Triumph Financial, Inc. (TFIN) Stock Analysis
Financial Services · Banks - Regional · NYSE
Triumph Financial, Inc. (TFIN) posted $439.00M in revenue for fiscal 2025 (up 5.6% year over year), at a 5.0% net margin, per its SEC filings.
Data last refreshed August 2, 2026 from SEC filings · how we compute this
The analyst's take on Triumph Financial, Inc.
Triumph Financial, Inc. has grown revenue from $0 to $439.00M over the last 10 fiscal years. The most recent year was up 5.6%.
Net margin sits at 5%, up 1.9 points year over year.
At today's valuation the market is pricing in roughly 30.3% annual free-cash-flow growth. The one thing worth a second look in the filings is net margin shrinking.
Synthesised from Triumph Financial, Inc.'s SEC filings — descriptive, not advice. Ask the analyst your own question →
Triumph Financial, Inc. revenue & earnings — last 10 fiscal years
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $0 | $0 | $0 | $0 | $0 | $0 | $484.56M | $418.25M | $415.87M | $439.00M |
| Gross profit | — | — | — | — | — | — | — | — | — | — |
| Net income | $20.70M | $36.22M | $51.71M | $58.54M | $64.02M | $112.97M | $99.11M | $37.88M | $12.88M | $22.15M |
| Net margin | — | — | — | — | — | — | 20.5% | 9.1% | 3.1% | 5.0% |
Source: Triumph Financial, Inc. SEC filings (10-K). 14 years of history available in the interactive view.
Triumph Financial, Inc.: 1 potential red flag in the filings
Patterns in the filed statements worth a second look — computed and cited, not AI guesswork, and not a signal to sell. The kind of thing that hides in a 10-K.
- Net margin shrinkingNet margin fell from 20.5% to 5.0% over ~3 years — profitability is compressing.
What growth is priced into TFIN stock?
At today's market cap of $1.74B, Triumph Financial, Inc. is priced for free-cash-flow growth of about 30.3% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $16.93M from the FY ending 2014-12-31). This is a reverse DCF — a translation of the price into a growth assumption you can judge, not a fair value and not advice. Change the assumptions yourself in the interactive view →
Explore 14 years of Triumph Financial, Inc. financials — interactive
Full income statement, balance sheet and cash flow with CAGR and trend on every row, 48 quarters, valuation ratios, plain-English health checks, and Ask — our SEC-grounded research assistant.
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Triumph Financial, Inc. financial history by metric
Compare Triumph Financial, Inc. with peers
About Triumph Financial, Inc.
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.
Triumph Financial, Inc. — frequently asked questions
What is Triumph Financial, Inc.'s revenue?
Triumph Financial, Inc. (TFIN) reported revenue of $439.00M for fiscal year 2025, up 5.6% from the prior year, according to its SEC filings.
Is Triumph Financial, Inc. profitable?
Yes. TFIN earned net income of $22.15M in fiscal 2025, a net margin of 5.0%.
What is TFIN's P/E ratio?
Triumph Financial, Inc. trades at a price-to-earnings ratio of about 61.4 based on the latest data in our nightly-refreshed cache.
How much debt does Triumph Financial, Inc. have?
As of fiscal year 2025, TFIN carried roughly $0 in total debt (short- plus long-term borrowings), per its filed balance sheet.
What is Triumph Financial, Inc.'s market cap?
Triumph Financial, Inc. (TFIN) has a market capitalization of about $1.74B, based on the latest data in our nightly-refreshed cache.
When does Triumph Financial, Inc.'s fiscal year end?
TFIN's fiscal year ends in December. Its most recent annual filing covers the fiscal year ending 2025-12-31.
What growth is priced into TFIN stock?
At today's market cap of $1.74B, Triumph Financial, Inc. is priced for free-cash-flow growth of about 30.3% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $16.93M from the FY ending 2014-12-31).
Where does this data come from?
All figures are computed from Triumph Financial, Inc.'s official SEC filings (10-K and 10-Q), covering 14 years of history, refreshed nightly. stockportfolio.pro does not provide investment advice.