Stock AnalizTriumph Financial, Inc. TFIN
Major Banks · data as of November 13, 2026
Triumph Financial, Inc. (TFIN) is a financial company listed in the US with a market value of about $1.4B. In the twelve months to September 30, 2026 it had revenue of $472M and net income of $47M, a net margin of 10.0%.
Its overall Stock Analiz score is 2.0 out of 5 (weak). The strongest part is shareholder returns (4/5); the weakest is future growth (0/5).
Key numbers: a P/E of 30.5, a price to free cash flow of 18.7, 5-year revenue growth of 5% a year. A discounted cash flow model with moderate assumptions puts its intrinsic value about 15% above the current price.
Score: 2.0 / 5
Checks passed
- P/FCF below 20
- Price below intrinsic value (DCF, moderate assumptions)
- Profitable 5 years in a row
- More cash than debt, or low debt to equity
- Positive free cash flow
- Debt below 3 years of free cash flow
- Pays a dividend
- Share count down over 3 years (buybacks)
Checks not passed
- P/E below 25
- P/E below the industry median
- PEG below 1.5
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- Profit margin improving
- 3-year free cash flow growth above 10% a year
- Strong R&D investment or growth above 20%
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $472M | $439M | $416M | $418M | $485M | $424M | $345M | $287M | $250M | $196M | $133M |
| Net income | $47M | $25M | $16M | $41M | $102M | $113M | $64M | $59M | $52M | $36M | $21M |
| Free cash flow | $77M | — | — | — | — | — | — | — | — | — | — |
| EPS (diluted) | $1.96 | $0.93 | $0.54 | $1.61 | $3.96 | $4.35 | $2.53 | $2.25 | $2.03 | $1.81 | $1.10 |
| Net margin | 10.0% | 5.8% | 3.9% | 9.8% | 21.1% | 26.7% | 18.6% | 20.4% | 20.7% | 18.4% | 15.5% |
| ROIC | — | — | — | — | — | — | — | — | — | — | — |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 5 analysts is $76.00, 27% above the current price; targets range from $70.00 to $86.00; the consensus rating is “none”; expected EPS is $2.04 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is Triumph Financial’s P/E ratio?
About 30.5, based on the last twelve months of diluted earnings per share (forward P/E about 18.6).
Is Triumph Financial stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 15% above the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does Triumph Financial pay a dividend?
Not currently.
Is Triumph Financial a good stock to buy?
We do not give buy or sell advice. Triumph Financial scores 2.0 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
Similar companies
Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.