Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
TFIN
SellHot AirTriumph Financial, Inc. · Financial Services · United States · $1.7B · Avg Vol: $12M/d
COMPANY DESCRIPTION
Triumph Financial, Inc. is a financial holding company operating Triumph Bank (traditional banking) and TriumphPay (fintech payments platform for the transportation industry). The company differentiates itself with TriumphPay, a unique fintech platform that addresses the complex payment and factoring needs of the trucking industry, creating a network effect for carriers and brokers. Triumph Financial is an innovative financial services company combining traditional banking with a rapidly growing, specialized fintech platform, driving efficiency and transparency in a niche but vital industry.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 484.2M | 417.5M | 415.5M | 423.8M | -4.3% | 454.6M | 458.5M | 506.6M | 9.3% |
| EPS | 4.06 | 1.63 | 0.55 | 0.94 | -38.6% | 1.48 | 2.05 | 3.16 | 83.4% |
| Shares | 24.1M | 23.3M | 23.4M | 23.8M | -1.2% | 23.9M | — | — | — |
| Debt | 179.0M | 405.4M | 142.0M | 392.9M | 30.0% | 156.9M | — | — | — |
| Equity | 889.0M | 864.4M | 890.9M | 941.8M | 1.9% | — | — | — | — |
| Op CF | 80.8M | 60.0M | 58.5M | 67.1M | -6.0% | 112.1M | — | — | — |
| Inv CF | 666.1M | -129.5M | -590.0M | -525.5M | — | — | — | — | — |
| Fin CF | -721.9M | -52.1M | 574.9M | 376.8M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of TFIN are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| TFIN | Triumph Financial, Inc.(you) | $1.7B | 30 | Sell |
| FSUN | FirstSun Capital Bancorp | $1.8B | 36 | Hold |
| OCFC | OceanFirst Financial Corp. | $1.8B | 37 | Hold |
| NBHC | National Bank Holdings Corporation | $1.8B | 37 | Hold |
| ESQ | Esquire Financial Holdings, Inc. | $1.4B | 37 | Hold |
| HBNC | Horizon Bancorp, Inc. | $1.0B | 31 | Sell |
| CASH | Pathward Financial, Inc. | $1.7B | 43 | Hold |
| EGBN | Eagle Bancorp, Inc. | $840M | 30 | Sell |
| SFNC | Simmons First National Corporation | $3.3B | 34 | Sell |
| BFC | Bank First Corporation | $1.7B | 52 | Hold |
Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%