Triumph Financial Financials

TFIN Stock   77.27  0.09  0.12%   
Triumph Financial may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter. At this time, Triumph Financial's Non Currrent Assets Other are very stable compared to the past year. As of the 31st of January 2025, Total Current Liabilities is likely to grow to about 1.5 B, while Total Assets are likely to drop about 3.9 B. Key indicators impacting Triumph Financial's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.09490.0999
Notably Down
Slightly volatile
Return On Assets0.01560.0088
Way Up
Slightly volatile
Return On Equity0.110.0547
Way Up
Slightly volatile
Debt Equity Ratio0.450.42
Notably Up
Pretty Stable
Operating Income77.5 M43.6 M
Way Up
Slightly volatile
Current Ratio0.410.43
Sufficiently Down
Slightly volatile
The essential information of the day-to-day investment outlook for Triumph Financial includes many different criteria found on its balance sheet. An individual investor should monitor Triumph Financial's cash flow, debt, and profitability to accurately make informed decisions on whether to invest in Triumph Financial.

Net Income

12.24 Million

  

Triumph Financial Stock Summary

Triumph Financial competes with First Capital, Finward Bancorp, Community West, QCR Holdings, and First Financial. Triumph Financial is entity of United States. It is traded as Stock on NASDAQ exchange.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS89679E3009
CUSIP89679E300
LocationTexas; U.S.A
Business Address12700 Park Central
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.tfin.com
Phone214 365 6900

Triumph Financial Key Financial Ratios

Triumph Financial Key Balance Sheet Accounts

202020212022202320242025 (projected)
Total Assets5.9B6.0B5.3B5.3B6.1B3.9B
Net Debt110.0M(28.5M)(229.2M)118.8M136.6M83.5M
Retained Earnings289.6M399.4M498.5M536.3M616.8M647.6M
Cash314.4M383.2M408.2M286.6M329.6M223.8M
Other Current Assets335.3M399.0M430.1M321.1M289.0M274.6M
Total Liab424.4M354.7M4.4B4.5B5.2B5.4B
Total Current Assets538.7M565.6M662.7M321.1M289.0M274.6M
Common Stock272K280K283K290K333.5K236.0K
Intangible Assets26.7M43.1M32.1M23.6M27.2M27.5M
Other Liab53.8M45.7M58.1M60.1M69.2M59.0M
Net Tangible Assets446.3M491.9M537.0M578.2M664.9M547.9M
Accounts Payable3.8B4.7B4.6B4.2B4.8B4.6B
Other Assets4.9B4.8B4.0B4.3B5.0B4.7B
Long Term Debt424.4M354.7M149.0M405.4M364.9M307.8M
Inventory3.5M2.5M2.9M1.3M1.2M2.0M
Net Invested Capital1.1B1.2B1.0B1.2B1.4B1.2B
Capital Stock272K45.3M45.3M45.3M52.1M33.3M
Other Current Liab1.4B1.9B1.8B1.6B1.9B1.6B
Short Term Debt82.0M160.0M5.9M6.4M5.8M5.5M

Triumph Financial Key Income Statement Accounts

202020212022202320242025 (projected)
Interest Expense37.4M18.4M18.7M43.1M49.6M52.0M
Total Revenue335.4M423.6M484.6M418.3M481.0M254.6M
Gross Profit335.4M423.6M484.6M417.5M480.1M254.5M
Operating Income84.7M145.0M155.8M37.9M43.6M77.5M
Ebit84.7M145.0M137.0M37.9M43.6M76.3M
Ebitda103.8M167.9M162.2M37.9M43.6M85.8M
Income Before Tax84.7M145.0M137.0M37.9M12.9M12.2M
Net Income64.0M113.0M102.3M37.9M12.9M12.2M
Income Tax Expense20.7M32.0M34.7M11.7M13.5M16.9M
Tax Provision20.7M32.0M34.7M16.3M18.7M24.8M
Net Interest Income284.7M369.1M400.5M376.9M433.4M350.9M
Interest Income322.1M387.6M419.2M420.0M483.0M389.2M

Triumph Financial Key Cash Accounts

202020212022202320242025 (projected)
Change In Cash116.5M68.8M25.0M(121.5M)(109.4M)(103.9M)
Free Cash Flow79.8M122.6M63.6M16.2M18.7M17.7M
Depreciation19.1M22.9M25.2M25.3M29.0M30.5M
Other Non Cash Items(11.6M)(19.1M)(31.2M)6.1M5.5M5.8M
Capital Expenditures17.6M14.4M10.9M27.0M31.0M32.6M
Net Income64.0M113.0M102.3M41.1M47.2M51.4M
End Period Cash Flow314.4M383.2M408.2M286.6M329.6M223.8M
Investments33.7M41.4M593.0M(37.5M)(43.1M)(41.0M)
Net Borrowings135.8M(132.1M)(72.5M)(28.9M)(26.0M)(27.3M)
Change To Netincome7.5M(9.2M)(5.8M)1.8M1.6M939.8K

Triumph Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Triumph Financial's current stock value. Our valuation model uses many indicators to compare Triumph Financial value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Triumph Financial competition to find correlations between indicators driving Triumph Financial's intrinsic value. More Info.
Triumph Financial is rated below average in return on equity category among its peers. It also is rated below average in return on asset category among its peers reporting about  0.15  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Triumph Financial is roughly  6.63 . At this time, Triumph Financial's Return On Equity is very stable compared to the past year. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Triumph Financial's earnings, one of the primary drivers of an investment's value.

Triumph Financial Systematic Risk

Triumph Financial's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Triumph Financial volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was fourty-five with a total number of output elements of sixteen. The Beta measures systematic risk based on how returns on Triumph Financial correlated with the market. If Beta is less than 0 Triumph Financial generally moves in the opposite direction as compared to the market. If Triumph Financial Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Triumph Financial is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Triumph Financial is generally in the same direction as the market. If Beta > 1 Triumph Financial moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in Triumph Financial Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Triumph Financial's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Triumph Financial growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(2.36)

At this time, Triumph Financial's Price Earnings To Growth Ratio is very stable compared to the past year.

Triumph Financial January 31, 2025 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Triumph Financial help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Triumph Financial. We use our internally-developed statistical techniques to arrive at the intrinsic value of Triumph Financial based on widely used predictive technical indicators. In general, we focus on analyzing Triumph Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Triumph Financial's daily price indicators and compare them against related drivers.
When determining whether Triumph Financial is a good investment, qualitative aspects like company management, corporate governance, and ethical practices play a significant role. A comparison with peer companies also provides context and helps to understand if Triumph Stock is undervalued or overvalued. This multi-faceted approach, blending both quantitative and qualitative analysis, forms a solid foundation for making an informed investment decision about Triumph Financial Stock. Highlighted below are key reports to facilitate an investment decision about Triumph Financial Stock:
Check out World Market Map to better understand how to build diversified portfolios, which includes a position in Triumph Financial. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in gross domestic product.
To learn how to invest in Triumph Stock, please use our How to Invest in Triumph Financial guide.
You can also try the Price Transformation module to use Price Transformation models to analyze the depth of different equity instruments across global markets.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Triumph Financial. If investors know Triumph will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Triumph Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
(0.63)
Earnings Share
0.54
Revenue Per Share
17.123
Quarterly Revenue Growth
(0.02)
Return On Assets
0.0038
The market value of Triumph Financial is measured differently than its book value, which is the value of Triumph that is recorded on the company's balance sheet. Investors also form their own opinion of Triumph Financial's value that differs from its market value or its book value, called intrinsic value, which is Triumph Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Triumph Financial's market value can be influenced by many factors that don't directly affect Triumph Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Triumph Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if Triumph Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Triumph Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.