Triumph Financial (TFIN) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Nov 5, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q3 FY2026, filed Oct 21, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the TFIN SEC filings page.
Triumph Financial, Inc. (TFIN) reported $471.8M in revenue over the twelve months to Sep 30, 2026, up 11.7% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 14 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Revenue remains near prior levels while sharply higher interest costs compress earnings in a liability-funded business.
From FY2022 to FY2025, revenue fell9.4% while interest expense rose326.1% . That financing-cost shift helps explain why net income fell75.2% over the same span despite total assets rising19.6% .
The FY2025 rebound was more visible in earnings than cash: net income rose
Expansion remained obligation-led: total liabilities grew
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group, and the overall is the average of the dimensions that can be computed: here 5 of 6, with the others left out rather than counted as zero. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Triumph Financial, Inc.'s business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Triumph Financial, Inc. earned a return on assets of 0.4% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 0.3% the prior year. Earnings ranks banks on that return over three years, and Triumph Financial, Inc. scores 16/100 among other banks.
Triumph Financial, Inc. reported revenue of $439.0M in fiscal year 2025, against $415.9M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Triumph Financial, Inc. scores 23/100 among other banks.
Triumph Financial, Inc. funded 14.8% of its assets with shareholders' equity at the end of fiscal year 2025, holding $941.8M of equity against $6.4B of assets. Capital ranks banks on that cushion, and Triumph Financial, Inc. scores 86/100 among other banks.
Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Triumph Financial, Inc. scores 8/100 on it among other banks.
Not available for Triumph Financial, Inc., so it is left out of the overall score, which averages the 5 of 6 dimensions that can be computed.
Triumph Financial, Inc. reported net income of $25.4M in fiscal year 2025, against $16.1M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Triumph Financial, Inc. scores 19/100 among other banks.
Triumph Financial, Inc. passes 4 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), the one computable operating efficiency signal (asset turnover improving) does not pass.
Key Financial Metrics
Earnings & Revenue
Triumph Financial, Inc. generated $125.7M in revenue in Q3 2026. This represents an increase of 15.0% from the same quarter a year earlier. Against the prior quarter it is up 4.5%.
Triumph Financial, Inc. reported $13.4M in net income in Q3 2026. This represents an increase of 686.2% from the same quarter a year earlier. Against the prior quarter it is up 18.1%.
Triumph Financial, Inc. earned $0.52 per diluted share (EPS) in Q3 2026. Against the prior quarter it is up 18.2%.
Not reported for Q3 2026.
Cash & Balance Sheet
Triumph Financial, Inc. generated $21.3M in free cash flow in Q3 2026, representing cash available after capex. This represents a decrease of 5.3% from the same quarter a year earlier. Against the prior quarter it is down 50.2%.
Triumph Financial, Inc. held $1.0B in cash as of Q3 2026; no long-term debt figure is on record for that period.
Not reported for Q3 2026.
Margins & Returns
Triumph Financial, Inc.'s net profit margin was 10.7% in Q3 2026, showing the share of revenue converted to profit. This is up 9.1 percentage points from the same quarter a year earlier. Against the prior quarter it is up 1.2 percentage points.
Triumph Financial, Inc.'s quarterly ROE was 1.4% in Q3 2026: one quarter's net income over shareholder equity, not annualized. This is up 1.2 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.2 percentage points.
Not reported for Q3 2026.
Not reported for Q3 2026.
Capital Allocation
Triumph Financial, Inc. repurchased no shares in Q3 2026. The change from the same quarter a year earlier is not meaningful, because that figure was zero or negative. Against the prior quarter it is down 100.0%.
Triumph Financial, Inc. invested $4.3M in capex in Q3 2026, funding long-term assets and infrastructure. This represents an increase of 119.4% from the same quarter a year earlier. Against the prior quarter it is up 23.2%.
Not reported for Q3 2026.
TFIN Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K |
|---|---|---|---|---|---|---|---|---|
| Revenue | $125.7M+15.0% | $120.2M+11.3% | $105.8M+4.2% | $120.1M+16.0% | $109.3M+2.9% | $108.1M+2.8% | $101.6M+0.5% | $103.6M-2.4% |
| Interest Expense | $27.4M+30.0% | $25.7M+25.3% | $16.7M-6.9% | $20.4M+15.2% | $21.1M+8.9% | $20.5M+7.5% | $17.9M+12.4% | $17.7M+5.1% |
| Income Tax | $5.1Mn/m | $4.5M+28.5% | $1.8M+3281.1% | $4.5M+125.9% | -$425K-145.2% | $3.5M+318.6% | $53K-91.3% | $2.0M-35.5% |
| Net Income | $13.4M+686.2% | $11.4M+157.2% | $6.4M+37282.4% | $19.2M+400.6% | $1.7M-68.1% | $4.4M+60.9% | $17K-99.6% | $3.8M-60.1% |
| EPS (Basic) | $0.53 | $0.44+193.3% | $0.23n/m | $0.78+500.0% | $0.04 | $0.15+87.5% | -$0.03-121.4% | $0.13-65.8% |
| EPS (Diluted) | $0.52 | $0.44+193.3% | $0.23n/m | $0.77+541.7% | $0.04 | $0.15+87.5% | -$0.03-121.4% | $0.12-68.4% |
| Diluted Shares (Avg) | 24M | 24M+1.6% | 24M+2.9% | N/A | 24M | 24M+0.5% | 23M-1.2% | N/A |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, SG&A Expenses, Operating Income, EBITDA.
TFIN Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $7.7B+20.8% | $7.4B+14.0% | $6.9B+9.7% | $6.4B+7.3% | $6.4B+8.4% | $6.5B+12.3% | $6.3B+12.4% | $5.9B+11.3% |
| Cash & Equivalents | $1.0B+601.3% | $896.8M+217.6% | $581.9M+15.7% | $248.5M-24.7% | $147.2M-69.9% | $282.3M-43.6% | $502.9M+20.6% | $330.1M+15.2% |
| Goodwill | $355.3M+0.4% | $355.3M+0.4% | $355.3M+46.8% | $355.3M+46.8% | $353.9M+51.4% | $353.9M+51.4% | $241.9M+3.5% | $241.9M+3.5% |
| Total Liabilities | $6.7B+23.2% | $6.4B+15.4% | $5.9B+10.3% | $5.4B+7.5% | $5.4B+9.2% | $5.6B+13.7% | $5.4B+14.3% | $5.1B+12.8% |
| Total Equity | $978.6M+6.4% | $963.3M+5.6% | $950.7M+6.4% | $941.8M+5.7% | $919.3M+3.8% | $912.4M+4.4% | $893.9M+2.5% | $890.9M+3.1% |
| Retained Earnings | $600.1M+8.5% | $587.5M+6.4% | $576.9M+5.2% | $571.4M+4.0% | $553.0M+1.2% | $552.0M+1.9% | $548.4M+1.6% | $549.2M+2.4% |
Not reported in any period shown, so not listed: Current Assets, Short-Term Investments, Inventory, Accounts Receivable, Long-Term Investments, Current Liabilities, Non-Current Liabilities, Long-Term Debt.
TFIN Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $25.6M+4.8% | $46.2M+371.2% | $5.1Mn/m | $36.5M+75.2% | $24.4M-8.2% | $9.8M-55.2% | -$3.6Mn/m | $20.8M-50.6% |
| Depreciation & Amortization | $5.6M-16.5% | $5.2M-28.6% | $5.4M-14.9% | $6.1M-9.8% | $6.7M-11.7% | $7.4M+7.2% | $6.3M+0.1% | $6.8M+6.6% |
| Stock-Based Compensation | $3.6M-11.3% | $4.1M+19.8% | $3.4M+20.7% | N/A | $4.0M-0.3% | $3.4M-0.3% | $2.8M-21.9% | N/A |
| Capital Expenditures | $4.3M+119.4% | $3.5M+15.0% | $1.7M-58.8% | N/A | $2.0M+141.3% | $3.0M | $4.2M | N/A |
| Free Cash Flow | $21.3M-5.3% | $42.7M+532.0% | $3.3Mn/m | N/A | $22.4M-13.0% | $6.8M | -$7.9M | N/A |
| Investing Cash Flow | -$141.1Mn/m | -$215.8Mn/m | -$171.4Mn/m | $70.5Mn/m | -$29.2Mn/m | -$411.8Mn/m | -$154.9Mn/m | -$253.8M-232.1% |
| Financing Cash Flow | $251.3Mn/m | $484.5M+167.0% | $499.8M+50.8% | -$5.7M-107.8% | -$130.3M-299.8% | $181.4M-3.0% | $331.4M+33.2% | $73.8Mn/m |
| Dividends Paid | $801K0.0% | $802K0.0% | $801K0.0% | $802K0.0% | $801K0.0% | $802K0.0% | $801K0.0% | $802K0.0% |
| Share Buybacks | $0n/m | $2.1M+1.4% | $92K-28.1% | $0 | $0n/m | $2.1M-34.7% | $128K+58.0% | N/A |
TFIN Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 10.7%+9.1pp | 9.5%+5.4pp | 6.0%+6.0pp | 16.0%+12.3pp | 1.6%-3.5pp | 4.1%+1.5pp | 0.0%-4.1pp | 3.7%-5.4pp |
| Return on Equity | 1.4%+1.2pp | 1.2%+0.7pp | 0.7%+0.7pp | 2.0%+1.6pp | 0.2%-0.4pp | 0.5%+0.2pp | 0.0%-0.5pp | 0.4%-0.7pp |
| Return on Assets | 0.2%+0.1pp | 0.1%+0.1pp | 0.1%+0.1pp | 0.3%+0.2pp | 0.0%-0.1pp | 0.1%0.0pp | 0.0%-0.1pp | 0.1%-0.1pp |
| Liabilities-to-Equity | 6.85+0.9x | 6.69+0.6x | 6.23+0.2x | 5.78+0.1x | 5.92+0.3x | 6.12+0.5x | 6.01+0.6x | 5.68+0.5x |
| Asset Turnover | 0.020.0x | 0.020.0x | 0.020.0x | 0.020.0x | 0.020.0x | 0.020.0x | 0.020.0x | 0.020.0x |
| FCF Margin | 16.9%-3.6pp | 35.5%+29.2pp | 3.1%+10.9pp | N/A | 20.5%-3.7pp | 6.3% | -7.7% | N/A |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio, Debt-to-Equity.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it. Market cap is stated at each company's latest close.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| Triumph Financial, Inc. TFIN | FY2025 | $439.0M | $25.4M | 5.8% | $1.5B | 30/100 |
| Live Oak Bancshares, Inc. LOB | FY2025 | $577.8M | $105.9M | 18.3% | $1.6B | 36/100 |
| Esquire Financial Holdings, Inc. ESQ | FY2025 | $146.6M | N/A | N/A | $1.5B | 73/100 |
| Center Bancorp Inc CNOB | FY2025 | $388.3M | $80.4M | 20.7% | $1.6B | 52/100 |
| National Bank Holdings Corp. NBHC | FY2025 | $416.1M | $109.6M | 26.3% | $1.6B | 53/100 |
| Origin Bancorp Inc OBK | FY2025 | $390.8M | $75.2M | 19.2% | $1.7B | 46/100 |
Where Triumph Financial, Inc. Ranks
Frequently Asked Questions
Triumph Financial, Inc. (TFIN) reported $439.0M in total revenue for fiscal year 2025. This represents a 5.6% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
Triumph Financial, Inc. (TFIN) revenue grew by 5.6% year-over-year, from $415.9M to $439.0M in fiscal year 2025.
Yes, Triumph Financial, Inc. (TFIN) reported a net income of $50.4M over the trailing 12 months to September 30, 2026. In fiscal year 2025 it reported a net income of $25.4M, with a net profit margin of 5.8%.
Triumph Financial, Inc. (TFIN) had a net profit margin of 5.8% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Triumph Financial, Inc. (TFIN) has a return on equity of 2.7% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
Triumph Financial, Inc. (TFIN) generated $67.1M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
Triumph Financial, Inc. (TFIN) had $6.4B in total assets as of fiscal year 2025, including both current and long-term assets.
Triumph Financial, Inc. (TFIN) had a liabilities-to-equity ratio of 5.78 as of fiscal year 2025, which is total liabilities divided by total shareholder equity. Total liabilities counts every obligation on the balance sheet (payables, deposits, insurance reserves and deferred taxes as well as borrowings), so this ratio usually runs well above debt-to-equity. No debt-to-equity ratio is shown for fiscal year 2025, because the filing data we hold for that year carries no long-term debt figure.
Triumph Financial, Inc. (TFIN) had a return on assets of 0.4% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
Triumph Financial, Inc. (TFIN) trades at 29.6x earnings, its market capitalization divided by $50.4M net income, trailing 12 months to September 30, 2026. The market capitalization is $1.5B as of Nov 5, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
Triumph Financial, Inc. (TFIN) trades at 3.2x sales, its market capitalization divided by $471.8M revenue, trailing 12 months to September 30, 2026. The market capitalization is $1.5B as of Nov 5, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
Triumph Financial, Inc. (TFIN) has a Piotroski F-Score of 4 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Triumph Financial, Inc. (TFIN) scores 30 out of 100 on our Financial Health Score, indicating weak standing within its banks peer group. The score is the average of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. For Triumph Financial, Inc. it averages the 5 of 6 dimensions that can be computed; the others are left out rather than counted as zero. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.