Triumph Financial, Inc. (TFIN)
Triumph Financial, Inc., a financial technology enterprise founded in 1981 and based in Dallas, Texas, centers its operations on payments, factoring, and banking. The company, which rebranded from Triumph Bancorp, Inc. in December 2022, executes its strategy through various subsidiaries, including TriumphPay, Triumph, and TBK Bank. It offers a comprehensive array of cash flow management services specifically designed for the trucking industry, encompassing invoice factoring, fuel discount programs, truck and cargo insurance, equipment financing, and general banking and treasury functionalities. Additionally, Triumph Financial provides a broader range of financial solutions such as factoring products, diverse insurance offerings, equipment finance, and asset-based lending.
Sector: State Commercial Banks
Industry: Banks - Regional
Triumph Financial, Inc.
NYSE:TFINFinancial Services · Banks - Regional
PrePre-market+0.42%$61.49
Close$61.230.00%AH$61.23+0.42%Now$61.49
Close$61.23-1.61%AH$61.23+0.42%since
Mkt Cap$1.46B
Float22.67M
O/S23.92M
PM VOL815 sh
$ Vol≈$50K
RVOL3.93×
Inst Own96.6%
SI9.7%
Dilution
Financials Summary
Revenue$516.08M
Net Income$25.36M
Total Assets$6.38B
Free Cash Flow$50.62M
Debt & Equity
Debt 28%
Equity 68%
Preferred 3%
Total Debt$392.87M
Total Equity$941.77M
Preferred Stock$45M
Shares Outstanding
Short Interest
Split History
No splits on record
Nothing in TFIN's public trading history: no forward or reverse split has affected the share count.
Balance Sheet Details
Assets$6.38B
Liabilities$5.44B
Accounts Receivable$0
Accounts Payable$0
Inventory$0
PP&E (Net)$91.07M
Goodwill$355.3M
Intangible Assets$47.89M
Income Statement
| Period | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 | FY 2014 | FY 2013 | FY 2012 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Currency | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD |
| Period Ending | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 | 2015-12-31 | 2014-12-31 | 2013-12-31 | 2012-12-31 |
| Revenue | $516.08M | $487.63M | $471.85M | $502.94M | $442M | $372.74M | $342.72M | $284.88M | $197.02M | $145.45M | $116.94M | $99.38M | $46.63M | $29.61M |
| YoY Growth | 5.8% | 3.3% | -6.2% | 13.8% | 18.6% | 8.8% | 20.3% | 44.6% | 35.5% | 24.4% | 17.7% | 113.1% | 57.5% | - |
| Cost of Revenue | $82.75M | $90.53M | $65.8M | $25.31M | $9.54M | $75.72M | $63.19M | $52.09M | $33.17M | $18.83M | $12.64M | $12.63M | $7.36M | $5.45M |
| Gross Profit | $433.05M | $397.1M | $406.05M | $477.63M | $432.46M | $297.03M | $279.53M | $232.78M | $163.85M | $126.62M | $104.3M | $86.75M | $39.27M | $24.16M |
| Gross Margin | 83.9% | 81.4% | 86.1% | 95.0% | 97.8% | 79.7% | 81.6% | 81.7% | 83.2% | 87.1% | 89.2% | 87.3% | 84.2% | 81.6% |
| Research and Development | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Selling, General, and Administrative | $245.5M | $228.48M | $219.97M | $211.06M | $181.5M | $133.21M | $140.26M | $114.58M | $85.97M | $64.65M | $57.68M | $49.52M | $23.33M | $13.15M |
| Other | $154.56M | $148.16M | $133.26M | $129.57M | $106.01M | $79.1M | $63.82M | $51.7M | $16.79M | $28.46M | $9.07M | $7.07M | $380K | $5.33M |
| Total Operating Expenses | $400.06M | $376.63M | $353.23M | $340.63M | $287.51M | $212.32M | $204.08M | $166.28M | $102.75M | $93.11M | $66.75M | $56.58M | $23.71M | $18.48M |
| Operating Income (EBIT) | $32.99M | $20.47M | $52.81M | $137M | $144.95M | $84.71M | $75.45M | $66.5M | $61.1M | $33.51M | $37.55M | $30.17M | $15.56M | $5.68M |
| Operating Margin | 6.4% | 4.2% | 11.2% | 27.2% | 32.8% | 22.7% | 22.0% | 23.3% | 31.0% | 23.0% | 32.1% | 30.4% | 33.4% | 19.2% |
| Interest Expense | $79.88M | $72.06M | $54.34M | $18.75M | $18.43M | $37.39M | $55.25M | $35.93M | $21.54M | $12.13M | $8.11M | $6.77M | $3.95M | $3.71M |
| Interest Income | $430.47M | $422.51M | $422.42M | $419.24M | $387.56M | $322.12M | $311.15M | $262.98M | $177.22M | $124.49M | $98.76M | $87.23M | $42.63M | $26.95M |
| Other Income (Expense) | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Income Before Tax (EBT) | $32.99M | $20.47M | $52.81M | $137M | $144.95M | $84.71M | $75.45M | $66.5M | $61.1M | $33.51M | $37.55M | $30.17M | $15.56M | $5.68M |
| Income Tax Expense | $7.63M | $4.38M | $11.73M | $34.69M | $31.98M | $20.69M | $16.9M | $14.79M | $24.88M | $12.81M | $8.42M | $10.38M | $2.13M | -$5.39M |
| Net Income | $25.36M | $16.09M | $41.08M | $102.31M | $112.97M | $64.02M | $58.54M | $51.71M | $36.22M | $20.7M | $29.13M | $17.73M | $12.56M | $10.08M |
| Net Income Margin | 4.9% | 3.3% | 8.7% | 20.3% | 25.6% | 17.2% | 17.1% | 18.2% | 18.4% | 14.2% | 24.9% | 17.8% | 26.9% | 34.0% |
| Supplementary Data | ||||||||||||||
| EPS | 0.94 | 0.55 | 1.63 | 4.06 | 4.44 | 2.56 | 2.26 | 2.06 | 1.85 | 1.11 | 1.58 | 1.55 | 0.71 | 1.51 |
| Diluted EPS | 0.93 | 0.54 | 1.61 | 3.96 | 4.35 | 2.53 | 2.25 | 2.03 | 1.81 | 1.10 | 1.56 | 1.52 | 0.71 | 1.51 |
| Weighted Average OS | 23.62M | 23.29M | 23.21M | 24.39M | 24.74M | 24.39M | 25.94M | 24.79M | 19.13M | 17.86M | 18.02M | 10.94M | 16.59M | 6.68M |
| EBITDA | $70.25M | $53.82M | $82.52M | $166.29M | $167.87M | $103.76M | $92.71M | $79.2M | $70.3M | $40.11M | $43.68M | $35.04M | $16.97M | $7.2M |
| EBITDA Margin | 13.6% | 11.0% | 17.5% | 33.1% | 38.0% | 27.8% | 27.1% | 27.8% | 35.7% | 27.6% | 37.3% | 35.3% | 36.4% | 24.3% |
Balance Sheet
| Period | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 | FY 2014 | FY 2013 | FY 2012 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Currency | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD |
| Period Ending | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 | 2015-12-31 | 2014-12-31 | 2013-12-31 | 2012-12-31 |
| Assets | ||||||||||||||
| Current Assets | ||||||||||||||
| Cash and Cash Equivalents | $248.47M | $330.12M | $286.63M | $408.18M | $383.18M | $314.39M | $197.88M | $234.94M | $134.13M | $114.51M | $105.28M | $160.89M | $85.8M | $15.78M |
| Short-Term Investments | $364.28M | $86.79M | $299.64M | $254.5M | $182.43M | $224.31M | $248.82M | $336.42M | $250.6M | $275.03M | $163.17M | $162.02M | $184.65M | $43.65M |
| Cash and Short-Term Investments | $612.75M | $416.91M | $586.28M | $662.69M | $565.6M | $538.7M | $446.7M | $571.36M | $384.73M | $389.54M | $268.45M | $322.91M | $270.45M | $59.43M |
| Accounts Receivable | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other Current Assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total Current Assets | $612.75M | $416.91M | $586.28M | $662.69M | $565.6M | $538.7M | $446.7M | $571.36M | $384.73M | $389.54M | $268.45M | $322.91M | $270.45M | $59.43M |
| Long-Term Assets | ||||||||||||||
| Property, Plant & Equipment Net | $91.07M | $160.74M | $113.46M | $103.34M | $105.73M | $103.4M | $96.59M | $83.39M | $62.86M | $45.46M | $22.23M | $21.93M | $23.34M | $2.98M |
| Goodwill | $355.3M | $241.95M | $233.71M | $233.71M | $233.73M | $163.21M | $158.74M | $158.74M | $44.13M | $28.81M | $15.97M | $15.97M | $14.05M | $14.05M |
| Intangible Assets | $47.89M | $54.23M | $46.01M | $32.06M | $43.13M | $26.71M | $31.54M | $40.67M | $19.65M | $17.72M | $11.89M | $13.09M | $14.47M | $0 |
| Long-Term Investments | $0 | $4.81B | $4.14B | $4.09B | $4.84B | $4.94B | $4.18B | $3.6B | $2.88B | $2.04B | $1.28B | $1B | $883.59M | $209.32M |
| Deferred Tax Assets | $181K | $13.58M | $8.8M | $16.47M | $10.02M | $6.43M | $3.81M | $8.44M | $8.96M | $18.82M | $15.95M | $15.96M | $20.81M | $5.29M |
| Other Long-Term Assets | $0 | $253.06M | $222.5M | $193.13M | $154.9M | $160.01M | $140.9M | $100.46M | $101.67M | $99.14M | $76.18M | $56.97M | $61.53M | $10.39M |
| Total Long-Term Assets | $494.44M | $5.53B | $4.76B | $4.67B | $5.39B | $5.4B | $4.61B | $3.99B | $3.11B | $2.25B | $1.42B | $1.12B | $1.02B | $242.03M |
| Other Assets | $5.27B | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total Assets | $6.38B | $5.95B | $5.35B | $5.33B | $5.96B | $5.94B | $5.06B | $4.56B | $3.5B | $2.64B | $1.69B | $1.45B | $1.29B | $301.46M |
| Liabilities | ||||||||||||||
| Current Liabilities | ||||||||||||||
| Accounts Payable | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Short-Term Debt | $0 | $0 | $0 | $340K | $2.1M | $3.1M | $2.03M | $4.49M | $11.49M | $10.49M | $9.32M | $9.28M | $11.33M | $0 |
| Current Income Tax Payable | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Current Unearned Revenue | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other Current Liabilities | $4.95B | $4.82B | $3.98B | $4.17B | $4.65B | $4.72B | $3.79B | $3.45B | $2.62B | $2.02B | $1.25B | $1.17B | $1.04B | $225.7M |
| Total Current Liabilities | $4.95B | $4.82B | $3.98B | $4.17B | $4.65B | $4.72B | $3.79B | $3.45B | $2.63B | $2.03B | $1.26B | $1.17B | $1.06B | $225.7M |
| Long-Term Liabilities | ||||||||||||||
| Long-Term Debt | $392.87M | $142.01M | $405.42M | $178.96M | $354.7M | $424.44M | $556.89M | $418.01M | $452.45M | $311.47M | $154.69M | $27.42M | $57.74M | $10.5M |
| Long-Term Unearned Revenue | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Long-Term Deferred Tax Liabilities | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other Long-Term Liabilities | $95.73M | $95.22M | $100.04M | $94.18M | $93.9M | $64.87M | $74.88M | $50.33M | $22.05M | $13.97M | $10.32M | $8.46M | $13.71M | $1.79M |
| Total Long-Term Liabilities | $488.6M | $237.24M | $505.46M | $273.14M | $448.6M | $489.31M | $631.77M | $468.34M | $474.5M | $325.45M | $165.01M | $35.88M | $71.46M | $12.29M |
| Other Liabilities | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total Liabilities | $5.44B | $5.06B | $4.48B | $4.44B | $5.1B | $5.21B | $4.42B | $3.92B | $3.11B | $2.35B | $1.42B | $1.21B | $1.13B | $237.99M |
| Stockholders' Equity | ||||||||||||||
| Preferred Stock | $45M | $45M | $45M | $45M | $45M | $45M | $0 | $0 | $9.66M | $9.75M | $9.75M | $9.75M | $9.75M | $5M |
| Common Stock | $295K | $291K | $290K | $283K | $283K | $280K | $272K | $271K | $209K | $182K | $181K | $180K | $98K | $46K |
| Retained Earnings | $571.37M | $549.22M | $536.33M | $498.46M | $399.35M | $289.58M | $229.03M | $170.49M | $119.36M | $83.91M | $64.1M | $35.74M | $18.99M | $7.09M |
| Comprehensive Income & Other | -$1.74M | -$3.12M | -$2.93M | -$6.9M | $8.03M | $5.82M | $1.11M | -$1.2M | -$596K | -$276K | $277K | $951K | $133K | $456K |
| Other Stockholders' Equity | $370.11M | $341.41M | $327.78M | $390.23M | $459.23M | $436.92M | $407.29M | $465.85M | $272.13M | $205.25M | $203.76M | $201.59M | $114.51M | $49.38M |
| Total Equity | $941.77M | $890.92M | $864.4M | $888.97M | $858.86M | $726.78M | $636.59M | $636.61M | $391.7M | $289.35M | $268.04M | $237.51M | $133.6M | $56.51M |
| Minority Interest | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $27M | $6.96M |
| Total Liabilities and Equity | $6.38B | $5.95B | $5.35B | $5.33B | $5.96B | $5.94B | $5.06B | $4.56B | $3.5B | $2.64B | $1.69B | $1.45B | $1.26B | $294.5M |
| Supplementary Data | ||||||||||||||
| Total Debt | $392.87M | $142.01M | $405.42M | $179.3M | $356.81M | $427.54M | $558.93M | $422.5M | $463.94M | $321.96M | $164M | $36.7M | $69.07M | $10.5M |
| Net Debt | $144.4M | -$188.1M | $118.78M | -$228.88M | -$26.37M | $113.15M | $361.05M | $187.56M | $329.81M | $207.45M | $58.73M | -$124.18M | -$16.72M | -$5.28M |
Cash Flow Statement
| Period | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 | FY 2014 | FY 2013 | FY 2012 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Currency | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD |
| Period Ending | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 | 2015-12-31 | 2014-12-31 | 2013-12-31 | 2012-12-31 |
| Operating Activities | ||||||||||||||
| Net Income | $25.36M | $16.09M | $41.08M | $102.31M | $112.97M | $64.02M | $58.54M | $51.71M | $36.22M | $20.7M | $29.13M | $19.79M | $13.43M | $11.07M |
| Depreciation & Amortization | $37.26M | $33.35M | $29.71M | $29.29M | $22.91M | $19.05M | $17.27M | $12.7M | $9.2M | $6.6M | $6.12M | $4.87M | $1.41M | $1.52M |
| Deferred Income Tax | $6.29M | -$4.78M | $6.54M | -$1.78M | -$5.83M | -$2.08M | $3.93M | $708K | $10.16M | $1.89M | -$280K | $4.37M | $1.89M | -$5.53M |
| Stock-Based Compensation | $14.01M | $14.52M | $13.23M | $21.18M | $20.32M | $4.62M | $3.65M | $2.73M | $1.8M | $2.37M | $3.08M | $2.69M | $129K | $0 |
| Changes in Working Capital: | ||||||||||||||
| Accounts Receivable | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Accounts Payable | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other Working Capital | -$2.81M | -$15.59M | -$36.63M | -$39.03M | $5.64M | $23.27M | -$11.02M | -$2.25M | $6.38M | -$1.9M | $1.26M | -$6.73M | $10.1M | -$4.15M |
| Total Working Capital Change | -$2.81M | -$15.59M | -$36.63M | -$39.03M | $5.64M | $23.27M | -$11.02M | -$2.25M | $6.38M | -$1.9M | $1.26M | -$6.73M | $10.1M | -$4.15M |
| Other Non-Cash Items | -$13.05M | $14.99M | $6.14M | -$31.21M | -$19.05M | -$11.56M | $75K | $8.23M | -$16.49M | $1.33M | -$14.02M | -$5.32M | -$16.09M | $1.39M |
| Net Cash from Operating | $67.06M | $58.57M | $60.06M | $80.75M | $136.96M | $97.33M | $72.45M | $73.83M | $47.27M | $30.98M | $25.3M | $19.68M | $10.87M | $4.3M |
| Investing Activities | ||||||||||||||
| Capital Expenditures | -$16.45M | -$62.79M | -$23.92M | -$10.91M | -$14.36M | -$17.57M | -$21.34M | -$18.78M | -$7.95M | -$4.33M | -$2.44M | -$2.75M | -$1.4M | -$2.75M |
| Acquisitions | -$137.37M | -$10M | $0 | $85.92M | -$96.93M | -$14.54M | $0 | -$68.02M | $55.58M | -$14.48M | -$127.59M | $7.93M | $74.71M | -$15.45M |
| Purchases of Investments | -$105M | -$204.79M | -$72.04M | -$140.77M | -$58.79M | -$133.97M | -$80.46M | -$19.88M | -$23.13M | -$74.06M | -$51.04M | -$34.97M | -$2M | $0 |
| Sales of Investments | $124.67M | $124.95M | $46.09M | $67.18M | $100.16M | $167.66M | $170.99M | $202.78M | $180.1M | $91.82M | $31.22M | $58.42M | $17.81M | $7.72M |
| Other Investing Activities | -$391.33M | -$437.4M | -$79.69M | $664.7M | $147.58M | -$776.31M | -$589.57M | -$364.41M | -$584.37M | -$272.51M | -$239.28M | -$150.73M | -$94.68M | -$31.89M |
| Net Cash from Investing | -$525.48M | -$590.03M | -$129.56M | $666.11M | $77.66M | -$774.74M | -$520.37M | -$268.31M | -$379.77M | -$273.56M | -$389.13M | -$122.09M | -$5.56M | -$42.37M |
| Financing Activities | ||||||||||||||
| Debt Repaid | -$250M | $264.5M | -$225M | $177.14M | $71.49M | $133.14M | -$138.28M | $35.74M | -$135M | -$148.68M | -$225.32M | $30.57M | -$6.21M | $32.33M |
| Common Stock Issuance | $2.81M | $2.6M | $0 | $1.47M | $0 | $0 | $0 | $192.05M | $65.51M | $0 | $0 | $83.81M | $42.4M | $1M |
| Common Stock Repurchases | -$2.23M | -$3.29M | -$81.62M | -$76.71M | -$1.24M | -$35.77M | -$64.52M | -$398K | -$366K | -$11.15M | -$343K | -$26.06M | $0 | $0 |
| Dividends Paid | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other Financing Activities | $129.4M | $843.34M | -$192.22M | -$466.27M | -$69.89M | $922.17M | $337.11M | $139.95M | $152.74M | $115.17M | $84.03M | $151.1M | $17.27M | $22.79M |
| Net Cash from Financing | $376.77M | $574.94M | -$52.05M | -$721.87M | -$145.83M | $793.92M | $410.86M | $295.29M | $352.11M | $251.81M | $308.23M | $177.5M | $64.71M | -$3.54M |
| Forex Effect | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Net Change in Cash | -$81.65M | $43.48M | -$121.55M | $25M | $68.78M | $116.51M | -$37.06M | $100.81M | $19.61M | $9.24M | -$55.61M | $75.09M | $70.01M | -$41.61M |
| Supplementary Data | ||||||||||||||
| Operating Cash Flow | $67.06M | $58.57M | $60.06M | $80.75M | $136.96M | $97.33M | $72.45M | $73.83M | $47.27M | $30.98M | $25.3M | $19.68M | $10.87M | $4.3M |
| Capital Expenditure | -$16.45M | -$87.16M | -$43.82M | -$17.18M | -$14.36M | -$17.57M | -$21.34M | -$18.78M | -$7.95M | -$4.33M | -$2.44M | -$2.75M | -$1.4M | -$2.75M |
| Free Cash Flow | $50.62M | -$28.59M | $16.24M | $63.58M | $122.6M | $79.75M | $51.11M | $55.05M | $39.32M | $26.66M | $22.86M | $16.93M | $9.46M | $1.55M |
| Cash at Beginning | $330.12M | $286.63M | $408.18M | $383.18M | $314.39M | $197.88M | $234.94M | $134.13M | $114.51M | $105.28M | $160.89M | $85.8M | $15.78M | $57.4M |
| Cash at End | $248.47M | $330.12M | $286.63M | $408.18M | $383.18M | $314.39M | $197.88M | $234.94M | $134.13M | $114.51M | $105.28M | $160.89M | $85.8M | $15.78M |