Stocks · Financial Services · Banks - Regional
Triumph Financial, Inc. TFIN
$61.60 -0.93% Close, Oct 5, 2026 · NYSE · Market cap $1.49B
High qualityHigh risk
Next earnings report: Oct 21, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Diluted EPS over the last four quarters was $1.48, up 235.7% year over year.
- Operating margin widened to 10.6% from 4.1% a year earlier.
- Revenue over the last four quarters was $480.2M, down 2.9% from a year earlier, slowing from 2.2% a quarter earlier.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 6, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 21%
- EPS growth (TTM, YoY)Top 4%
- FCF growth (TTM, YoY)Top 6%
- Revenue growth, 3-year CAGRBottom 9%
- Revenue growth accelerationBottom 25%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 30%
- Gross marginTop 8%
- Operating marginBottom 23%
- Cash conversion (OCF / net income)Top 11%
- Accruals (lower is better)Top 33%
- Net debt / EBITDA (lower is better)Top 40%
- Interest coverTop 12%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldBottom 27%
- Free-cash-flow yieldBottom 41%
- EBITDA / enterprise valueBottom 41%
- Sales / enterprise valueTop 48%
- P/E vs own 5-year history (lower is better)Top 44%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 14%
- 6-month returnBottom 29%
- 1-year return vs S&P 500Top 23%
- Distance from 52-week highBottom 18%
- Trend checklist (0–4)Bottom 27%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 7%
- Consecutive EPS beatsTop 34%
- Share of analysts rating BuyBottom 30%
- Upside to consensus price targetTop 17%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 31%
- Maximum drawdown, 3 yearsBottom 13%
- Beta vs S&P 500 (lower is better)Bottom 11%
- Net debt / EBITDA (lower is better)Top 40%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 2.2% | -2.9% | ↓ |
| EPS growth (YoY) | 220.8% | 235.7% | ↑ |
| Gross margin | 82.9% | 86.0% | ↑ |
| Operating margin | 4.1% | 10.6% | ↑ |
| FCF margin | 5.4% | 19.4% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | -2.9% | 2.2% | ↓ | Bottom 21% |
| EPS growth (TTM, YoY) | 235.7% | 220.8% | ↑ | Top 4% |
| Gross margin | 86.0% | 82.9% | ↑ | Top 8% |
| Operating margin | 10.6% | 4.1% | ↑ | Bottom 23% |
| Net margin | 8.0% | 2.8% | ↑ | — |
| Free-cash-flow margin | 19.4% | 5.4% | ↑ | — |
| Return on invested capital | 4.9% | — | Top 30% | |
| Revenue growth, 3-year CAGR | 0.9% | — | Bottom 9% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 2.90×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -1.0%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 3.2%
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 0.52×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 12.9×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 0.00%
- Net buyback yield (TTM)
- -0.10%
- Shareholder yield
- -0.10%
- Share count change, 1 year
- +1.6%
- Share count change, 3-year CAGR
- +1.0%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Jul 21, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 3
- Beats in the last 8 reports
- 5 of 8
- Average EPS surprise, last 4
- +36.3%
- Average 2-day reaction, last 8
- +0.8%
- Positive 20 days after report
- 3 of 8
Analysts
- Consensus price target
- $84.67
- Target vs current price
- +37.5%
- Analysts with a rating
- 9
- Share rating Buy or Strong Buy
- 33%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 21, 2026 | +0.6% | +1.7% | -3.2% | -0.1% | — |
| Apr 21, 2026 | +51.3% | +0.4% | +2.3% | -5.4% | +19.2% |
| Jan 26, 2026 | +160.1% | +1.7% | -9.1% | -18.0% | -3.3% |
| Oct 15, 2025 | -66.7% | -0.9% | +24.2% | +12.2% | +43.2% |
| Jul 16, 2025 | +212.5% | +2.3% | +0.7% | -12.8% | -21.9% |
| Apr 16, 2025 | -4.8% | -2.4% | -3.3% | +19.1% | +27.8% |
| Jan 22, 2025 | -43.5% | +0.8% | -13.8% | -21.3% | -45.3% |
| Oct 16, 2024 | +5.6% | +2.8% | +10.4% | +27.5% | +5.2% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 21, 2026 | $0.44 | $0.44 | +0.6% | $120.2M |
| Apr 21, 2026 | $0.23 | $0.15 | +51.3% | $105.8M |
| Jan 26, 2026 | $0.77 | $0.30 | +160.1% | $106.2M |
| Oct 15, 2025 | $0.04 | $0.12 | -66.7% | $109.3M |
| Jul 16, 2025 | $0.15 | $0.05 | +212.5% | $108.1M |
| Apr 16, 2025 | $0.04 | $0.04 | -4.8% | $101.6M |
| Jan 22, 2025 | $0.13 | $0.23 | -43.5% | $103.5M |
| Oct 16, 2024 | $0.19 | $0.18 | +5.6% | $106.0M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 41.7× | 48.0× | 48th | Bottom 27% |
| P/E (forward) | 31.3× | — | — | — |
| EV / EBITDA | 20.2× | — | — | Bottom 41% |
| EV / Sales | 3.18× | — | — | Top 48% |
| Free-cash-flow yield | 6.27% | — | — | Bottom 41% |
| Earnings yield | 2.40% | — | — | Bottom 27% |
P/E over the past five years
Range 12.7× – 166.9× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +27.2%
- Earnings per share growth (TTM)
- +235.7%
- Change in P/E multiple
- -62.9%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✓ 50-day average above 200-day
- ✓ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -7.9%
- 200-day average slope (20 days)
- +0.9%
- Distance from 50-day average
- -12.0%
- Distance from 200-day average
- -8.8%
- RSI (14)
- 33.8
- Relative volume
- 0.99×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 27.1%
- Volatility vs own 5-year history
- 2th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 1.23
- Correlation with S&P 500
- 0.42
- Current drawdown from 1-year high
- -24.0%
- Maximum drawdown, 3 years
- -57.6%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Nov 24, 2021 | Dec 19, 2022 | -65.6% | 268 days | Not yet recovered |
| Apr 16, 2021 | Jul 19, 2021 | -26.5% | 64 days | 51 days (Sep 29, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $1.49B
- P/E (TTM)
- 41.7
- EPS, diluted (TTM)
- $1.48
- Revenue (TTM)
- $480.2M
- 52-week range
- $46.43 – $83.52
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $442.0M | $502.9M | $471.8M | $487.6M | $516.1M |
| Gross profit | $432.5M | $477.6M | $406.0M | $397.1M | $433.1M |
| Operating income | $145.0M | $137.0M | $52.8M | $20.5M | $33.0M |
| Net income | $113.0M | $102.3M | $41.1M | $16.1M | $25.4M |
| EPS (diluted) | $4.35 | $3.96 | $1.61 | $0.54 | $0.93 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $125.4M | $121.1M | $119.5M | $128.6M | $109.3M | $140.4M | $122.5M | $108.0M |
| Net income | $5.3M | $3.8M | $17,000 | $4.4M | $1.7M | $19.2M | $6.4M | $11.4M |
| EPS (diluted) | $0.19 | $0.13 | -$0.03 | $0.15 | $0.04 | $0.77 | $0.23 | $0.44 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $137.0M | $80.8M | $60.1M | $58.6M | $67.1M |
| Capital expenditure | -$14.4M | -$17.2M | -$43.8M | -$87.2M | -$16.4M |
| Free cash flow | $122.6M | $63.6M | $16.2M | -$28.6M | $50.6M |
| Dividends paid | $0 | $0 | $0 | $0 | $0 |
| Net share buybacks | -$1.2M | -$75.2M | -$81.6M | -$695,000 | $578,000 |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $342.2M
- Total assets
- $7.40B
- Total liabilities
- $6.44B
- Total debt
- $113.3M
- Net debt
- $39.3M
- Shareholders’ equity
- $963.3M
As of Jun 30, 2026 (filed Jul 21, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Mar 12, 2021 | $17.81 | Mar 30, 2021 |
Short interest
- Shares sold short
- 2,439,540
- Days to cover
- 11.59
- Change vs previous report
- +6.2%
FINRA short interest, settlement date Sep 15, 2026.