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Dallas-based bank running TriumphPay, a freight-factoring and payments network for the trucking industry, alongside banking.
Dallas-based bank running TriumphPay, a freight-factoring and payments network for the trucking industry, alongside banking.
Earns interest and fees on factoring, which advances cash to trucking firms against unpaid freight invoices, plus ordinary bank lending. TriumphPay, which handles invoice payments between brokers, carriers and factoring firms, is the newer, fee-based line and the one the company is building out.
Moat: narrow (network effects, process know-how). TriumphPay's freight-payment network connecting brokers, carriers and factors gains value as more participants join.
Headquarters: Dallas, Texas, US · Founded: 2010 · Employees: 1,450
Size Triumph Financial (TFIN) is a United States Financials company (Savings Banks) with a market value of $1.46B, the 2006th largest of 3,117 United States companies the cockpit tracks. Shares closed at $61.23 on 6 Nov 2026.
Performance Over six months the shares fell 8.0%, against +7.4% for the median peer and -1.1% for the United States market (cap-weighted) — 2nd lowest of 20 in its peer set.
Growth Revenue grew 12.6% over the last twelve months (peer median +4.5%); the operating margin is 14.2% (peer median 44.6%).
Valuation It trades at 1.57× book value against a peer median of 1.08× (2nd most expensive of 20).
Price implies The share price implies a return on equity of about 17.5%; Triumph Financial delivers 5.3%, so the price asks more than the business earns today.
Short interest Short interest is 9.2% of the free float (15 Oct 2026).
Next results Next results expected around 27 Jan 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | $563M | $504M | $488M | $473M | $503M |
| Revenue growth | — | +3% | +3% | -6% | — |
| Net income | $50.4M | $25.4M | $16.1M | $41.1M | $102M |
| Free cash flow | $89.7M | $50.6M | -$4.26M | $19.3M | $63.6M |
| Capital expenditure | $36.5M | $35.8M | $107M | $27.0M | $10.9M |
| Total debt | $113M | $418M | $171M | $438M | $213M |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | TFIN | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -2.5% | +3.0% | 2nd lowest of 21 |
| 6-month return | -8.0% | +7.4% | 2nd lowest of 20 |
| Return on equity | 5.3% | 10.7% | 4th lowest of 20 |
| Price / book | 1.57× | 1.08× | 2nd most expensive of 20 |
| Trailing P/E | 31.2× | 12.2× | 2nd most expensive of 20 |
| ROE the price implies | 17.5% | 8.1% | most demanding of 20 |
| ROE delivered | 5.3% | 10.7% | 4th lowest of 20 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Triumph Financial TFIN | United States | $1.46B | -8% | +13% | 5% | 1.57× | 17.5% | 5.3% |
| American Savings Bank N.A ASBH | United States | $1.30B | n/a | n/a | n/a | n/a | n/a | n/a |
| OceanFirst Financial OCFC | United States | $1.82B | -4% | +31% | 2% | 0.75× | 8.1% | 2.3% |
| Shawbrook SHAW.L | United Kingdom | $1.96B | -12% | +5% | 12% | 0.79× | 8.0% | 12.2% |
| Capitol Federal Financial CFFN | United States | $1.06B | +7% | +6% | 8% | 1.04× | 8.4% | 8.4% |
| Northwest Bancshares NWBI | United States | $2.23B | +10% | +13% | 11% | 1.18× | 9.3% | 10.7% |
| TrustCo Bank Corp NY TRST | United States | $947M | +17% | +6% | 10% | 1.50× | 10.7% | 10.0% |
| Southern Missouri Bancorp SMBC | United States | $775M | +2% | +3% | 13% | 1.29× | 10.5% | 12.9% |
| Provident Financial Services PFS | United States | $2.99B | +2% | +4% | 11% | 1.05× | 9.2% | 11.0% |
| Columbia Financial CLBK | United States | $2.99B | +25% | +23% | 2% | 0.95× | 6.2% | 2.3% |
| Sparebank 1 Ostlandet SPOL.OL | Norway | $3.01B | +9% | -2% | 9% | 1.09× | 7.1% | 9.1% |
| Hingham Institution for Savings HIFS | United States | $647M | +5% | +3% | 13% | 1.26× | 10.6% | 12.6% |
| Third Coast Bancshares TCBX | United States | $646M | +1% | +18% | 13% | 0.96× | 7.9% | 12.7% |
| SpareBank 1 SMN MING.OL | Norway | $3.38B | +16% | -6% | 9% | 1.08× | 7.0% | 8.8% |
| Greene County Bancorp GCBC | United States | $615M | +51% | +8% | 17% | 2.15× | 12.5% | 16.7% |
| SpareBank 1 Ostfold Akershus SOAG.OL | Norway | $609M | -4% | +2% | 12% | 1.14× | 6.2% | 12.1% |
| Sparebanken More MORG.OL | Norway | $604M | -2% | -15% | 12% | 0.65× | 4.9% | 11.6% |
| Kearny Financial KRNY | United States | $585M | +10% | +1% | 5% | 0.77× | 6.8% | 4.9% |
| WSFS Financial WSFS | United States | $3.99B | +10% | +2% | 12% | 1.53× | 12.4% | 12.4% |
| Ponce Financial PDLB | United States | $525M | +22% | +15% | 8% | 1.49× | 9.7% | 8.2% |
| SpareBank 1 Helgeland HELG.OL | Norway | $507M | +4% | -4% | 7% | 0.92× | 5.6% | 6.7% |