YOLFTbeta
Triumph Financial, Inc.

Triumph Financial, Inc.

TFIN · NYSE · Financial Services / Banks - Regional

59.86USD+0.81 (+1.37%)

Price History

Full chart

Market Stats

Previous Close59.05
Open58.98
Day Range58.67 – 59.91
52-Week Range46.43 – 83.52
Volume123.35K
Market Cap1.45B
P/E (TTM)40.97
Forward P/E10.55
EPS1.48
Dividend Yield0.00%
Beta1.37
50-Day Avg72.23
200-Day Avg67.52

About

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. The company was formerly known as Triumph Bancorp, Inc. and changed its name to Triumph Financial, Inc. in December 2022. Triumph Financial, Inc. was incorporated in 2003 and is headquartered in Dallas, Texas.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Aaron P. Graft J.D.
  • Employees1.44K
  • Headquarters12700 Park Central Drive, Dallas, TX, United States, 75251, USA
  • Websitehttps://triumph.io

Leadership

  • Mr. Aaron P. Graft J.D.Founder, Vice Chairman, President & CEO · b. 1978
  • Mr. William Bradley VossExecutive VP & CFO · b. 1976
  • Hon. Edward J. Schreyer SIORExecutive VP & COO · b. 1967
  • Mr. Adam D. Nelson J.D.Executive VP, General Counsel & Secretary · b. 1978
  • Ms. Renee GalitisExecutive VP & Chief Information Officer · b. 1966
  • Mr. Luke WyseExecutive VP & Head of Investor Relations
  • Ms. Amanda TavackoliSenior VP & Director of Corporate Communication
  • Mr. Stephen D. GrossiExecutive VP & Chief Human Resources Officer · b. 1964
  • Mr. Rob WrightChief Product Officer - Triumph Business Capital
  • Matt LevyPresident of TriumphX

Financials

Income Statement

Currency: USD2012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue29.61M46.63M99.38M116.94M145.45M197.02M284.88M342.72M372.74M442.00M502.94M418.25M487.63M516.08M
Growth (%)-+57.46%+113.12%+17.67%+24.38%+35.46%+44.59%+20.31%+8.76%+18.58%+13.79%-16.84%+16.59%+5.83%
Cost of Revenue5.45M7.36M12.63M12.64M18.83M33.17M52.09M63.19M75.72M9.54M25.31M65.80M90.53M82.75M
Gross Profit24.16M39.27M86.75M104.30M126.62M163.85M232.78M279.53M297.03M432.46M477.63M417.51M397.10M433.05M
Gross Margin81.58%84.22%87.29%89.19%87.06%83.17%81.71%81.56%79.69%97.84%94.97%99.82%81.44%83.91%
Operating Expense18.48M23.71M56.58M66.75M93.11M102.75M166.28M204.08M212.32M287.51M340.63M379.63M376.63M400.06M
Operating Income5.68M15.56M30.17M37.55M33.51M61.10M66.50M75.45M84.71M144.95M137.00M37.88M20.47M32.99M
Operating Margin19.18%33.37%30.36%32.11%23.04%31.01%23.34%22.01%22.73%32.80%27.24%9.06%4.20%6.39%
EBITDA7.20M16.97M35.04M43.68M40.11M70.30M79.20M92.71M103.76M167.87M166.29M37.88M53.82M47.86M
EBITDA Margin24.30%36.39%35.26%37.35%27.58%35.68%27.80%27.05%27.84%37.98%33.06%9.06%11.04%9.27%
Net Income10.08M12.56M17.73M29.13M20.70M36.22M51.71M58.54M64.02M112.97M102.31M37.88M16.09M25.36M
Net Income Margin34.04%26.94%17.84%24.91%14.23%18.38%18.15%17.08%17.18%25.56%20.34%9.06%3.30%4.91%
Interest Expense3.71M3.95M6.77M8.11M12.13M21.54M35.93M55.25M37.39M18.43M18.75M43.09M72.06M79.88M
Interest Expense % of Total Revenue12.55%8.46%6.81%6.93%8.34%10.93%12.61%16.12%10.03%4.17%3.73%10.30%14.78%15.48%

Balance Sheet

Currency: USD2012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets301.46M1.29B1.45B1.69B2.64B3.50B4.56B5.06B5.94B5.96B5.33B5.35B5.95B6.38B
Total Liabilities237.99M1.13B1.21B1.42B2.35B3.11B3.92B4.42B5.21B5.10B4.44B4.48B5.06B5.44B
Total Equity56.51M133.60M237.51M268.04M289.35M391.70M636.61M636.59M726.78M858.86M888.97M864.40M890.92M941.77M
Cash15.78M85.80M160.89M105.28M114.51M134.13M234.94M197.88M314.39M383.18M408.18M286.63M330.12M248.47M
Total Debt10.50M69.07M36.70M164.00M321.96M463.94M422.50M558.93M427.54M356.81M179.30M405.42M142.01M392.87M
Net Debt-5.28M-16.72M-124.18M58.73M207.45M329.81M187.56M361.05M113.15M-26.37M-228.88M118.78M-188.10M144.40M

Cash Flow

Currency: USD2012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow4.30M10.87M19.68M25.30M30.98M47.27M73.83M72.45M97.33M136.96M74.49M60.06M58.57M67.06M
Investing Cash Flow-42.37M-5.56M-122.09M-389.13M-273.56M-379.77M-268.31M-520.37M-774.74M77.66M672.38M-129.56M-590.03M-525.48M
Financing Cash Flow-3.54M64.71M177.50M308.23M251.81M352.11M295.29M410.86M793.92M-145.83M-721.87M-52.05M574.94M376.77M
Capital Expenditure2.75M1.40M2.75M2.44M4.33M7.95M18.78M21.34M17.57M14.36M10.91M43.82M87.16M16.45M
Free Cash Flow1.55M9.46M16.93M22.86M26.66M39.32M55.05M51.11M79.75M122.60M63.58M16.24M-28.59M50.62M
Dividends Paid-721.00K780.00K780.00K887.00K774.00K578.00K578.00K1.70M3.21M3.21M3.21M3.21M3.21M
FCF to OCF36.01%87.08%86.05%90.37%86.04%83.18%74.57%70.55%81.94%89.51%85.35%27.04%-48.81%75.48%
Dividend Paid to FCF-7.62%4.61%3.41%3.33%1.97%1.05%1.13%2.13%2.62%5.04%19.74%-11.21%6.33%

Earnings

Report DateDec 17, 2014Mar 4, 2015Apr 29, 2015Jul 27, 2015Oct 28, 2015Feb 3, 2016Apr 27, 2016Jul 26, 2016Oct 26, 2016Jan 23, 2017Apr 19, 2017Jul 19, 2017Oct 18, 2017Jan 22, 2018Apr 18, 2018Jul 18, 2018Oct 17, 2018Jan 22, 2019Apr 17, 2019Jul 17, 2019Oct 16, 2019Jan 21, 2020Apr 20, 2020Jul 20, 2020Oct 19, 2020Jan 21, 2021Apr 21, 2021Jul 21, 2021Oct 20, 2021Jan 20, 2022Apr 20, 2022Jul 20, 2022Oct 19, 2022Jan 25, 2023Apr 25, 2023Jul 20, 2023Oct 19, 2023Jan 23, 2024Apr 17, 2024Jul 17, 2024Oct 16, 2024Jan 22, 2025Apr 16, 2025Jul 16, 2025Oct 15, 2025Jan 26, 2026Apr 21, 2026Jul 21, 2026Oct 21, 2026
EPS Estimate0.260.190.190.180.230.230.240.250.330.400.360.330.450.460.540.520.470.700.540.470.560.610.280.090.490.820.911.021.081.061.000.880.800.660.520.410.380.400.340.220.180.250.040.050.100.300.150.440.58
EPS Actual0.160.140.140.250.220.190.270.250.320.330.020.510.470.340.520.500.510.670.550.480.560.66-0.180.250.911.251.321.170.941.020.931.740.620.670.430.290.510.370.140.080.190.13-0.030.150.040.770.230.44-
Surprise-38.46%-26.32%-26.32%38.89%-4.35%-17.39%12.50%0.00%-3.03%-17.50%-94.44%54.55%4.44%-26.09%-3.70%-3.85%8.51%-4.29%1.85%2.13%0.00%8.20%-164.29%177.78%85.71%52.44%45.05%14.71%-12.96%-3.77%-7.00%97.73%-22.50%1.52%-17.31%-29.27%34.21%-7.50%-58.82%-63.64%5.56%-48.00%-175.00%200.00%-60.00%156.67%53.33%0.00%-
TimingAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours-

Key Statistics & Ratios

Market Cap1.45B
Enterprise Value753.80M
Trailing P/E40.97
Forward P/E10.55
PEG Ratio1.62
Price / Sales3.19
Price / Book1.64
EPS1.48
Book Value38.43
Revenue (TTM)454.56M
Gross Profit (TTM)454.56M
Profit Margin8.50%
Operating Margin21.28%
Return on Equity4.12%
Return on Assets0.56%
Shares Outstanding23.89M
Shares Float21.29M
Beta1.37
Dividend Yield0.00%
Dividend Rate0.00
Payout Ratio0.00%

Analyst Ratings

Hold
Based on 5 analystsTarget 80.60
  • Hold
    5

Ownership Breakdown

Institutions
99.11%
Insiders
5.33%
Retail / Other
0.00%

Top Institutional Holders

  • BlackRock Inc
    3.31M13.84%
  • Kayne Anderson Rudnick Investment Management LLC
    1.96M8.22%
  • State Street Corp
    1.45M6.08%
  • AltraVue Capital, LLC
    1.40M5.88%
  • Thrivent Financial For Lutherans
    1.34M5.61%
  • Vanguard Capital Management, LLC
    998.89K4.18%
  • Vanguard Portfolio Management, LLC
    873.58K3.66%
  • Dimensional Fund Advisors, Inc.
    839.37K3.51%
  • Barrow Hanley Mewhinney & Strauss LLC
    642.73K2.69%
  • Citadel Advisors Llc
    614.08K2.57%
  • American Century Companies Inc
    586.99K2.46%
  • Frontier Capital Management CO Inc
    584.33K2.45%
  • Geode Capital Management, LLC
    546.86K2.29%
  • Diamond Hill Capital Management, LLC
    508.55K2.13%
  • Ranger Investment Management LP
    483.81K2.02%

Top Fund Holders

  • iShares Core S&P Small-Cap ETF
    1.38M5.78%
  • Vanguard MStar Total Stk Mkt Idx Invest
    719.71K3.01%
  • Thrivent Small Cap Stock A
    622.59K2.61%
  • iShares Russell 2000 ETF
    592.76K2.48%
  • Virtus KAR Small-Cap Growth I
    520.88K2.18%

Dividends

20211×
17.81Mar 12, 2021