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Triumph Financial, Inc.

TFIN Financial Banks Regional

Triumph Financial, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $518.9 million, up 6.34% from fiscal 2024.

Revenue
+17.4%
EPS
+1,225.0%
Free cash flow
+92.6%
Total debt
+1.55%

Quarter to September 2026, against a year earlier

61.13 1.10 −1.77%
Market cap
$1.5B
P/E
31.0×
Fwd P/E
31.8×
Dividend yield
—
F-score
5/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.97
Sold, $m 0.92
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — 1 — — 1 — — — — — —
Sell 1 — — 1 — 1 — — 2 — — —
Insider Ownership 5.90%

Capital & Financial Ratios $m

Size
Market Cap 1,490.00
Revenue ttm 561.98
Net income ttm 50.37
Free cash flow ttm 166.56
Net debt Q (989.03)
Valuation
P/E 31.03
Forward P/E 31.80
Price / sales 2.60
Forward P/S Powerpack
Price / FCF 8.78
Price / book 1.57
Financial health
Current ratio Q 1.02
Debt / equity Q 0.04
Interest coverage Q —
Growth
Revenue growth Q +17.43% (above 0%: growing)
Operating income growth Q +1,341.08% (above 0%: growing)
EPS, this year +110.11% (at or above 15%: strong)
EPS, next year A +79.84% (at or above 15%: strong)
Revenue, next year A −7.49% (below 0%: weak)
EPS, past 5 yrs −18.14% (below 0%: weak)
EPS, next 5 yrs A +64.04% (at or above 15%: strong)

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 69.68%
10-year low 10-year high
P/S against its own 10 years 26.36%
10-year low 10-year high
P/B against its own 10 years 35.26%
10-year low 10-year high

Dividends

Yield
—
Annual rate
—
Payout ratio
—

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 287 330 248 1,033
Receivables — — — —
Inventory — — — —
Other — — — —
4,416 4,838 5,204 6,681
2023 2024 2025 Q'26
Payables 3,977 4,821 4,950 6,468
ST’ Debt — — — —
Other — — — —
4,341 4,920 5,300 6,538

Compound Annual Growth %

10y 5y 3y
Sales 14.66% 6.29% 1.02%
Cash Flow 10.24% (7.18%) (6.00%)
Earnings (2.44%) (18.69%) (39.31%)
Book Value 13.39% 5.32% 1.94%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 0.60 Actual 0.54

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 0.29 0.77 Beat by 0.48
Q1 FY26 0.15 0.23 Beat by 0.08
Q2 FY26 0.44 0.44 Met by 0.00
Q3 FY26 0.60 0.54 Miss by 0.06
Q4 FY26 0.76 — Reports 25 January 2027

EPS $

Mar Jun Sep Dec Year
’26 0.23 0.44 0.52 — —
’25 (0.03) 0.15 0.04 0.77 0.93
’24 0.14 0.08 0.19 0.13 0.54
’23 0.43 0.29 0.51 0.37 1.61
’22 0.93 1.74 0.62 0.67 3.96
’21 1.32 1.08 0.94 1.02 4.35
’20 (0.18) 0.56 0.89 1.25 2.53
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 122 146 153 — —
’25 119 129 130 140 519
’24 117 124 126 121 488
’23 112 117 121 123 473
’22 115 154 116 118 503
’21 103 109 109 122 442
’20 83 94 93 112 383
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 5 46 26 — —
’25 (4) 10 24 36 67
’24 (11) 22 27 21 59
’23 1 8 9 42 60
’22 51 (37) 49 17 81
’21 22 36 32 48 137
’20 14 6 40 37 97
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 (1) 43 24 — —
’25 (1) 9 13 100 120
’24 (72) 15 20 8 (28)
’23 (17) 5 7 21 16
’22 49 (40) 47 9 64
’21 17 32 31 44 124
’20 10 (4) 40 36 82
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

2.4
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 145 218 286 343 383 442 503 473 488 519 562 +15.2% 480 530 563 +2.7%
Gross margin, % 91.66 90.11 87.44 83.88 90.23 95.83 96.28 88.50 85.23 84.61 83.95 (7.1) pt
EBT 34 61 67 75 85 145 137 53 20 33 66 (0.2%)
EBT margin, % 23.04 28.04 23.26 22.01 22.15 32.79 27.22 11.18 4.19 6.36 11.78 (16.7) pt
Net income 21 36 52 59 64 113 102 41 16 25 50 +2.3%
Per share, $
Per share, $ Revenue 8.15 11.39 11.53 13.21 15.68 17.87 20.63 20.36 20.95 21.97 23.50 +11.7%
Earnings 1.11 1.85 2.06 2.26 2.56 4.44 4.06 1.63 0.55 0.94 1.97 (1.8%)
Cash flow 1.74 2.47 2.98 2.79 3.99 5.54 3.31 2.59 2.51 2.84 4.74 +5.6%
Capex (0.06) (0.14) (0.42) (0.72) (0.63) (0.53) (0.69) (1.89) (3.72) 2.26 2.23 n/m
Free cash flow 1.68 2.33 2.56 2.08 3.36 5.01 2.62 0.70 (1.20) 5.10 6.97 +13.1%
Book value 16.20 20.47 25.68 24.54 29.80 34.72 36.44 37.25 38.26 39.87 40.92 +10.5%
Shares, m 18 19 25 26 24 25 24 23 23 24 24 +3.2%
Valuation, ×
Valuation, × P/E 23.69 17.57 14.35 16.82 19.11 26.88 12.25 48.32 168.30 67.34 31.03 41.5
P/S 3.23 2.88 2.57 2.88 3.10 6.66 2.41 3.89 4.34 2.85 2.60 3.5
P/B 1.68 1.65 1.16 1.55 1.74 3.62 1.44 2.24 2.50 1.65 1.57 1.9
EV/Sales 2.67 2.45 1.89 2.42 2.88 5.95 1.68 3.37 3.75 2.45 — 3.0
EV/FCF 12.94 11.98 8.51 15.37 13.46 21.24 13.22 98.17 (65.31) 10.58 — 14.0
Cash, $m
Cash, $m Operating cash flow 31 47 74 72 97 137 81 60 59 67 113 +9.0%
Capex (1) (3) (10) (19) (15) (13) (17) (44) (87) 53 53 n/m
Free cash flow 30 44 64 54 82 124 64 16 (28) 120 167 +16.7%
Balance, $m
Balance, $m Working capital (178) (120) (16) 57 328 280 182 75 (83) (96) 143 (6.6%)
Net debt (82) (96) (196) (158) (82) (315) (367) (245) (288) (205) (989) +10.8%
Shareholders’ equity 289 392 637 637 727 859 889 864 891 942 979 +14.0%
Returns, %
Returns, % ROA 0.91 1.15 1.27 1.22 1.13 1.85 1.76 0.71 0.23 0.36 0.67 (0.5) pt
ROIC 10.09 12.89 9.43 9.86 8.22 16.67 16.41 5.33 2.12 2.80 0.00 (7.3) pt
ROE 7.37 10.71 10.04 9.20 9.45 14.68 11.96 4.55 1.55 2.54 5.22 (4.8) pt
People
People Employees 705 821 1,122 1,107 1,126 1,251 1,429 1,468 1,553 1,450 — +8.3%
Revenue/emp, $m 0.21 0.27 0.25 0.31 0.34 0.35 0.35 0.32 0.31 0.36 — +6.3%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 2 Nov 2026

Triumph Financial, Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
CASH Pathward Financial, Inc. $1.6B 9.3× 9.2× −2.04% (below 0%: shrinking) +9.41% (above 0%: growing) +20.54% (above 0%: growing) 99.33% 0.00% Compare
AVAL Grupo Aval Acciones y Valores S.A. $1.6B 10.8× — +74.54% (above 0%: growing) +30.00% (above 0%: growing) +884.01% (above 0%: growing) 46.31% 0.00% Compare
LOB Live Oak Bancshares, Inc. $1.6B 11.8× 12.7× +16.97% (above 0%: growing) +1.25% (above 0%: growing) +92.37% (above 0%: growing) 58.14% 0.00% Compare
ESQ Esquire Financial Holdings, Inc. $1.5B 20.0× 20.5× +18.87% (above 0%: growing) +6.08% (above 0%: growing) +59.96% (above 0%: growing) 88.35% 0.00% Compare
LKFN Lakeland Financial Corporation $1.5B 13.6× 13.5× +1.66% (above 0%: growing) +11.94% (above 0%: growing) +29.20% (above 0%: growing) 66.58% 0.00% Compare
TFIN Triumph Financial, Inc. $1.5B 31.0× 31.8× +17.43% (above 0%: growing) +1,225.00% (above 0%: growing) +92.55% (above 0%: growing) 82.08% 0.00%
AMAL Amalgamated Financial Corp. $1.5B 12.0× 11.7× +12.48% (above 0%: growing) +37.01% (above 0%: growing) −13.76% (below 0%: shrinking) 76.18% 0.00% Compare
TMP Tompkins Financial Corporation $1.4B 7.9× 12.6× +0.61% (above 0%: growing) +21.08% (above 0%: growing) +4.04% (above 0%: growing) 73.43% 0.00% Compare
BHRB Burke & Herbert Financial Services Corp. $1.4B 11.5× 11.4× +37.99% (above 0%: growing) −9.60% (below 0%: shrinking) +19.35% (above 0%: growing) 70.66% 0.00% Compare
Median of peers $1.5B 11.6× 12.6× +14.73% +10.68% +24.87% 72.05% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 11 March 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 4.61m (119.28k) 129.00
2024 3.52m 5.13m 239.03
2023 3.26m 6.47m 210.89
2022 2.77m (3.00m) 128.54
2021 2.44m 8.42m 313.20

Ownership

Directors and executive officers, together 4.98%
BlackRock, Inc. 14.10%
Kayne Anderson Rudnick Investment Management LLC 8.90%
The Vanguard Group 8.20%
AltraView Capital, LLC 6.40%
Thrivent Financial for Lutherans 6.30%
State Street Corporation 5.00%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Triumph Financial, Inc. (TFIN) Latest News

30 Oct

Impact 3 · · The Motley Fool

23 Oct

Impact 4 · · StockStory
Impact 4 · · StockStory
Impact 3 · · Simply Wall St.

22 Oct

Impact 4 · · MarketBeat
Impact 4 · · The Motley Fool transcript
Impact 4 · · FreightWaves
Impact 4 · · Moby transcript
Impact 3 · · Simply Wall St.

21 Oct

Impact 4 · · FreightWaves
Impact 3 · · Zacks
Impact 3 · · Zacks
Impact 3 · · Associated Press
Impact 3 · · StockStory
Impact 3 · · Business Wire

20 Oct

Impact 3 · · StockStory

14 Oct

Impact 3 · · Zacks

5 Oct

Impact 3 · · FreightWaves

30 Sep

Impact 3 · · PR Newswire
Impact 3 · · StockStory

26 Sep

Impact 3 ·

25 Sep

Impact 3 ·

22 Sep

Impact 3 ·
Impact 3 · · Business Wire

3 Aug

Impact 3 ·

22 Jul

Impact 3 · transcript
Impact 3 · · MarketBeat transcript
Impact 3 ·

21 Jul

Impact 3 ·

8 Jul

Impact 3 ·
stockrow.com/TFIN · Data as of Nov 2, 2026 · For information only; not investment advice. · © 2026 stockrow.com