M 400M 600M 800M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
TFIN Yearly Current Assets VS Current LiabilitesTFIN Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M

More info and screens

5

3. Growth

3.1 Past

TFIN shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -71.76%.
TFIN shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -24.83% yearly.
TFIN shows a small growth in Revenue. In the last year, the Revenue has grown by 0.37%.
TFIN shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 7.66% yearly.
EPS 1Y (TTM)-71.76%
EPS 3Y-50.15%
EPS 5Y-24.83%
EPS Q2Q%-121.43%
Revenue 1Y (TTM)0.37%
Revenue growth 3Y-0.61%
Revenue growth 5Y7.66%
Sales Q2Q%0.53%

3.2 Future

TFIN is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 103.27% yearly.
Based on estimates for the next years, TFIN will show a quite strong growth in Revenue. The Revenue will grow by 10.56% on average per year.
EPS Next Y97.86%
EPS Next 2Y103.27%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year8.44%
Revenue Next 2Y10.56%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
TFIN Yearly Revenue VS EstimatesTFIN Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 100M 200M 300M 400M 500M
TFIN Yearly EPS VS EstimatesTFIN Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3 4

More info and screens

2

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 133.78 indicates a quite expensive valuation of TFIN.
Based on the Price/Earnings ratio, TFIN is valued expensively inside the industry as 87.19% of the companies are valued cheaper.
TFIN is valuated expensively when we compare the Price/Earnings ratio to 28.64, which is the current average of the S&P500 Index.
TFIN is valuated rather expensively with a Price/Forward Earnings ratio of 22.18.
TFIN's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. TFIN is more expensive than 77.14% of the companies in the same industry.
TFIN is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 21.44, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 133.78
Fwd PE 22.18
TFIN Price Earnings VS Forward Price EarningsTFIN Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80 100

4.2 Price Multiples

80.65% of the companies in the same industry are cheaper than TFIN, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 32.98
EV/EBITDA N/A
TFIN Per share dataTFIN EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
TFIN's earnings are expected to grow with 103.27% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.37
PEG (5Y)N/A
EPS Next 2Y103.27%
EPS Next 3YN/A

More info and screens

0

5. Dividend

5.1 Amount

No dividends for TFIN!.
Industry RankSector Rank
Dividend Yield N/A

More info and screens

TRIUMPH FINANCIAL INC

NASDAQ:TFIN (4/23/2025, 4:30:01 PM)

After market: 49.5 0 (0%)

49.5

+1.06 (+2.19%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-16 2025-04-16/amc
Earnings (Next)07-15 2025-07-15/amc
Inst Owners93.56%
Inst Owner ChangeN/A
Ins Owners5.29%
Ins Owner Change-3.53%
Market Cap1.16B
Analysts50
Price Target78.03 (57.64%)
Short Float %7.74%
Short Ratio10.67
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly Dividend0.14
Dividend Growth(5Y)N/A
DP36.67%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-108.24%
Min EPS beat(2)-170.03%
Max EPS beat(2)-46.45%
EPS beat(4)1
Avg EPS beat(4)-69.97%
Min EPS beat(4)-170.03%
Max EPS beat(4)1.02%
EPS beat(8)2
Avg EPS beat(8)-43.09%
EPS beat(12)4
Avg EPS beat(12)-24.01%
EPS beat(16)6
Avg EPS beat(16)-19.13%
Revenue beat(2)0
Avg Revenue beat(2)-5.55%
Min Revenue beat(2)-6.35%
Max Revenue beat(2)-4.75%
Revenue beat(4)0
Avg Revenue beat(4)-4.49%
Min Revenue beat(4)-6.35%
Max Revenue beat(4)-2.89%
Revenue beat(8)0
Avg Revenue beat(8)-4.51%
Revenue beat(12)2
Avg Revenue beat(12)-1.3%
Revenue beat(16)4
Avg Revenue beat(16)-1.23%
PT rev (1m)0%
PT rev (3m)-10.79%
EPS NQ rev (1m)7.14%
EPS NQ rev (3m)-74.15%
EPS NY rev (1m)1.19%
EPS NY rev (3m)-35.25%
Revenue NQ rev (1m)0.05%
Revenue NQ rev (3m)-2.43%
Revenue NY rev (1m)-0.17%
Revenue NY rev (3m)-1.49%
Valuation
Industry RankSector Rank
PE 133.78
Fwd PE 22.18
P/S 2.78
P/FCF 32.98
P/OCF 16.19
P/B 1.3
P/tB 1.94
EV/EBITDA N/A
EPS(TTM)0.37
EY0.75%
EPS(NY)2.23
Fwd EY4.51%
FCF(TTM)1.5
FCFY3.03%
OCF(TTM)3.06
OCFY6.17%
SpS17.78
BVpS38.17
TBVpS25.5
PEG (NY)1.37
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.14%
ROE 0.98%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 2.1%
GM N/A
FCFM 8.44%
ROA(3y)0.93%
ROA(5y)1.14%
ROE(3y)5.66%
ROE(5y)7.67%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-50.74%
PM growth 5Y-31.37%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.07
Health
Industry RankSector Rank
Debt/Equity 0.13
Debt/FCF 3.19
Debt/EBITDA N/A
Cap/Depr 106.61%
Cap/Sales 8.75%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 402.05%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC11.07%
ROIC/WACCN/A
Cap/Depr(3y)130.19%
Cap/Depr(5y)109.22%
Cap/Sales(3y)9.41%
Cap/Sales(5y)7.34%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-71.76%
EPS 3Y-50.15%
EPS 5Y-24.83%
EPS Q2Q%-121.43%
EPS Next Y97.86%
EPS Next 2Y103.27%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)0.37%
Revenue growth 3Y-0.61%
Revenue growth 5Y7.66%
Sales Q2Q%0.53%
Revenue Next Year8.44%
Revenue Next 2Y10.56%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y4921.57%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y193.38%
OCF growth 3Y-24.67%
OCF growth 5Y-4.18%