Is Triumph Financial (TFIN) overvalued or fairly valued?

MarketChacha shows Triumph Financial's valuation in context — a trailing P/E of about 80.9, a forward P/E of about 21.9, a price-to-book of about 1.8 — alongside its revenue and profit growth and whether reported profit converts into operating cash, so you can judge value for yourself. MarketChacha does not issue ratings, price targets, or buy/sell advice.

Does Triumph Financial's reported profit turn into cash?

Over 3 years, operating cash flow fully covered reported profit — earnings are backed by real cash. MarketChacha computes this cash-conversion check (2.25×) from reported figures — education, not a rating.

What is the share price of Triumph Financial (TFIN)?

Triumph Financial last traded at $69.60 (+1.2% on the day), as of 9/4/2026 — a delayed quote shown for education, not investment advice.

Triumph Financial

TFIN · NYSE · Financials · United States

Snapshot

TickerTFIN

ExchangeNYSE

SectorFinancials

IndustryBanks - Regional

CountryUnited States

Employees1,441

HeadquartersDallas, United States

Websitetriumph.io

Filings tracked17

About Triumph Financial

Triumph Financial, Inc., a financial holding company, provides banking, factoring, payments, and intelligence services in the United States. It offers deposit products, including checking, savings, money market, and certificates of deposit; and loan products, such as commercial real estate, commercial construction, land, and land development, residential real estate, agriculture, and consumer loans, as well as commercial and industrial loans, equipment loans, asset-based loans, business loans for working capital and operational purposes, and liquid credit loans. The company also provides electronic banking services, debit cards, insurance brokerage services, mortgage warehouse facilities, and transportation factoring services; payment, audit, and other banking services for the over the road trucking industry; and LoadPay product, a digital bank account developed for Carriers, as well as provides service and performance scoring and benchmarking to the over-the-road trucking industry. The company was formerly known as Triumph Bancorp, Inc. and changed its name to Triumph Financial, Inc. in December 2022. Triumph Financial, Inc. was incorporated in 2003 and is headquartered in Dallas, Texas.

Who owns it

Insiders5.3%
Institutions94.7%
Public & other0.0%

326 institutional holders

Ownership breakdown from public market data.

Top holders

Blackrock Inc.14.21%
State Street Corporation6.16%
Kayne Anderson Rudnick Investment Management LLC5.96%
AltraVue Capital, LLC5.88%
Thrivent Financial For Lutherans5.44%
Vanguard Capital Management LLC4.27%
Vanguard Portfolio Management LLC3.76%
Dimensional Fund Advisors LP3.51%

Largest institutional holders — last updated 6/30/2026.

Forensic scorecard

Latest ROE of 2.7% is on the low side — the business earns a modest return on shareholder capital.

Cash conversion2.25×

Over 3 years, operating cash flow fully covered reported profit — earnings are backed by real cash.

Return on equity2.7%

Latest ROE of 2.7% is on the low side — the business earns a modest return on shareholder capital.

Computed by MarketChacha from reported figures (SEC XBRL). Education, not a rating or recommendation.

What's expected next

Next quarter

Rev $125.9M · EPS 0.71

Est. earnings growth +65.0%

Next fiscal year

Rev $524.7M · EPS 3.16

Est. earnings growth +54.5%

Analyst consensus estimates — not the company's own guidance.

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P/E ROE ROCE Margins Market cap

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Financials at a glance

Source: SEC XBRL

Annual

Quarterly · last 8

ROE

2.7%

Profit CAGR (2y)

-21.4%

EPS (FY2025)

0.93

Net profit (FY2025)

$25.4M

Ask MarketChacha about TFIN

Get a cited, plain-English answer — the “why”, not just data. Finance research only, never buy/sell advice.

Financials

Yearly

Period	Net profit	EPS	ROE
FY2025	$25.4M	0.93	2.7%
FY2024	$16.1M	0.54	1.8%
FY2023	$41.1M	1.61	4.8%

Quarterly

Period	Net profit	EPS
2026Q2	$11.4M	0.44
2026Q1	$6.4M	0.23
2025Q3	$1.7M	0.04
2025Q2	$4.4M	0.15
2025Q1	$17,000	-0.03
2024Q3	$5.3M	0.19
2024Q2	$2.7M	0.08
2024Q1	$4.2M	0.14
2023Q3	$12.8M	0.51
2023Q2	$7.7M	0.29
2023Q1	$11.0M	0.43

Figures as reported, in reporting currency. Source: SEC XBRL.

Filings & announcements

2026

8-K — Results of operations, Exhibits
SEC7/21/2026material
10-Q filing
SEC7/21/2026
8-K — Other events, Exhibits
SEC5/29/2026material
8-K — Shareholder vote results, Exhibits
SEC4/23/2026material
8-K — Results of operations, Exhibits
SEC4/21/2026material
10-Q filing
SEC4/21/2026
8-K — Other events, Exhibits
SEC2/27/2026material
10-K filing
SEC2/11/2026
8-K — Results of operations, Exhibits
SEC1/26/2026material

2025

8-K — Other events, Exhibits
SEC11/28/2025material
8-K — Results of operations, Reg FD disclosure, Exhibits
SEC10/15/2025material
10-Q filing
SEC10/15/2025
8-K — Other events, Exhibits
SEC9/11/2025material
8-K — Other events, Exhibits
SEC8/29/2025material
8-K — Other events, Exhibits
SEC8/21/2025material
8-K — Delisting notice, Reg FD disclosure, Exhibits
SEC8/8/2025material
8-K — Executive/director change, Exhibits
SEC7/30/2025material

In the news

Education and discussion only — not investment advice. Financials from official filings (SEC/BSE) and reported company statements; market figures (delayed market data) are delayed and shown for reference only. Verify with the linked sources before acting.