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TFINTriumph Financial, Inc.
$79.31$1.9B
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TFIN logoTriumph Financial, Inc.(TFIN)Earnings, Financials & Key Ratios

TFIN•NASDAQ•Banking & Credit
$79.31
85.3× P/E·Price updated Jul 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%

TFIN Price & Volume

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

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Cyclical Freight Headwinds Pressure Triumph Financial Performance

Investment Thesis • Updated 2026Q1

VerdictNeutral
Growth:Mixed
Profitability:Strained
Financial:Adequate
Cash Flow:Mixed
Primary Risk:Freight market cyclicality

Key Thesis Takeaways

  • Triumph Financial faces significant earnings volatility driven by its specialized exposure to the cyclical freight and logistics sector, as evidenced by a net income swing from $17,000 in 2025Q1 to $19.2 million in 2025Q4.
  • While the firm has successfully scaled total assets to $6.9 billion as of 2026Q1, persistent margin compression and high operating costs remain primary concerns for long-term profitability.
  • Investors should monitor the firm's ability to stabilize its net interest margin, which has declined from 1.7% in 2023Q4 to 1.3% in 2026Q1, amidst ongoing credit quality sensitivity.

Verdict Logic

the current valuation of 82.59x TTM P/E appears difficult to justify given the significant earnings volatility and the $78.1 million provision for credit losses recorded in 2025Q4.

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 Years6.55%
5 Years6.19%
3 Years2.8%
Last Year2.58%

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
Metric
Actual
Est
EPS
$0.23+53.3%
$0.15
Rev
$106M-1.4%
$107M
Q1 2026
Jan 26, 2026
Metric
Actual
Est
EPS
$0.77+160.1%
$0.30
Rev
$106M-4.1%
$111M
Q4 2025
Oct 15, 2025
Metric
Actual
Est
EPS
$0.19+575.0%
$0.04
Rev
$109M-1.5%
$111M
Q3 2025
Jul 16, 2025
Metric
Actual
Est
EPS
$0.15+212.5%
$0.05
Rev
$108M-3.0%
$111M
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 →

Latest TFIN News

Recent stock market news and headlines for Triumph Financial, Inc. (TFIN)

GuruFocus·Jun 30, 2026
Triumph Launches RFP Manager, Leveraging Real Freight Transaction Data to Improve Contract Pricing

Freight procurement cycles are becoming shorter, more frequent and more volatile, increasing the pressure on brokers to make contract pricing decisions with gr

Business Wire·Jun 30, 2026
Triumph Launches RFP Manager, Leveraging Real Freight Transaction Data to Improve Contract Pricing

DALLAS--(BUSINESS WIRE)---- $TFIN #RFPManagement--Triumph launched RFP Manager, using real freight transaction and payment data to help brokers price contracts faster and manage RFP bids confidently.

PRNewsWire·Jun 16, 2026
PCS Software Integrates Triumph Market Rate Intelligence Directly into Cortex Opportunity Manager and Backhaul Booster

Carriers now have access to real-time market rate benchmarks, informed by one of the largest freight transaction networks in North America, inside Cortex. HOUSTON, June 16, 2026 /PRNewswire/ -- PCS Software today announced the live integration of Triumph Market Rate Intelligence into Cortex Opportunity Manager and Cortex Backhaul Booster, the AI-powered freight prioritization and backhaul optimization features inside PCS TMS.

Peers Comparison

Key metrics vs top competitors for Triumph Financial, Inc. (TFIN)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
TFIN logoTFINTriumph Financial, Inc.Current
$79.31$1.89B85.285.83%4.91%2.77%0.17%
TCBK logoTCBKTriCo Bancshares
$54.96$1.77B14.811.78%23.87%9.86%—
CVBF logoCVBFCVB Financial Corp.
$22.58$3.06B14.86-2.33%32.4%9.16%—
BOKF logoBOKFBOK Financial Corporation
$140.43$8.53B15.30-1.07%18.3%10.31%—
IBCP logoIBCPIndependent Bank Corporation
$35.76$736.88M10.94-0.3%22.54%14.15%—
FFIN logoFFINFirst Financial Bankshares, Inc.
$34.67$4.97B19.5911.71%31.14%14.2%—

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 SEC Filings & Documents

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

8-K Announcements

6
Material company update

May 29, 2026·SEC

Material company update

Apr 23, 2026·SEC

Material company update

Apr 21, 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

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TFIN Frequently Asked Questions

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

Growth & Financials
How fast is Triumph Financial, Inc. growing?

Triumph Financial, Inc. (TFIN) grew revenue by 5.8% over the past year. This is steady growth.

Is TFIN profitable?

Yes, Triumph Financial, Inc. (TFIN) is profitable, generating $31.7M in net income for fiscal year 2025 (4.9% net margin).

Dividend & Returns
Does TFIN pay dividends?

Yes, Triumph Financial, Inc. (TFIN) pays a dividend with a yield of 0.17%. This makes it attractive for income-focused investors.

What is TFIN's return on equity?

Triumph Financial, Inc. (TFIN) has a return on equity (ROE) of 2.8%. This is below average, suggesting room for improvement.

Industry Metrics
What is Triumph Financial, Inc.'s net interest margin?

Triumph Financial, Inc. (TFIN) has a net interest margin (NIM) of 5.5%. This indicates healthy earnings from lending activities.

What is Triumph Financial, Inc.'s efficiency ratio?

Triumph Financial, Inc. (TFIN) has an efficiency ratio of 77.5%. This is higher than peers, suggesting room for cost optimization.

What if you invested $1,000 in TFIN back in 2012?

Total return calculator · dividends reinvested · 14+ years of data

See returns →