TFIN trades 21.9% below Wall Street's consensus target of $74.67.
Last 12 months price action with 12-month analyst target path
The base valuation assumes TFIN achieves its forward estimates and maintains a stable P/E multiple of 31.3x. This scenario reflects the blended consensus of 9 Wall Street analysts, balancing both positive catalysts and macroeconomic headwinds over the next 12 months.
As of November 7, 2026, Triumph Financial, Inc. (TFIN) has a Wall Street consensus price target of $74.67, based on estimates from 9 covering analysts. With the stock currently trading at $61.23, this represents a potential upside of +21.9%. The company has a market capitalization of $1.46B.
Analyst price targets range from a low of $70.00 to a high of $84.00, representing a 19% spread in expectations. The median target of $70.00 differs from the mean, suggesting potential outlier estimates. The tight target dispersion indicates high conviction among analysts.
The current analyst consensus rating is Hold, with 3 analysts rating the stock as a Buy or Strong Buy,4 rating it Hold, and 2 rating it Sell or Strong Sell. The mixed ratings reflect uncertainty about near-term direction.
From a valuation perspective, TFIN trades at a trailing P/E of 29.4x and forward P/E of 31.3x. Analysts expect EPS to grow -6.3% over the next year.
Our proprietary valuation model, which blends historical multiples with forward estimates, suggests a base-case price target of $41.01, with bear and bull scenarios of $25.83 and $54.03 respectively. Model confidence stands at 46/100, suggesting limited visibility into future performance.
| Company | Market Cap | Price | Target | Upside Potential | Rating | Fwd P/E | Analysts |
|---|---|---|---|---|---|---|---|
 TCBKTriCo Bancshares | $1.7B | $52.17 | $61.75 | +18.4% | Hold | 11.8x | 12 |
 CVBFCVB Financial Corp. | $3.3B | $22.74 | $26.67 | +17.3% | Hold | 14.3x | 16 |
 BOKFBOK Financial Corporation | $7.9B | $129.48 | $145.00 | +12.0% | Hold | 12.1x | 21 |
 IBCPIndependent Bank Corporation | $748M | $36.31 | $43.00 | +18.4% | Hold | 10.6x | 8 |
 FFINFirst Financial Bankshares, Inc. | $4.4B | $30.41 | $34.33 | +12.9% | Hold | 14.9x | 17 |
 WRLDWorld Acceptance Corporation | $695M | $149.08 | — | — | Hold | 21.1x | 10 |
 ECPGEncore Capital Group, Inc. | $2.4B | $114.14 | $124.00 | +8.6% | Buy | 8.4x | 15 |
 PRAAPRA Group, Inc. | $493M | $12.92 | $25.00 | +93.5% | Hold | 3.9x | 13 |
 NAVINavient Corporation | $791M | $8.42 | $10.75 | +27.7% | Hold | 10.7x | 24 |
 CACCCredit Acceptance Corporation | $5.5B | $529.56 | $500.00 | -5.6% | Hold | 10.7x | 18 |
Quick answers to the most common questions about buying TFIN stock.
The consensus Wall Street price target for TFIN is $74.67, representing 21.9% upside from the current price of $61.23. With 9 analysts covering the stock, this strong upside suggests significant value not yet reflected in today's share price.
TFIN has a consensus rating of "Hold" based on 9 Wall Street analysts. The rating breakdown is mixed, with 4 Hold ratings making up the largest segment. The consensus 12-month price target of $74.67 implies 21.9% upside from current levels.
TFIN trades at a forward P/E of 31.3357x, representing a moderate valuation. With analysts targeting $74.67 (21.9% implied move), the stock appears reasonably valued with upside.
The most bullish Wall Street analyst has a price target of $84 for TFIN, while the most conservative target is $70. The consensus of $74.67 represents the median expectation. Our quantitative valuation model projects a bull case target of $54 based on optimistic growth and margin assumptions. These targets typically reflect 12-month expectations.
TFIN is moderately covered, with 9 analysts providing price targets and ratings. Of these, 0 have Strong Buy ratings, 3 have Buy ratings, 4 recommend Hold, and 2 have Sell or Strong Sell ratings. Higher analyst coverage generally indicates greater institutional interest and more reliable consensus estimates.
The 12-month TFIN stock forecast based on 9 Wall Street analysts shows a consensus price target of $74.67, with estimates ranging from $70 (bear case) to $84 (bull case). The median consensus rating is "Hold". Our proprietary valuation model produces a base case fair value of $41, with bear/bull scenarios of $26/$54.
Our quantitative valuation model calculates TFIN's fair value at $41 (base case), with a bear case of $26 and bull case of $54. The model uses discounted cash flow analysis, historical growth rates, and margin mean-reversion to project FY+2 earnings, then applies an appropriate P/E multiple. The model confidence score is 46/100.
TFIN trades at a forward P/E ratio of 31.3x based on next-twelve-months earnings estimates compared to a trailing P/E of 29.4x. The higher forward P/E suggests near-term earnings pressure. A forward P/E is useful for comparing valuations when earnings are expected to change significantly.
Wall Street analysts are very optimistic on TFIN, with a "Hold" consensus rating and $74.67 price target (21.9% upside). 3 of 9 analysts rate it Buy or Strong Buy. This information is for educational purposes only. Always conduct your own research, consider your financial situation, and consult a financial advisor before making investment decisions.
TFIN analyst price targets range from $70 to $84, a 19% tight range reflecting strong analyst consensus. Differences stem from varying assumptions about revenue growth, profit margins, competitive dynamics, and valuation multiples. The $74.67 consensus represents the middle ground. Our model's $26-$54 range provides an independent fundamental perspective.
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