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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. In the quarter to June 2026, revenue grew 13.5%, EPS grew 193.3%, free cash flow grew 372.5% and total debt rose 1.54%, each against the same quarter a year earlier. Insiders bought in the last twelve months.

61.52 0.37 −0.60%
Market cap
$1.5B
P/E
41.6×
Fwd P/E
40.6×
Dividend yield
—
F-score
5/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.97
Total sells 0.92
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy — — — 1 — — 1 — — — — —
Sell — 1 — — 1 — 1 — — 2 — —
Insider Ownership 5.80%

Capital & Financial Ratios $m

Market Cap 1,480.00
Revenue 539.25
Net Income 38.65
Free Cash Flow 154.85
Net Debt (853.49)
Current Ratio 1.01
Debt/Equity 0.05
P/E ratio 41.57 (above 35: high)
Fwd P/E 40.60 (above 35: high)
P/S ratio 2.72
P/B ratio 1.60
Past 5Y EPS Growth (18.14%) (below 0%: weak)
This Y EPS Growth 111.83% (at or above 15%: strong)
Next Y EPS Growth 66.40% (at or above 15%: strong)
Next Y revenue growth (8.59%) (below 0%: weak)
Next 5Y EPS Growth 62.90% (at or above 15%: strong)

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 74.49%
10-year low 10-year high
P/S against its own 10 years 34.46%
10-year low 10-year high
P/B against its own 10 years 38.59%
10-year low 10-year high

Dividends

Payout Ratio —
Annual Dividend Rate —
Annual Dividend Yield —
total individual payouts
2023 Powerpack
2022 Powerpack
2021 Powerpack
2020 Powerpack
2019 Powerpack
2017 Powerpack
special payouts not included in total or ratios

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 287 330 248 897
Receivables — — — —
Inventory — — — —
Other — — — —
4,416 4,838 5,204 6,341
2023 2024 2025 Q'26
Payables 3,977 4,821 4,950 6,217
ST’ Debt — — — —
Other — — — —
4,341 4,920 5,300 6,287

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%

Revenue $m

Mar Jun Sep Dec Year
’26 122 146 — — —
’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 — — —
’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 — — —
’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.

EPS $

Mar Jun Sep Dec Year
’26 0.23 0.44 — — —
’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.

Target Price Range

Analyst price targets

Recommendation Rating

2.4
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low 12.63 20.50 27.47 27.21 19.03 48.31 45.08 46.37 66.85 42.90

Analyst estimates 2026–2028

Powerpack
High 27.50 35.45 44.70 39.00 51.95 136.02 126.12 81.64 110.58 92.44
People
People Employees 705 821 1,122 1,107 1,126 1,251 1,429 1,468 1,553 1,450
Revenue/emp, $m 0.21 0.27 0.25 0.31 0.34 0.35 0.35 0.32 0.31 0.36
Income, $m
Income, $m Revenue 145 218 286 343 383 442 503 473 488 519
Gross margin, % 91.66 90.11 87.44 83.88 90.23 95.83 96.28 88.50 85.23 84.61
EBT 34 61 67 75 85 145 137 53 20 33
EBT margin, % 23.04 28.04 23.26 22.01 22.15 32.79 27.22 11.18 4.19 6.36
Net income 21 36 52 59 64 113 102 41 16 25
Depreciation 2 3 6 12 9 13 16 20 25 24
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
Earnings 1.11 1.85 2.06 2.26 2.56 4.44 4.06 1.63 0.55 0.94
Cash flow 1.74 2.47 2.98 2.79 3.99 5.54 3.31 2.59 2.51 2.84
Capex (0.06) (0.14) (0.42) (0.72) (0.63) (0.53) (0.69) (1.89) (3.72) 2.26
Free cash flow 1.68 2.33 2.56 2.08 3.36 5.01 2.62 0.70 (1.20) 5.10
Book value 16.20 20.47 25.68 24.54 29.80 34.72 36.44 37.25 38.26 39.87
Shares, m 18 19 25 26 24 25 24 23 23 24
Valuation, ×
Valuation, × P/E 23.69 17.57 14.35 16.82 19.11 26.88 12.25 48.32 168.30 67.34
P/S 3.23 2.88 2.57 2.88 3.10 6.66 2.41 3.89 4.34 2.85
P/B 1.68 1.65 1.16 1.55 1.74 3.62 1.44 2.24 2.50 1.65
EV/Sales 2.67 2.45 1.89 2.42 2.88 5.95 1.68 3.37 3.75 2.45
EV/FCF 12.94 11.98 8.51 15.37 13.46 21.24 13.22 98.17 (65.31) 10.58
Cash, $m
Cash, $m Operating cash flow 31 47 74 72 97 137 81 60 59 67
Capex (1) (3) (10) (19) (15) (13) (17) (44) (87) 53
Free cash flow 30 44 64 54 82 124 64 16 (28) 120
Balance, $m
Balance, $m Working capital (178) (120) (16) 57 328 280 182 75 (83) (96)
Total debt 33 39 39 40 232 68 41 42 42 43
Net debt (82) (96) (196) (158) (82) (315) (367) (245) (288) (205)
Shareholders’ equity 289 392 637 637 727 859 889 864 891 942
Returns, %
Returns, % ROA 0.91 1.15 1.27 1.22 1.13 1.85 1.76 0.71 0.23 0.36
ROIC 10.09 12.89 9.43 9.86 8.22 16.67 16.41 5.33 2.12 2.80
ROE 7.37 10.71 10.04 9.20 9.45 14.68 11.96 4.55 1.55 2.54
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

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
CNOB ConnectOne Bancorp, Inc. $1.5B 9.9× 9.4× +32.81% (above 0%: growing) n/m +427.03% (above 0%: growing) 60.53% 0.00% Compare
CASH Pathward Financial, Inc. $1.5B 9.1× 9.2× −3.18% (below 0%: shrinking) −24.73% (below 0%: shrinking) +20.54% (above 0%: growing) 99.41% 0.00% Compare
TFIN Triumph Financial, Inc. $1.5B 41.6× 40.6× +13.51% (above 0%: growing) +193.33% (above 0%: growing) +372.54% (above 0%: growing) 82.38% 0.00%
ESQ Esquire Financial Holdings, Inc. $1.4B 18.4× 28.7× +18.87% (above 0%: growing) +6.08% (above 0%: growing) +59.96% (above 0%: growing) 88.35% 0.00% Compare
LKFN Lakeland Financial Corporation $1.4B 13.3× 13.8× +1.75% (above 0%: growing) +8.57% (above 0%: growing) +36.16% (above 0%: growing) 65.79% 0.00% Compare
AMAL Amalgamated Financial Corp. $1.4B 12.4× 10.7× +15.47% (above 0%: growing) +36.47% (above 0%: growing) −23.52% (below 0%: shrinking) 75.97% 0.00% Compare
BHRB Burke & Herbert Financial Services Corp. $1.4B 11.1× 8.4× +20.93% (above 0%: growing) −74.75% (below 0%: shrinking) +49.60% (above 0%: growing) 70.87% 0.00% Compare
WABC Westamerica Bancorporation $1.4B 13.5× 12.7× −2.49% (below 0%: shrinking) +4.46% (above 0%: growing) −33.14% (below 0%: shrinking) 94.98% 0.00% Compare
TMP Tompkins Financial Corporation $1.4B 7.9× 11.6× +2.51% (above 0%: growing) +36.42% (above 0%: growing) −198.57% (below 0%: shrinking) 73.16% 0.00% Compare
Median of peers $1.4B 11.8× 11.1× +8.99% +6.08% +28.35% 74.57% 0.00%

All 323 Banks Regional stocks →

Triumph Financial, Inc. (TFIN) key facts

  • Strength: Triumph Financial, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $518.9 million, up 6.34% from fiscal 2024.
  • Triumph Financial, Inc. (TFIN) is a Banks Regional company in the Financial sector, listed on the New York Stock Exchange.
  • As of October 16, 2026, TFIN traded at $61.52, a market capitalization of $1.5 billion.
  • Return on equity was 2.54% and debt-to-equity 0.04.
  • Its Piotroski F-score is 5 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

Triumph Financial, Inc. (TFIN) Latest News

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stockrow.com/TFIN · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com