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Triumph Financial (TFIN) Financials

Triumph Financial logo
$72.54 +1.28 (+1.80%)
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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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 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 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 28 20 35 51 59 62 110 99 38 13 22
Consolidated Net Income / (Loss)		 29 21 36 52 59 64 113 102 41 16 25
Net Income / (Loss) Continuing Operations		 29 21 36 52 59 64 113 102 41 16 25
Total Pre-Tax Income 		38 34 61 67 75 85 145 137 53 20 33
Total Revenue		 124 133 196 250 287 345 424 485 418 416 439
Net Interest Income / (Expense)		 91 112 156 227 256 285 369 400 368 350 351
Total Interest Income		 99 124 177 263 311 322 388 419 422 423 430
Loans and Leases Interest Income		 96 84 122 161 196 198 184 181 228 375 220
Investment Securities Interest Income		 2.56 40 54 99 112 123 203 232 181 24 196
Deposits and Money Market Investments Interest Income		 0.47 0.65 1.45 3.29 3.06 0.71 0.61 6.41 13 24 14
Total Interest Expense		 8.11 12 22 36 55 37 18 19 54 72 80
Deposits Interest Expense		 6.91 9.16 13 23 40 27 9.70 10 34 56 64
Long-Term Debt Interest Expense		 1.12 2.26 5.30 6.09 6.46 7.48 8.22 7.87 9.70 9.35 6.75
Other Interest Expense		 0.08 0.72 3.16 6.78 8.56 2.51 0.51 0.84 10 6.48 9.06
Total Non-Interest Income		 33 21 41 23 32 60 55 84 50 65 88
Other Service Charges		 16 7.45 8.39 5.55 9.71 26 18 24 4.48 15 9.07
Net Realized & Unrealized Capital Gains on Investments		 17 -1.48 20 0.29 0.41 15 2.76 21 0.27 0.21 15
Other Non-Interest Income		 - 15 12 17 21 19 34 39 45 50 64
Provision for Credit Losses		 4.53 6.69 12 16 7.94 38 -8.83 6.93 12 19 3.15
Total Non-Interest Expense		 82 93 124 167 204 222 288 341 353 377 403
Salaries and Employee Benefits		 50 55 73 90 113 127 174 201 211 220 234
Net Occupancy & Equipment Expense		 11 14 19 32 39 45 53 69 75 84 82
Marketing Expense		 2.06 2.72 3.23 4.97 6.13 4.72 5.30 14 13 12 13
Property & Liability Insurance Claims		 1.09 0.91 1.20 1.13 0.30 1.52 2.25 1.82 2.62 2.72 4.43
Other Operating Expenses		 14 17 23 32 36 36 42 39 37 41 48
Amortization Expense		 3.98 3.78 5.20 6.98 9.13 8.33 11 16 16 18 22
Income Tax Expense		 8.42 13 25 15 17 21 32 35 12 4.38 7.63
Preferred Stock Dividends Declared		 0.78 0.89 0.77 0.58 0.00 1.70 3.21 3.21 3.21 3.21 3.21
Basic Earnings per Share		 $1.60 $1.11 $1.85 $2.06 $2.26 $2.56 $4.44 $4.06 $1.63 $0.55 $0.94
Weighted Average Basic Shares Outstanding		 17.72M 17.86M 19.13M 26.70M 24.61M 24.88M 25.17M 23.09M 23.33M 23.42M 23.79M
Diluted Earnings per Share		 $1.57 $1.10 $1.81 $2.03 $2.25 $2.53 $4.35 $3.96 $1.61 $0.54 $0.93
Weighted Average Diluted Shares Outstanding		 17.72M 17.86M 19.13M 26.70M 24.61M 24.88M 25.17M 23.09M 23.33M 23.42M 23.79M
Weighted Average Basic & Diluted Shares Outstanding		 17.72M 17.86M 19.13M 26.70M 24.61M 24.88M 25.17M 23.09M 23.33M 23.42M 23.79M

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 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 12 8.83 3.36 1.95 4.55 3.04 -0.78 3.62 0.91 18 5.55
Consolidated Net Income / (Loss)		 13 9.63 4.16 2.75 5.35 3.84 0.02 4.42 1.71 19 6.36
Net Income / (Loss) Continuing Operations		 13 9.63 4.16 2.75 5.35 3.84 0.02 4.42 1.71 19 6.36
Total Pre-Tax Income 		18 13 4.77 3.58 6.29 5.83 0.07 7.92 1.28 24 8.15
Total Revenue		 105 106 101 105 106 104 102 108 109 120 106
Net Interest Income / (Expense)		 91 92 86 88 89 88 84 89 88 90 86
Total Interest Income		 108 109 102 107 108 105 102 109 109 110 103
Loans and Leases Interest Income		 60 59 54 95 53 12 54 55 56 55 48
Investment Securities Interest Income		 45 46 43 5.52 47 89 44 50 50 52 51
Deposits and Money Market Investments Interest Income		 3.10 3.51 4.90 6.33 7.71 5.30 4.44 4.18 2.99 2.61 4.27
Total Interest Expense		 16 17 16 19 19 18 18 21 21 20 17
Deposits Interest Expense		 12 12 12 16 14 15 14 16 18 17 14
Long-Term Debt Interest Expense		 2.48 2.47 2.41 2.39 2.40 2.15 1.68 1.70 1.71 1.67 1.62
Other Interest Expense		 1.25 2.57 1.35 1.19 2.94 1.00 1.81 3.32 1.87 2.05 0.99
Total Non-Interest Income		 13 14 15 17 17 16 17 19 21 30 20
Other Service Charges		 1.30 1.88 2.91 4.63 4.12 3.08 3.70 2.78 3.21 -1.47 2.11
Net Realized & Unrealized Capital Gains on Investments		 0.21 0.01 -0.19 0.12 0.25 -0.01 0.98 0.19 0.12 15 0.69
Other Non-Interest Income		 12 12 12 12 13 13 13 16 18 17 17
Provision for Credit Losses		 0.81 6.14 5.90 4.16 4.26 4.45 1.33 -0.70 4.28 -1.76 -0.61
Total Non-Interest Expense		 86 87 90 97 96 93 100 101 104 98 98
Salaries and Employee Benefits		 51 51 54 56 55 54 59 60 60 55 58
Net Occupancy & Equipment Expense		 18 19 20 23 21 20 21 20 20 20 20
Marketing Expense		 1.84 8.01 2.72 3.52 2.85 6.97 2.96 3.46 3.25 2.84 2.73
Property & Liability Insurance Claims		 0.68 0.66 0.65 0.64 0.68 0.74 0.73 0.89 1.47 1.34 1.06
Other Operating Expenses		 11 4.67 9.38 10 10 6.57 13 9.89 13 13 11
Amortization Expense		 3.87 4.15 3.90 4.23 5.08 4.63 4.39 6.27 5.82 5.91 5.82
Income Tax Expense		 4.87 3.09 0.61 0.84 0.94 1.99 0.05 3.50 -0.43 4.50 1.79
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		 $0.52 $0.37 $0.14 $0.08 $0.19 $0.14 ($0.03) $0.15 $0.04 $0.78 $0.23
Weighted Average Basic Shares Outstanding		 23.29M 23.33M 23.33M 23.36M 23.39M 23.42M 23.42M 23.73M 23.76M 23.79M 23.81M
Diluted Earnings per Share		 $0.51 $0.38 $0.14 $0.08 $0.19 $0.13 ($0.03) $0.15 $0.04 $0.77 $0.23
Weighted Average Diluted Shares Outstanding		 23.29M 23.33M 23.33M 23.36M 23.39M 23.42M 23.42M 23.73M 23.76M 23.79M 23.81M
Weighted Average Basic & Diluted Shares Outstanding		 23.29M 23.33M 23.33M 23.36M 23.39M 23.42M 23.42M 23.73M 23.76M 23.79M 23.81M

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 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 12/31/2025
Net Change in Cash & Equivalents		 -56 9.24 20 101 -37 117 69 25 -122 43 -82
Net Cash From Operating Activities		 25 31 47 74 72 97 137 81 60 59 67
Net Cash From Continuing Operating Activities		 25 31 47 74 72 97 137 81 60 59 67
Net Income / (Loss) Continuing Operations		 29 21 36 52 59 64 113 102 41 16 25
Consolidated Net Income / (Loss)		 29 21 36 52 59 64 113 102 41 16 25
Provision For Loan Losses		 4.53 6.69 12 16 7.94 38 -8.83 - 12 19 3.15
Depreciation Expense		 2.14 2.82 4.00 5.72 8.14 11 12 13 14 16 15
Amortization Expense		 -0.10 -1.07 6.35 8.49 4.37 -1.82 2.35 7.86 11 15 20
Non-Cash Adjustments to Reconcile Net Income		 -12 3.74 -17 -6.01 4.48 -37 13 -3.68 18 8.36 6.59
Changes in Operating Assets and Liabilities, net		 1.26 -1.90 6.38 -2.25 -11 23 5.64 -39 -37 -16 -2.81
Net Cash From Investing Activities		 -389 -274 -380 -268 -520 -775 78 666 -130 -590 -525
Net Cash From Continuing Investing Activities		 -389 -274 -380 -268 -520 -775 78 666 -130 -590 -525
Purchase of Property, Leasehold Improvements and Equipment		 -2.44 -4.33 -7.95 -19 -21 -18 -14 -17 -41 -84 -36
Purchase of Investment Securities		 -460 -389 -564 -550 -717 -1,200 -96 293 -186 -655 -727
Sale of Property, Leasehold Improvements and Equipment		 - - - - - - - - 0.00 0.04 87
Sale and/or Maturity of Investments		 72 120 189 226 222 429 191 386 105 149 151
Other Investing Activities, net		 1.09 - -7.26 0.98 -3.92 13 -3.40 3.89 -8.03 0.22 -0.20
Net Cash From Financing Activities		 308 252 352 295 411 794 -146 -722 -52 575 377
Net Cash From Continuing Financing Activities		 308 252 352 295 411 794 -146 -722 -52 575 377
Net Change in Deposits		 84 114 151 147 340 921 -70 -465 -194 843 129
Issuance of Debt		 100 49 0.00 0.00 138 -94 370 -150 225 -225 250
Repayment of Debt		 125 100 135 -36 0.00 -40 -441 -27 0.00 -40 0.00
Repurchase of Common Equity		 -0.34 -0.65 -0.37 -0.40 -65 -36 -1.24 -77 -82 -3.29 -2.23
Payment of Dividends		 -0.78 -0.89 -0.77 -0.58 0.00 -1.70 -3.21 -3.21 -3.21 -3.21 -3.21
Other Financing Activities, Net		 0.04 1.17 1.28 -7.01 -2.45 0.84 0.03 -0.29 1.64 2.60 2.81
Cash Interest Paid		 7.86 10 20 32 52 42 19 16 48 69 74
Cash Income Taxes Paid		 5.88 11 13 13 18 12 40 47 14 0.00 -0.05

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 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 -80 -51 130 84 -11 -159 173 -221 -135 101 333
Net Cash From Operating Activities		 8.99 42 -11 16 21 37 -3.62 9.14 24 36 5.06
Net Cash From Continuing Operating Activities		 8.99 42 -11 16 21 37 -3.62 9.14 24 36 5.06
Net Income / (Loss) Continuing Operations		 13 9.63 4.16 2.75 5.35 3.84 0.02 4.42 1.71 19 6.36
Consolidated Net Income / (Loss)		 13 9.63 4.16 2.75 5.35 3.84 0.02 4.42 1.71 19 6.36
Provision For Loan Losses		 0.81 - 5.90 - 4.26 4.45 1.33 -0.70 4.28 -1.76 -0.61
Depreciation Expense		 3.65 3.59 3.61 3.99 3.94 3.97 3.94 3.96 3.70 3.27 2.88
Amortization Expense		 2.61 3.31 3.36 3.13 4.41 4.51 4.24 5.86 4.62 5.20 5.86
Non-Cash Adjustments to Reconcile Net Income		 1.15 15 4.68 -3.78 0.63 0.97 4.71 3.49 0.68 -3.14 5.31
Changes in Operating Assets and Liabilities, net		 -12 17 -32 0.20 2.63 20 -18 -7.89 9.42 14 -15
Net Cash From Investing Activities		 -32 192 -108 -120 -98 -270 -155 -411 -29 70 -171
Net Cash From Continuing Investing Activities		 -32 192 -108 -120 -98 -270 -155 -411 -29 70 -171
Purchase of Property, Leasehold Improvements and Equipment		 -2.03 -21 -58 -1.04 -0.82 -30 -9.14 -19 -6.76 -12 -7.00
Purchase of Investment Securities		 -55 194 -76 -154 -137 -288 -216 -455 -44 -13 -199
Sale of Property, Leasehold Improvements and Equipment		 - - - - - - 11 - 0.00 75 1.05
Sale and/or Maturity of Investments		 14 23 17 45 33 55 57 52 22 20 24
Other Investing Activities, net		 10.00 -4.18 9.51 -9.28 6.93 -6.94 1.07 -0.35 -0.75 -0.16 9.89
Net Cash From Financing Activities		 -56 -285 249 187 65 74 331 181 -130 -5.73 500
Net Cash From Continuing Financing Activities		 -56 -285 249 187 65 74 331 181 -130 -5.73 500
Net Change in Deposits		 194 -510 473 -59 315 114 156 209 -231 -5.03 750
Issuance of Debt		 -250 225 -225 250 -250 - 175 -25 100 - -250
Repurchase of Common Equity		 - - -0.08 -3.21 - 0.00 -0.13 -2.10 - - -0.09
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
Other Financing Activities, Net		 0.83 0.20 1.24 - 1.37 -0.01 1.39 - 1.31 0.10 0.95
Cash Interest Paid		 12 17 16 18 19 16 17 20 19 17 20
Cash Income Taxes Paid		 0.04 0.12 0.13 0.51 0.17 -0.81 -0.05 1.69 0.19 -1.88 0.14

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 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 12/31/2025
Total Assets		 1,691 2,641 3,499 4,560 5,060 5,936 5,956 5,334 5,347 5,949 6,381
Cash and Due from Banks		 23 39 59 96 68 86 123 134 93 74 68
Interest Bearing Deposits at Other Banks		 82 76 75 139 130 229 260 274 194 256 181
Trading Account Securities		 163 304 264 350 263 236 188 260 307 386 369
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		 1.34 2,012 0.00 2.11 2.74 25 7.33 5.64 1.24 1.17 0.46
Premises and Equipment, Net		 22 45 63 83 97 103 106 103 113 161 91
Goodwill		 16 29 44 159 159 163 234 234 234 242 355
Intangible Assets		 12 18 20 41 32 27 43 32 46 54 94
Other Assets		 1,371 118 2,974 3,690 4,310 5,067 4,995 4,291 4,359 4,775 5,222
Total Liabilities & Shareholders' Equity		 1,691 2,641 3,499 4,560 5,060 5,936 5,956 5,334 5,347 5,949 6,381
Total Liabilities		 1,423 2,352 3,107 3,923 4,424 5,209 5,097 4,445 4,483 5,058 5,439
Non-Interest Bearing Deposits		 168 363 564 725 810 1,353 1,925 1,757 1,632 1,964 1,902
Interest Bearing Deposits		 1,081 1,652 2,057 2,726 2,980 3,364 2,721 2,415 2,345 2,856 3,049
Long-Term Debt		 155 311 452 418 557 233 328 179 405 142 393
Other Long-Term Liabilities		 10 14 22 50 75 65 94 94 100 95 96
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		 268 289 392 637 637 727 859 889 864 891 942
Total Preferred & Common Equity		 268 289 392 637 637 727 859 889 864 891 942
Preferred Stock		 9.75 9.75 9.66 - 0.00 45 45 45 45 45 45
Total Common Equity		 258 280 382 637 637 682 814 844 819 846 897
Common Stock		 194 197 265 470 474 489 511 535 551 568 598
Retained Earnings		 64 84 119 170 229 290 399 498 536 549 571
Treasury Stock		 -0.56 -1.37 -1.78 -2.29 -67 -103 -105 -183 -265 -268 -271
Accumulated Other Comprehensive Income / (Loss)		 0.28 -0.28 -0.60 -1.20 1.11 5.82 8.03 -6.90 -2.93 -3.12 -1.74

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 Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 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 9/30/2025 3/31/2026
Total Assets		 5,642 5,628 5,653 5,600 5,575 5,783 5,866 6,268 6,495 6,357 6,877
Cash and Due from Banks		 140 83 78 85 70 76 78 72 85 71 64
Interest Bearing Deposits at Other Banks		 282 335 339 253 347 424 411 431 198 77 518
Trading Account Securities		 247 322 308 297 325 347 408 416 397 384 344
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		 0.08 3.95 0.10 6.42 3.71 1.05 0.03 2.95 6.07 9.74 2.50
Premises and Equipment, Net		 104 116 115 113 163 160 156 150 149 141 89
Goodwill		 234 234 234 234 234 234 234 242 354 354 355
Intangible Assets		 35 32 29 26 50 52 52 55 98 97 94
Other Assets		 4,600 4,503 4,549 4,586 4,384 4,490 4,527 4,899 5,208 5,223 5,410
Total Liabilities & Shareholders' Equity		 5,642 5,628 5,653 5,600 5,575 5,783 5,866 6,268 6,495 6,357 6,877
Total Liabilities		 4,751 4,801 4,819 4,749 4,703 4,909 4,980 5,374 5,582 5,438 5,926
Non-Interest Bearing Deposits		 1,897 1,728 1,608 1,633 1,748 1,690 2,103 2,260 2,285 2,095 3,042
Interest Bearing Deposits		 2,544 2,311 2,685 2,854 2,703 2,702 2,604 2,717 2,901 2,860 2,658
Long-Term Debt		 179 679 430 180 181 431 181 317 292 393 143
Other Long-Term Liabilities		 118 79 96 82 71 86 92 80 104 90 83
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		 891 827 833 850 872 874 886 894 912 919 951
Total Preferred & Common Equity		 891 827 833 850 872 874 886 894 912 919 951
Preferred Stock		 45 45 45 45 45 45 45 45 45 45 45
Total Common Equity		 846 782 788 805 827 829 841 849 867 874 906
Common Stock		 530 540 543 548 556 559 565 572 589 594 602
Retained Earnings		 482 509 516 528 540 542 546 548 552 553 577
Treasury Stock		 -157 -260 -265 -265 -265 -268 -268 -269 -271 -271 -271
Accumulated Other Comprehensive Income / (Loss)		 -8.66 -5.52 -4.99 -4.61 -3.13 -3.40 -1.82 -3.42 -2.65 -1.92 -2.62

Annual Metrics And Ratios for Triumph Financial

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

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 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 12/31/2025
DEI Shares Outstanding		 - - - - - - - - - - 23,763,401.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - - 23,763,401.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - - 1.07
Growth Metrics		 - - - - - - - - - - -
Profitability Metrics		 - - - - - - - - - - -
Valuation Ratios		 - - - - - - - - - - -
Leverage & Solvency		 - - - - - - - - - - -
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Efficiency Ratios		 - - - - - - - - - - -
Capital & Investment Metrics		 - - - - - - - - - - -
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.60 $1.11 $1.85 $2.06 $2.26 $0.00 $4.44 $4.06 $1.63 $0.55 $0.94
Adjusted Weighted Average Basic Shares Outstanding		 18.02M 18.08M 20.83M 26.70M 24.61M 0.00 25.17M 23.09M 23.33M 23.42M 23.79M
Adjusted Diluted Earnings per Share		 $1.57 $1.10 $1.81 $2.03 $2.25 $0.00 $4.35 $3.96 $1.61 $0.54 $0.93
Adjusted Weighted Average Diluted Shares Outstanding		 18.02M 18.08M 20.83M 26.70M 24.61M 0.00 25.17M 23.09M 23.33M 23.42M 23.79M
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		 18.02M 18.08M 20.83M 26.70M 24.61M 0.00 25.17M 23.09M 23.33M 23.42M 23.79M
Debt Service Ratios		 - - - - - - - - - - -
Payout Ratios		 - - - - - - - - - - -

Quarterly Metrics And Ratios for Triumph Financial

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

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 - - - - - - - - - 23,763,401.00 23,793,965.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - 23,763,401.00 23,793,965.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - 0.81 0.27
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -5.59% -5.92% -3.23% 2.06% 1.39% -2.44% 0.53% 2.84% 2.91% - 4.16%
EBITDA Growth		 -11.58% -41.42% -33.95% -35.44% -38.82% -27.09% -29.71% 65.59% -34.41% - 104.67%
EBIT Growth		 -18.22% -49.51% -61.89% -63.88% -64.41% -54.15% -98.53% 121.09% -79.59% - 11,538.57%
NOPAT Growth		 -21.17% -45.18% -62.23% -64.09% -58.21% -60.13% -99.59% 60.90% -68.06% - 37,282.35%
Net Income Growth		 -21.17% -45.18% -62.23% -64.09% -58.21% -60.13% -99.59% 60.90% -68.06% - 37,282.35%
EPS Growth		 -17.74% -43.28% -67.44% -72.41% -62.75% -65.79% -121.43% 87.50% -78.95% - 866.67%
Operating Cash Flow Growth		 -81.78% 143.77% -1,144.40% 106.02% 135.92% -12.18% 72.43% -58.19% -8.25% - 239.72%
Free Cash Flow Firm Growth		 62.27% -216.34% 299.26% 79.43% -147.64% 225.43% -134.31% 366.46% -678.23% - 178.25%
Invested Capital Growth		 -4.88% 18.87% -30.25% 3.33% 3.55% -18.66% 15.02% -7.69% 22.96% - -9.69%
Revenue Q/Q Growth		 1.72% 1.35% -4.82% 4.01% 1.06% -2.48% -1.92% 6.39% 1.13% - -11.89%
EBITDA Q/Q Growth		 44.18% -18.01% -40.13% -8.78% 36.64% -2.28% -42.29% 114.89% -45.88% - -47.51%
EBIT Q/Q Growth		 78.03% -28.02% -62.51% -24.82% 75.42% -7.27% -98.80% 11,220.00% -83.81% - -65.64%
NOPAT Q/Q Growth		 67.24% -24.75% -56.81% -33.93% 94.65% -28.22% -99.56% 25,900.00% -61.36% - -66.93%
Net Income Q/Q Growth		 67.24% -24.75% -56.81% -33.93% 94.65% -28.22% -99.56% 25,900.00% -61.36% - -66.93%
EPS Q/Q Growth		 75.86% -25.49% -63.16% -42.86% 137.50% -31.58% -123.08% 600.00% -73.33% - -70.13%
Operating Cash Flow Q/Q Growth		 13.32% 368.29% -125.47% 202.37% 29.77% 74.31% -108.00% 408.96% 167.12% - -86.14%
Free Cash Flow Firm Q/Q Growth		 134.31% -392.54% 340.13% -108.54% 20.54% 870.14% -165.68% 166.30% -332.06% - 143.80%
Invested Capital Q/Q Growth		 -18.42% 23.23% -17.07% 23.95% -18.25% -3.20% 17.26% -0.52% 8.89% - -18.05%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 22.84% 18.48% 11.62% 10.19% 13.78% 13.81% 8.13% 16.41% 8.78% - 15.96%
EBIT Margin		 16.87% 11.98% 4.72% 3.41% 5.92% 5.63% 0.07% 7.33% 1.17% - 7.70%
Profit (Net Income) Margin		 12.22% 9.07% 4.12% 2.61% 5.04% 3.71% 0.02% 4.09% 1.56% - 6.01%
Tax Burden Percent		 72.42% 75.71% 87.22% 76.65% 85.05% 65.83% 24.29% 55.78% 133.13% - 78.00%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% - 100.00%
Effective Tax Rate		 27.58% 24.29% 12.78% 23.35% 14.95% 34.17% 75.71% 44.22% -33.13% - 22.00%
Return on Invested Capital (ROIC)		 4.91% 3.24% 1.33% 0.85% 2.01% 1.34% 0.01% 1.37% 0.56% - 2.31%
ROIC Less NNEP Spread (ROIC-NNEP)		 4.91% 3.24% 1.33% 0.85% 2.01% 1.34% 0.01% 1.37% 0.56% - 2.31%
Return on Net Nonoperating Assets (RNNOA)		 1.05% 1.08% 0.68% 0.43% 0.42% 0.42% 0.00% 0.55% 0.18% - 0.58%
Return on Equity (ROE)		 5.96% 4.33% 2.01% 1.28% 2.43% 1.76% 0.01% 1.92% 0.73% - 2.89%
Cash Return on Invested Capital (CROIC)		 9.64% -13.73% 38.31% -0.99% -1.40% 21.97% -12.91% 9.09% -19.75% - 12.93%
Operating Return on Assets (OROA)		 1.28% 0.94% 0.35% 0.25% 0.43% 0.41% 0.00% 0.50% 0.08% - 0.52%
Return on Assets (ROA)		 0.92% 0.71% 0.30% 0.19% 0.37% 0.27% 0.00% 0.28% 0.11% - 0.41%
Return on Common Equity (ROCE)		 5.65% 4.10% 1.90% 1.21% 2.30% 1.67% 0.01% 1.82% 0.70% - 2.75%
Return on Equity Simple (ROE_SIMPLE)		 5.76% 0.00% 3.92% 3.35% 2.47% 0.00% 1.34% 1.49% 1.09% - 3.33%
Net Operating Profit after Tax (NOPAT)		 13 9.63 4.16 2.75 5.35 3.84 0.02 4.42 1.71 - 6.36
NOPAT Margin		 12.22% 9.07% 4.12% 2.61% 5.04% 3.71% 0.02% 4.09% 1.56% - 6.01%
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%
SG&A Expenses to Revenue		 67.84% 73.31% 75.66% 76.97% 73.44% 78.53% 81.08% 77.54% 76.50% - 76.11%
Operating Expenses to Revenue		 82.36% 82.24% 89.45% 92.64% 90.07% 90.07% 98.62% 93.32% 94.91% - 92.87%
Earnings before Interest and Taxes (EBIT)		 18 13 4.77 3.58 6.29 5.83 0.07 7.92 1.28 - 8.15
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 24 20 12 11 15 14 8.25 18 9.60 - 17
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.87 2.28 2.23 2.30 2.21 2.51 1.59 1.49 1.36 - 1.57
Price to Tangible Book Value (P/TBV)		 2.77 3.46 3.40 3.51 3.35 3.87 2.45 3.11 2.81 - 3.11
Price to Revenue (P/Rev)		 3.55 4.47 4.45 4.57 4.44 5.11 3.25 3.08 2.81 - 3.20
Price to Earnings (P/E)		 32.92 49.31 59.55 73.03 99.52 164.97 154.83 123.91 175.25 - 49.82
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% - 0.00%
Earnings Yield		 3.04% 2.03% 1.68% 1.37% 1.00% 0.61% 0.65% 0.81% 0.57% - 2.01%
Enterprise Value to Invested Capital (EV/IC)		 1.35 1.60 1.57 1.44 1.50 1.92 1.00 1.12 1.13 - 0.94
Enterprise Value to Revenue (EV/Rev)		 3.28 4.86 3.99 4.52 3.81 4.77 2.91 3.21 3.50 - 2.31
Enterprise Value to EBITDA (EV/EBITDA)		 15.91 26.08 23.05 30.60 30.54 38.58 25.32 24.50 29.63 - 13.42
Enterprise Value to EBIT (EV/EBIT)		 21.38 38.46 36.74 48.61 58.32 96.85 76.91 66.92 97.84 - 24.98
Enterprise Value to NOPAT (EV/NOPAT)		 28.47 49.45 48.38 64.21 72.92 123.20 101.51 98.79 148.06 - 32.36
Enterprise Value to Operating Cash Flow (EV/OCF)		 48.19 33.82 34.28 54.39 34.06 33.85 18.28 25.10 28.74 - 13.54
Enterprise Value to Free Cash Flow (EV/FCFF)		 13.70 0.00 3.37 0.00 0.00 7.84 0.00 11.80 0.00 - 6.88
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.21 0.47 0.21 0.49 0.20 0.16 0.35 0.32 0.43 - 0.15
Long-Term Debt to Equity		 0.21 0.47 0.21 0.49 0.20 0.16 0.35 0.32 0.43 - 0.15
Financial Leverage		 0.21 0.33 0.51 0.50 0.21 0.31 0.28 0.40 0.32 - 0.25
Leverage Ratio		 6.46 6.09 6.59 6.70 6.60 6.44 6.71 6.87 6.77 - 7.13
Compound Leverage Factor		 6.46 6.09 6.59 6.70 6.60 6.44 6.71 6.87 6.77 - 7.13
Debt to Total Capital		 17.47% 31.93% 17.16% 33.02% 16.99% 13.75% 26.19% 24.27% 29.93% - 13.08%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% - 0.00%
Long-Term Debt to Total Capital		 17.47% 31.93% 17.16% 33.02% 16.99% 13.75% 26.19% 24.27% 29.93% - 13.08%
Preferred Equity to Total Capital		 4.37% 3.54% 4.27% 3.45% 4.22% 4.36% 3.72% 3.74% 3.43% - 4.11%
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%
Common Equity to Total Capital		 78.16% 64.53% 78.57% 63.53% 78.79% 81.89% 70.09% 71.99% 66.64% - 82.80%
Debt to EBITDA		 2.05 5.20 2.51 7.00 3.47 2.76 6.62 5.32 7.87 - 1.87
Net Debt to EBITDA		 -1.80 1.52 -3.29 -1.13 -5.90 -3.66 -3.88 0.18 4.92 - -5.74
Long-Term Debt to EBITDA		 2.05 5.20 2.51 7.00 3.47 2.76 6.62 5.32 7.87 - 1.87
Debt to NOPAT		 3.67 9.87 5.28 14.70 8.29 8.83 26.55 21.47 39.33 - 4.51
Net Debt to NOPAT		 -3.21 2.89 -6.90 -2.38 -14.08 -11.69 -15.54 0.74 24.59 - -13.85
Long-Term Debt to NOPAT		 3.67 9.87 5.28 14.70 8.29 8.83 26.55 21.47 39.33 - 4.51
Noncontrolling Interest Sharing Ratio		 5.17% 5.13% 5.30% 5.27% 5.18% 5.13% 5.10% 5.04% 4.99% - 4.88%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 66 -192 461 -39 -31 241 -158 105 -243 - 124
Operating Cash Flow to CapEx		 442.08% 201.99% -18.51% 1,577.99% 2,602.94% 124.54% 0.00% 48.47% 361.27% - 84.96%
Free Cash Flow to Firm to Interest Expense		 4.05 -11.42 28.96 -2.06 -1.61 13.62 -8.84 5.11 -11.52 - 7.43
Operating Cash Flow to Interest Expense		 0.55 2.51 -0.67 0.86 1.09 2.09 -0.17 0.45 1.16 - 0.30
Operating Cash Flow Less CapEx to Interest Expense		 0.43 1.26 -4.32 0.80 1.05 0.41 -0.07 -0.47 0.84 - -0.05
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.08 0.08 0.07 0.07 0.07 0.07 0.07 0.07 0.07 - 0.07
Fixed Asset Turnover		 3.91 3.86 2.98 3.04 3.11 3.03 2.66 2.72 2.84 - 3.70
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 1,030 1,270 1,053 1,305 1,067 1,033 1,211 1,205 1,312 - 1,094
Invested Capital Turnover		 0.40 0.36 0.32 0.32 0.40 0.36 0.37 0.33 0.36 - 0.38
Increase / (Decrease) in Invested Capital		 -53 202 -457 42 37 -237 158 -100 245 - -117
Enterprise Value (EV)		 1,395 2,031 1,656 1,883 1,595 1,982 1,213 1,346 1,478 - 1,026
Market Capitalization		 1,508 1,868 1,847 1,908 1,858 2,125 1,354 1,291 1,188 - 1,420
Book Value per Share		 $34.60 $35.18 $35.46 $35.54 $35.99 $36.17 $36.25 $37.04 $36.84 - $38.06
Tangible Book Value per Share		 $23.43 $23.17 $23.29 $23.31 $23.77 $23.51 $23.58 $17.73 $17.83 - $19.20
Total Capital		 1,030 1,270 1,053 1,305 1,067 1,033 1,211 1,205 1,312 - 1,094
Total Debt		 180 405 181 431 181 142 317 292 393 - 143
Total Long-Term Debt		 180 405 181 431 181 142 317 292 393 - 143
Net Debt		 -158 119 -236 -70 -308 -188 -186 10 245 - -439
Capital Expenditures (CapEx)		 2.03 21 58 1.04 0.82 30 -1.66 19 6.76 - 5.95
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 - 0.00
Net Nonoperating Obligations (NNO)		 180 405 181 431 181 142 317 292 393 - 143
Total Depreciation and Amortization (D&A)		 6.25 6.90 6.97 7.13 8.35 8.47 8.18 9.81 8.32 - 8.74
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.52 $0.37 $0.14 $0.08 $0.19 $0.14 ($0.03) $0.15 $0.04 $0.78 $0.23
Adjusted Weighted Average Basic Shares Outstanding		 23.29M 23.33M 23.33M 23.36M 23.39M 23.42M 23.42M 23.73M 23.76M 23.79M 23.81M
Adjusted Diluted Earnings per Share		 $0.51 $0.38 $0.14 $0.08 $0.19 $0.13 ($0.03) $0.15 $0.04 $0.77 $0.23
Adjusted Weighted Average Diluted Shares Outstanding		 23.29M 23.33M 23.33M 23.36M 23.39M 23.42M 23.42M 23.73M 23.76M 23.79M 23.81M
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		 23.29M 23.33M 23.33M 23.36M 23.39M 23.42M 23.42M 23.73M 23.76M 23.79M 23.81M
Normalized Net Operating Profit after Tax (NOPAT)		 13 9.63 4.16 2.75 5.35 3.84 0.05 4.42 0.90 - 6.36
Normalized NOPAT Margin		 12.22% 9.07% 4.12% 2.61% 5.04% 3.71% 0.05% 4.09% 0.82% - 6.01%
Pre Tax Income Margin		 16.87% 11.98% 4.72% 3.41% 5.92% 5.63% 0.07% 7.33% 1.17% - 7.70%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 1.09 0.76 0.30 0.19 0.32 0.33 0.00 0.39 0.06 - 0.49
NOPAT to Interest Expense		 0.79 0.57 0.26 0.14 0.28 0.22 0.00 0.22 0.08 - 0.38
EBIT Less CapEx to Interest Expense		 0.96 -0.48 -3.34 0.13 0.28 -1.35 0.10 -0.53 -0.26 - 0.13
NOPAT Less CapEx to Interest Expense		 0.66 -0.67 -3.38 0.09 0.23 -1.46 0.09 -0.70 -0.24 - 0.02
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 6.54% 7.80% 9.37% 10.93% 14.65% 19.93% 26.83% 23.54% 32.11% - 10.11%
Augmented Payout Ratio		 223.61% 206.49% 22.57% 22.16% 29.70% 40.39% 54.77% 39.88% 54.41% - 17.03%

Financials Breakdown Chart

Key Financial Trends

Triumph Financial (NYSE: TFIN) showed a noticeable rebound in profitability in the first quarter of 2026, but the multi-year picture remains mixed. Revenue was solid, deposit growth was strong, and cash generation improved versus the prior quarter, yet the company is still carrying a very large balance sheet with substantial goodwill and other assets, and earnings remain volatile from quarter to quarter.

In Q1 2026, Triumph Financial generated $105.8 million in revenue and $6.4 million in net income, or $0.23 EPS. That was a sharp improvement from Q1 2025, when the company barely broke even and posted a loss available to common shareholders. The improvement was driven by stronger net interest income and much better non-interest income, while expenses remained fairly high but more manageable than in some prior quarters.

From a balance sheet standpoint, the company ended Q1 2026 with $6.88 billion in assets and $950.7 million in total equity. Deposits remain the dominant funding source, and the company continues to hold a large amount of cash, securities, and other bank deposits. That said, intangible-heavy assets still make up a meaningful part of the balance sheet, which is worth watching for investors focused on capital quality.

Cash flow was a bright spot in Q1 2026. Operating cash flow was $5.1 million, and the company generated $333.5 million of net change in cash and equivalents, helped by strong financing inflows and deposit growth. Compared with Q1 2025, this is a clear improvement in liquidity and short-term financial flexibility.

Key trends over the last several years:

  • Profitability improved in Q1 2026 versus Q1 2025, with net income rising to $6.4 million from near-breakeven/weak results a year ago.
  • Net interest income remained resilient, increasing to $86.1 million in Q1 2026 from $84.4 million in Q1 2025.
  • Non-interest income strengthened to $19.7 million in Q1 2026, up from $17.2 million in Q1 2025.
  • Operating cash flow turned positive and improved, reaching $5.1 million in Q1 2026 versus negative operating cash flow in Q1 2025.
  • Deposits grew meaningfully year over year, with total deposits rising from about $5.62 billion in Q1 2025 to about $5.70 billion in Q1 2026.
  • Common equity increased to $905.7 million in Q1 2026 from $848.9 million in Q1 2025, supporting a stronger capital base.
  • Quarterly earnings remain volatile, with results swinging from $0.04 EPS in Q3 2025 to $0.78 in Q4 2025 and $0.23 in Q1 2026.
  • The company holds a large securities and liquidity position, which can help funding flexibility but also adds sensitivity to interest rate and market conditions.
  • Non-interest expense remains elevated at $98.3 million in Q1 2026, which continues to limit margin expansion.
  • Balance sheet quality deserves scrutiny, with $5.41 billion in other assets plus goodwill and intangibles representing a large share of total assets.

Looking at the broader trend, Triumph Financial appears to be recovering from a difficult stretch in 2025, when profitability weakened sharply in Q1 and Q3 before bouncing in Q4. The bank is not showing the kind of smooth, steadily rising earnings profile that long-term investors usually prefer, but the latest quarter suggests the business can still produce reasonable profitability when revenue trends and funding conditions line up favorably.

Bottom line: TFIN’s latest quarter was encouraging, especially on earnings and cash flow, but the stock still carries a mixed profile. Investors should watch whether the company can keep deposit growth, revenue, and operating leverage moving in the right direction while preventing expenses and asset-heavy balance sheet items from eroding returns.

06/09/26 10:50 AM ETAI Generated. May Contain Errors.

Triumph Financial Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Triumph Financial's financial year ends in December. Their financial year 2025 ended on December 31, 2025.

Triumph Financial's net income appears to be on an upward trend, with a most recent value of $25.36 million in 2025, falling from $29.13 million in 2015. The previous period was $16.09 million in 2024. Find out what analysts predict for Triumph Financial in the coming months.

Over the last 10 years, Triumph Financial's total revenue changed from $123.95 million in 2015 to $439 million in 2025, a change of 254.2%.

Triumph Financial's total liabilities were at $5.44 billion at the end of 2025, a 7.5% increase from 2024, and a 282.1% increase since 2015.

In the past 10 years, Triumph Financial's cash and equivalents has ranged from $23.45 million in 2015 to $133.89 million in 2022, and is currently $67.54 million as of their latest financial filing in 2025.


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Financial statements for NYSE:TFIN last updated on 4/24/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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