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TFIN logoTriumph Financial, Inc.(TFIN)Earnings, Financials & Key Ratios

TFIN•NASDAQ•Banking & Credit
$67.89
$1.62B mkt cap·73.0× P/E·Price updated May 7, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustrySpecialty finance and niche lenders
AboutTriumph Financial Inc., a financial and technology company, focuses on payments, factoring, and banking. It operates through a portfolio of brands, including TriumphPay, Triumph, and TBK Bank. The company offers cash flow management services for the trucking industry comprising invoice factoring, fuel discount programs, truck and cargo insurance, and equipment finance, banking, and treasury services. It also provides factoring products and services; insurance products and services; and equipment finance and asset based lending products and services. The company was formerly known as Triumph Bancorp, Inc. and changed its name to Triumph Financial Inc. in December 2022. Triumph Financial Inc. was founded in 1981 and is headquartered in Dallas, Texas.Show more
  • Net Interest Income$351M
  • Total Revenue$516M+5.8%
  • Net Income$25M+57.6%
  • Return on Equity2.77%+51.0%
  • Net Interest Margin5.49%-6.7%
  • Efficiency Ratio77.52%+0.4%
  • ROA0.41%+44.4%
  • Equity / Assets14.76%-1.4%
  • Book Value per Share39.49+5.4%
  • Tangible BV/Share22.58-9.7%
Technical→

TFIN Key Insights

Triumph Financial, Inc. (TFIN) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Strong NIM of 5.5%
  • ✓Well capitalized: 14.8% equity/assets

✗Weaknesses

  • ✗Weak 3Y average ROE of 3.1%
  • ✗Profits declining 16.9% over 5 years
  • ✗High cost structure: 77.5% efficiency ratio

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

TFIN Price & Volume

Triumph Financial, Inc. (TFIN) stock price & volume — 10-year historical chart

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TFIN Growth Metrics

Triumph Financial, Inc. (TFIN) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years16%
5 Years6.72%
3 Years0.86%
TTM-

Profit CAGR

10 Years-1.38%
5 Years-16.91%
3 Years-37.18%
TTM165.27%

EPS CAGR

10 Years-5.04%
5 Years-18.14%
3 Years-38.3%
TTM220.81%

Return on Capital

10 Years6.35%
5 Years5.79%
3 Years2.12%
Last Year0.54%

TFIN Recent Earnings

Triumph Financial, Inc. (TFIN) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 6/12 qtrs (50%)●Beat Revenue 1/12 qtrs (8%)
Q2 2026Latest
Apr 21, 2026
EPS
$0.23
Est $0.15
+53.3%
Revenue
$106M
Est $107M
-1.4%
Q1 2026
Jan 26, 2026
EPS
$0.77
Est $0.30
+160.1%
Revenue
$106M
Est $111M
-4.1%
Q4 2025
Oct 15, 2025
EPS
$0.19
Est $0.04
+575.0%
Revenue
$109M
Est $111M
-1.5%
Q3 2025
Jul 16, 2025
EPS
$0.15
Est $0.05
+212.5%
Revenue
$108M
Est $111M
-3.0%
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 21, 2026
$0.23vs $0.15+53.3%
$106Mvs $107M-1.4%
Q1 2026Jan 26, 2026
$0.77vs $0.30+160.1%
$106Mvs $111M-4.1%
Q4 2025Oct 15, 2025
$0.19vs $0.04+575.0%
$109Mvs $111M-1.5%
Q3 2025Jul 16, 2025
$0.15vs $0.05+212.5%
$108Mvs $111M-3.0%
Based on last 12 quarters of dataView full earnings history →

TFIN Peer Comparison

Triumph Financial, Inc. (TFIN) competitors in Specialty finance and niche lenders — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
TCBK logoTCBKTriCo BancsharesDirect Competitor1.63B50.8213.701.78%9.43%0.06
CVBF logoCVBFCVB Financial Corp.Direct Competitor2.78B20.5113.49-2.33%9.25%0.43
BOKF logoBOKFBOK Financial CorporationDirect Competitor10.28B133.4516.3910.4%8.91%0.80
IBCP logoIBCPIndependent Bank CorporationDirect Competitor698.89M33.9510.38-0.3%14.2%0.23
FFIN logoFFINFirst Financial Bankshares, Inc.Direct Competitor4.61B32.3920.7618.79%13.25%0.12
WRLD logoWRLDWorld Acceptance CorporationProduct Competitor753.34M149.539.17-1.46%10.79%1.20
ECPG logoECPGEncore Capital Group, Inc.Product Competitor1.76B82.227.5433.89%30.7%4.23
PRAA logoPRAAPRA Group, Inc.Product Competitor802.9M20.88-2.6810.36%-25.96%0.03

Compare TFIN vs Peers

Triumph Financial, Inc. (TFIN) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs TCBK

Most directly comparable listed peer for TFIN.

Scale Benchmark

vs ODFL

Larger-name benchmark to compare TFIN against a more recognizable public peer.

Peer Set

Compare Top 5

vs TCBK, CVBF, BOKF, IBCP

TFIN Income Statement

Triumph Financial, Inc. (TFIN) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Net Interest Income155.68M227.05M255.9M284.73M369.13M400.49M368.08M350.46M350.59M1.71M
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 Income177.22M262.98M311.15M322.12M387.56M419.24M422.42M422.51M430.47M485K
Interest Expense21.54M35.93M55.25M37.39M18.43M18.75M54.34M72.06M79.88M-1.23M
Loan Loss Provision11.63M16.17M7.94M38.33M-8.89M6.56M11.46M18.47M2.87M59.98M
Non-Interest Income19.8M21.9M31.57M50.63M54.45M83.71M49.43M65.11M85.61M500.29M
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 Expense102.75M166.28M204.08M212.32M287.51M340.63M353.23M376.63M400.06M398.9M
Efficiency Ratio52.15%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 Tax24.88M14.79M16.9M20.69M31.98M34.69M11.73M4.38M7.63M9.37M
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)36.22M51.71M58.54M64.02M112.97M102.31M41.08M16.09M25.36M31.7M
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)1.852.062.262.564.444.061.630.550.94-
Diluted Shares Outstanding20M25.48M26.06M24.62M25.25M25.02M23.21M23.78M23.85M24.04M

TFIN Balance Sheet

Triumph Financial, Inc. (TFIN) balance sheet — assets, liabilities & shareholders' equity

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Cash & Short Term Investments384.73M571.36M446.7M538.7M565.6M662.69M586.28M416.91M612.75M1.65B
Cash & Due from Banks134.13M234.94M197.88M314.39M383.18M408.18M286.63M330.12M248.47M64.38M
Short Term Investments250.6M336.42M248.82M224.31M182.43M254.5M299.64M86.79M364.28M339.56M
Total Investments3.13B3.93B4.43B5.16B5.03B4.35B4.44B4.9B364.28M339.56M
Investments Growth %35.01%25.75%12.65%16.49%-2.64%-13.5%2.05%10.35%-92.56%-156.38%
Long-Term Investments2.88B3.6B4.18B4.94B4.84B4.09B4.14B4.81B010.47B
Accounts Receivables0000000000
Goodwill & Intangibles63.78M199.42M190.29M189.92M276.86M265.77M279.72M296.18M403.18M400.67M
Goodwill44.13M158.74M158.74M163.21M233.73M233.71M233.71M241.95M355.3M355.3M
Intangible Assets19.65M40.67M31.54M26.71M43.13M32.06M46.01M54.23M47.89M45.37M
PP&E (Net)62.86M83.39M96.59M103.4M105.73M103.34M113.46M160.74M91.07M89.49M
Other Assets101.67M100.46M140.9M160.01M154.9M193.13M222.5M253.06M00
Total Current Assets384.73M571.36M446.7M538.7M565.6M662.69M586.28M416.91M612.75M403.94M
Total Non-Current Assets3.11B3.99B4.61B5.4B5.39B4.67B4.76B5.53B494.44M490.16M
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 Payable0000000000
Total Debt463.94M422.5M558.93M427.54M356.81M179.3M405.42M142.01M0143.08M
Net Debt329.81M187.56M361.05M113.15M-26.37M-228.88M118.78M-188.1M-248.47M78.71M
Long-Term Debt452.45M418.01M556.89M424.44M354.7M178.96M405.42M142.01M0143.08M
Short-Term Debt11.49M4.49M2.03M3.1M2.1M340K0000
Other Liabilities22.05M50.33M74.88M64.87M93.9M94.18M100.04M95.22M5.44B5.78B
Total Current Liabilities2.63B3.45B3.79B4.72B4.65B4.17B3.98B4.82B00
Total Non-Current Liabilities474.5M468.34M631.77M489.31M448.6M273.14M505.46M237.24M5.44B5.93B
Total Liabilities3.11B3.92B4.42B5.21B5.1B4.44B4.48B5.06B5.44B5.93B
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 Share19.5824.9824.4329.5234.0135.5237.2537.4739.4939.55
Tangible BV per Share16.4017.1617.1321.8123.0524.9025.1925.0122.5822.88
Common Stock209K271K272K280K283K283K290K291K295K296K
Additional Paid-in Capital264.86M469.34M473.25M489.15M510.94M534.79M550.74M567.88M597.47M601.83M
Retained Earnings119.36M170.49M229.03M289.58M399.35M498.46M536.33M549.22M571.37M576.92M
Accumulated OCI-596K-1.2M1.11M5.82M8.03M-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 Stock9.66M0045M45M45M45M45M45M45M

TFIN Cash Flow Statement

Triumph Financial, Inc. (TFIN) cash flow — operating, investing & free cash flow history

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Cash from Operations47.27M73.83M72.45M97.33M136.96M80.75M60.06M58.57M67.06M67.06M
Operating CF Growth %52.58%56.18%-1.87%34.34%40.72%-41.04%-25.62%-2.48%14.5%266.92%
Net Income36.22M51.71M58.54M64.02M112.97M102.31M41.08M16.09M25.36M31.7M
Depreciation & Amortization9.2M12.7M17.27M19.05M22.91M29.29M29.71M33.35M37.26M36.4M
Deferred Taxes10.16M708K3.93M-2.08M-5.83M-1.78M6.54M-4.78M6.29M10.51M
Other Non-Cash Items-16.49M8.23M75K-11.56M-19.05M-31.21M6.14M14.99M-13.05M-18.5M
Working Capital Changes6.38M-2.25M-11.02M23.27M5.64M-39.03M-36.63M-15.59M-2.81M428K
Cash from Investing-379.77M-268.31M-520.37M-774.74M77.66M666.11M-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 Investments180.1M202.78M170.99M167.66M100.16M67.18M46.09M124.95M124.67M132.08M
Net Investment Activity156.97M182.9M90.53M33.69M41.37M-73.59M-25.95M-79.84M19.67M108.59M
Acquisitions55.58M-68.02M0-14.54M-96.93M85.92M0-10M-137.37M143K
Other Investing-584.37M-364.41M-589.57M-776.31M147.58M664.7M-79.69M-437.4M-391.33M-638.54M
Cash from Financing352.11M295.29M410.86M793.92M-145.83M-721.87M-52.05M574.94M376.77M545.15M
Dividends Paid-774K-578K0-1.7M-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 Issued65.51M192.05M0000002.81M3.75M
Net Stock Activity65.14M191.66M-64.52M-35.77M-1.24M-76.71M-81.62M-3.29M578K1.56M
Debt Issuance (Net)1000K-1000K1000K-1000K-1000K-1000K1000K-1000K1000K0
Other Financing152.74M139.95M337.11M922.17M-69.89M-464.8M-192.22M845.94M129.4M971.8M
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 Effect000000000-47.77M
Cash at Beginning114.51M134.13M234.94M197.88M314.39M383.18M408.18M286.63M330.12M248.47M
Cash at End134.13M234.94M197.88M314.39M383.18M408.18M286.63M330.12M248.47M581.94M
Interest Paid20.39M31.96M52.01M41.74M18.95M16.33M48.28M68.63M73.9M56.77M
Income Taxes Paid12.89M12.84M17.75M12.08M40M47.22M14.14M1K01.87M
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%

TFIN Banking Ratios

Triumph Financial, Inc. (TFIN) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric201720182019202020212022202320242025TTM
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 Margin4.45%4.98%5.06%4.8%6.2%7.51%6.88%5.89%5.49%0.02%
Efficiency Ratio52.15%58.37%59.55%56.96%65.05%67.73%74.86%77.24%77.52%79.66%
Equity / Assets11.19%13.96%12.58%12.24%14.42%16.67%16.17%14.98%14.76%13.83%
Book Value / Share19.5824.9824.4329.5234.0135.5237.2537.4739.4939.55
NII Growth38.56%45.84%12.71%11.26%29.64%8.5%-8.09%-4.79%0.04%-99.51%
Dividend Payout---------0%

TFIN SEC Filings & Documents

Triumph Financial, Inc. (TFIN) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 23, 2026·SEC

Material company update

Apr 21, 2026·SEC

Material company update

Feb 27, 2026·SEC

10-K Annual Reports

3
FY 2026

Feb 11, 2026·SEC

FY 2025

Feb 11, 2025·SEC

FY 2024

Feb 13, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

Apr 21, 2026·SEC

FY 2025

Oct 15, 2025·SEC

FY 2025

Jul 16, 2025·SEC

TFIN Frequently Asked Questions

Triumph Financial, Inc. (TFIN) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

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).

Dividend & Returns

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.

Industry Metrics

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.

Explore More TFIN

Triumph Financial, Inc. (TFIN) financial analysis — history, returns, DCA and operating performance tools

Total Return Calculator

Historical returns with dividends reinvested

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DCA Calculator

Dollar cost averaging vs lump sum

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Dividend History

Yield, growth, payout safety & DRIP

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Earnings History

EPS trends, net income & profitability

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Price History

Long-term charts & historical price data

→

Revenue History

Sales growth patterns & revenue breakdown

→

Financial Ratios

30 years of market, efficiency and balance-sheet ratios

→

Valuation

DCF intrinsic value, peer multiples & estimates

→
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