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TRIUMPH FINANCIAL INC (TFIN) Stock Fundamental Analysis

NASDAQ:TFIN - Nasdaq - US89679E3009 - Common Stock

90.32  -0.95 (-1.04%)

Fundamental Rating

2

Taking everything into account, TFIN scores 2 out of 10 in our fundamental rating. TFIN was compared to 405 industry peers in the Banks industry. Both the profitability and financial health of TFIN have multiple concerns. While showing a medium growth rate, TFIN is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year TFIN was profitable.
TFIN had a positive operating cash flow in the past year.
In the past 5 years TFIN has always been profitable.
Each year in the past 5 years TFIN had a positive operating cash flow.
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 20M 40M 60M 80M 100M

1.2 Ratios

TFIN's Return On Assets of 0.32% is on the low side compared to the rest of the industry. TFIN is outperformed by 82.66% of its industry peers.
TFIN's Return On Equity of 2.11% is on the low side compared to the rest of the industry. TFIN is outperformed by 86.93% of its industry peers.
Industry RankSector Rank
ROA 0.32%
ROE 2.11%
ROIC N/A
ROA(3y)1.47%
ROA(5y)1.32%
ROE(3y)9.44%
ROE(5y)9.21%
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 2 4 6 8 10

1.3 Margins

The Profit Margin of TFIN (4.46%) is worse than 88.94% 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) 4.46%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-20.54%
PM growth 5Y-15.02%
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 5 10 15 20 25

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2

2. Health

2.1 Basic Checks

TFIN does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for TFIN has been reduced compared to 1 year ago.
The number of shares outstanding for TFIN has been reduced compared to 5 years ago.
Compared to 1 year ago, TFIN has a worse debt to assets ratio.
TFIN Yearly Shares OutstandingTFIN Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 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 1B 2B 3B 4B 5B

2.2 Solvency

TFIN has a Debt/Equity ratio of 0.17. This is a healthy value indicating a solid balance between debt and equity.
TFIN has a Debt to Equity ratio of 0.17. This is comparable to the rest of the industry: TFIN outperforms 57.29% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC9.65%
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 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 10M 20M 30M 40M

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4

3. Growth

3.1 Past

TFIN shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -58.95%.
The Earnings Per Share has been decreasing by -4.74% on average over the past years.
TFIN shows a decrease in Revenue. In the last year, the revenue decreased by -1.52%.
The Revenue has been growing by 10.83% on average over the past years. This is quite good.
EPS 1Y (TTM)-58.95%
EPS 3Y-14.28%
EPS 5Y-4.74%
EPS Q2Q%-62.75%
Revenue 1Y (TTM)-1.52%
Revenue growth 3Y6.62%
Revenue growth 5Y10.83%
Sales Q2Q%1.39%

3.2 Future

TFIN is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 21.11% yearly.
The Revenue is expected to grow by 7.64% on average over the next years.
EPS Next Y-58.82%
EPS Next 2Y1.55%
EPS Next 3Y21.11%
EPS Next 5YN/A
Revenue Next Year0.35%
Revenue Next 2Y5.13%
Revenue Next 3Y7.64%
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is decreasing: in the next years the growth will be less 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

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1

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 115.79, which means the current valuation is very expensive for TFIN.
Based on the Price/Earnings ratio, TFIN is valued more expensive than 90.70% of the companies in the same industry.
When comparing the Price/Earnings ratio of TFIN to the average of the S&P500 Index (28.29), we can say TFIN is valued expensively.
Based on the Price/Forward Earnings ratio of 54.74, the valuation of TFIN can be described as expensive.
Compared to the rest of the industry, the Price/Forward Earnings ratio of TFIN indicates a rather expensive valuation: TFIN more expensive than 80.90% of the companies listed in the same industry.
TFIN is valuated expensively when we compare the Price/Forward Earnings ratio to 24.44, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 115.79
Fwd PE 54.74
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

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
TFIN Per share dataTFIN EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 20 30

4.3 Compensation for Growth

A more expensive valuation may be justified as TFIN's earnings are expected to grow with 21.11% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y1.55%
EPS Next 3Y21.11%

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0

5. Dividend

5.1 Amount

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

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TRIUMPH FINANCIAL INC

NASDAQ:TFIN (1/22/2025, 11:46:29 AM)

90.32

-0.95 (-1.04%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-16 2024-10-16/amc
Earnings (Next)01-22 2025-01-22/amc
Inst Owners96.13%
Inst Owner ChangeN/A
Ins Owners5.41%
Ins Owner Change-8.68%
Market Cap2.11B
Analysts48
Price Target87.47 (-3.16%)
Short Float %7.84%
Short Ratio13.27
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly Dividend0.14
Dividend Growth(5Y)39.95%
DP17.19%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-31.69%
Min EPS beat(2)-64.4%
Max EPS beat(2)1.02%
EPS beat(4)1
Avg EPS beat(4)-33.01%
Min EPS beat(4)-64.4%
Max EPS beat(4)1.02%
EPS beat(8)3
Avg EPS beat(8)-17.95%
EPS beat(12)5
Avg EPS beat(12)-6.6%
EPS beat(16)8
Avg EPS beat(16)0.13%
Revenue beat(2)0
Avg Revenue beat(2)-3.43%
Min Revenue beat(2)-3.96%
Max Revenue beat(2)-2.89%
Revenue beat(4)0
Avg Revenue beat(4)-4.02%
Min Revenue beat(4)-6.56%
Max Revenue beat(4)-2.67%
Revenue beat(8)1
Avg Revenue beat(8)-3.52%
Revenue beat(12)3
Avg Revenue beat(12)-0.44%
Revenue beat(16)6
Avg Revenue beat(16)1.3%
PT rev (1m)11%
PT rev (3m)21.2%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-47.97%
EPS NY rev (1m)0%
EPS NY rev (3m)-12.14%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-5.43%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.1%
Valuation
Industry RankSector Rank
PE 115.79
Fwd PE 54.74
P/S 5.05
P/FCF N/A
P/OCF 45.15
P/B 2.39
P/tB 3.52
EV/EBITDA N/A
EPS(TTM)0.78
EY0.86%
EPS(NY)1.65
Fwd EY1.83%
FCF(TTM)-0.5
FCFYN/A
OCF(TTM)2
OCFY2.21%
SpS17.89
BVpS37.87
TBVpS25.66
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.32%
ROE 2.11%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 4.46%
GM N/A
FCFM N/A
ROA(3y)1.47%
ROA(5y)1.32%
ROE(3y)9.44%
ROE(5y)9.21%
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-20.54%
PM growth 5Y-15.02%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.07
Health
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 188.28%
Cap/Sales 14%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC9.65%
ROIC/WACCN/A
Cap/Depr(3y)66.95%
Cap/Depr(5y)83.46%
Cap/Sales(3y)3.79%
Cap/Sales(5y)4.78%
Profit Quality(3y)75.58%
Profit Quality(5y)88.44%
High Growth Momentum
Growth
EPS 1Y (TTM)-58.95%
EPS 3Y-14.28%
EPS 5Y-4.74%
EPS Q2Q%-62.75%
EPS Next Y-58.82%
EPS Next 2Y1.55%
EPS Next 3Y21.11%
EPS Next 5YN/A
Revenue 1Y (TTM)-1.52%
Revenue growth 3Y6.62%
Revenue growth 5Y10.83%
Sales Q2Q%1.39%
Revenue Next Year0.35%
Revenue Next 2Y5.13%
Revenue Next 3Y7.64%
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 1Y-111.99%
FCF growth 3Y-37.69%
FCF growth 5Y-18.91%
OCF growth 1Y-57.92%
OCF growth 3Y-23.71%
OCF growth 5Y-10.16%