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Triumph Financial (TFIN) Financials

Triumph Financial logo
$53.44 +0.07 (+0.13%)
Closing price 04:00 PM Eastern
Extended Trading
$53.56 +0.13 (+0.23%)
As of 04:20 PM Eastern
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Annual Income Statements for Triumph Financial

Annual Income Statements for Triumph Financial

This table shows Triumph Financial's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders		 17 28 20 35 51 59 62 110 99 38 13
Consolidated Net Income / (Loss)		 20 29 21 36 52 59 64 113 102 41 16
Net Income / (Loss) Continuing Operations		 20 29 21 36 52 59 64 113 102 41 16
Total Pre-Tax Income 		30 38 34 61 67 75 85 145 137 53 20
Total Revenue		 105 124 133 196 250 287 345 424 485 418 416
Net Interest Income / (Expense)		 80 91 112 156 227 256 285 369 400 368 350
Total Interest Income		 87 99 124 177 263 311 322 388 419 422 423
Loans and Leases Interest Income		 56 96 84 122 161 196 198 184 181 228 214
Investment Securities Interest Income		 31 2.56 40 54 99 112 123 203 232 181 184
Deposits and Money Market Investments Interest Income		 0.30 0.47 0.65 1.45 3.29 3.06 0.71 0.61 6.41 13 24
Total Interest Expense		 6.77 8.11 12 22 36 55 37 18 19 54 72
Deposits Interest Expense		 5.04 6.91 9.16 13 23 40 27 9.70 10 34 56
Long-Term Debt Interest Expense		 1.68 1.12 2.26 5.30 6.09 6.46 7.48 8.22 7.87 9.70 9.35
Other Interest Expense		 0.06 0.08 0.72 3.16 6.78 8.56 2.51 0.51 0.84 10 6.48
Total Non-Interest Income		 25 33 21 41 23 32 60 55 84 50 65
Other Service Charges		 11 16 7.45 8.39 5.55 9.71 26 18 24 4.53 15
Net Realized & Unrealized Capital Gains on Investments		 14 17 -1.48 20 0.29 0.41 15 2.76 21 0.22 0.18
Other Non-Interest Income		 - - 15 12 17 21 19 34 39 45 50
Provision for Credit Losses		 5.86 4.53 6.69 12 16 7.94 38 -8.83 6.93 12 19
Total Non-Interest Expense		 69 82 93 124 167 204 222 288 341 353 377
Salaries and Employee Benefits		 42 50 55 73 90 113 127 174 201 211 220
Net Occupancy & Equipment Expense		 9.22 11 14 19 32 39 45 53 69 75 84
Marketing Expense		 2.59 2.06 2.72 3.23 4.97 6.13 4.72 5.30 14 13 12
Property & Liability Insurance Claims		 1.04 1.09 0.91 1.20 1.13 0.30 1.52 2.25 1.82 2.62 2.72
Other Operating Expenses		 11 14 17 23 32 36 36 42 39 37 41
Amortization Expense		 2.92 3.98 3.78 5.20 6.98 9.13 8.33 11 16 16 18
Income Tax Expense		 10 8.42 13 25 15 17 21 32 35 12 4.38
Preferred Stock Dividends Declared		 0.78 0.78 0.89 0.77 0.58 0.00 1.70 3.21 3.21 3.21 3.21
Basic Earnings per Share		 $1.55 $1.60 $1.11 $1.85 $2.06 $2.26 $2.56 $4.44 $4.06 $1.63 $0.55
Weighted Average Basic Shares Outstanding		 10.94M 17.72M 17.86M 19.13M 26.70M 24.61M 24.88M 25.17M 23.09M 23.33M 23.42M
Diluted Earnings per Share		 $1.52 $1.57 $1.10 $1.81 $2.03 $2.25 $2.53 $4.35 $3.96 $1.61 $0.54
Weighted Average Diluted Shares Outstanding		 10.94M 17.72M 17.86M 19.13M 26.70M 24.61M 24.88M 25.17M 23.09M 23.33M 23.42M
Weighted Average Basic & Diluted Shares Outstanding		 10.94M 17.72M 17.86M 19.13M 26.70M 24.61M 24.88M 25.17M 23.09M 23.33M 23.42M

Quarterly Income Statements for Triumph Financial

This table shows Triumph Financial's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025
Period end date 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025
Net Income / (Loss) Attributable to Common Shareholders		 17 10 6.85 12 8.83 3.36 1.95 4.55 3.04 -0.78 3.62
Consolidated Net Income / (Loss)		 18 11 7.65 13 9.63 4.16 2.75 5.35 3.84 0.02 4.42
Net Income / (Loss) Continuing Operations		 18 11 7.65 13 9.63 4.16 2.75 5.35 3.84 0.02 4.42
Total Pre-Tax Income 		25 13 9.92 18 13 4.77 3.58 6.29 5.83 0.07 7.92
Total Revenue		 113 104 103 105 106 101 105 106 104 102 108
Net Interest Income / (Expense)		 101 93 91 91 92 86 88 89 88 84 89
Total Interest Income		 106 101 105 108 109 102 107 108 105 102 109
Loans and Leases Interest Income		 -70 53 57 60 59 54 95 94 12 54 55
Investment Securities Interest Income		 173 45 45 45 46 43 5.52 6.50 89 44 50
Deposits and Money Market Investments Interest Income		 2.89 2.99 2.96 3.10 3.51 4.90 6.33 7.71 5.30 4.44 4.18
Total Interest Expense		 5.56 7.29 14 16 17 16 19 19 18 18 21
Deposits Interest Expense		 3.03 3.20 6.88 12 12 12 16 14 15 14 16
Long-Term Debt Interest Expense		 2.23 2.34 2.40 2.48 2.47 2.41 2.39 2.40 2.15 1.68 1.70
Other Interest Expense		 0.30 1.75 4.76 1.25 2.57 1.35 1.19 2.94 1.00 1.81 3.32
Total Non-Interest Income		 12 11 12 13 14 15 17 17 16 17 19
Other Service Charges		 2.26 1.28 0.07 1.30 1.88 2.91 4.63 4.12 3.08 4.55 2.78
Net Realized & Unrealized Capital Gains on Investments		 0.05 -0.08 0.09 0.21 0.01 -0.19 0.12 0.25 -0.01 0.13 0.19
Other Non-Interest Income		 9.81 9.83 11 12 12 12 12 13 13 13 16
Provision for Credit Losses		 0.88 2.61 2.64 0.81 6.14 5.90 4.16 4.26 4.45 1.33 -0.70
Total Non-Interest Expense		 87 89 90 86 87 90 97 96 93 100 101
Salaries and Employee Benefits		 52 55 54 51 51 54 56 55 54 59 60
Net Occupancy & Equipment Expense		 18 18 19 18 19 20 23 21 20 21 20
Marketing Expense		 8.53 1.37 1.63 1.84 8.01 2.72 3.52 1.42 6.97 2.96 3.46
Property & Liability Insurance Claims		 0.57 0.42 0.87 0.68 0.66 0.65 0.64 0.68 0.74 0.73 0.89
Other Operating Expenses		 1.39 11 10 11 4.67 9.38 10 12 6.57 13 9.89
Amortization Expense		 6.90 3.84 4.04 3.87 4.15 3.90 4.23 5.08 4.63 4.39 6.27
Income Tax Expense		 7.63 1.50 2.27 4.87 3.09 0.61 0.84 0.94 1.99 0.05 3.50
Preferred Stock Dividends Declared		 0.80 0.80 0.80 0.80 0.80 0.80 0.80 0.80 0.80 0.80 0.80
Basic Earnings per Share		 $0.69 $0.44 $0.30 $0.52 $0.37 $0.14 $0.08 $0.19 $0.14 ($0.03) $0.15
Weighted Average Basic Shares Outstanding		 23.09M 23.37M 23.28M 23.29M 23.33M 23.33M 23.36M 23.39M 23.42M 23.42M 23.73M
Diluted Earnings per Share		 $0.67 $0.43 $0.29 $0.51 $0.38 $0.14 $0.08 $0.19 $0.13 ($0.03) $0.15
Weighted Average Diluted Shares Outstanding		 23.09M 23.37M 23.28M 23.29M 23.33M 23.33M 23.36M 23.39M 23.42M 23.42M 23.73M
Weighted Average Basic & Diluted Shares Outstanding		 23.09M 23.37M 23.28M 23.29M 23.33M 23.33M 23.36M 23.39M 23.42M 23.42M 23.73M

Annual Cash Flow Statements for Triumph Financial

This table details how cash moves in and out of Triumph Financial's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Change in Cash & Equivalents		 75 -56 9.24 20 101 -37 117 69 25 -122 43
Net Cash From Operating Activities		 20 25 31 47 74 72 97 137 81 60 59
Net Cash From Continuing Operating Activities		 20 25 31 47 74 72 97 137 81 60 59
Net Income / (Loss) Continuing Operations		 20 29 21 36 52 59 64 113 102 41 16
Consolidated Net Income / (Loss)		 20 29 21 36 52 59 64 113 102 41 16
Provision For Loan Losses		 5.86 4.53 6.69 12 16 7.94 38 -8.83 - - 19
Depreciation Expense		 1.95 2.14 2.82 4.00 5.72 8.14 11 12 13 14 16
Amortization Expense		 -4.81 -0.10 -1.07 6.35 8.49 4.37 -1.82 2.35 7.86 11 15
Non-Cash Adjustments to Reconcile Net Income		 3.62 -12 3.74 -17 -6.01 4.48 -37 13 -3.68 31 8.39
Changes in Operating Assets and Liabilities, net		 -6.73 1.26 -1.90 6.38 -2.25 -11 23 5.64 -39 -37 -15
Net Cash From Investing Activities		 -122 -389 -274 -380 -268 -520 -775 78 666 -130 -590
Net Cash From Continuing Investing Activities		 -122 -389 -274 -380 -268 -520 -775 78 666 -130 -590
Purchase of Property, Leasehold Improvements and Equipment		 -2.75 -2.44 -4.33 -7.95 -19 -21 -18 -14 -17 -41 -84
Purchase of Investment Securities		 -241 -460 -389 -564 -550 -717 -1,200 -96 293 -186 -655
Sale and/or Maturity of Investments		 64 72 120 189 226 222 429 191 386 105 149
Other Investing Activities, net		 0.90 1.09 - -7.26 0.98 -3.92 13 -3.40 3.89 -8.03 0.22
Net Cash From Financing Activities		 178 308 252 352 295 411 794 -146 -722 -52 575
Net Cash From Continuing Financing Activities		 178 308 252 352 295 411 794 -146 -722 -52 575
Net Change in Deposits		 157 84 114 151 147 340 921 -70 -465 -194 843
Issuance of Debt		 0.00 100 49 0.00 0.00 138 -94 370 -150 225 -225
Repayment of Debt		 -31 125 100 135 -36 0.00 -40 -441 -27 0.00 -40
Repurchase of Common Equity		 -0.16 -0.34 -0.65 -0.37 -0.40 -65 -36 -1.24 -77 -82 -3.29
Payment of Dividends		 -3.04 -0.78 -0.89 -0.77 -0.58 0.00 -1.70 -3.21 -3.21 -3.21 -3.21
Other Financing Activities, Net		 -28 0.04 1.17 1.28 -7.01 -2.45 0.84 0.03 -0.29 1.64 2.60
Cash Interest Paid		 8.23 7.86 10 20 32 52 42 19 16 48 69
Cash Income Taxes Paid		 5.09 5.88 11 13 13 18 12 40 47 14 0.00

Quarterly Cash Flow Statements for Triumph Financial

This table details how cash moves in and out of Triumph Financial's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025
Period end date 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025
Net Change in Cash & Equivalents		 -14 9.53 -0.34 -80 -51 130 84 -11 -159 173 -221
Net Cash From Operating Activities		 17 1.03 7.94 8.99 42 -11 16 21 37 -2.96 9.14
Net Cash From Continuing Operating Activities		 17 1.03 7.94 8.99 42 -11 16 21 37 -2.96 9.14
Net Income / (Loss) Continuing Operations		 18 11 7.65 13 9.63 4.16 2.75 5.35 3.84 0.02 4.42
Consolidated Net Income / (Loss)		 18 11 7.65 13 9.63 4.16 2.75 5.35 3.84 0.02 4.42
Provision For Loan Losses		 - - - 0.81 - 5.90 - 4.26 4.45 1.33 -0.70
Depreciation Expense		 3.32 3.08 3.48 3.65 3.59 3.61 3.99 3.94 3.97 3.94 3.96
Amortization Expense		 4.97 2.18 3.18 2.61 3.31 3.36 3.13 4.41 4.51 4.24 5.86
Non-Cash Adjustments to Reconcile Net Income		 8.57 10 4.80 1.15 15 4.68 -3.78 0.63 0.97 5.56 3.49
Changes in Operating Assets and Liabilities, net		 -11 -25 -16 -12 17 -32 0.20 2.63 20 -18 -7.89
Net Cash From Investing Activities		 278 -285 -4.28 -32 192 -108 -120 -98 -270 -156 -411
Net Cash From Continuing Investing Activities		 278 -285 -4.28 -32 192 -108 -120 -98 -270 -156 -411
Purchase of Property, Leasehold Improvements and Equipment		 -8.66 -15 -2.52 -2.03 -21 -58 -1.04 -0.82 -30 1.66 -19
Purchase of Investment Securities		 258 -291 -35 -55 194 -76 -154 -137 -288 -216 -455
Sale and/or Maturity of Investments		 28 39 29 14 23 17 45 33 55 57 52
Other Investing Activities, net		 -0.04 -18 4.41 10.00 -4.18 9.51 -9.28 6.93 -6.94 1.07 -0.35
Net Cash From Financing Activities		 -309 294 -4.00 -56 -285 249 187 65 74 331 181
Net Cash From Continuing Financing Activities		 -309 294 -4.00 -56 -285 249 187 65 74 331 181
Net Change in Deposits		 -270 -132 254 194 -510 473 -59 315 114 156 209
Issuance of Debt		 - 500 -250 -250 225 -225 250 -250 - 175 -25
Repurchase of Common Equity		 -25 -77 -4.44 - - -0.08 -3.21 - 0.00 -0.13 -2.10
Payment of Dividends		 -0.80 -0.80 -0.80 -0.80 -0.80 -0.80 -0.80 -0.80 -0.80 -0.80 -0.80
Cash Interest Paid		 4.91 5.75 13 12 17 16 18 19 16 17 20
Cash Income Taxes Paid		 2.18 1.91 12 0.04 0.12 0.13 0.51 0.17 -0.81 -0.05 1.69

Annual Balance Sheets for Triumph Financial

This table presents Triumph Financial's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Total Assets		 1,448 1,691 2,641 3,499 4,560 5,060 5,936 5,956 5,334 5,347 5,949
Cash and Due from Banks		 21 23 39 59 96 68 86 123 134 93 74
Interest Bearing Deposits at Other Banks		 140 82 76 75 139 130 229 260 274 194 256
Trading Account Securities		 163 163 304 264 350 263 236 188 260 307 386
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Loans Held for Sale		 3.29 1.34 2,012 0.00 2.11 2.74 25 7.33 5.64 1.24 1.17
Premises and Equipment, Net		 22 22 45 63 83 97 103 106 103 113 161
Goodwill		 16 16 29 44 159 159 163 234 234 234 242
Intangible Assets		 13 12 18 20 41 32 27 43 32 46 54
Other Assets		 1,070 1,371 118 2,974 3,690 4,310 5,067 4,995 4,291 4,359 4,775
Total Liabilities & Shareholders' Equity		 1,448 1,691 2,641 3,499 4,560 5,060 5,936 5,956 5,334 5,347 5,949
Total Liabilities		 1,210 1,423 2,352 3,107 3,923 4,424 5,209 5,097 4,445 4,483 5,058
Non-Interest Bearing Deposits		 180 168 363 564 725 810 1,353 1,925 1,757 1,632 1,964
Interest Bearing Deposits		 985 1,081 1,652 2,057 2,726 2,980 3,364 2,721 2,415 2,345 2,856
Long-Term Debt		 27 155 311 452 418 557 233 328 179 405 142
Other Long-Term Liabilities		 8.46 10 14 22 50 75 65 94 94 100 95
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 238 268 289 392 637 637 727 859 889 864 891
Total Preferred & Common Equity		 238 268 289 392 637 637 727 859 889 864 891
Preferred Stock		 9.75 9.75 9.75 9.66 - 0.00 45 45 45 45 45
Total Common Equity		 228 258 280 382 637 637 682 814 844 819 846
Common Stock		 191 194 197 265 470 474 489 511 535 551 568
Retained Earnings		 36 64 84 119 170 229 290 399 498 536 549
Treasury Stock		 -0.16 -0.56 -1.37 -1.78 -2.29 -67 -103 -105 -183 -265 -268
Accumulated Other Comprehensive Income / (Loss)		 0.95 0.28 -0.28 -0.60 -1.20 1.11 5.82 8.03 -6.90 -2.93 -3.12

Quarterly Balance Sheets for Triumph Financial

This table presents Triumph Financial's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q2 2022 Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025
Period end date 6/30/2022 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025
Total Assets		 5,956 5,642 5,628 5,653 5,600 5,575 5,783 5,866 6,268 6,495
Cash and Due from Banks		 85 140 83 78 85 70 76 78 72 85
Interest Bearing Deposits at Other Banks		 640 282 335 339 253 347 424 411 431 198
Trading Account Securities		 221 247 322 308 297 325 347 408 416 397
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Loans Held for Sale		 0.01 0.08 3.95 0.10 6.42 3.71 1.05 0.03 2.95 6.07
Premises and Equipment, Net		 105 104 116 115 113 163 160 156 150 149
Goodwill		 234 234 234 234 234 234 234 234 242 354
Intangible Assets		 37 35 32 29 26 50 52 52 55 98
Other Assets		 4,634 4,600 4,503 4,549 4,586 4,384 4,490 4,527 4,899 5,208
Total Liabilities & Shareholders' Equity		 5,956 5,642 5,628 5,653 5,600 5,575 5,783 5,866 6,268 6,495
Total Liabilities		 5,081 4,751 4,801 4,819 4,749 4,703 4,909 4,980 5,374 5,582
Non-Interest Bearing Deposits		 2,085 1,897 1,728 1,608 1,633 1,748 1,690 2,103 2,260 2,285
Interest Bearing Deposits		 2,696 2,544 2,311 2,685 2,854 2,703 2,702 2,604 2,717 2,901
Long-Term Debt		 178 179 679 430 180 181 431 181 317 292
Other Long-Term Liabilities		 110 118 79 96 82 71 86 92 80 104
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 874 891 827 833 850 872 874 886 894 912
Total Preferred & Common Equity		 874 891 827 833 850 872 874 886 894 912
Preferred Stock		 45 45 45 45 45 45 45 45 45 45
Total Common Equity		 829 846 782 788 805 827 829 841 849 867
Common Stock		 525 530 540 543 548 556 559 565 572 589
Retained Earnings		 466 482 509 516 528 540 542 546 548 552
Treasury Stock		 -157 -157 -260 -265 -265 -265 -268 -268 -269 -271
Accumulated Other Comprehensive Income / (Loss)		 -4.98 -8.66 -5.52 -4.99 -4.61 -3.13 -3.40 -1.82 -3.42 -2.65

Annual Metrics And Ratios for Triumph Financial

This table displays calculated financial ratios and metrics derived from Triumph Financial's official financial filings.

Metric 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 103.55% 17.79% 7.56% 47.28% 27.34% 14.98% 20.05% 22.75% 14.38% -13.68% -0.57%
EBITDA Growth		 118.05% 45.03% -10.97% 102.63% 12.97% 8.97% 6.44% 70.22% -0.74% -50.75% -34.03%
EBIT Growth		 93.88% 24.49% -10.77% 82.33% 8.84% 13.45% 12.28% 71.12% -5.48% -61.45% -61.25%
NOPAT Growth		 47.38% 47.22% -28.95% 74.98% 42.76% 13.22% 9.36% 76.46% -9.44% -59.85% -60.83%
Net Income Growth		 47.38% 47.22% -28.95% 74.98% 42.76% 13.22% 9.36% 76.46% -9.44% -59.85% -60.83%
EPS Growth		 9.35% 3.29% -29.94% 64.55% 12.15% 10.84% 12.44% 71.94% -8.97% -59.34% -66.46%
Operating Cash Flow Growth		 81.12% 28.54% 22.48% 52.58% 56.18% -1.87% 34.34% 40.72% -41.04% -25.62% -2.48%
Free Cash Flow Firm Growth		 88.55% -419.90% -23.21% -31.24% 27.08% 48.69% 235.12% -50.94% 383.70% -164.26% 257.65%
Invested Capital Growth		 19.39% 57.56% 41.49% 39.97% 23.78% 12.88% -3.45% 5.31% -12.13% 18.87% -18.66%
Revenue Q/Q Growth		 0.00% 2.97% 9.11% 5.39% 9.59% 1.20% 13.36% 2.90% -2.97% -1.57% -0.62%
EBITDA Q/Q Growth		 0.00% 11.11% 11.23% 21.03% 15.86% -13.35% 57.39% -4.75% -7.91% -11.18% -1.64%
EBIT Q/Q Growth		 0.00% 8.64% 13.00% 7.45% 14.01% -1.01% 54.08% -5.90% -11.32% -19.10% -25.17%
NOPAT Q/Q Growth		 0.00% 6.20% 9.25% 0.12% 29.50% -2.30% 31.73% -4.63% -8.15% -16.19% -26.46%
Net Income Q/Q Growth		 0.00% 6.20% 9.25% 0.12% 29.50% -2.30% 31.73% -4.63% -8.15% -16.19% -26.46%
EPS Q/Q Growth		 0.00% 12.95% 8.91% -2.69% 23.03% 0.00% 31.09% -5.43% -7.91% -15.26% -31.65%
Operating Cash Flow Q/Q Growth		 333.19% -5.78% 19.63% 11.50% 9.57% -6.17% 27.57% 8.46% -27.36% 107.40% 25.05%
Free Cash Flow Firm Q/Q Growth		 0.00% 0.00% 30.18% 7.70% -12.40% 50.90% 158.69% -89.78% 84.17% -257.59% 1,818.00%
Invested Capital Q/Q Growth		 0.00% 18.33% 0.02% -1.97% 1.08% -5.59% -22.74% 9.77% -1.38% 23.23% -3.20%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 25.95% 31.95% 26.45% 36.39% 32.28% 30.59% 27.12% 37.61% 32.64% 18.62% 12.36%
EBIT Margin		 28.67% 30.30% 25.14% 31.12% 26.60% 26.24% 24.55% 34.22% 28.27% 12.63% 4.92%
Profit (Net Income) Margin		 18.81% 23.50% 15.53% 18.45% 20.68% 20.37% 18.55% 26.67% 21.11% 9.82% 3.87%
Tax Burden Percent		 65.60% 77.58% 61.77% 59.28% 77.76% 77.60% 75.58% 77.94% 74.68% 77.78% 78.61%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 34.40% 22.42% 38.23% 40.72% 22.24% 22.40% 24.42% 22.06% 25.32% 22.22% 21.39%
Return on Invested Capital (ROIC)		 7.85% 8.25% 3.97% 4.94% 5.40% 5.19% 5.45% 9.53% 8.96% 3.51% 1.40%
ROIC Less NNEP Spread (ROIC-NNEP)		 7.85% 8.25% 3.97% 4.94% 5.40% 5.19% 5.45% 9.53% 8.96% 3.51% 1.40%
Return on Net Nonoperating Assets (RNNOA)		 2.09% 3.28% 3.46% 5.70% 4.66% 4.00% 3.94% 4.72% 2.75% 1.17% 0.44%
Return on Equity (ROE)		 9.94% 11.53% 7.43% 10.64% 10.06% 9.20% 9.39% 14.25% 11.71% 4.69% 1.83%
Cash Return on Invested Capital (CROIC)		 -9.83% -36.44% -30.40% -28.37% -15.85% -6.91% 8.96% 4.36% 21.87% -13.73% 21.97%
Operating Return on Assets (OROA)		 2.21% 2.39% 1.55% 1.99% 1.65% 1.57% 1.54% 2.44% 2.43% 0.99% 0.36%
Return on Assets (ROA)		 1.45% 1.86% 0.96% 1.18% 1.28% 1.22% 1.16% 1.90% 1.81% 0.77% 0.28%
Return on Common Equity (ROCE)		 8.78% 11.08% 7.17% 10.33% 9.96% 9.20% 9.08% 13.44% 11.10% 4.45% 1.74%
Return on Equity Simple (ROE_SIMPLE)		 8.33% 10.87% 7.15% 9.25% 8.12% 9.20% 8.81% 13.15% 11.51% 4.75% 1.81%
Net Operating Profit after Tax (NOPAT)		 20 29 21 36 52 59 64 113 102 41 16
NOPAT Margin		 18.81% 23.50% 15.53% 18.45% 20.68% 20.37% 18.55% 26.67% 21.11% 9.82% 3.87%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 51.27% 50.71% 53.29% 48.18% 50.99% 55.02% 51.18% 54.82% 58.58% 71.25% 75.78%
Operating Expenses to Revenue		 65.76% 66.05% 69.84% 62.96% 66.94% 70.99% 64.35% 67.87% 70.30% 84.45% 90.57%
Earnings before Interest and Taxes (EBIT)		 30 38 34 61 67 75 85 145 137 53 20
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 27 40 35 71 81 88 94 159 158 78 51
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.07 1.15 1.69 1.72 1.23 1.51 1.77 3.68 1.42 2.28 2.51
Price to Tangible Book Value (P/TBV)		 1.23 1.29 2.03 2.06 1.79 2.16 2.45 5.57 2.07 3.46 3.87
Price to Revenue (P/Rev)		 2.31 2.40 3.55 3.34 3.12 3.35 3.50 7.06 2.47 4.47 5.11
Price to Earnings (P/E)		 14.36 10.50 23.90 18.50 15.27 16.47 19.36 27.26 12.07 49.31 164.97
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Earnings Yield		 6.96% 9.53% 4.19% 5.40% 6.55% 6.07% 5.17% 3.67% 8.28% 2.03% 0.61%
Enterprise Value to Invested Capital (EV/IC)		 0.47 0.85 1.13 1.16 0.91 1.11 1.18 2.48 0.95 1.60 1.92
Enterprise Value to Revenue (EV/Rev)		 1.23 2.95 5.18 5.07 3.87 4.61 3.95 7.11 2.09 4.86 4.77
Enterprise Value to EBITDA (EV/EBITDA)		 4.72 9.25 19.59 13.93 11.99 15.07 14.58 18.89 6.40 26.08 38.58
Enterprise Value to EBIT (EV/EBIT)		 4.28 9.75 20.61 16.29 14.56 17.56 16.11 20.77 7.39 38.46 96.85
Enterprise Value to NOPAT (EV/NOPAT)		 6.52 12.57 33.36 27.48 18.72 22.64 21.32 26.65 9.90 49.45 123.20
Enterprise Value to Operating Cash Flow (EV/OCF)		 6.55 14.47 22.29 21.05 13.11 18.29 14.02 21.98 12.54 33.82 33.85
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 0.00 0.00 12.97 58.31 4.05 0.00 7.84
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.15 0.61 1.11 1.18 0.66 0.88 0.59 0.42 0.20 0.47 0.16
Long-Term Debt to Equity		 0.12 0.58 1.08 1.16 0.66 0.87 0.32 0.38 0.20 0.47 0.16
Financial Leverage		 0.27 0.40 0.87 1.15 0.86 0.77 0.72 0.49 0.31 0.33 0.31
Leverage Ratio		 6.87 6.21 7.77 9.02 7.84 7.56 8.07 7.50 6.46 6.09 6.44
Compound Leverage Factor		 6.87 6.21 7.77 9.02 7.84 7.56 8.07 7.50 6.46 6.09 6.44
Debt to Total Capital		 13.39% 37.96% 52.67% 54.22% 39.89% 46.75% 37.04% 29.35% 16.78% 31.93% 13.75%
Short-Term Debt to Total Capital		 3.38% 2.16% 1.72% 1.34% 0.42% 0.17% 16.89% 2.41% 0.03% 0.00% 0.00%
Long-Term Debt to Total Capital		 10.00% 35.80% 50.95% 52.88% 39.47% 46.58% 20.15% 26.94% 16.75% 31.93% 13.75%
Preferred Equity to Total Capital		 3.55% 2.26% 1.59% 1.13% 0.00% 0.00% 3.90% 3.70% 4.21% 3.54% 4.36%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 83.06% 59.78% 45.74% 44.65% 60.11% 53.25% 59.06% 66.95% 79.00% 64.53% 81.89%
Debt to EBITDA		 1.34 4.14 9.13 6.49 5.23 6.36 4.57 2.24 1.13 5.20 2.76
Net Debt to EBITDA		 -4.55 1.48 5.88 4.62 2.32 4.11 1.21 -0.17 -1.45 1.52 -3.66
Long-Term Debt to EBITDA		 1.00 3.91 8.83 6.33 5.18 6.33 2.48 2.06 1.13 5.20 2.76
Debt to NOPAT		 1.85 5.63 15.55 12.81 8.17 9.55 6.68 3.16 1.75 9.87 8.83
Net Debt to NOPAT		 -6.28 2.02 10.02 9.11 3.63 6.17 1.77 -0.23 -2.24 2.89 -11.69
Long-Term Debt to NOPAT		 1.39 5.31 15.05 12.49 8.08 9.51 3.63 2.90 1.75 9.87 8.83
Noncontrolling Interest Sharing Ratio		 11.68% 3.86% 3.50% 2.85% 0.94% 0.00% 3.30% 5.68% 5.15% 5.13% 5.13%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -25 -129 -159 -208 -152 -78 105 52 250 -160 253
Operating Cash Flow to CapEx		 716.94% 1,038.00% 716.37% 594.40% 393.21% 339.54% 553.81% 953.62% 470.05% 147.28% 69.53%
Free Cash Flow to Firm to Interest Expense		 -3.66 -15.87 -13.07 -9.66 -4.22 -1.41 2.81 2.80 13.32 -2.95 3.51
Operating Cash Flow to Interest Expense		 2.91 3.12 2.55 2.19 2.06 1.31 2.60 7.43 4.31 1.11 0.81
Operating Cash Flow Less CapEx to Interest Expense		 2.50 2.82 2.20 1.83 1.53 0.93 2.13 6.65 3.39 0.35 -0.36
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.08 0.08 0.06 0.06 0.06 0.06 0.06 0.07 0.09 0.08 0.07
Fixed Asset Turnover		 4.65 5.61 3.94 3.63 3.42 3.19 3.45 4.05 4.64 3.86 3.03
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 274 432 611 856 1,059 1,196 1,154 1,216 1,068 1,270 1,033
Invested Capital Turnover		 0.42 0.35 0.26 0.27 0.26 0.26 0.29 0.36 0.42 0.36 0.36
Increase / (Decrease) in Invested Capital		 45 158 179 244 203 136 -41 61 -147 202 -237
Enterprise Value (EV)		 129 366 691 995 968 1,325 1,365 3,010 1,012 2,031 1,982
Market Capitalization		 243 298 473 656 781 964 1,207 2,992 1,196 1,868 2,125
Book Value per Share		 $12.68 $14.32 $15.44 $18.35 $24.22 $25.10 $27.43 $32.39 $34.48 $35.18 $36.17
Tangible Book Value per Share		 $11.06 $12.77 $12.87 $15.29 $16.64 $17.60 $19.79 $21.37 $23.62 $23.17 $23.51
Total Capital		 274 432 611 856 1,059 1,196 1,154 1,216 1,068 1,270 1,033
Total Debt		 37 164 322 464 422 559 428 357 179 405 142
Total Long-Term Debt		 27 155 311 452 418 557 233 328 179 405 142
Net Debt		 -124 59 207 330 188 361 113 -26 -229 119 -188
Capital Expenditures (CapEx)		 2.75 2.44 4.33 7.95 19 21 18 14 17 41 84
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 37 164 322 464 422 559 428 357 179 405 142
Total Depreciation and Amortization (D&A)		 -2.86 2.05 1.75 10 14 13 8.90 14 21 25 31
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.55 $1.60 $1.11 $1.85 $2.06 $2.26 $0.00 $4.44 $4.06 $1.63 $0.55
Adjusted Weighted Average Basic Shares Outstanding		 17.96M 18.02M 18.08M 20.83M 26.70M 24.61M 0.00 25.17M 23.09M 23.33M 23.42M
Adjusted Diluted Earnings per Share		 $1.52 $1.57 $1.10 $1.81 $2.03 $2.25 $0.00 $4.35 $3.96 $1.61 $0.54
Adjusted Weighted Average Diluted Shares Outstanding		 17.96M 18.02M 18.08M 20.83M 26.70M 24.61M 0.00 25.17M 23.09M 23.33M 23.42M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 17.96M 18.02M 18.08M 20.83M 26.70M 24.61M 0.00 25.17M 23.09M 23.33M 23.42M
Normalized Net Operating Profit after Tax (NOPAT)		 20 29 21 36 52 59 64 113 102 41 16
Normalized NOPAT Margin		 18.81% 23.50% 15.53% 18.45% 20.68% 20.37% 18.55% 26.67% 21.11% 9.82% 3.87%
Pre Tax Income Margin		 28.67% 30.30% 25.14% 31.12% 26.60% 26.24% 24.55% 34.22% 28.27% 12.63% 4.92%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 4.46 4.63 2.76 2.84 1.85 1.37 2.27 7.87 7.31 0.97 0.28
NOPAT to Interest Expense		 2.92 3.59 1.71 1.68 1.44 1.06 1.71 6.13 5.46 0.76 0.22
EBIT Less CapEx to Interest Expense		 4.05 4.33 2.41 2.47 1.33 0.98 1.80 7.09 6.39 0.22 -0.89
NOPAT Less CapEx to Interest Expense		 2.52 3.29 1.35 1.31 0.92 0.67 1.24 5.35 4.54 0.01 -0.95
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 15.35% 2.68% 4.29% 2.14% 1.12% 0.00% 2.66% 2.84% 3.13% 7.80% 19.93%
Augmented Payout Ratio		 16.16% 3.85% 7.44% 3.15% 1.89% 110.21% 58.53% 3.94% 78.11% 206.49% 40.39%

Quarterly Metrics And Ratios for Triumph Financial

This table displays calculated financial ratios and metrics derived from Triumph Financial's official financial filings.

Metric Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025
Period end date 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -11.63% -6.11% -31.17% -5.59% -5.92% -3.23% 2.06% 1.39% -2.44% 0.53% 2.84%
EBITDA Growth		 -28.85% -51.65% -72.75% -11.58% -41.42% -33.95% -35.44% -38.82% -27.09% -29.71% 65.59%
EBIT Growth		 -40.98% -61.07% -82.91% -18.22% -49.51% -61.89% -63.88% -64.41% -54.15% -98.53% 121.09%
NOPAT Growth		 -34.08% -54.75% -82.69% -21.17% -45.18% -62.23% -64.09% -58.21% -60.13% -99.59% 60.90%
Net Income Growth		 -34.08% -54.75% -82.69% -21.17% -45.18% -62.23% -64.09% -58.21% -60.13% -99.59% 60.90%
EPS Growth		 -33.66% -53.76% -83.33% -17.74% -43.28% -67.44% -72.41% -62.75% -65.79% -121.43% 87.50%
Operating Cash Flow Growth		 -63.78% -97.99% 121.45% -81.78% 143.77% -1,144.40% 106.02% 135.92% -12.18% 72.43% -58.19%
Free Cash Flow Firm Growth		 575.27% -2,241.70% -206.72% 62.27% -216.34% 299.26% 79.43% -147.64% 225.43% -134.31% 366.46%
Invested Capital Growth		 -12.13% 19.12% 18.69% -4.88% 18.87% -30.25% 3.33% 3.55% -18.66% 15.02% -7.69%
Revenue Q/Q Growth		 1.71% -7.47% -1.38% 1.72% 1.35% -4.82% 4.01% 1.06% -2.48% -1.92% 6.39%
EBITDA Q/Q Growth		 23.76% -39.57% -6.67% 44.18% -18.01% -40.13% -8.78% 36.64% -2.28% -42.29% 114.89%
EBIT Q/Q Growth		 16.59% -50.33% -20.68% 78.03% -28.02% -62.51% -24.82% 75.42% -7.27% -98.80% 11,220.00%
NOPAT Q/Q Growth		 8.21% -37.30% -30.52% 67.24% -24.75% -56.81% -33.93% 94.65% -28.22% -99.56% 25,900.00%
Net Income Q/Q Growth		 8.21% -37.30% -30.52% 67.24% -24.75% -56.81% -33.93% 94.65% -28.22% -99.56% 25,900.00%
EPS Q/Q Growth		 8.06% -35.82% -32.56% 75.86% -25.49% -63.16% -42.86% 137.50% -31.58% -123.08% 600.00%
Operating Cash Flow Q/Q Growth		 -65.00% -90.67% 672.64% 13.32% 368.29% -125.47% 202.37% 29.77% 74.31% -108.00% 408.96%
Free Cash Flow Firm Q/Q Growth		 308.02% -240.21% 17.33% 134.31% -392.54% 340.13% -108.54% 20.54% 870.14% -165.68% 166.30%
Invested Capital Q/Q Growth		 -1.38% 41.33% -16.33% -18.42% 23.23% -17.07% 23.95% -18.25% -3.20% 17.26% -0.52%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 29.67% 17.03% 16.11% 22.84% 18.48% 11.62% 10.19% 13.78% 13.81% 8.13% 16.41%
EBIT Margin		 22.32% 11.98% 9.64% 16.87% 11.98% 4.72% 3.41% 5.92% 5.63% 0.07% 7.33%
Profit (Net Income) Margin		 15.56% 10.55% 7.43% 12.22% 9.07% 4.12% 2.61% 5.04% 3.71% 0.02% 4.09%
Tax Burden Percent		 69.73% 88.01% 77.09% 72.42% 75.71% 87.22% 76.65% 85.05% 65.83% 24.29% 55.78%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 30.27% 11.99% 22.91% 27.58% 24.29% 12.78% 23.35% 14.95% 34.17% 75.71% 44.22%
Return on Invested Capital (ROIC)		 6.60% 3.63% 2.75% 4.91% 3.24% 1.33% 0.85% 2.01% 1.34% 0.01% 1.37%
ROIC Less NNEP Spread (ROIC-NNEP)		 6.60% 3.63% 2.75% 4.91% 3.24% 1.33% 0.85% 2.01% 1.34% 0.01% 1.37%
Return on Net Nonoperating Assets (RNNOA)		 2.03% 2.25% 1.00% 1.05% 1.08% 0.68% 0.43% 0.42% 0.42% 0.00% 0.55%
Return on Equity (ROE)		 8.63% 5.88% 3.75% 5.96% 4.33% 2.01% 1.28% 2.43% 1.76% 0.01% 1.92%
Cash Return on Invested Capital (CROIC)		 21.87% -11.04% -12.58% 9.64% -13.73% 38.31% -0.99% -1.40% 21.97% -12.91% 9.09%
Operating Return on Assets (OROA)		 1.92% 0.98% 0.72% 1.28% 0.94% 0.35% 0.25% 0.43% 0.41% 0.00% 0.50%
Return on Assets (ROA)		 1.34% 0.86% 0.55% 0.92% 0.71% 0.30% 0.19% 0.37% 0.27% 0.00% 0.28%
Return on Common Equity (ROCE)		 8.19% 5.57% 3.55% 5.65% 4.10% 1.90% 1.21% 2.30% 1.67% 0.01% 1.82%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 10.76% 6.29% 5.76% 0.00% 3.92% 3.35% 2.47% 0.00% 1.34% 1.49%
Net Operating Profit after Tax (NOPAT)		 18 11 7.65 13 9.63 4.16 2.75 5.35 3.84 0.02 4.42
NOPAT Margin		 15.56% 10.55% 7.43% 12.22% 9.07% 4.12% 2.61% 5.04% 3.71% 0.02% 4.09%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 69.05% 70.98% 72.89% 67.84% 73.31% 75.66% 76.97% 73.44% 78.53% 81.08% 77.54%
Operating Expenses to Revenue		 76.90% 85.51% 87.80% 82.36% 82.24% 89.45% 92.64% 90.07% 90.07% 98.62% 93.32%
Earnings before Interest and Taxes (EBIT)		 25 13 9.92 18 13 4.77 3.58 6.29 5.83 0.07 7.92
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 33 18 17 24 20 12 11 15 14 8.25 18
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.42 1.71 1.80 1.87 2.28 2.23 2.30 2.21 2.51 1.59 1.49
Price to Tangible Book Value (P/TBV)		 2.07 2.60 2.70 2.77 3.46 3.40 3.51 3.35 3.87 2.45 3.11
Price to Revenue (P/Rev)		 2.47 2.81 3.29 3.55 4.47 4.45 4.57 4.44 5.11 3.25 3.08
Price to Earnings (P/E)		 12.07 15.63 28.82 32.92 49.31 59.55 73.03 99.52 164.97 154.83 123.91
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Earnings Yield		 8.28% 6.40% 3.47% 3.04% 2.03% 1.68% 1.37% 1.00% 0.61% 0.65% 0.81%
Enterprise Value to Invested Capital (EV/IC)		 0.95 1.09 1.17 1.35 1.60 1.57 1.44 1.50 1.92 1.00 1.12
Enterprise Value to Revenue (EV/Rev)		 2.09 3.45 3.42 3.28 4.86 3.99 4.52 3.81 4.77 2.91 3.21
Enterprise Value to EBITDA (EV/EBITDA)		 6.40 12.22 16.25 15.91 26.08 23.05 30.60 30.54 38.58 25.32 24.50
Enterprise Value to EBIT (EV/EBIT)		 7.39 14.06 21.33 21.38 38.46 36.74 48.61 58.32 96.85 76.91 66.92
Enterprise Value to NOPAT (EV/NOPAT)		 9.90 18.55 28.15 28.47 49.45 48.38 64.21 72.92 123.20 101.51 98.79
Enterprise Value to Operating Cash Flow (EV/OCF)		 12.54 67.67 21.30 48.19 33.82 34.28 54.39 34.06 33.85 18.28 25.10
Enterprise Value to Free Cash Flow (EV/FCFF)		 4.05 0.00 0.00 13.70 0.00 3.37 0.00 0.00 7.84 0.00 11.80
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.20 0.83 0.52 0.21 0.47 0.21 0.49 0.20 0.16 0.35 0.32
Long-Term Debt to Equity		 0.20 0.82 0.52 0.21 0.47 0.21 0.49 0.20 0.16 0.35 0.32
Financial Leverage		 0.31 0.62 0.36 0.21 0.33 0.51 0.50 0.21 0.31 0.28 0.40
Leverage Ratio		 6.46 6.83 6.80 6.46 6.09 6.59 6.70 6.60 6.44 6.71 6.87
Compound Leverage Factor		 6.46 6.83 6.80 6.46 6.09 6.59 6.70 6.60 6.44 6.71 6.87
Debt to Total Capital		 16.78% 45.21% 34.02% 17.47% 31.93% 17.16% 33.02% 16.99% 13.75% 26.19% 24.27%
Short-Term Debt to Total Capital		 0.03% 0.21% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 16.75% 45.00% 34.02% 17.47% 31.93% 17.16% 33.02% 16.99% 13.75% 26.19% 24.27%
Preferred Equity to Total Capital		 4.21% 2.98% 3.56% 4.37% 3.54% 4.27% 3.45% 4.22% 4.36% 3.72% 3.74%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 79.00% 51.81% 62.42% 78.16% 64.53% 78.57% 63.53% 78.79% 81.89% 70.09% 71.99%
Debt to EBITDA		 1.13 5.05 4.73 2.05 5.20 2.51 7.00 3.47 2.76 6.62 5.32
Net Debt to EBITDA		 -1.45 1.96 0.14 -1.80 1.52 -3.29 -1.13 -5.90 -3.66 -3.88 0.18
Long-Term Debt to EBITDA		 1.13 5.03 4.73 2.05 5.20 2.51 7.00 3.47 2.76 6.62 5.32
Debt to NOPAT		 1.75 7.67 8.19 3.67 9.87 5.28 14.70 8.29 8.83 26.55 21.47
Net Debt to NOPAT		 -2.24 2.98 0.23 -3.21 2.89 -6.90 -2.38 -14.08 -11.69 -15.54 0.74
Long-Term Debt to NOPAT		 1.75 7.63 8.19 3.67 9.87 5.28 14.70 8.29 8.83 26.55 21.47
Noncontrolling Interest Sharing Ratio		 5.15% 5.25% 5.27% 5.17% 5.13% 5.30% 5.27% 5.18% 5.13% 5.10% 5.04%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 165 -231 -191 66 -192 461 -39 -31 241 -158 105
Operating Cash Flow to CapEx		 199.51% 6.68% 315.26% 442.08% 201.99% -18.51% 1,577.99% 2,602.94% 124.54% 0.00% 48.47%
Free Cash Flow to Firm to Interest Expense		 29.69 -31.72 -13.62 4.05 -11.42 28.96 -2.06 -1.61 13.62 -8.84 5.11
Operating Cash Flow to Interest Expense		 3.11 0.14 0.57 0.55 2.51 -0.67 0.86 1.09 2.09 -0.17 0.45
Operating Cash Flow Less CapEx to Interest Expense		 1.55 -1.97 0.39 0.43 1.26 -4.32 0.80 1.05 0.41 -0.07 -0.47
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.09 0.08 0.07 0.08 0.08 0.07 0.07 0.07 0.07 0.07 0.07
Fixed Asset Turnover		 4.64 4.61 3.92 3.91 3.86 2.98 3.04 3.11 3.03 2.66 2.72
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 1,068 1,510 1,263 1,030 1,270 1,053 1,305 1,067 1,033 1,211 1,205
Invested Capital Turnover		 0.42 0.34 0.37 0.40 0.36 0.32 0.32 0.40 0.36 0.37 0.33
Increase / (Decrease) in Invested Capital		 -147 242 199 -53 202 -457 42 37 -237 158 -100
Enterprise Value (EV)		 1,012 1,650 1,476 1,395 2,031 1,656 1,883 1,595 1,982 1,213 1,346
Market Capitalization		 1,196 1,341 1,419 1,508 1,868 1,847 1,908 1,858 2,125 1,354 1,291
Book Value per Share		 $34.48 $33.88 $33.74 $34.60 $35.18 $35.46 $35.54 $35.99 $36.17 $36.25 $37.04
Tangible Book Value per Share		 $23.62 $22.36 $22.49 $23.43 $23.17 $23.29 $23.31 $23.77 $23.51 $23.58 $17.73
Total Capital		 1,068 1,510 1,263 1,030 1,270 1,053 1,305 1,067 1,033 1,211 1,205
Total Debt		 179 683 430 180 405 181 431 181 142 317 292
Total Long-Term Debt		 179 679 430 180 405 181 431 181 142 317 292
Net Debt		 -229 265 12 -158 119 -236 -70 -308 -188 -186 10
Capital Expenditures (CapEx)		 8.66 15 2.52 2.03 21 58 1.04 0.82 30 -1.66 19
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 179 683 430 180 405 181 431 181 142 317 292
Total Depreciation and Amortization (D&A)		 8.29 5.27 6.67 6.25 6.90 6.97 7.13 8.35 8.47 8.18 9.81
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.69 $0.44 $0.30 $0.52 $0.37 $0.14 $0.08 $0.19 $0.14 ($0.03) $0.15
Adjusted Weighted Average Basic Shares Outstanding		 23.09M 23.37M 23.28M 23.29M 23.33M 23.33M 23.36M 23.39M 23.42M 23.42M 23.73M
Adjusted Diluted Earnings per Share		 $0.67 $0.43 $0.29 $0.51 $0.38 $0.14 $0.08 $0.19 $0.13 ($0.03) $0.15
Adjusted Weighted Average Diluted Shares Outstanding		 23.09M 23.37M 23.28M 23.29M 23.33M 23.33M 23.36M 23.39M 23.42M 23.42M 23.73M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 23.09M 23.37M 23.28M 23.29M 23.33M 23.33M 23.36M 23.39M 23.42M 23.42M 23.73M
Normalized Net Operating Profit after Tax (NOPAT)		 18 11 7.65 13 9.63 4.16 2.75 5.35 3.84 0.05 4.42
Normalized NOPAT Margin		 15.56% 10.55% 7.43% 12.22% 9.07% 4.12% 2.61% 5.04% 3.71% 0.05% 4.09%
Pre Tax Income Margin		 22.32% 11.98% 9.64% 16.87% 11.98% 4.72% 3.41% 5.92% 5.63% 0.07% 7.33%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 4.53 1.72 0.71 1.09 0.76 0.30 0.19 0.32 0.33 0.00 0.39
NOPAT to Interest Expense		 3.16 1.51 0.55 0.79 0.57 0.26 0.14 0.28 0.22 0.00 0.22
EBIT Less CapEx to Interest Expense		 2.97 -0.39 0.53 0.96 -0.48 -3.34 0.13 0.28 -1.35 0.10 -0.53
NOPAT Less CapEx to Interest Expense		 1.60 -0.60 0.37 0.66 -0.67 -3.38 0.09 0.23 -1.46 0.09 -0.70
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 3.13% 3.60% 6.11% 6.54% 7.80% 9.37% 10.93% 14.65% 19.93% 26.83% 23.54%
Augmented Payout Ratio		 78.11% 175.06% 208.99% 223.61% 206.49% 22.57% 22.16% 29.70% 40.39% 54.77% 39.88%

Key Financial Trends

Triumph Financial (NASDAQ: TFIN) has demonstrated mixed financial performance trends across the last several years, reflecting evolving market conditions and company strategies.

Revenue and Profitability:

  • Net Interest Income has generally grown, reaching $88.7 million in Q2 2025, up from $87.9 million in Q2 2024, indicating solid core banking operations.
  • Total Revenue for Q2 2025 increased to $108.1 million from $105.1 million in Q2 2024, benefiting from growth in both interest and non-interest income.
  • Net Income improved significantly from $2.7 million in Q2 2024 to $4.4 million in Q2 2025, with continuing operations showing a positive trend.
  • Provision for Credit Losses remains a notable expense, fluctuating around $0.7 million in Q2 2025 versus $4.2 million in Q2 2024, indicating some volatility in credit risk management.

Expense Trends:

  • Salaries and employee benefits have increased, with $59.9 million reported in Q2 2025 compared to $56.0 million in Q2 2024, putting pressure on operating expenses.
  • Marketing and other operating expenses remain relatively stable, though marketing expense saw a moderate increase in recent quarters.
  • Amortization expenses have risen to $6.3 million in Q2 2025 from $4.2 million in Q2 2024, impacting non-interest expenses.

Cash Flow and Investment Activities:

  • Significant investment securities purchases continue, e.g., $455 million in Q2 2025, outweighing sales, suggesting aggressive investment activity that may affect liquidity.
  • Operating cash flow improved sharply, with $9.1 million positive cash flow from continuing operations in Q2 2025, compared to a negative $2.96 million in Q1 2025, showing operational improvement.
  • Financing activities provided $181.4 million in Q2 2025, bolstered by strong deposit inflows totaling approximately $209 million, supporting funding and liquidity.

Balance Sheet Highlights:

  • Total assets increased steadily to $6.5 billion in Q2 2025 from $5.8 billion in Q2 2024, primarily driven by growth in trading account securities and other assets.
  • Total liabilities also increased alongside assets, maintaining consistent equity levels around $912 million as of Q2 2025.
  • Goodwill and intangible assets rose notably, reflecting acquisitions or strategic investments, with goodwill increasing to ~$354 million in Q2 2025 from ~$234 million in Q2 2024.
  • Loans and leases reported at zero in the latest periods, indicating a different business model focus or classification for the company.

Key Observations:

  • Triumph Financial has shown resilience with increasing net income and improving operating cash flows in mid-2025, supporting shareholder value.
  • The company's shift or focus away from traditional loan assets towards investment securities is evident, which could alter risk and return profiles.
  • High levels of investment purchases and volatile changes in deposits pose potential liquidity management challenges.
  • Rising expenses, including amortization and salaries, require close monitoring to sustain profitability gains.

Overall, Triumph Financial appears to be managing growth in a complex macroeconomic environment by relying on investment income and deposit growth while grappling with elevated expenses and portfolio shifts. Investors should watch future quarterly results for continued earnings improvements and the company's strategy in balancing investment activities with operational efficiency.

08/08/25 04:29 PMAI Generated. May Contain Errors.

Frequently Asked Questions About Triumph Financial's Financials

When does Triumph Financial's fiscal year end?

According to the most recent income statement we have on file, Triumph Financial's financial year ends in December. Their financial year 2024 ended on December 31, 2024.

How has Triumph Financial's net income changed over the last 10 years?

Triumph Financial's net income appears to be on an upward trend, with a most recent value of $16.09 million in 2024, falling from $19.79 million in 2014. The previous period was $41.08 million in 2023. View Triumph Financial's forecast to see where analysts expect Triumph Financial to go next.

How has Triumph Financial's revenue changed over the last 10 years?

Over the last 10 years, Triumph Financial's total revenue changed from $105.23 million in 2014 to $415.87 million in 2024, a change of 295.2%.

How much debt does Triumph Financial have?

Triumph Financial's total liabilities were at $5.06 billion at the end of 2024, a 12.8% increase from 2023, and a 317.9% increase since 2014.

How much cash does Triumph Financial have?

In the past 10 years, Triumph Financial's cash and equivalents has ranged from $21.31 million in 2014 to $133.89 million in 2022, and is currently $73.84 million as of their latest financial filing in 2024.

How has Triumph Financial's book value per share changed over the last 10 years?

Over the last 10 years, Triumph Financial's book value per share changed from 12.68 in 2014 to 36.17 in 2024, a change of 185.3%.


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This page (NASDAQ:TFIN) was last updated on 8/8/2025 by MarketBeat.com Staff
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