Triumph Financial (TFIN) Stock Overview
A financial holding company, provides banking, factoring, payments, and intelligence services in the United States. More details
| Snowflake Score | |
|---|---|
| Valuation | 0/6 |
| Future Growth | 3/6 |
| Past Performance | 4/6 |
| Financial Health | 5/6 |
| Dividends | 0/6 |
Rewards
Risk Analysis
No risks detected for TFIN from our risk checks.
TFIN Community Fair Values
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Analyst Price Targets
Triumph Financial, Inc. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$66.77 |
| 52 Week High | US$77.84 |
| 52 Week Low | US$46.43 |
| Beta | 1.4 |
| 1 Month Change | -1.17% |
| 3 Month Change | 17.72% |
| 1 Year Change | 14.78% |
| 3 Year Change | 25.58% |
| 5 Year Change | -20.27% |
| Change since IPO | 423.69% |
Recent News & Updates
TFIN: Higher Margins And Mixed Ratings Will Shape Balanced Future Returns
Analysts have increased their fair value estimate for Triumph Financial from $66.75 to $67.80, citing modestly lower revenue growth assumptions, a higher profit margin outlook, and a slightly reduced future P/E multiple as the key drivers of the updated price target. Analyst Commentary Recent Street research has focused on how Triumph Financial is executing against expectations and how that lines up with current valuation levels.TFIN: Freight Partnership And Mixed Ratings Will Shape Balanced Future Returns
Triumph Financial's analyst price target has been adjusted slightly to $66.75. Analysts cite a mixed set of updates that include a modest change in fair value assumptions, a small tweak to expected revenue growth and profit margin, and differing views on the shares as reflected in recent target and rating moves.Recent updates
TFIN: Higher Margins And Mixed Ratings Will Shape Balanced Future Returns
Analysts have increased their fair value estimate for Triumph Financial from $66.75 to $67.80, citing modestly lower revenue growth assumptions, a higher profit margin outlook, and a slightly reduced future P/E multiple as the key drivers of the updated price target. Analyst Commentary Recent Street research has focused on how Triumph Financial is executing against expectations and how that lines up with current valuation levels.TFIN: Freight Partnership And Mixed Ratings Will Shape Balanced Future Returns
Triumph Financial's analyst price target has been adjusted slightly to $66.75. Analysts cite a mixed set of updates that include a modest change in fair value assumptions, a small tweak to expected revenue growth and profit margin, and differing views on the shares as reflected in recent target and rating moves.TFIN: Freight Payment Partnership And Balanced Risk Reward Will Support Future Upside
Analysts have edged their price expectations for Triumph Financial higher, with the latest Street research highlighting a $4 increase in one target to $70 and describing the setup as a more balanced risk and reward as the shares trade closer to this level. Analyst Commentary Recent research points to a more balanced setup for Triumph Financial as the share price moves closer to the cited US$70 target level.TFIN: Freight Payment Partnerships Will Support Upside As Risk Reward Improves
Analysts have raised their price target on Triumph Financial to $70, a $4 increase. They note that the shares now appear to offer a more balanced risk and reward profile, with seasonally softer first quarter conditions already taken into account.TFIN: Freight Payment Partnerships Will Support Upside Despite Seasonal First Quarter Softness
Analysts have revised their price target on Triumph Financial by $4, reflecting updated assumptions around future P/E levels while citing a more balanced risk and reward profile as shares trade closer to existing targets and as the company enters a seasonally softer first quarter. Analyst Commentary Recent Street research on Triumph Financial has centered on valuation expectations and the timing of near term performance as shares trade closer to existing price targets.TFIN: Freight Payment Partnerships And Seasonal Weakness Will Shape Balanced Outlook
Narrative Update The analyst price target for Triumph Financial has moved modestly higher to an implied fair value of $67, with analysts pointing to refined assumptions on growth, margins, and a higher forward P/E multiple. Recent Street research highlights both a $4 target increase at one firm and a shift to a more neutral risk/reward stance as shares trade closer to existing targets.TFIN: Freight Payment Partnerships And Seasonal Caution Will Shape Balanced Outlook
Analysts have raised their fair value estimate for Triumph Financial by $1 to $66, citing a more balanced risk/reward profile after a recent downgrade to Neutral. The shares are now trading closer to published price targets, with the seasonally softer first quarter also taken into account.TFIN: Cost Discipline And Freight Partnerships Will Support Earnings Through Transportation Weakness
Narrative Update: Triumph Financial Our analyst price target for Triumph Financial moves modestly higher to US$65.00 from US$64.25. This reflects analyst views that recent cost controls and efficiency efforts, highlighted in Q3 expense commentary and a higher FY26 EPS forecast, support slightly stronger long term revenue growth assumptions, despite some pressure on recent revenue and margin metrics.TFIN: Cost Discipline Will Support Earnings Amid Transportation Cycle Headwinds
Analysts have raised their fair value estimate for Triumph Financial from $60.50 to $64.25, citing stronger cost controls that are driving earnings outperformance and supporting a higher long term valuation multiple, despite moderating revenue growth and margin assumptions. Analyst Commentary Analyst commentary around Triumph Financial has focused on the interplay between improving cost efficiency and softer top line trends, with the latest price target increase underscoring a more constructive long term earnings outlook.Triumph Financial: One Of The Last 8.5% Yielding Preferred Shares Remaining
Summary Triumph Financial specializes in the transportation sector and offers a preferred share yielding nearly 8.5% at a discount. TFIN's net interest spread and margin are declining but remain higher than many of its peers. Loan growth remains strong year-over-year, but deposit volatility has pushed the loan-to-deposit ratio to 100%, increasing reliance on external financing. Despite sector concentration and rising nonperforming assets, TFINP's high yield compensates for risks, making it attractive for income-focused investors. Read the full article on Seeking AlphaTriumph Financial: 8.4% Yielding Preferred Shares Are A Great Income Option
Summary Triumph Financial's preferred shares offer an attractive 8.4% yield, presenting a great entry opportunity for income investors amid recent market volatility. The bank's unique structure stabilizes net interest margins despite fluctuating interest rates, maintaining net interest income above pre-pandemic levels. Robust loan and deposit growth, with loans and deposits up over 10% year-over-year, supports the bank's financial stability and reduces reliance on external borrowing. While commercial real estate loans pose risks, the preferred shares remain insulated, ensuring continued dividend payouts and solid income for investors. Read the full article on Seeking AlphaTriumph Financial: No Change In Stance Just Yet
Summary Triumph Financial has a unique business model with a large factoring unit for small and medium trucking fleets, but recent stock performance has been disappointing. Despite growth in deposits and loans, a significant drop in net interest margin and rising non-interest expenses have hurt profitability. The company's price to earnings multiple is high, and it underperforms peers in return on assets and return on equity. While the long-term potential in the transportation sector is promising, current volatility and high valuation suggest maintaining a 'hold' rating for now. Read the full article on Seeking Alpha
Freight Challenges Loom But Tech Innovations And Partnerships Signal Future Revenue Growth
Strategic partnerships and innovation in AI/ML aim to drive significant revenue growth and improve net margins by lowering operational costs.Triumph Financial: Still Too Speculative To Warrant Optimism
Summary Triumph Financial is not a traditional bank; it has a significant factoring unit for trucking fleets and a robust payments platform. Despite some balance sheet improvements, declining net interest income and high valuation multiples make Triumph Financial less attractive. The payments division shows strong growth, but the trucking industry's challenges and the bank's high uninsured deposit exposure are concerning. Given its unique assets and potential rate cut benefits, I maintain a speculative 'hold' rating, though a downgrade is possible. Read the full article on Seeking AlphaTriumph Financial: Upgrading 8.3% Yielding Preferred Shares To A Buy
Summary Triumph Financial struggled as interest rates rose, but has shown improvement since last year. Despite some challenges, Triumph Financial has managed to maintain a healthy net interest income and strong asset yields. The bank's deposit growth has improved, reducing concerns about its loan to deposit ratio, making the preferred shares a buy. Read the full article on Seeking AlphaShareholder Returns
| TFIN | US Banks | US Market | |
|---|---|---|---|
| 7D | 5.5% | 2.4% | 1.1% |
| 1Y | 14.8% | 22.3% | 28.7% |
Return vs Industry: TFIN underperformed the US Banks industry which returned 22.3% over the past year.
Return vs Market: TFIN underperformed the US Market which returned 28.7% over the past year.
Price Volatility
| TFIN volatility | |
|---|---|
| TFIN Average Weekly Movement | 5.7% |
| Banks Industry Average Movement | 3.4% |
| Market Average Movement | 7.2% |
| 10% most volatile stocks in US Market | 16.4% |
| 10% least volatile stocks in US Market | 3.1% |
Stable Share Price: TFIN has not had significant price volatility in the past 3 months compared to the US market.
Volatility Over Time: TFIN's weekly volatility (6%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 2003 | 1,443 | Aaron Graft | triumph.io |
Triumph Financial, Inc., a financial holding company, provides banking, factoring, payments, and intelligence services in the United States. It offers deposit products, including checking, savings, money market, and certificates of deposit; and loan products, such as commercial real estate, commercial construction, land, and land development, residential real estate, agriculture, and consumer loans, as well as commercial and industrial loans, equipment loans, asset-based loans, business loans for working capital and operational purposes, and liquid credit loans. The company also provides electronic banking services, debit cards, insurance brokerage services, mortgage warehouse facilities, and transportation factoring services; payment, audit, and other banking services for the over the road trucking industry; and LoadPay product, a digital bank account developed for Carriers, as well as provides service and performance scoring and benchmarking to the over-the-road trucking industry.
Triumph Financial, Inc. Fundamentals Summary
| TFIN fundamental statistics | |
|---|---|
| Market cap | US$1.59b |
| Earnings (TTM) | US$28.49m |
| Revenue (TTM) | US$442.02m |
Is TFIN overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| TFIN income statement (TTM) | |
|---|---|
| Revenue | US$442.02m |
| Cost of Revenue | US$0 |
| Gross Profit | US$442.02m |
| Other Expenses | US$413.53m |
| Earnings | US$28.49m |
Last Reported Earnings
Mar 31, 2026
Next Earnings Date
n/a
| Earnings per share (EPS) | 1.20 |
| Gross Margin | 100.00% |
| Net Profit Margin | 6.45% |
| Debt/Equity Ratio | 15.1% |
How did TFIN perform over the long term?
See historical performance and comparisonCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/05/25 09:07 |
| End of Day Share Price | 2026/05/22 00:00 |
| Earnings | 2026/03/31 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
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Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Triumph Financial, Inc. is covered by 13 analysts. 4 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Harold Goetsch | B. Riley Securities, Inc. |
| null null | D.A. Davidson & Co. |
| Gary Tenner | D.A. Davidson & Co. |