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Triumph Financial, Inc. logo

Triumph Financial, Inc.

TFIN

NYSEFinancial ServicesBanks - Regional

Open in GoAI

Regular session

$73.70

−$1.25 · -1.67%

Aug 24, 12:30 PM ET

TFIN company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Hold

Wait — insufficient conviction to act

Valuation

25

Expensive

Momentum

57

Neutral

Sentiment

49

Mixed

Risk resilience

67

Moderate Risk

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Thesis, catalysts, evidence, and risk analysis.

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AI-generated, informational only, and not investment advice.

Company profile

Company website

Triumph Financial, Inc., a financial technology enterprise founded in 1981 and based in Dallas, Texas, centers its operations on payments, factoring, and banking. The company, which rebranded from Triumph Bancorp, Inc. in December 2022, executes its strategy through various subsidiaries, including TriumphPay, Triumph, and TBK Bank. It offers a comprehensive array of cash flow management services specifically designed for the trucking industry, encompassing invoice factoring, fuel discount programs, truck and cargo insurance, equipment financing, and general banking and treasury functionalities. Additionally, Triumph Financial provides a broader range of financial solutions such as factoring products, diverse insurance offerings, equipment finance, and asset-based lending.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
Aaron Graft
Listed since
Nov 7, 2014
Employees
1,442

Market position

Day range

Current $73.70

52-week range

Current $73.70

Open
$75.19
Previous close
$74.95
Volume
32.97K
0.12× average
Average volume
264.22K
Average daily volume
Market cap
1.76B USD
Beta
1.38
Market reference 1
50-day average
$76.6006
-3.79% below average
200-day average
$66.0374
+11.60% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

P/E (TTM)
49.8×
P/B (TTM)
1.83×
P/S (TTM)
3.67×
Dividend yield
0.00%

Profitability & efficiency

Gross margin
85.97%
Operating margin
10.63%
Net margin
8.05%

Financial health

Debt / equity
0.12×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends107%69%32%-6%Gross margin, FY2021: 97.84%Gross margin, FY2022: 94.97%Gross margin, FY2023: 86.06%Gross margin, FY2024: 81.44%Gross margin, FY2025: 83.91%Operating margin, FY2021: 32.80%Operating margin, FY2022: 27.24%Operating margin, FY2023: 11.19%Operating margin, FY2024: 4.20%Operating margin, FY2025: 6.39%Net margin, FY2021: 25.56%Net margin, FY2022: 20.34%Net margin, FY2023: 8.71%Net margin, FY2024: 3.30%Net margin, FY2025: 4.91%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 97.84%. Gross margin FY2022 94.97%. Gross margin FY2023 86.06%. Gross margin FY2024 81.44%. Gross margin FY2025 83.91%. Operating margin FY2021 32.80%. Operating margin FY2022 27.24%. Operating margin FY2023 11.19%. Operating margin FY2024 4.20%. Operating margin FY2025 6.39%. Net margin FY2021 25.56%. Net margin FY2022 20.34%. Net margin FY2023 8.71%. Net margin FY2024 3.30%. Net margin FY2025 4.91%.

Income trends

Revenue

516.08M USD+5.83%

Operating income

32.99M USD+61.18%

Net income

25.36M USD+57.61%
Income trends across reported periods566.08M USD366.08M USD166.09M USD−33.91M USDRevenue, FY2021: 442M USDRevenue, FY2022: 502.95M USDRevenue, FY2023: 471.85M USDRevenue, FY2024: 487.63M USDRevenue, FY2025: 516.08M USDOperating income, FY2021: 144.95M USDOperating income, FY2022: 137M USDOperating income, FY2023: 52.82M USDOperating income, FY2024: 20.47M USDOperating income, FY2025: 32.99M USDNet income, FY2021: 112.97M USDNet income, FY2022: 102.31M USDNet income, FY2023: 41.08M USDNet income, FY2024: 16.09M USDNet income, FY2025: 25.36M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 442M USD. Revenue FY2022 502.95M USD. Revenue FY2023 471.85M USD. Revenue FY2024 487.63M USD. Revenue FY2025 516.08M USD. Operating income FY2021 144.95M USD. Operating income FY2022 137M USD. Operating income FY2023 52.82M USD. Operating income FY2024 20.47M USD. Operating income FY2025 32.99M USD. Net income FY2021 112.97M USD. Net income FY2022 102.31M USD. Net income FY2023 41.08M USD. Net income FY2024 16.09M USD. Net income FY2025 25.36M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue516.08M USD487.63M USD471.85M USD502.95M USD442M USD
Cost of goods sold82.75M USD90.53M USD65.8M USD25.31M USD9.54M USD
Gross profit433.05M USD397.1M USD406.05M USD477.64M USD432.46M USD
Selling, general, and administrative245.5M USD228.48M USD219.97M USD211.06M USD181.5M USD
Operating expenses400.06M USD376.64M USD353.23M USD340.63M USD287.51M USD
Interest income430.47M USD422.52M USD422.42M USD419.24M USD387.56M USD
Interest expense79.88M USD72.06M USD54.34M USD18.75M USD18.43M USD
Depreciation and amortization14.87M USD33.35M USD29.71M USD29.29M USD22.91M USD
Operating income32.99M USD20.47M USD52.82M USD137M USD144.95M USD
Net income25.36M USD16.09M USD41.08M USD102.31M USD112.97M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
45%
5 beats, 6 misses, 0 met estimates
Average EPS surprise
+16.84%
11 comparable reports
Latest EPS result
0.44
Estimate 0.44 · Beat by 0.57%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates0.830.560.30.03Q1 '25MissQ2 '25MissQ3 '25BeatQ4 '25MissQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 22, 2025: actual 0.13, estimate 0.23, surprise -43.48%, Miss. Q2 2025, reported Apr 16, 2025: actual 0.04, estimate 0.042, surprise -4.76%, Miss. Q3 2025, reported Jul 16, 2025: actual 0.15, estimate 0.048, surprise +212.50%, Beat. Q4 2025, reported Oct 15, 2025: actual 0.04, estimate 0.12, surprise -66.67%, Miss. Q1 2026, reported Jan 26, 2026: actual 0.77, estimate 0.296, surprise +160.14%, Beat. Q2 2026, reported Apr 21, 2026: actual 0.23, estimate 0.152, surprise +51.32%, Beat. Q3 2026, reported Jul 21, 2026: actual 0.44, estimate 0.438, surprise +0.57%, Beat. Q4 2026, reported Oct 21, 2026: actual —, estimate 0.58, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates128.11M117.62M107.13M96.65MQ1 '25MissQ2 '25MissQ3 '25MissQ4 '25MissQ1 '26MissQ2 '26MissQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 22, 2025: actual 103.45M USD, estimate 108.45M USD, surprise -4.61%, Miss. Q2 2025, reported Apr 16, 2025: actual 101.57M USD, estimate 104.54M USD, surprise -2.83%, Miss. Q3 2025, reported Jul 16, 2025: actual 108.06M USD, estimate 111.36M USD, surprise -2.97%, Miss. Q4 2025, reported Oct 15, 2025: actual 109.28M USD, estimate 110.98M USD, surprise -1.53%, Miss. Q1 2026, reported Jan 26, 2026: actual 106.17M USD, estimate 110.71M USD, surprise -4.11%, Miss. Q2 2026, reported Apr 21, 2026: actual 105.8M USD, estimate 107.3M USD, surprise -1.40%, Miss. Q3 2026, reported Jul 21, 2026: actual 120.24M USD, estimate 114.67M USD, surprise +4.86%, Beat. Q4 2026, reported Oct 21, 2026: actual —, estimate 123.18M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$80.67

9.46% upside
Past 12 months12-month forecastHigh $88.00Average $80.67Low $72.00

TFIN news

fool.com

Insider Sale Alert: Triumph Financial EVP Nelson Sells 3,750 Shares

After seeing nearly 3,750 shares, the transaction cleared nearly $300,000. The stock price has had a strong run, climbing around 25% so far in 2026.

Read source
marketbeat.com

Triumph Financial Q2 Earnings Call Highlights

Triumph Financial NYSE: TFIN executives said the company's second-quarter results reflected a turning point in the freight market, with higher transportation invoice prices and growth across core transportation-related…

Read source
seekingalpha.com

Triumph Financial, Inc. (TFIN) Q2 2026 Earnings Call Transcript

Triumph Financial, Inc. (TFIN) Q2 2026 Earnings Call Transcript

Read source
zacks.com

Triumph Financial (TFIN) Meets Q2 Earnings Estimates

Triumph Financial (TFIN) came out with quarterly earnings of $0.44 per share, in line with the Zacks Consensus Estimate . This compares to earnings of $0.15 per share a year ago.

Read source
businesswire.com

Triumph Releases Second Quarter 2026 Financial Results

DALLAS--(BUSINESS WIRE)--Triumph Releases Second Quarter 2026 Financial Results available on the Company's website at ir.triumph.io through the Financial Results link.

Read source
businesswire.com

Triumph Announces Schedule for Second Quarter 2026 Earnings Release and Conference Call

DALLAS--(BUSINESS WIRE)--Triumph Financial announces schedule for 2Q26 earnings release (July 21, after market close) and Conference Call (July 22, at 9:30 AM USCT).

Read source

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ETFs holding TFIN

Funds reporting this stock among their holdings, ordered by reported position size.

iShares Core S&P Small-Cap ETF logoiShares Core S&P Small-Cap ETFIJR
Market value
107.08M
Weight
0.09%
AUM
111.19B USD
Expense ratio
0.06%
Price / 1D
$146.82-0.33%
Vanguard Morningstar Total Stock Market ETF logoVanguard Morningstar Total Stock Market ETFVTI
Market value
54.65M
Weight
0.00%
AUM
2.3T USD
Expense ratio
0.03%
Price / 1D
$377.57-0.18%
iShares Russell 2000 ETF logoiShares Russell 2000 ETFIWM
Market value
44.16M
Weight
0.05%
AUM
81.62B USD
Expense ratio
0.19%
Price / 1D
$298.3-0.55%
State Street SPDR S&P Regional Banking ETF logoState Street SPDR S&P Regional Banking ETFKRE
Market value
23.37M
Weight
0.58%
AUM
4.06B USD
Expense ratio
0.35%
Price / 1D
$74.755-0.14%
Vanguard Extended Market ETF logoVanguard Extended Market ETFVXF
Market value
19.77M
Weight
0.02%
AUM
93.7B USD
Expense ratio
0.05%
Price / 1D
$243.65-0.77%
Vanguard Morningstar Small-Cap ETF logoVanguard Morningstar Small-Cap ETFVB
Market value
19.63M
Weight
0.01%
AUM
183.4B USD
Expense ratio
0.03%
Price / 1D
$302.85-0.63%
State Street SPDR S&P Bank ETF logoState Street SPDR S&P Bank ETFKBE
Market value
16.3M
Weight
0.96%
AUM
1.7B USD
Expense ratio
0.35%
Price / 1D
$68.755+0.02%
Thrivent Small-Mid Cap Equity ETF logoThrivent Small-Mid Cap Equity ETFTSME
Market value
15.97M
Weight
1.64%
AUM
968.94M USD
Expense ratio
0.65%
Price / 1D
$48.135-0.98%

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