TFIN
Triumph Financial, Inc.
Banks - Regional
Market Cap$1.62B
5Y Perf.+176.5%
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Stock Comparison
TFIN vs BOKF
Revenue, margins, valuation, and 5-year total return — side by side.
BOKF
BOK Financial Corporation
Banks - Regional
Market Cap$10.28B
5Y Perf.+162.0%
TFIN vs BOKF — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | TFIN | BOKF |
|---|---|---|
| Industry | Banks - Regional | Banks - Regional |
| Market Cap | $1.62B | $10.28B |
| Revenue (TTM) | $516M | $3.36B |
| Net Income (TTM) | $32M | $537M |
| Gross Margin | 83.9% | 57.1% |
| Operating Margin | 6.4% | 19.8% |
| Forward P/E | 41.0x | 13.0x |
| Total Debt | $0.00 | $4.45B |
| Cash & Equiv. | $248M | $1.43B |
TFIN vs BOKF — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
TFIN
BOKF
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Triumph Financial, … (TFIN) | 100 | 276.5 | +176.5% |
| BOK Financial Corpo… (BOKF) | 100 | 262.0 | +162.0% |
Price return only. Dividends and distributions are not included.
Quick Verdict: TFIN vs BOKF
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: BOKF leads in 7 of 7 categories, making it the strongest pick for growth and revenue expansion and valuation and capital efficiency. As sector peers, any of these can serve as alternatives in the same allocation.
TFIN
Triumph Financial, Inc.
The Banking Pick
TFIN is the clearest fit if your priority is long-term compounding and bank quality.
- 460.5% 10Y total return vs BOKF's 168.5%
- NIM 5.5% vs BOKF's 2.4%
Best for: long-term compounding and bank quality
BOKF
BOK Financial Corporation
The Banking Pick
BOKF carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- Dividend streak 11 yrs, beta 1.03, yield 1.7%
- Rev growth 10.4%, EPS growth 1.5%
- Lower volatility, beta 1.03, Low D/E 80.2%, current ratio 0.37x
Best for: income & stability and growth exposure
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | BOKF | 10.4% NII/revenue growth vs TFIN's 5.8% |
| Value | BOKF | Lower P/E (13.0x vs 41.0x) |
| Quality / Margins | BOKF | Efficiency ratio 0.4% vs TFIN's 0.8% (lower = leaner) |
| Stability / Safety | BOKF | Beta 1.03 vs TFIN's 1.42 |
| Dividends | BOKF | 1.7% yield, 11-year raise streak, vs TFIN's 0.2% |
| Momentum (1Y) | BOKF | +44.8% vs TFIN's +23.3% |
| Efficiency (ROA) | BOKF | Efficiency ratio 0.4% vs TFIN's 0.8% |
TFIN vs BOKF — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2025
FY 2024
TFIN vs BOKF — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLBOKFLAGGINGTFIN
TFINTriumph Financial, In…
0leads
BOKFBOK Financial Corpora…
6leads
6 Total Categories
CATEGORYLEADERvs TFINMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
BOKF3/5
Valuation MetricsMultiples, price ratios, and targets
BOKF6/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
BOKF5/8
Total Returns1Y, 3Y, 5Y total returns with dividends
BOKF5/6
Risk & VolatilityBeta, volatility, and downside exposure
BOKF2/2
Analyst OutlookRatings, price targets, and dividends
BOKF2/2
Income & Cash Flow (Last 12 Months)
BOKF leads this category, winning 3 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
BOKF is the larger business by revenue, generating $3.4B annually — 6.5x TFIN's $516M. BOKF is the more profitable business, keeping 15.6% of every revenue dollar as net income compared to TFIN's 4.9%.
| Metric | TFINTriumph Financial… | BOKFBOK Financial Cor… |
|---|---|---|
| RevenueTrailing 12 months | $516M | $3.4B |
| EBITDAEarnings before interest/tax | $50M | $797M |
| Net IncomeAfter-tax profit | $32M | $537M |
| Free Cash FlowCash after capex | $57M | $1.5B |
| Gross MarginGross profit ÷ Revenue | +83.9% | +57.1% |
| Operating MarginEBIT ÷ Revenue | +6.4% | +19.8% |
| Net MarginNet income ÷ Revenue | +4.9% | +15.6% |
| FCF MarginFCF ÷ Revenue | +9.8% | +42.6% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +8.7% | +1.8% |
BOKF leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
BOKF leads this category, winning 6 of 6 comparable metrics.
Valuation Metrics
At 16.4x trailing earnings, BOKF trades at a 78% valuation discount to TFIN's 73.0x P/E. On an enterprise value basis, BOKF's 17.2x EV/EBITDA is more attractive than TFIN's 28.6x.
| Metric | TFINTriumph Financial… | BOKFBOK Financial Cor… |
|---|---|---|
| Market CapShares × price | $1.6B | $10.3B |
| Enterprise ValueMkt cap + debt − cash | $1.4B | $13.3B |
| Trailing P/EPrice ÷ TTM EPS | 73.00x | 16.39x |
| Forward P/EPrice ÷ next-FY EPS est. | 41.00x | 13.05x |
| PEG RatioP/E ÷ EPS growth rate | — | 5.51x |
| EV / EBITDAEnterprise value multiple | 28.58x | 17.23x |
| Price / SalesMarket cap ÷ Revenue | 3.13x | 3.06x |
| Price / BookPrice ÷ Book value/share | 1.72x | 1.53x |
| Price / FCFMarket cap ÷ FCF | 31.93x | 7.19x |
BOKF leads this category, winning 6 of 6 comparable metrics.
Profitability & Efficiency
BOKF leads this category, winning 5 of 8 comparable metrics.
Profitability & Efficiency
BOKF delivers a 8.9% return on equity — every $100 of shareholder capital generates $9 in annual profit, vs $3 for TFIN. On the Piotroski fundamental quality scale (0–9), BOKF scores 6/9 vs TFIN's 5/9, reflecting solid financial health.
| Metric | TFINTriumph Financial… | BOKFBOK Financial Cor… |
|---|---|---|
| ROE (TTM)Return on equity | +3.4% | +8.9% |
| ROA (TTM)Return on assets | +0.5% | +1.1% |
| ROICReturn on invested capital | +2.5% | +4.1% |
| ROCEReturn on capital employed | +0.5% | +5.5% |
| Piotroski ScoreFundamental quality 0–9 | 5 | 6 |
| Debt / EquityFinancial leverage | — | 0.80x |
| Net DebtTotal debt minus cash | -$248M | $3.0B |
| Cash & Equiv.Liquid assets | $248M | $1.4B |
| Total DebtShort + long-term debt | $0 | $4.5B |
| Interest CoverageEBIT ÷ Interest expense | 35.16x | 0.55x |
BOKF leads this category, winning 5 of 8 comparable metrics.
Total Returns (Dividends Reinvested)
BOKF leads this category, winning 5 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in BOKF five years ago would be worth $15,944 today (with dividends reinvested), compared to $7,469 for TFIN. Over the past 12 months, BOKF leads with a +44.8% total return vs TFIN's +23.3%. The 3-year compound annual growth rate (CAGR) favors BOKF at 21.5% vs TFIN's 12.3% — a key indicator of consistent wealth creation.
| Metric | TFINTriumph Financial… | BOKFBOK Financial Cor… |
|---|---|---|
| YTD ReturnYear-to-date | +7.1% | +13.0% |
| 1-Year ReturnPast 12 months | +23.3% | +44.8% |
| 3-Year ReturnCumulative with dividends | +41.8% | +79.4% |
| 5-Year ReturnCumulative with dividends | -25.3% | +59.4% |
| 10-Year ReturnCumulative with dividends | +460.5% | +168.5% |
| CAGR (3Y)Annualised 3-year return | +12.3% | +21.5% |
BOKF leads this category, winning 5 of 6 comparable metrics.
Risk & Volatility
BOKF leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
BOKF is the less volatile stock with a 1.03 beta — it tends to amplify market swings less than TFIN's 1.42 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. BOKF currently trades 95.5% from its 52-week high vs TFIN's 87.2% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | TFINTriumph Financial… | BOKFBOK Financial Cor… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.42x | 1.03x |
| 52-Week HighHighest price in past year | $77.84 | $139.73 |
| 52-Week LowLowest price in past year | $46.43 | $91.35 |
| % of 52W HighCurrent price vs 52-week peak | +87.2% | +95.5% |
| RSI (14)Momentum oscillator 0–100 | 58.4 | 58.9 |
| Avg Volume (50D)Average daily shares traded | 252K | 317K |
BOKF leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
BOKF leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Wall Street rates TFIN as "Hold" and BOKF as "Hold". Consensus price targets imply 6.1% upside for TFIN (target: $72) vs -1.4% for BOKF (target: $132). For income investors, BOKF offers the higher dividend yield at 1.68% vs TFIN's 0.20%.
| Metric | TFINTriumph Financial… | BOKFBOK Financial Cor… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | Hold |
| Price TargetConsensus 12-month target | $72.00 | $131.57 |
| # AnalystsCovering analysts | 9 | 21 |
| Dividend YieldAnnual dividend ÷ price | +0.2% | +1.7% |
| Dividend StreakConsecutive years of raises | 0 | 11 |
| Dividend / ShareAnnual DPS | $0.13 | $2.24 |
| Buyback YieldShare repurchases ÷ mkt cap | +0.1% | +0.9% |
BOKF leads this category, winning 2 of 2 comparable metrics.
Key Takeaway
BOKF leads in 6 of 6 categories — strongest in Income & Cash Flow and Valuation Metrics.
Best OverallBOK Financial Corporation (BOKF)Leads 6 of 6 categories
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TFIN vs BOKF: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is TFIN or BOKF a better buy right now?
For growth investors, BOK Financial Corporation (BOKF) is the stronger pick with 10.
4% revenue growth year-over-year, versus 5. 8% for Triumph Financial, Inc. (TFIN). BOK Financial Corporation (BOKF) offers the better valuation at 16. 4x trailing P/E (13. 0x forward), making it the more compelling value choice. Analysts rate Triumph Financial, Inc. (TFIN) a "Hold" — based on 9 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — TFIN or BOKF?
On trailing P/E, BOK Financial Corporation (BOKF) is the cheapest at 16.
4x versus Triumph Financial, Inc. at 73. 0x. On forward P/E, BOK Financial Corporation is actually cheaper at 13. 0x.
03Which is the better long-term investment — TFIN or BOKF?
Over the past 5 years, BOK Financial Corporation (BOKF) delivered a total return of +59.
4%, compared to -25. 3% for Triumph Financial, Inc. (TFIN). Over 10 years, the gap is even starker: TFIN returned +460. 5% versus BOKF's +168. 5%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — TFIN or BOKF?
By beta (market sensitivity over 5 years), BOK Financial Corporation (BOKF) is the lower-risk stock at 1.
03β versus Triumph Financial, Inc. 's 1. 42β — meaning TFIN is approximately 37% more volatile than BOKF relative to the S&P 500.
05Which is growing faster — TFIN or BOKF?
By revenue growth (latest reported year), BOK Financial Corporation (BOKF) is pulling ahead at 10.
4% versus 5. 8% for Triumph Financial, Inc. (TFIN). On earnings-per-share growth, the picture is similar: Triumph Financial, Inc. grew EPS 72. 2% year-over-year, compared to 1. 5% for BOK Financial Corporation. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — TFIN or BOKF?
BOK Financial Corporation (BOKF) is the more profitable company, earning 15.
6% net margin versus 4. 9% for Triumph Financial, Inc. — meaning it keeps 15. 6% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: BOKF leads at 19. 8% versus 6. 4% for TFIN. At the gross margin level — before operating expenses — TFIN leads at 83. 9%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is TFIN or BOKF more undervalued right now?
On forward earnings alone, BOK Financial Corporation (BOKF) trades at 13.
0x forward P/E versus 41. 0x for Triumph Financial, Inc. — 27. 9x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for TFIN: 6. 1% to $72. 00.
08Which pays a better dividend — TFIN or BOKF?
All stocks in this comparison pay dividends.
BOK Financial Corporation (BOKF) offers the highest yield at 1. 7%, versus 0. 2% for Triumph Financial, Inc. (TFIN).
09Is TFIN or BOKF better for a retirement portfolio?
For long-horizon retirement investors, BOK Financial Corporation (BOKF) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 1.
03), 1. 7% yield, +168. 5% 10Y return). Both have compounded well over 10 years (BOKF: +168. 5%, TFIN: +460. 5%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between TFIN and BOKF?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: TFIN is a small-cap quality compounder stock; BOKF is a mid-cap deep-value stock. BOKF pays a dividend while TFIN does not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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Revenue Growth>
%
(TFIN: 5.8% · BOKF: 10.4%)Net Margin>
%
(TFIN: 4.9% · BOKF: 15.6%)P/E Ratio<
x
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