Triumph Financial, Inc. (TFIN) 10-Year Financial Performance & Capital Metrics

TFIN • • Banking & Credit

Financial ServicesRegional BanksDigital & Specialized BankingSBA & Specialty Lending

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 $350M -4.8%
Total Revenue $488M +3.3%
Net Income $16M -60.8%
Return on Equity 1.83% -60.9%
Net Interest Margin 5.89% -14.4%
Efficiency Ratio 77.24% +3.2%
ROA 0.28% -63.0%
Equity / Assets 14.98% -7.4%
Book Value per Share 37.47 +0.6%
Tangible BV/Share 25.01 -0.7%
Debt/Equity 0.16 -66.0%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Strong NIM of 5.9%
✓Well capitalized: 15.0% equity/assets

✗Weaknesses

✗Profits declining 22.8% over 5 years
✗High cost structure: 77.2% efficiency ratio

Price & Volume

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Growth Metrics

Revenue CAGR

10Y17.24%

5Y7.31%

3Y3.33%

TTM-

Profit (Net Income) CAGR

10Y-0.97%

5Y-22.76%

3Y-47.78%

TTM-58.03%

EPS CAGR

10Y-9.83%

5Y-24.83%

3Y-50.12%

TTM-63.21%

ROCE

10Y Avg7.36%

5Y Avg7.04%

3Y Avg5.64%

Latest1.64%

Peer Comparison

SBA & Specialty Lending

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
TFINTriumph Financial, Inc.	1.68B	70.50	130.56	3.34%	3.3%	1%		0.16
LOBLive Oak Bancshares, Inc.	1.74B	37.87	22.41	19.67%	8.34%	5.78%	28.05%	0.11
ESQEsquire Financial Holdings, Inc.	923.79M	107.85	20.98	13.67%	31.57%	17.59%	4.23%
FINWFinWise Bancorp	243.89M	17.95	19.30	12.56%	13.07%	7.97%		0.03
FSFGFirst Savings Financial Group, Inc.	228.62M	32.59	16.46	4.58%	10.11%	11.73%	39.59%	1.98
RBBRBB Bancorp	372.65M	21.86	14.87	-1.75%	11.49%	5.09%	15.49%	0.72
HOPEHope Bancorp, Inc.	1.5B	11.72	14.29	-8.63%	9.96%	2.29%	7.12%	0.18
RBCAARepublic Bancorp, Inc.	1.27B	72.96	14.08	18.56%	20.28%	11.76%	11.29%	0.54

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	90.65M	112.36M	155.68M	227.05M	255.9M	284.73M	369.13M	400.49M	368.08M	350.46M
NII Growth %	0.13%	0.24%	0.39%	0.46%	0.13%	0.11%	0.3%	0.08%	-0.08%	-0.05%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	98.76M	124.49M	177.22M	262.98M	311.15M	322.12M	387.56M	419.24M	422.42M	422.51M
Interest Expense	8.11M	12.13M	21.54M	35.93M	55.25M	37.39M	18.43M	18.75M	54.34M	72.06M
Loan Loss Provision	4.53M	6.69M	11.63M	16.17M	7.94M	38.33M	-8.89M	6.56M	11.46M	18.47M
Non-Interest Income+	18.18M	20.96M	19.8M	21.9M	31.57M	50.63M	54.45M	83.71M	49.43M	65.11M
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	116.94M	145.45M	197.02M	284.88M	342.72M	372.74M	442M	502.94M	471.85M	487.63M
Revenue Growth %	0.18%	0.24%	0.35%	0.45%	0.2%	0.09%	0.19%	0.14%	-0.06%	0.03%
Non-Interest Expense	66.75M	93.11M	102.75M	166.28M	204.08M	212.32M	287.51M	340.63M	353.23M	376.63M
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	37.55M	33.51M	61.1M	66.5M	75.45M	84.71M	144.95M	137M	52.81M	20.47M
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	0.24%	-0.11%	0.82%	0.09%	0.13%	0.12%	0.71%	-0.05%	-0.61%	-0.61%
Pretax Income+	37.55M	33.51M	61.1M	66.5M	75.45M	84.71M	144.95M	137M	52.81M	20.47M
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	8.42M	12.81M	24.88M	14.79M	16.9M	20.69M	31.98M	34.69M	11.73M	4.38M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	29.13M	20.7M	36.22M	51.71M	58.54M	64.02M	112.97M	102.31M	41.08M	16.09M
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	0.64%	-0.29%	0.75%	0.43%	0.13%	0.09%	0.76%	-0.09%	-0.6%	-0.61%
Net Income (Continuing)	29.13M	20.7M	36.22M	51.71M	58.54M	64.02M	112.97M	102.31M	41.08M	16.09M
EPS (Diluted)+	1.56	1.10	1.81	2.03	2.25	2.53	4.35	3.96	1.61	0.54
EPS Growth %	0.03%	-0.29%	0.65%	0.12%	0.11%	0.12%	0.72%	-0.09%	-0.59%	-0.66%
EPS (Basic)	1.58	1.11	1.85	2.06	2.26	2.56	4.44	4.06	1.63	0.55
Diluted Shares Outstanding	18.02M	18.05M	20M	25.48M	26.06M	24.62M	25.25M	25.02M	23.21M	23.78M

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	105.28M	114.51M	134.13M	234.94M	197.88M	314.39M	383.18M	408.18M	286.63M	330.12M
Short Term Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Total Investments+	1.44B	2.32B	3.13B	3.93B	4.43B	5.16B	5.03B	4.35B	4.44B	4.9B
Investments Growth %	0.24%	0.6%	0.35%	0.26%	0.13%	0.16%	-0.03%	-0.14%	0.02%	0.1%
Long-Term Investments	1.28B	2.04B	2.88B	3.6B	4.18B	4.94B	4.84B	4.09B	4.14B	4.81B
Accounts Receivables	0	0	0	0	0	0	0	0	0	0
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	15.97M	28.81M	44.13M	158.74M	158.74M	163.21M	233.73M	233.71M	233.71M	241.95M
Intangible Assets	11.89M	17.72M	19.65M	40.67M	31.54M	26.71M	43.13M	32.06M	46.01M	54.23M
PP&E (Net)	22.23M	45.46M	62.86M	83.39M	96.59M	103.4M	105.73M	103.34M	113.46M	160.74M
Other Assets	76.18M	99.14M	101.67M	100.46M	140.9M	160.01M	154.9M	193.13M	222.5M	253.06M
Total Current Assets	268.45M	389.54M	384.73M	571.36M	446.7M	538.7M	565.6M	662.69M	586.28M	416.91M
Total Non-Current Assets	1.42B	2.25B	3.11B	3.99B	4.61B	5.4B	5.39B	4.67B	4.76B	5.53B
Total Assets+	1.69B	2.64B	3.5B	4.56B	5.06B	5.94B	5.96B	5.33B	5.35B	5.95B
Asset Growth %	0.17%	0.56%	0.32%	0.3%	0.11%	0.17%	0%	-0.1%	0%	0.11%
Return on Assets (ROA)	0.02%	0.01%	0.01%	0.01%	0.01%	0.01%	0.02%	0.02%	0.01%	0%
Accounts Payable	0	0	0	0	0	0	0	0	0	0
Total Debt+	164M	321.96M	463.94M	422.5M	558.93M	427.54M	356.81M	179.3M	405.42M	142.01M
Net Debt	58.73M	207.45M	329.81M	187.56M	361.05M	113.15M	-26.37M	-228.88M	118.78M	-188.1M
Long-Term Debt	154.69M	311.47M	452.45M	418.01M	556.89M	424.44M	354.7M	178.96M	405.42M	142.01M
Short-Term Debt	9.32M	10.49M	11.49M	4.49M	2.03M	3.1M	2.1M	340K	0	0
Other Liabilities	10.32M	13.97M	22.05M	50.33M	74.88M	64.87M	93.9M	94.18M	100.04M	95.22M
Total Current Liabilities	1.26B	2.03B	2.63B	3.45B	3.79B	4.72B	4.65B	4.17B	3.98B	4.82B
Total Non-Current Liabilities	165.01M	325.45M	474.5M	468.34M	631.77M	489.31M	448.6M	273.14M	505.46M	237.24M
Total Liabilities	1.42B	2.35B	3.11B	3.92B	4.42B	5.21B	5.1B	4.44B	4.48B	5.06B
Total Equity+	268.04M	289.35M	391.7M	636.61M	636.59M	726.78M	858.86M	888.97M	864.4M	890.92M
Equity Growth %	0.13%	0.08%	0.35%	0.63%	-0%	0.14%	0.18%	0.04%	-0.03%	0.03%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.12%	0.07%	0.11%	0.1%	0.09%	0.09%	0.14%	0.12%	0.05%	0.02%
Book Value per Share	14.88	16.03	19.58	24.98	24.43	29.52	34.01	35.52	37.25	37.47
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	181K	182K	209K	271K	272K	280K	283K	283K	290K	291K
Additional Paid-in Capital	194.3M	197.16M	264.86M	469.34M	473.25M	489.15M	510.94M	534.79M	550.74M	567.88M
Retained Earnings	64.1M	83.91M	119.36M	170.49M	229.03M	289.58M	399.35M	498.46M	536.33M	549.22M
Accumulated OCI	277K	-276K	-596K	-1.2M	1.11M	5.82M	8.03M	-6.9M	-2.93M	-3.12M
Treasury Stock	-560K	-1.37M	-1.78M	-2.29M	-67.07M	-103.05M	-104.74M	-182.66M	-265.04M	-268.36M
Preferred Stock	9.75M	9.75M	9.66M	0	0	45M	45M	45M	45M	45M

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	25.3M	30.98M	47.27M	73.83M	72.45M	97.33M	136.96M	80.75M	60.06M	58.57M
Operating CF Growth %	0.29%	0.22%	0.53%	0.56%	-0.02%	0.34%	0.41%	-0.41%	-0.26%	-0.02%
Net Income	29.13M	20.7M	36.22M	51.71M	58.54M	64.02M	112.97M	102.31M	41.08M	16.09M
Depreciation & Amortization	6.12M	6.6M	9.2M	12.7M	17.27M	19.05M	22.91M	29.29M	29.71M	33.35M
Deferred Taxes	-280K	1.89M	10.16M	708K	3.93M	-2.08M	-5.83M	-1.78M	6.54M	-4.78M
Other Non-Cash Items	-14.02M	1.33M	-16.49M	8.23M	75K	-11.56M	-19.05M	-31.21M	6.14M	14.99M
Working Capital Changes	1.26M	-1.9M	6.38M	-2.25M	-11.02M	23.27M	5.64M	-39.03M	-36.63M	-15.59M
Cash from Investing+	-389.13M	-273.56M	-379.77M	-268.31M	-520.37M	-774.74M	77.66M	666.11M	-129.56M	-590.03M
Purchase of Investments	-51.04M	-74.06M	-23.13M	-19.88M	-80.46M	-133.97M	-58.79M	-140.77M	-72.04M	-204.79M
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	-127.59M	-14.48M	55.58M	-68.02M	0	-14.54M	-96.93M	85.92M	0	-10M
Other Investing	-239.28M	-272.51M	-584.37M	-364.41M	-589.57M	-776.31M	147.58M	664.7M	-79.69M	-437.4M
Cash from Financing+	308.23M	251.81M	352.11M	295.29M	410.86M	793.92M	-145.83M	-721.87M	-52.05M	574.94M
Dividends Paid	-780K	-887K	-774K	-578K	0	-1.7M	-3.21M	-3.21M	-3.21M	-3.21M
Share Repurchases	-343K	-11.15M	-366K	-398K	-64.52M	-35.77M	-1.24M	-76.71M	-81.62M	-3.29M
Stock Issued	0	0	65.51M	192.05M	0	0	0	0	0	0
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	1000K	1000K	1000K	-1000K	1000K	-1000K	-1000K	-1000K	1000K	-1000K
Other Financing	84.03M	115.17M	152.74M	139.95M	337.11M	922.17M	-69.89M	-464.8M	-192.22M	845.94M
Net Change in Cash+	-55.61M	9.24M	19.61M	100.81M	-37.06M	116.51M	68.78M	25M	-121.55M	43.48M
Exchange Rate Effect	0	0	0	0	0	0	0	0	0	0
Cash at Beginning	160.89M	105.28M	114.51M	134.13M	234.94M	197.88M	314.39M	383.18M	408.18M	286.63M
Cash at End	105.28M	114.51M	134.13M	234.94M	197.88M	314.39M	383.18M	408.18M	286.63M	330.12M
Interest Paid	7.86M	10.45M	20.39M	31.96M	52.01M	41.74M	18.95M	16.33M	48.28M	68.63M
Income Taxes Paid	5.88M	10.94M	12.89M	12.84M	17.75M	12.08M	40M	47.22M	14.14M	1K
Free Cash Flow+	22.86M	26.66M	39.32M	55.05M	51.11M	79.75M	122.6M	63.58M	16.24M	-28.59M
FCF Growth %	0.35%	0.17%	0.47%	0.4%	-0.07%	0.56%	0.54%	-0.48%	-0.74%	-2.76%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	11.53%	7.43%	10.64%	10.06%	9.2%	9.39%	14.25%	11.71%	4.69%	1.83%
Return on Assets (ROA)	1.86%	0.96%	1.18%	1.28%	1.22%	1.16%	1.9%	1.81%	0.77%	0.28%
Net Interest Margin	5.36%	4.25%	4.45%	4.98%	5.06%	4.8%	6.2%	7.51%	6.88%	5.89%
Efficiency Ratio	57.08%	64.02%	52.15%	58.37%	59.55%	56.96%	65.05%	67.73%	74.86%	77.24%
Equity / Assets	15.85%	10.96%	11.19%	13.96%	12.58%	12.24%	14.42%	16.67%	16.17%	14.98%
Book Value / Share	14.88	16.03	19.58	24.98	24.43	29.52	34.01	35.52	37.25	37.47
NII Growth	12.67%	23.95%	38.56%	45.84%	12.71%	11.26%	29.64%	8.5%	-8.09%	-4.79%

Revenue by Segment

	2018	2022	2023	2024
Financial Service	5.15M	24.22M	30.25M	35.38M
Financial Service Growth	-	370.33%	24.87%	16.97%
Credit and Debit Card	-	8.15M	8.18M	8.04M
Credit and Debit Card Growth	-	-	0.38%	-1.77%
Deposit Account	5.47M	6.84M	7M	7.08M
Deposit Account Growth	-	25.14%	2.29%	1.19%
Credit And Debit Card	6.51M	-	-	-
Credit And Debit Card Growth	-	-	-	-

Frequently Asked Questions

Valuation & Price

Triumph Financial, Inc. (TFIN) has a price-to-earnings (P/E) ratio of 130.6x. This suggests investors expect higher future growth.

Growth & Financials

Triumph Financial, Inc. (TFIN) grew revenue by 3.3% over the past year. Growth has been modest.

Yes, Triumph Financial, Inc. (TFIN) is profitable, generating $9.2M in net income for fiscal year 2024 (3.3% net margin).

Dividend & Returns

Yes, Triumph Financial, Inc. (TFIN) pays a dividend with a yield of 0.19%. This makes it attractive for income-focused investors.

Triumph Financial, Inc. (TFIN) has a return on equity (ROE) of 1.8%. This is below average, suggesting room for improvement.

Industry Metrics

Triumph Financial, Inc. (TFIN) has a net interest margin (NIM) of 5.9%. This indicates healthy earnings from lending activities.

Triumph Financial, Inc. (TFIN) has an efficiency ratio of 77.2%. This is higher than peers, suggesting room for cost optimization.

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