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.
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 |
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 |
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 |
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 |
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 |
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 |
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 |
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 shown varied financial performance across its recent quarters from Q2 2022 through Q2 2025. Below is a summary analysis of key financial trends focusing on net income, revenue components, expenses, cash flows, and balance sheet highlights.
- Net Income Growth: The consolidated net income increased significantly from $17.56 million in Q4 2022 to $4.42 million in Q2 2025, with a notable rebound after an earnings dip in early 2025.
- Improving Net Interest Income: Net interest income remained strong, totaling approximately $88.7 million in Q2 2025, supported by steady loans and leases interest income of $54.8 million and investment securities interest income of $50.2 million.
- Controlled Interest Expenses: Total interest expense in Q2 2025 was $20.5 million, relatively stable compared to prior quarters, helping maintain net interest margins.
- Operating Efficiency Efforts: Salaries and employee benefits expense increased to $59.9 million in Q2 2025, indicating investment in workforce to support growth, though non-interest expenses generally remain a high proportion of revenues.
- Strong Cash from Operations: In Q2 2025, net cash from operating activities was $9.1 million, indicating operational cash generation despite fluctuations in income.
- Investment Securities Activity: The company continues to actively purchase investment securities funded by sales and maturities, shown by a large net cash outflow in investing activities in Q2 2025 (-$411.2 million), reflecting a focus on managing investment portfolio size and composition.
- Balance Sheet Composition: Total assets increased to approximately $6.5 billion by Q2 2025, with a sizable amount in goodwill ($353.9 million) and other assets ($5.2 billion), indicating significant intangible assets and other holdings.
- Deposits Growth: Interest-bearing deposits grew notably to $2.9 billion by Q2 2025, which may indicate increased funding base though this also leads to increased interest expense.
- Fluctuating Earnings: Earnings per share fluctuated widely, from losses of -$0.03 in Q1 2025 to positive $0.15 in Q2 2025, reflecting volatility in profitability and challenges in maintaining consistent growth.
- Elevated Non-Interest Expenses: High non-interest expenses, including amortization and occupancy expenses totaling over $30 million quarterly, weigh on operating leverage.
Summary: Triumph Financial has exhibited steady growth in net interest income and overall revenues over the past three years, supported by an expanding deposit base and investment portfolios. However, the company faces challenges in controlling non-interest expenses and demonstrates some volatility in quarterly profitability. Capital expenditures and purchases of investment securities have led to negative investing cash flows, balanced by financing activity mostly through deposits and debt. Maintaining profitability momentum and operational efficiency should be key focuses going forward.
08/29/25 06:35 AM ETAI Generated. May Contain Errors.