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Triumph Financial, Inc. (TFIN) fundamental analysis — strengths, weaknesses & financial health based on data analysis
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
Triumph Financial, Inc. (TFIN) stock price & volume — 10-year historical chart
Triumph Financial, Inc. (TFIN) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Triumph Financial, Inc. (TFIN) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 21, 2026 | $0.23vs $0.15+53.3% | $106Mvs $107M-1.4% |
| Q1 2026 | Jan 26, 2026 | $0.77vs $0.30+160.1% | $106Mvs $111M-4.1% |
| Q4 2025 | Oct 15, 2025 | $0.19vs $0.04+575.0% | $109Mvs $111M-1.5% |
| Q3 2025 | Jul 16, 2025 | $0.15vs $0.05+212.5% | $108Mvs $111M-3.0% |
Triumph Financial, Inc. (TFIN) competitors in Specialty finance and niche lenders — business model, growth, and fundamentals comparison
Triumph Financial, Inc. (TFIN) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Triumph Financial, Inc. (TFIN) annual income statement — 10-year revenue, gross profit & net income history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 155.68M | 227.05M | 255.9M | 284.73M | 369.13M | 400.49M | 368.08M | 350.46M | 350.59M | 1.71M |
| NII Growth % | 38.56% | 45.84% | 12.71% | 11.26% | 29.64% | 8.5% | -8.09% | -4.79% | 0.04% | -395.2% |
| Net Interest Margin % | 4.45% | 4.98% | 5.06% | 4.8% | 6.2% | 7.51% | 6.88% | 5.89% | 5.49% | 0.02% |
| Interest Income | 177.22M | 262.98M | 311.15M | 322.12M | 387.56M | 419.24M | 422.42M | 422.51M | 430.47M | 485K |
| Interest Expense | 21.54M | 35.93M | 55.25M | 37.39M | 18.43M | 18.75M | 54.34M | 72.06M | 79.88M | -1.23M |
| Loan Loss Provision | 11.63M | 16.17M | 7.94M | 38.33M | -8.89M | 6.56M | 11.46M | 18.47M | 2.87M | 59.98M |
| Non-Interest Income | 19.8M | 21.9M | 31.57M | 50.63M | 54.45M | 83.71M | 49.43M | 65.11M | 85.61M | 500.29M |
| Non-Interest Income % | 10.05% | 7.69% | 9.21% | 13.58% | 12.32% | 16.64% | 10.48% | 13.35% | 16.59% | 99.9% |
| Total Revenue | 197.02M▲ 0% | 284.88M▲ 44.6% | 342.72M▲ 20.3% | 372.74M▲ 8.8% | 442M▲ 18.6% | 502.94M▲ 13.8% | 471.85M▼ 6.2% | 487.63M▲ 3.3% | 516.08M▲ 5.8% | 500.77M▲ 0% |
| Revenue Growth % | 35.46% | 44.59% | 20.31% | 8.76% | 18.58% | 13.79% | -6.18% | 3.34% | 5.83% | 9.19% |
| Non-Interest Expense | 102.75M | 166.28M | 204.08M | 212.32M | 287.51M | 340.63M | 353.23M | 376.63M | 400.06M | 398.9M |
| Efficiency Ratio | 52.15% | 58.37% | 59.55% | 56.96% | 65.05% | 67.73% | 74.86% | 77.24% | 77.52% | 79.66% |
| Operating Income | 61.1M▲ 0% | 66.5M▲ 8.8% | 75.45M▲ 13.5% | 84.71M▲ 12.3% | 144.95M▲ 71.1% | 137M▼ 5.5% | 52.81M▼ 61.5% | 20.47M▼ 61.2% | 32.99M▲ 61.2% | 43.11M▲ 0% |
| Operating Margin % | 31.01% | 23.34% | 22.01% | 22.73% | 32.8% | 27.24% | 11.19% | 4.2% | 6.39% | 8.61% |
| Operating Income Growth % | 82.33% | 8.84% | 13.45% | 12.28% | 71.12% | -5.48% | -61.45% | -61.25% | 61.18% | - |
| Pretax Income | 61.1M▲ 0% | 66.5M▲ 8.8% | 75.45M▲ 13.5% | 84.71M▲ 12.3% | 144.95M▲ 71.1% | 137M▼ 5.5% | 52.81M▼ 61.5% | 20.47M▼ 61.2% | 32.99M▲ 61.2% | 41.07M▲ 0% |
| Pretax Margin % | 31.01% | 23.34% | 22.01% | 22.73% | 32.8% | 27.24% | 11.19% | 4.2% | 6.39% | 8.2% |
| Income Tax | 24.88M | 14.79M | 16.9M | 20.69M | 31.98M | 34.69M | 11.73M | 4.38M | 7.63M | 9.37M |
| Effective Tax Rate % | 40.72% | 22.24% | 22.4% | 24.42% | 22.06% | 25.32% | 22.22% | 21.39% | 23.13% | 22.82% |
| Net Income | 36.22M▲ 0% | 51.71M▲ 42.8% | 58.54M▲ 13.2% | 64.02M▲ 9.4% | 112.97M▲ 76.5% | 102.31M▼ 9.4% | 41.08M▼ 59.8% | 16.09M▼ 60.8% | 25.36M▲ 57.6% | 31.7M▲ 0% |
| Net Margin % | 18.38% | 18.15% | 17.08% | 17.18% | 25.56% | 20.34% | 8.71% | 3.3% | 4.91% | 6.33% |
| Net Income Growth % | 74.98% | 42.76% | 13.22% | 9.36% | 76.46% | -9.44% | -59.85% | -60.83% | 57.61% | 165.27% |
| Net Income (Continuing) | 36.22M | 51.71M | 58.54M | 64.02M | 112.97M | 102.31M | 41.08M | 16.09M | 25.36M | 31.7M |
| EPS (Diluted) | 1.81▲ 0% | 2.03▲ 12.2% | 2.25▲ 10.8% | 2.53▲ 12.4% | 4.35▲ 71.9% | 3.96▼ 9.0% | 1.61▼ 59.3% | 0.54▼ 66.5% | 0.93▲ 72.2% | 1.32▲ 0% |
| EPS Growth % | 64.55% | 12.15% | 10.84% | 12.44% | 71.94% | -8.97% | -59.34% | -66.46% | 72.22% | 220.81% |
| EPS (Basic) | 1.85 | 2.06 | 2.26 | 2.56 | 4.44 | 4.06 | 1.63 | 0.55 | 0.94 | - |
| Diluted Shares Outstanding | 20M | 25.48M | 26.06M | 24.62M | 25.25M | 25.02M | 23.21M | 23.78M | 23.85M | 24.04M |
Triumph Financial, Inc. (TFIN) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 384.73M | 571.36M | 446.7M | 538.7M | 565.6M | 662.69M | 586.28M | 416.91M | 612.75M | 1.65B |
| Cash & Due from Banks | 134.13M | 234.94M | 197.88M | 314.39M | 383.18M | 408.18M | 286.63M | 330.12M | 248.47M | 64.38M |
| Short Term Investments | 250.6M | 336.42M | 248.82M | 224.31M | 182.43M | 254.5M | 299.64M | 86.79M | 364.28M | 339.56M |
| Total Investments | 3.13B | 3.93B | 4.43B | 5.16B | 5.03B | 4.35B | 4.44B | 4.9B | 364.28M | 339.56M |
| Investments Growth % | 35.01% | 25.75% | 12.65% | 16.49% | -2.64% | -13.5% | 2.05% | 10.35% | -92.56% | -156.38% |
| Long-Term Investments | 2.88B | 3.6B | 4.18B | 4.94B | 4.84B | 4.09B | 4.14B | 4.81B | 0 | 10.47B |
| Accounts Receivables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Goodwill & Intangibles | 63.78M | 199.42M | 190.29M | 189.92M | 276.86M | 265.77M | 279.72M | 296.18M | 403.18M | 400.67M |
| Goodwill | 44.13M | 158.74M | 158.74M | 163.21M | 233.73M | 233.71M | 233.71M | 241.95M | 355.3M | 355.3M |
| Intangible Assets | 19.65M | 40.67M | 31.54M | 26.71M | 43.13M | 32.06M | 46.01M | 54.23M | 47.89M | 45.37M |
| PP&E (Net) | 62.86M | 83.39M | 96.59M | 103.4M | 105.73M | 103.34M | 113.46M | 160.74M | 91.07M | 89.49M |
| Other Assets | 101.67M | 100.46M | 140.9M | 160.01M | 154.9M | 193.13M | 222.5M | 253.06M | 0 | 0 |
| Total Current Assets | 384.73M | 571.36M | 446.7M | 538.7M | 565.6M | 662.69M | 586.28M | 416.91M | 612.75M | 403.94M |
| Total Non-Current Assets | 3.11B | 3.99B | 4.61B | 5.4B | 5.39B | 4.67B | 4.76B | 5.53B | 494.44M | 490.16M |
| Total Assets | 3.5B▲ 0% | 4.56B▲ 30.3% | 5.06B▲ 11.0% | 5.94B▲ 17.3% | 5.96B▲ 0.3% | 5.33B▼ 10.5% | 5.35B▲ 0.3% | 5.95B▲ 11.3% | 6.38B▲ 7.3% | 6.88B▲ 0% |
| Asset Growth % | 32.49% | 30.32% | 10.98% | 17.3% | 0.34% | -10.45% | 0.25% | 11.25% | 7.26% | 37.63% |
| Return on Assets (ROA) | 1.18% | 1.28% | 1.22% | 1.16% | 1.9% | 1.81% | 0.77% | 0.28% | 0.41% | 0.49% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 463.94M | 422.5M | 558.93M | 427.54M | 356.81M | 179.3M | 405.42M | 142.01M | 0 | 143.08M |
| Net Debt | 329.81M | 187.56M | 361.05M | 113.15M | -26.37M | -228.88M | 118.78M | -188.1M | -248.47M | 78.71M |
| Long-Term Debt | 452.45M | 418.01M | 556.89M | 424.44M | 354.7M | 178.96M | 405.42M | 142.01M | 0 | 143.08M |
| Short-Term Debt | 11.49M | 4.49M | 2.03M | 3.1M | 2.1M | 340K | 0 | 0 | 0 | 0 |
| Other Liabilities | 22.05M | 50.33M | 74.88M | 64.87M | 93.9M | 94.18M | 100.04M | 95.22M | 5.44B | 5.78B |
| Total Current Liabilities | 2.63B | 3.45B | 3.79B | 4.72B | 4.65B | 4.17B | 3.98B | 4.82B | 0 | 0 |
| Total Non-Current Liabilities | 474.5M | 468.34M | 631.77M | 489.31M | 448.6M | 273.14M | 505.46M | 237.24M | 5.44B | 5.93B |
| Total Liabilities | 3.11B | 3.92B | 4.42B | 5.21B | 5.1B | 4.44B | 4.48B | 5.06B | 5.44B | 5.93B |
| Total Equity | 391.7M▲ 0% | 636.61M▲ 62.5% | 636.59M▼ 0.0% | 726.78M▲ 14.2% | 858.86M▲ 18.2% | 888.97M▲ 3.5% | 864.4M▼ 2.8% | 890.92M▲ 3.1% | 941.77M▲ 5.7% | 950.72M▲ 0% |
| Equity Growth % | 35.37% | 62.52% | -0% | 14.17% | 18.17% | 3.51% | -2.76% | 3.07% | 5.71% | 20.21% |
| Equity / Assets (Capital Ratio) | 11.19% | 13.96% | 12.58% | 12.24% | 14.42% | 16.67% | 16.17% | 14.98% | 14.76% | 13.83% |
| Return on Equity (ROE) | 10.64% | 10.06% | 9.2% | 9.39% | 14.25% | 11.71% | 4.69% | 1.83% | 2.77% | 3.4% |
| Book Value per Share | 19.58 | 24.98 | 24.43 | 29.52 | 34.01 | 35.52 | 37.25 | 37.47 | 39.49 | 39.55 |
| Tangible BV per Share | 16.40 | 17.16 | 17.13 | 21.81 | 23.05 | 24.90 | 25.19 | 25.01 | 22.58 | 22.88 |
| Common Stock | 209K | 271K | 272K | 280K | 283K | 283K | 290K | 291K | 295K | 296K |
| Additional Paid-in Capital | 264.86M | 469.34M | 473.25M | 489.15M | 510.94M | 534.79M | 550.74M | 567.88M | 597.47M | 601.83M |
| Retained Earnings | 119.36M | 170.49M | 229.03M | 289.58M | 399.35M | 498.46M | 536.33M | 549.22M | 571.37M | 576.92M |
| Accumulated OCI | -596K | -1.2M | 1.11M | 5.82M | 8.03M | -6.9M | -2.93M | -3.12M | -1.74M | -2.62M |
| Treasury Stock | -1.78M | -2.29M | -67.07M | -103.05M | -104.74M | -182.66M | -265.04M | -268.36M | -270.62M | -270.71M |
| Preferred Stock | 9.66M | 0 | 0 | 45M | 45M | 45M | 45M | 45M | 45M | 45M |
Triumph Financial, Inc. (TFIN) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 47.27M | 73.83M | 72.45M | 97.33M | 136.96M | 80.75M | 60.06M | 58.57M | 67.06M | 67.06M |
| Operating CF Growth % | 52.58% | 56.18% | -1.87% | 34.34% | 40.72% | -41.04% | -25.62% | -2.48% | 14.5% | 266.92% |
| Net Income | 36.22M | 51.71M | 58.54M | 64.02M | 112.97M | 102.31M | 41.08M | 16.09M | 25.36M | 31.7M |
| Depreciation & Amortization | 9.2M | 12.7M | 17.27M | 19.05M | 22.91M | 29.29M | 29.71M | 33.35M | 37.26M | 36.4M |
| Deferred Taxes | 10.16M | 708K | 3.93M | -2.08M | -5.83M | -1.78M | 6.54M | -4.78M | 6.29M | 10.51M |
| Other Non-Cash Items | -16.49M | 8.23M | 75K | -11.56M | -19.05M | -31.21M | 6.14M | 14.99M | -13.05M | -18.5M |
| Working Capital Changes | 6.38M | -2.25M | -11.02M | 23.27M | 5.64M | -39.03M | -36.63M | -15.59M | -2.81M | 428K |
| Cash from Investing | -379.77M | -268.31M | -520.37M | -774.74M | 77.66M | 666.11M | -129.56M | -590.03M | -525.48M | -541.24M |
| Purchase of Investments | -23.13M | -19.88M | -80.46M | -133.97M | -58.79M | -140.77M | -72.04M | -204.79M | -105M | -23.49M |
| Sale/Maturity of Investments | 180.1M | 202.78M | 170.99M | 167.66M | 100.16M | 67.18M | 46.09M | 124.95M | 124.67M | 132.08M |
| Net Investment Activity | 156.97M | 182.9M | 90.53M | 33.69M | 41.37M | -73.59M | -25.95M | -79.84M | 19.67M | 108.59M |
| Acquisitions | 55.58M | -68.02M | 0 | -14.54M | -96.93M | 85.92M | 0 | -10M | -137.37M | 143K |
| Other Investing | -584.37M | -364.41M | -589.57M | -776.31M | 147.58M | 664.7M | -79.69M | -437.4M | -391.33M | -638.54M |
| Cash from Financing | 352.11M | 295.29M | 410.86M | 793.92M | -145.83M | -721.87M | -52.05M | 574.94M | 376.77M | 545.15M |
| Dividends Paid | -774K | -578K | 0 | -1.7M | -3.21M | -3.21M | -3.21M | -3.21M | -3.21M | -3.21M |
| Share Repurchases | -366K | -398K | -64.52M | -35.77M | -1.24M | -76.71M | -81.62M | -3.29M | -2.23M | -2.19M |
| Stock Issued | 65.51M | 192.05M | 0 | 0 | 0 | 0 | 0 | 0 | 2.81M | 3.75M |
| Net Stock Activity | 65.14M | 191.66M | -64.52M | -35.77M | -1.24M | -76.71M | -81.62M | -3.29M | 578K | 1.56M |
| Debt Issuance (Net) | 1000K | -1000K | 1000K | -1000K | -1000K | -1000K | 1000K | -1000K | 1000K | 0 |
| Other Financing | 152.74M | 139.95M | 337.11M | 922.17M | -69.89M | -464.8M | -192.22M | 845.94M | 129.4M | 971.8M |
| Net Change in Cash | 19.61M▲ 0% | 100.81M▲ 413.9% | -37.06M▼ 136.8% | 116.51M▲ 414.4% | 68.78M▼ 41.0% | 25M▼ 63.6% | -121.55M▼ 586.1% | 43.48M▲ 135.8% | -81.65M▼ 287.8% | 31.22M▲ 0% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -47.77M |
| Cash at Beginning | 114.51M | 134.13M | 234.94M | 197.88M | 314.39M | 383.18M | 408.18M | 286.63M | 330.12M | 248.47M |
| Cash at End | 134.13M | 234.94M | 197.88M | 314.39M | 383.18M | 408.18M | 286.63M | 330.12M | 248.47M | 581.94M |
| Interest Paid | 20.39M | 31.96M | 52.01M | 41.74M | 18.95M | 16.33M | 48.28M | 68.63M | 73.9M | 56.77M |
| Income Taxes Paid | 12.89M | 12.84M | 17.75M | 12.08M | 40M | 47.22M | 14.14M | 1K | 0 | 1.87M |
| Free Cash Flow | 39.32M▲ 0% | 55.05M▲ 40.0% | 51.11M▼ 7.2% | 79.75M▲ 56.0% | 122.6M▲ 53.7% | 63.58M▼ 48.1% | 16.24M▼ 74.5% | -28.59M▼ 276.1% | 50.62M▲ 277.0% | 57.38M▲ 0% |
| FCF Growth % | 47.5% | 40.02% | -7.16% | 56.04% | 53.72% | -48.14% | -74.46% | -276.06% | 277.05% | 92.65% |
Triumph Financial, Inc. (TFIN) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 10.64% | 10.06% | 9.2% | 9.39% | 14.25% | 11.71% | 4.69% | 1.83% | 2.77% | 3.4% |
| Return on Assets (ROA) | 1.18% | 1.28% | 1.22% | 1.16% | 1.9% | 1.81% | 0.77% | 0.28% | 0.41% | 0.49% |
| Net Interest Margin | 4.45% | 4.98% | 5.06% | 4.8% | 6.2% | 7.51% | 6.88% | 5.89% | 5.49% | 0.02% |
| Efficiency Ratio | 52.15% | 58.37% | 59.55% | 56.96% | 65.05% | 67.73% | 74.86% | 77.24% | 77.52% | 79.66% |
| Equity / Assets | 11.19% | 13.96% | 12.58% | 12.24% | 14.42% | 16.67% | 16.17% | 14.98% | 14.76% | 13.83% |
| Book Value / Share | 19.58 | 24.98 | 24.43 | 29.52 | 34.01 | 35.52 | 37.25 | 37.47 | 39.49 | 39.55 |
| NII Growth | 38.56% | 45.84% | 12.71% | 11.26% | 29.64% | 8.5% | -8.09% | -4.79% | 0.04% | -99.51% |
| Dividend Payout | - | - | - | - | - | - | - | - | - | 0% |
Triumph Financial, Inc. (TFIN) SEC filings — annual & quarterly reports (10-K, 10-Q)
Apr 23, 2026·SEC
Apr 21, 2026·SEC
Feb 27, 2026·SEC
Triumph Financial, Inc. (TFIN) stock FAQ — growth, dividends, profitability & financials explained
Triumph Financial, Inc. (TFIN) grew revenue by 5.8% over the past year. This is steady growth.
Yes, Triumph Financial, Inc. (TFIN) is profitable, generating $31.7M in net income for fiscal year 2025 (4.9% net margin).
Yes, Triumph Financial, Inc. (TFIN) pays a dividend with a yield of 0.20%. This makes it attractive for income-focused investors.
Triumph Financial, Inc. (TFIN) has a return on equity (ROE) of 2.8%. This is below average, suggesting room for improvement.
Triumph Financial, Inc. (TFIN) has a net interest margin (NIM) of 5.5%. This indicates healthy earnings from lending activities.
Triumph Financial, Inc. (TFIN) has an efficiency ratio of 77.5%. This is higher than peers, suggesting room for cost optimization.
Triumph Financial, Inc. (TFIN) financial analysis — history, returns, DCA and operating performance tools
Historical returns with dividends reinvested
Dollar cost averaging vs lump sum
Yield, growth, payout safety & DRIP
EPS trends, net income & profitability
Long-term charts & historical price data
Sales growth patterns & revenue breakdown
30 years of market, efficiency and balance-sheet ratios
DCF intrinsic value, peer multiples & estimates