Triumph Financial, Inc. (TFIN) Stock Analysis — April 2026 Rating, Price, and Forecast
Company Overview — What Does Triumph Financial, Inc. Do?
Triumph Bancorp, Inc. operates as a financial holding company for TBK Bank, SSB that provides various banking and commercial finance products and services to retail customers and small-to-mid-sized businesses in the United States. The company operates through four segments: Banking, Factoring, Payments, and Corporate. It offers depository products, including checking, savings, and money market accounts, as well as certificates of deposit; and commercial and industrial loans, loans to purchase capital equipment, and business loans for working capital and operational purposes. The company also provides asset-based, and equipment and premium finance loans; real estate loans to finance commercial properties; to factoring services the transportation and non-transportation sectors; agriculture loans; commercial construction, land, and land development loans; mortgage warehouse loans; residential real estate loans; and consumer loans. In addition, it offers debit cards; electronic banking, trust, and treasury management services; and insurance brokerage services. As of December 31, 2021, the company operated through a network of 10 branches in the Quad Cities Metropolitan Area of Iowa and Illinois; 8 branches in northern and central Illinois; 7 branches in southern Colorado; 3 branches in New Mexico; 31 branches in central and eastern Colorado; and 2 branches in far western Kansas, as well as a branch office dedicated to deposit gathering activities in Dallas, Texas. Triumph Bancorp, Inc. was founded in 1981 and is headquartered in Dallas, Texas. Triumph Financial, Inc. (TFIN) is classified as a small-cap stock in the Financials sector, specifically within the Banking industry. The company is led by CEO Aaron P. Graft and employs approximately 1,430 people, headquartered in DALLAS, Texas. With a market capitalization of $1.4B, TFIN is one of the notable companies in the Financials sector.
Triumph Financial, Inc. (TFIN) Stock Rating — Reduce (April 2026)
As of April 2026, Triumph Financial, Inc. receives a Reduce rating with a composite score of 38.8/100 and 2 out of 5 stars from the Blank Capital Research quantitative model.TFIN ranks #2,337 out of 4,446 stocks in our coverage universe. Within the Financials sector, Triumph Financial, Inc. ranks #636 of 891 stocks, placing it in the lower half of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).
TFIN Stock Price and 52-Week Range
Triumph Financial, Inc. (TFIN) currently trades at $62.03. The stock lost $2.09 (3.3%) in the most recent trading session. The 52-week high for TFIN is $77.84, which means the stock is currently trading -20.3% from its annual peak. The 52-week low is $42.90, putting the stock 44.6% above its annual trough. Recent trading volume was 169K shares, suggesting relatively thin trading activity.
Is TFIN Overvalued or Undervalued? — Valuation Analysis
Triumph Financial, Inc. (TFIN) carries a value factor score of 49/100 in the Blank Capital model, indicating fair valuation relative to historical norms. The trailing price-to-earnings ratio is 125.72x, compared to the Financials sector average of 14.88x — a premium of 745%. The price-to-book ratio stands at 1.53x, versus the sector average of 1.22x. The price-to-sales ratio is 3.37x, compared to 0.90x for the average Financials stock. On an enterprise value basis, TFIN trades at 92.83x EV/EBITDA, versus 3.26x for the sector.
Overall, TFIN's valuation appears roughly in line with sector benchmarks, suggesting the market is pricing the stock fairly given its current fundamentals and growth trajectory. Neither deep value nor significantly overpriced, the stock occupies a middle ground on valuation.
Triumph Financial, Inc. Profitability — ROE, Margins, and Quality Score
Triumph Financial, Inc. (TFIN) earns a quality factor score of 42/100, signaling below-average profitability metrics relative to the broader market. The return on equity (ROE) is 1.2%, compared to the Financials sector average of 8.5%, which is below typical expectations for high-quality companies. Return on assets (ROA) comes in at 0.2% versus the sector average of 1.2%.
On a margin basis, Triumph Financial, Inc. reports gross margins of 0.0%. The operating margin is 3.6% (sector: 21.8%). Net profit margin stands at 2.6%, versus 17.7% for the average Financials stock. Revenue growth is running at 1.8% on a trailing basis, compared to 9.4% for the sector. Profitability is below benchmark levels, which may reflect industry headwinds, elevated reinvestment, or structural challenges.
TFIN Debt, Balance Sheet, and Financial Health
Triumph Financial, Inc. has a debt-to-equity ratio of 578.0%, compared to the Financials sector average of 121.0%. This elevated leverage warrants close monitoring, as it increases the company's sensitivity to rising interest rates and economic downturns. The current ratio is 1.17x, suggesting adequate working capital coverage. Total debt on the balance sheet is $393M. Cash and equivalents stand at $71M.
TFIN has a beta of 1.28, meaning it is more volatile than the broader market — a $10,000 investment in TFIN would be expected to move 27.9% more than the S&P 500 on any given day. The stability factor score for Triumph Financial, Inc. is 52/100, reflecting average volatility within the normal range for its sector.
Triumph Financial, Inc. Revenue and Earnings History — Quarterly Trend
In TTM 2026, Triumph Financial, Inc. reported revenue of $428M and earnings per share (EPS) of $0.94. Net income for the quarter was $11M. Gross margin was 0.0%. Operating income came in at $16M.
In FY 2025, Triumph Financial, Inc. reported revenue of $430M and earnings per share (EPS) of $0.94. Net income for the quarter was $25M. Revenue grew 3.5% year-over-year compared to FY 2024. Operating income came in at $33M.
In Q3 2025, Triumph Financial, Inc. reported revenue of $109M and earnings per share (EPS) of $0.04. Net income for the quarter was $2M. Revenue grew 0.8% year-over-year compared to Q3 2024. Operating income came in at $1M.
In Q2 2025, Triumph Financial, Inc. reported revenue of $109M and earnings per share (EPS) of $0.15. Net income for the quarter was $4M. Revenue grew 2.0% year-over-year compared to Q2 2024. Operating income came in at $8M.
Over the past 8 quarters, Triumph Financial, Inc. has demonstrated a growth trajectory, with revenue expanding from $107M to $428M. Investors analyzing TFIN stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.
TFIN Dividend Yield and Income Analysis
Triumph Financial, Inc. (TFIN) does not currently pay a dividend. This is common among smaller companies in the Banking industry that prefer to reinvest cash flows into business expansion rather than returning capital to shareholders. Income-focused investors looking for Financials dividend stocks may want to explore other Financials stocks or use the stock screener to filter by dividend yield.
TFIN Momentum and Technical Analysis Profile
Triumph Financial, Inc. (TFIN) has a momentum factor score of 41/100, reflecting neutral trend characteristics. The stock is neither significantly outperforming nor underperforming the broader market on a momentum basis. The investment factor score is 33/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 2/100 signals elevated short interest, which can indicate bearish sentiment among institutional investors.
TFIN vs Competitors — Financials Sector Ranking and Peer Comparison
Within the Financials sector, Triumph Financial, Inc. (TFIN) ranks #636 out of 891 stocks based on the Blank Capital composite score. This places TFIN in the lower half of all Financials stocks in our coverage universe. Key competitors and sector peers include WHITE MOUNTAINS INSURANCE GROUP LTD (WTM) with a score of 62.9/100, OPPENHEIMER HOLDINGS INC (OPY) with a score of 62.6/100, Enact Holdings, Inc. (ACT) with a score of 61.6/100, International General Insurance Holdings Ltd. (IGIC) with a score of 61.3/100, and PARKE BANCORP, INC. (PKBK) with a score of 60.4/100.
Comparing TFIN against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full TFIN vs S&P 500 (SPY) comparison to assess how Triumph Financial, Inc. stacks up against the broader market across all factor dimensions.
TFIN Next Earnings Date
No upcoming earnings date has been announced for Triumph Financial, Inc. (TFIN) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.
Should You Buy TFIN? — Investment Thesis Summary
The quantitative profile for Triumph Financial, Inc. suggests caution.
In summary, Triumph Financial, Inc. (TFIN) earns a Reduce rating with a composite score of 38.8/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on TFIN stock.
Related Resources for TFIN Investors
Explore more research and tools: TFIN vs S&P 500 comparison, top Financials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare TFIN head-to-head with peers: TFIN vs WTM, TFIN vs OPY, TFIN vs ACT.