Triumph Financial Inc. Common Stock (TFIN)

FairStock Score: 33/100 — RISKY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look at a bank first through book value, returns on equity, and the consistency of earnings, not through free cash flow. Triumph Financial is a $1.5 billion market-cap financial holding company with banking, factoring, payments, and intelligence operations. The latest filed quarter, fiscal Q2 2026 ended 2026-06-30, showed net income of $11.4 million and diluted EPS of $0.44, up from $4.4 million and $0.15 in fiscal Q2 2025. That is a real improvement. But the record is uneven: fiscal Q1 2026 net income was $6.4 million; fiscal Q3 2025 was $1.7 million; FY2025 was $25.4 million; FY2024 was $16.1 million; and FY2023 was $41.1 million. FairStock's Lynch category calls it a Slow Grower - Shrinking, with profit down 16.9% a year over five years. FairStock calculations put ROE at 4.12%, ROCE at 0.56%, P/B at 1.62, and P/E at 42.18 based on the 2026-10-13 close of $62.42. A 1.62 times book multiple for a 4.12% return on equity does not shout bargain. The PEG of 0.27 looks tempting, but it rests on a depressed base and may not be durable. The Piotroski F-Score is 6/9, acceptable but not special. As a bank, I would want CET1, net interest margin, nonperforming assets, charge-offs, and reserve coverage; none are in this data. The lack of a dividend at a 1.53 beta adds little comfort. I see a niche specialty lender with recent momentum, but not enough consistency or proof of a durable moat at this price.

In plain English: Triumph Financial is a bank and specialty finance company that serves businesses with banking, factoring, payments, and data services. Its latest quarter showed much better profit than a year earlier, but profits have been uneven over the past few years and the company earns a low return on shareholders' money. At the recent price of $62.42, the stock looks full unless earnings keep improving steadily.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer