Triumph Financial (TFINP) Financials

$21.95 -0.39 (-1.75%)

Closing price 09/3/2025

Extended Trading

$21.95 0.00 (0.00%)

As of 09/3/2025 04:04 PM Eastern

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

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

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

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

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

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

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%

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, Inc. (NASDAQ: TFIN) displayed several notable financial trends over the last four years, with data analyzed through Q2 2025. The company, primarily a financial institution, exhibits strong net interest income and consistent profitability, alongside active management of deposits, investments, and capital expenditures.

Positive Developments:

Net income has shown a robust recovery and growth, with Q2 2025 net income continuing operations at $4.42 million, up significantly from minimal earnings in earlier 2025 quarters and maintaining positive momentum over prior years.
Net interest income remains strong and fairly stable, reaching about $88.68 million in Q2 2025, reflecting the company’s ability to generate revenue from its core lending and investment activities.
Operating cash flow has improved markedly, posting $9.14 million in Q2 2025 compared to negative cash flow in Q1 2025, indicating better cash generation from operations.
Total revenue increased steadily over multiple periods, with a mix of interest and non-interest income supporting growth; non-interest income was $19.38 million in Q2 2025, up from Q1 and prior years.
The company continues to invest strategically in property, equipment, and securities, with capital expenditures supporting operational infrastructure.
Triumph increased deposits significantly, with net change in deposits $209.35 million in Q2 2025, providing strong funding support.
Maintained dividend payments and slight repurchases of common equity, reflecting confidence in financial position and commitment to returning value to shareholders.

Neutral Factors:

Loan portfolio data shows $0 in net loans and leases, suggesting the company may focus more on investment securities and deposit products rather than traditional lending.
Goodwill and intangible assets remain substantial on the balance sheet ($354 million and $98 million, respectively), indicative of acquisitions but requiring monitoring for potential impairment.
Total assets grew from $5.6 billion in early 2023 to about $6.5 billion in mid-2025, showing expansion though the asset mix slightly shifted towards investments and other assets.

Areas of Concern / Negative Trends:

Q2 2025 investment securities purchase was very high ($455 million), with significant net cash outflow from investing activities (-$411 million), which might pressure liquidity if not managed carefully.
Provision for credit losses shows variability and remains a cost, with $702,000 in Q2 2025, highlighting ongoing credit risk considerations even if modest.
Non-interest expense levels are consistently high, around $101 million in Q2 2025, primarily from salaries, benefits, depreciation, and amortization, impacting net income margins.
Long-term debt showed some fluctuation, with repayments occurring but remaining elevated at $292 million in Q2 2025, which coupled with interest expenses could affect financial leverage and interest coverage.
Net change in cash and equivalents was negative $220 million in Q2 2025, driven largely by large investing outflows, which may affect short-term liquidity.

Summary:

Triumph Bancorp has demonstrated resilience with improving net income and operational cash flow, supported by strong net interest income and deposit growth. However, significant investments in securities and high operating expenses weigh on liquidity and margins. The absence of traditional loans on the balance sheet suggests a focus on investment and trading securities, potentially reducing credit risk but exposing the company to market risk. Investors should monitor liquidity management, expense control, and the company's strategy regarding its asset mix and capital deployment going forward.

09/13/25 12:54 PM ETAI Generated. May Contain Errors.

Financials Breakdown Chart

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.

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:TFINP) was last updated on 9/13/2025 by MarketBeat.com Staff

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Triumph Financial (TFINP) Financials

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Triumph Financial (TFINP) Financials

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