Obermatt

Triumph Financial

NYQ:TFIN · US89679E3009
BanksSmall

360

1
Profit price1
Cash yield1
Price/Sales23
EV / Gross Profit77
Price/Book1
Returns on capital14
Profit margins
Cash Conversion91
Accruals10
Owner Earnings Margin8
Sales growth15
Profit Growth38
Owner Earnings Growth90
Reinvestment18
Price momentum18
Debt load66
Debt serviceability3
Liquidity7
Analyst ratings3
Opinion Changes50
Price Target Upside6
Market mood1
Value Creation10/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Triumph Financial clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeSmall
TypePublic Company
ExchangeNYSE
Founded2003
Employees421
Websitetfin.com
ISINUS89679E3009
Last UpdateApr 2, 2026
Themes
BankingCommercial LendingFinancial ServicesPayments

Description

Triumph Financial, Inc. (‘Triumph Financial’) offers a diversified line of banking, factoring, payments, and intelligence services. As of December 31, 2025, the company’s business was primarily focused on providing financial services to participants…

Analysis

Story stock

Triumph Financial, Inc. is a story stock: the narrative is ambitious and the price reflects it, but the underlying numbers are weak.

The price is expensive. You pay 41.0× its owner earnings: the cash an owner could take out each year, which is in the historically expensive zone.

The trajectory is moderate and the balance sheet is stretched. The company scores 10/20 on our value-creation score: creating some value. Analyst sentiment is cautious.

What to watch: Some accounting patterns deserve a closer look. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
1
2023202420252026

All-time high

42

Jan 2024

All-time low

1

Jun 2026

Average rank

11

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
23
28
13
7
Price/Earnings
1
3
1
1
Price/Book
1
3
1
1
Dividend Yield
1
1
1
1
Value (overall)
4
1
1
1

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →