TFIN
Triumph Financial, Inc.
Banks - Regional
Market Cap$1.62B
5Y Perf.+176.5%
Compare Stocks
2 / 10Try these comparisons:
Stock Comparison
TFIN vs IBCP
Revenue, margins, valuation, and 5-year total return — side by side.
IBCP
Independent Bank Corporation
Banks - Regional
Market Cap$699M
5Y Perf.+145.7%
TFIN vs IBCP — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | TFIN | IBCP |
|---|---|---|
| Industry | Banks - Regional | Banks - Regional |
| Market Cap | $1.62B | $699M |
| Revenue (TTM) | $516M | $315M |
| Net Income (TTM) | $32M | $69M |
| Gross Margin | 83.9% | 69.6% |
| Operating Margin | 6.4% | 25.8% |
| Forward P/E | 41.0x | 9.6x |
| Total Debt | $0.00 | $117M |
| Cash & Equiv. | $248M | $52M |
TFIN vs IBCP — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
TFIN
IBCP
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Triumph Financial, … (TFIN) | 100 | 276.5 | +176.5% |
| Independent Bank Co… (IBCP) | 100 | 245.7 | +145.7% |
Price return only. Dividends and distributions are not included.
Quick Verdict: TFIN vs IBCP
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: IBCP leads in 5 of 7 categories, making it the strongest pick for valuation and capital efficiency and profitability and margin quality. Triumph Financial, Inc. is the stronger pick specifically for growth and revenue expansion and recent price momentum and sentiment. 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 growth exposure and long-term compounding.
- Rev growth 5.8%, EPS growth 72.2%
- 460.5% 10Y total return vs IBCP's 184.6%
- NIM 5.5% vs IBCP's 3.3%
Best for: growth exposure and long-term compounding
IBCP
Independent Bank Corporation
The Banking Pick
IBCP carries the broadest edge in this set and is the clearest fit for income & stability and sleep-well-at-night.
- Dividend streak 11 yrs, beta 0.83, yield 3.0%
- Lower volatility, beta 0.83, Low D/E 23.2%, current ratio 370.62x
- Beta 0.83, yield 3.0%, current ratio 370.62x
Best for: income & stability and sleep-well-at-night
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | TFIN | 5.8% NII/revenue growth vs IBCP's -0.3% |
| Value | IBCP | Lower P/E (9.6x vs 41.0x) |
| Quality / Margins | IBCP | Efficiency ratio 0.4% vs TFIN's 0.8% (lower = leaner) |
| Stability / Safety | IBCP | Beta 0.83 vs TFIN's 1.42 |
| Dividends | IBCP | 3.0% yield, 11-year raise streak, vs TFIN's 0.2% |
| Momentum (1Y) | TFIN | +23.3% vs IBCP's +12.6% |
| Efficiency (ROA) | IBCP | Efficiency ratio 0.4% vs TFIN's 0.8% |
TFIN vs IBCP — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2025
FY 2021
TFIN vs IBCP — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLIBCPLAGGINGTFIN
TFINTriumph Financial, In…
0leads
IBCPIndependent Bank Corp…
6leads
6 Total Categories
CATEGORYLEADERvs TFINMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
IBCP3/5
Valuation MetricsMultiples, price ratios, and targets
IBCP6/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
IBCP5/8
Total Returns1Y, 3Y, 5Y total returns with dividends
IBCP4/6
Risk & VolatilityBeta, volatility, and downside exposure
IBCP2/2
Analyst OutlookRatings, price targets, and dividends
IBCP2/2
Income & Cash Flow (Last 12 Months)
IBCP leads this category, winning 3 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
TFIN is the larger business by revenue, generating $516M annually — 1.6x IBCP's $315M. IBCP is the more profitable business, keeping 21.7% of every revenue dollar as net income compared to TFIN's 4.9%.
| Metric | TFINTriumph Financial… | IBCPIndependent Bank … |
|---|---|---|
| RevenueTrailing 12 months | $516M | $315M |
| EBITDAEarnings before interest/tax | $50M | $89M |
| Net IncomeAfter-tax profit | $32M | $69M |
| Free Cash FlowCash after capex | $57M | $70M |
| Gross MarginGross profit ÷ Revenue | +83.9% | +69.6% |
| Operating MarginEBIT ÷ Revenue | +6.4% | +25.8% |
| Net MarginNet income ÷ Revenue | +4.9% | +21.7% |
| FCF MarginFCF ÷ Revenue | +9.8% | +22.2% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +8.7% | +2.3% |
IBCP leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
IBCP leads this category, winning 6 of 6 comparable metrics.
Valuation Metrics
At 10.4x trailing earnings, IBCP trades at a 86% valuation discount to TFIN's 73.0x P/E. On an enterprise value basis, IBCP's 9.4x EV/EBITDA is more attractive than TFIN's 28.6x.
| Metric | TFINTriumph Financial… | IBCPIndependent Bank … |
|---|---|---|
| Market CapShares × price | $1.6B | $699M |
| Enterprise ValueMkt cap + debt − cash | $1.4B | $764M |
| Trailing P/EPrice ÷ TTM EPS | 73.00x | 10.38x |
| Forward P/EPrice ÷ next-FY EPS est. | 41.00x | 9.56x |
| PEG RatioP/E ÷ EPS growth rate | — | 1.97x |
| EV / EBITDAEnterprise value multiple | 28.58x | 9.39x |
| Price / SalesMarket cap ÷ Revenue | 3.13x | 2.22x |
| Price / BookPrice ÷ Book value/share | 1.72x | 1.41x |
| Price / FCFMarket cap ÷ FCF | 31.93x | 9.96x |
IBCP leads this category, winning 6 of 6 comparable metrics.
Profitability & Efficiency
IBCP leads this category, winning 5 of 8 comparable metrics.
Profitability & Efficiency
IBCP delivers a 14.2% return on equity — every $100 of shareholder capital generates $14 in annual profit, vs $3 for TFIN. On the Piotroski fundamental quality scale (0–9), IBCP scores 8/9 vs TFIN's 5/9, reflecting strong financial health.
| Metric | TFINTriumph Financial… | IBCPIndependent Bank … |
|---|---|---|
| ROE (TTM)Return on equity | +3.4% | +14.2% |
| ROA (TTM)Return on assets | +0.5% | +1.3% |
| ROICReturn on invested capital | +2.5% | +10.2% |
| ROCEReturn on capital employed | +0.5% | +2.6% |
| Piotroski ScoreFundamental quality 0–9 | 5 | 8 |
| Debt / EquityFinancial leverage | — | 0.23x |
| Net DebtTotal debt minus cash | -$248M | $65M |
| Cash & Equiv.Liquid assets | $248M | $52M |
| Total DebtShort + long-term debt | $0 | $117M |
| Interest CoverageEBIT ÷ Interest expense | 35.16x | 0.91x |
IBCP leads this category, winning 5 of 8 comparable metrics.
Total Returns (Dividends Reinvested)
IBCP leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in IBCP five years ago would be worth $16,369 today (with dividends reinvested), compared to $7,469 for TFIN. Over the past 12 months, TFIN leads with a +23.3% total return vs IBCP's +12.6%. The 3-year compound annual growth rate (CAGR) favors IBCP at 32.1% vs TFIN's 12.3% — a key indicator of consistent wealth creation.
| Metric | TFINTriumph Financial… | IBCPIndependent Bank … |
|---|---|---|
| YTD ReturnYear-to-date | +7.1% | +7.2% |
| 1-Year ReturnPast 12 months | +23.3% | +12.6% |
| 3-Year ReturnCumulative with dividends | +41.8% | +130.6% |
| 5-Year ReturnCumulative with dividends | -25.3% | +63.7% |
| 10-Year ReturnCumulative with dividends | +460.5% | +184.6% |
| CAGR (3Y)Annualised 3-year return | +12.3% | +32.1% |
IBCP leads this category, winning 4 of 6 comparable metrics.
Risk & Volatility
IBCP leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
IBCP is the less volatile stock with a 0.83 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. IBCP currently trades 90.8% 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… | IBCPIndependent Bank … |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.42x | 0.83x |
| 52-Week HighHighest price in past year | $77.84 | $37.39 |
| 52-Week LowLowest price in past year | $46.43 | $29.63 |
| % of 52W HighCurrent price vs 52-week peak | +87.2% | +90.8% |
| RSI (14)Momentum oscillator 0–100 | 58.4 | 50.6 |
| Avg Volume (50D)Average daily shares traded | 252K | 176K |
IBCP leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
IBCP leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Wall Street rates TFIN as "Hold" and IBCP as "Hold". Consensus price targets imply 11.9% upside for IBCP (target: $38) vs 6.1% for TFIN (target: $72). For income investors, IBCP offers the higher dividend yield at 3.05% vs TFIN's 0.20%.
| Metric | TFINTriumph Financial… | IBCPIndependent Bank … |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | Hold |
| Price TargetConsensus 12-month target | $72.00 | $38.00 |
| # AnalystsCovering analysts | 9 | 7 |
| Dividend YieldAnnual dividend ÷ price | +0.2% | +3.0% |
| Dividend StreakConsecutive years of raises | 0 | 11 |
| Dividend / ShareAnnual DPS | $0.13 | $1.03 |
| Buyback YieldShare repurchases ÷ mkt cap | +0.1% | +1.8% |
IBCP leads this category, winning 2 of 2 comparable metrics.
Key Takeaway
IBCP leads in 6 of 6 categories — strongest in Income & Cash Flow and Valuation Metrics.
Best OverallIndependent Bank Corporation (IBCP)Leads 6 of 6 categories
Loading custom metrics...
TFIN vs IBCP: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is TFIN or IBCP a better buy right now?
For growth investors, Triumph Financial, Inc.
(TFIN) is the stronger pick with 5. 8% revenue growth year-over-year, versus -0. 3% for Independent Bank Corporation (IBCP). Independent Bank Corporation (IBCP) offers the better valuation at 10. 4x trailing P/E (9. 6x 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 IBCP?
On trailing P/E, Independent Bank Corporation (IBCP) is the cheapest at 10.
4x versus Triumph Financial, Inc. at 73. 0x. On forward P/E, Independent Bank Corporation is actually cheaper at 9. 6x.
03Which is the better long-term investment — TFIN or IBCP?
Over the past 5 years, Independent Bank Corporation (IBCP) delivered a total return of +63.
7%, compared to -25. 3% for Triumph Financial, Inc. (TFIN). Over 10 years, the gap is even starker: TFIN returned +460. 5% versus IBCP's +184. 6%. 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 IBCP?
By beta (market sensitivity over 5 years), Independent Bank Corporation (IBCP) is the lower-risk stock at 0.
83β versus Triumph Financial, Inc. 's 1. 42β — meaning TFIN is approximately 72% more volatile than IBCP relative to the S&P 500.
05Which is growing faster — TFIN or IBCP?
By revenue growth (latest reported year), Triumph Financial, Inc.
(TFIN) is pulling ahead at 5. 8% versus -0. 3% for Independent Bank Corporation (IBCP). On earnings-per-share growth, the picture is similar: Triumph Financial, Inc. grew EPS 72. 2% year-over-year, compared to 3. 5% for Independent Bank 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 IBCP?
Independent Bank Corporation (IBCP) is the more profitable company, earning 21.
7% net margin versus 4. 9% for Triumph Financial, Inc. — meaning it keeps 21. 7% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: IBCP leads at 25. 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 IBCP more undervalued right now?
On forward earnings alone, Independent Bank Corporation (IBCP) trades at 9.
6x forward P/E versus 41. 0x for Triumph Financial, Inc. — 31. 4x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for IBCP: 11. 9% to $38. 00.
08Which pays a better dividend — TFIN or IBCP?
All stocks in this comparison pay dividends.
Independent Bank Corporation (IBCP) offers the highest yield at 3. 0%, versus 0. 2% for Triumph Financial, Inc. (TFIN).
09Is TFIN or IBCP better for a retirement portfolio?
For long-horizon retirement investors, Independent Bank Corporation (IBCP) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.
83), 3. 0% yield, +184. 6% 10Y return). Both have compounded well over 10 years (IBCP: +184. 6%, 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 IBCP?
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; IBCP is a small-cap deep-value stock. IBCP 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.
Find Stocks Like These
Explore pre-built screens for each stock's profile, or build a custom screen to find stocks that outperform both.
Revenue Growth>
%
(TFIN: 5.8% · IBCP: -0.3%)Net Margin>
%
(TFIN: 4.9% · IBCP: 21.7%)P/E Ratio<
x
(TFIN: 73.0x · IBCP: 10.4x)You Might Also Compare
Based on how these companies actually compete and overlap — not just which sector they're filed under.