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Triumph Financial, Inc. (TFIN) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

Triumph Financial, Inc.

TFINMarket cap $1.48BPrice $61.9

Country🇺🇸United States

SectorFinancials

IndustryBanks

Runs a bank that quietly powers America's trucking industry, processing freight payments and factoring invoices for carriers nationwide. Its data arm tracks freight volumes in near real-time, making it a bellwether for the entire transportation economy.

In Bastion Portfolios?

52W Return+17%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)-3%–

Revenue Forecast

Rev CAGR (1y)na–

Rev CAGR (3y)+9%–

Rev CAGR (5y)+6%6

Earnings Forecast

EPS Growth Y+1+123%10

EPS Growth Y+2+49%9

EPS Growth Y+3+27%8

Quality

Margins

EBIT Margin0%3

Net Income Margin9%5

Free Cash Flow Margin21%8

Debt

Net Debt/EBITDAna–

Efficiency

ROE4%3

ROA1%2

Earnings Stability44

GEAR+

Not enough data to calculate the GEAR+ rating.

Value

Price Multiples

P/E Ratio (Forward)223

P/E Ratio (Forward 3y)164

P/BV1.68

EV Multiples

EV/EBITDA Fwd03

EV/EBIT Fwd03

Yield

Free Cash Flow Yield0.0%2

Dividend Yieldna–

Momentum

Short term

1 month return-10%2

3 month return-17%2

YTD return-1%5

Mid term

Price vs 52wHigh74%4

1 year return+27%8

Long term

3 year return+2%3

5 year return-42%2

Risk Shield

Price Risk

Beta1.23

Volatility41%4

Free Cash Flow

Free Cash Flow Margin21%8

Free Cash Flow Yield0.0%2

Quality

ROCE8%2

Earnings Stability44

Net Debt/EBITDAna–

02Growth

Is it actually growing, and how fast?

TFINTriumph Financial

Revenue FY25$436M

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR-3%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+9%–

Revenue, next 5Y, CAGR+6%6

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+123%10

EPS growth, FY27E+49%9

EPS growth, FY28E+27%8

GROWTH ASSESSMENT

STRENGTHS

After shrinking over the last 3 years, revenue is set to grow 9%/yr from here.

Earnings are set to grow faster than sales (EPS about 49%/yr vs revenue 9%/yr), so margins should widen.

WATCH

Revenue is set to grow 9%/yr over the next 3 years, a little ahead of the market.6/10

Over five years revenue is set to grow 6%/yr, ahead of 50% of companies worldwide.6/10

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that's turning around.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

WEAK17 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-10%2

3-month return-17%2

YTD return-1%5

MID & LONG-TERM▾SCORE

% of 52-week high74%4

1-year return+27%8

3-year return+2%3

5-year return-42%2

MOMENTUM ASSESSMENT

STRENGTHS

None flagged.

WATCH

It's up 27% over the past year, but 26% below its 52-week high. That is a touch ahead of the market.

Returns sit at the market level so far this year (-1%).

WEAKNESSES

Weak long-term results. It has been a disappointing long-term hold (+1.9% over three years and -42% over five), behind 70% of the market.

The stock is underperforming over the past month (-10%) and over three months (-17%).

BOTTOM LINE

Falling Knife

Returns rank poorly over both the short and long run, and the price is still falling. Momentum is firmly negative — catching this is a bet against the tape, not with it. Wait for a base to form. The one thing to watch: the multi-year record is weak.

04Value

Are you paying a fair price for it?

Stop guessing on Triumph Financial, Inc.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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Loading charts…

02Growth

Is it actually growing, and how fast?

TFINTriumph Financial

Revenue FY25$436M

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR-3%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+9%–

Revenue, next 5Y, CAGR+6%6

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+123%10

EPS growth, FY27E+49%9

EPS growth, FY28E+27%8

GROWTH ASSESSMENT

STRENGTHS

After shrinking over the last 3 years, revenue is set to grow 9%/yr from here.

Earnings are set to grow faster than sales (EPS about 49%/yr vs revenue 9%/yr), so margins should widen.

WATCH

Revenue is set to grow 9%/yr over the next 3 years, a little ahead of the market.6/10

Over five years revenue is set to grow 6%/yr, ahead of 50% of companies worldwide.6/10

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that's turning around.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

WEAK17 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-10%2

3-month return-17%2

YTD return-1%5

MID & LONG-TERM▾SCORE

% of 52-week high74%4

1-year return+27%8

3-year return+2%3

5-year return-42%2

MOMENTUM ASSESSMENT

STRENGTHS

None flagged.

WATCH

It's up 27% over the past year, but 26% below its 52-week high. That is a touch ahead of the market.

Returns sit at the market level so far this year (-1%).

WEAKNESSES

Weak long-term results. It has been a disappointing long-term hold (+1.9% over three years and -42% over five), behind 70% of the market.

The stock is underperforming over the past month (-10%) and over three months (-17%).

BOTTOM LINE

Falling Knife

04Value

Are you paying a fair price for it?

Stop guessing on Triumph Financial, Inc.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community