Triumph Financial, Inc. (TFIN)Financial Services | Banks - Regional | Dallas, United States | NYSE
62.42 USD
-0.73
(-1.156%) ⇩
(Oct. 13, 2026, 4 p.m.
EDT)
|
Hot Take ↕ | Oct. 10, 2026, 9:08 a.m. EDT
Triumph Financial presents a classic value trap scenario where deteriorating fundamentals clash with a temporarily depressed valuation. While the company boasts impressive top-line growth and a massive earnings beat, the underlying business quality is eroding, evidenced by a collapse in Return on Equity to just 4% and a sharp contraction in Return on Assets. The market has rightly punished this stock with a 38% drop over the last year, yet the trailing P/E remains elevated at 42x, suggesting the discount hasn't fully priced in the structural weakness in profitability. Crucially, the company has suspended its dividend entirely, removing a key income floor for investors. On the short end, options data screams caution; the sheer volume of deep out-of-the-money puts suggests traders are bracing for further declines despite the recent earnings pop. With a beta of 1.53 amplifying sector volatility and no reliable cash return to shareholders, the risk-reward profile remains skewed toward the downside until the balance sheet efficiency metrics show a sustained recovery. |
| Model | MAE |
|---|---|
| AutoTheta ✓ | 0.084970 |
| MSTL | 0.085228 |
| AutoARIMA | 0.086497 |
| AutoETS | 0.086497 |
Forecast horizon: 45 days | Selected: AutoTheta
| Forecast Reliability | |
|---|---|
| Score | 38% |
| H-stat | 16.04 |
| Ljung-Box p | 0.000 |
| Jarque-Bera p | 0.127 |
| Excess Kurtosis | -1.43 |
| Attribute | Value |
|---|---|
| Sector | Financial Services |
| Revenue per Share | 19.104 |
| Market Cap | 1,491,496,832 |
| Trailing P/E | 42.18 |
| Forward P/E | 19.04 |
| Beta | 1.53 |
| Profit Margins | 8.50% |
| Previous Name | Triumph Bancorp, Inc. |
| Website | https://triumph.io |
As of Oct. 10, 2026, 9:08 a.m. EDT: Speculators are heavily positioned for downside protection with deep out-of-the-money puts dominating open interest across multiple expirations, particularly at strikes significantly below the current price. Call activity is sparse and concentrated near the money, while put volume far exceeds call volume in terms of both contracts traded and open interest, indicating a bearish sentiment focused on limiting losses rather than capturing upside.
| Attribute | Value |
|---|---|
| 52 Week Change | 0.30637157 |
| Address1 | 12,700 Park Central Drive |
| Address2 | Suite 1700 |
| All Time High | 136.015 |
| All Time Low | 11.93 |
| Ask | 0.0 |
| Ask Size | 200 |
| Audit Risk | 1 |
| Average Analyst Rating | 2.4 - Buy |
| Average Daily Volume10 Day | 245,430 |
| Average Daily Volume3 Month | 233,687 |
| Average Volume | 233,687 |
| Average Volume10Days | 245,430 |
| Beta | 1.527 |
| Bid | 0.0 |
| Bid Size | 100 |
| Board Risk | 2 |
| Book Value | 38.43 |
| City | Dallas |
| Compensation As Of Epoch Date | 1,767,139,200 |
| Compensation Risk | 10 |
| Country | United States |
| Crypto Tradeable | 0 |
| Currency | USD |
| Current Price | 62.42 |
| Custom Price Alert Confidence | HIGH |
| Date Short Interest | 1,790,726,400 |
| Day High | 64.0 |
| Day Low | 61.93 |
| Display Name | Triumph Financial |
| Dividend Yield | 0.0 |
| Earnings Call Timestamp End | 1,792,699,200 |
| Earnings Call Timestamp Start | 1,792,699,200 |
| Earnings Growth | 1.933 |
| Earnings Quarterly Growth | 1.572 |
| Earnings Timestamp | 1,792,612,800 |
| Earnings Timestamp End | 1,792,612,800 |
| Earnings Timestamp Start | 1,792,612,800 |
| Ebitda Margins | 0.0 |
| Enterprise To Revenue | 1.752 |
| Enterprise Value | 796,572,992 |
| Eps Current Year | 2.022 |
| Eps Forward | 3.278 |
| Eps Trailing Twelve Months | 1.48 |
| Esg Populated | 0 |
| Exchange | NYQ |
| Exchange Data Delayed By | 20 |
| Exchange Timezone Name | America/New_York |
| Exchange Timezone Short Name | EDT |
| Fifty Day Average | 68.7166 |
| Fifty Day Average Change | -6.2966003 |
| Fifty Day Average Change Percent | -0.091631435 |
| Fifty Two Week Change Percent | 30.637157 |
| Fifty Two Week High | 83.52 |
| Fifty Two Week High Change | -21.099998 |
| Fifty Two Week High Change Percent | -0.25263408 |
| Fifty Two Week Low | 46.65 |
| Fifty Two Week Low Change | 15.769997 |
| Fifty Two Week Low Change Percent | 0.33804923 |
| Fifty Two Week Range | 46.65 - 83.52 |
| Financial Currency | USD |
| First Trade Date Milliseconds | 1,415,370,600,000 |
| Float Shares | 21,287,643 |
| Forward Eps | 3.278 |
| Forward P E | 19.042097 |
| Full Exchange Name | NYSE |
| Full Time Employees | 1,441 |
| Fullday Change | -0.73000336 |
| Fullday Change Percent | -1.1559831 |
| Fullday Price | 63.007 |
| Gmt Off Set Milliseconds | -14,400,000 |
| Governance Epoch Date | 1,790,812,800 |
| Gross Margins | 0.0 |
| Gross Profits | 454,558,016 |
| Has Pre Post Market Data | 1 |
| Held Percent Insiders | 0.053340003 |
| Held Percent Institutions | 0.99652 |
| Implied Shares Outstanding | 23,894,537 |
| Industry | Banks - Regional |
| Industry Disp | Banks - Regional |
| Industry Key | banks-regional |
| Is Earnings Date Estimate | 0 |
| Language | en-US |
| Last Fiscal Year End | 1,767,139,200 |
| Long Business Summary | Triumph Financial, Inc., a financial holding company, provides banking, factoring, payments, and intelligence services in the United States. It offers deposit products, including checking, savings, money market, and certificates of deposit; and loan products, such as commercial real estate, commercial construction, land, and land development, residential real estate, agriculture, and consumer loans, as well as commercial and industrial loans, equipment loans, asset-based loans, business loans for working capital and operational purposes, and liquid credit loans. The company also provides electronic banking services, debit cards, insurance brokerage services, mortgage warehouse facilities, and transportation factoring services; payment, audit, and other banking services for the over the road trucking industry; and LoadPay product, a digital bank account developed for Carriers, as well as provides service and performance scoring and benchmarking to the over-the-road trucking industry. The company was formerly known as Triumph Bancorp, Inc. and changed its name to Triumph Financial, Inc. in December 2022. Triumph Financial, Inc. was incorporated in 2003 and is headquartered in Dallas, Texas. |
| Long Name | Triumph Financial, Inc. |
| Market | us_market |
| Market Cap | 1,491,496,832 |
| Market State | PRE |
| Max Age | 86,400 |
| Message Board Id | finmb_40313147 |
| Most Recent Quarter | 1,782,777,600 |
| Name Change Date | 2,026-10-14 |
| Net Income To Common | 35,441,000 |
| Next Fiscal Year End | 1,798,675,200 |
| Non Diluted Market Cap | 1,505,355,831 |
| Number Of Analyst Opinions | 5 |
| Open | 63.84 |
| Operating Cashflow | 112,105,000 |
| Operating Margins | 0.21277 |
| Overall Risk | 5 |
| Payout Ratio | 0.0 |
| Peg Ratio | 1.62 |
| Phone | 214 365 6900 |
| Pre Market Change | 0.5870018 |
| Pre Market Change Percent | 0.9404066 |
| Pre Market Price | 63.007 |
| Pre Market Time | 1,791,967,201 |
| Prev Name | Triumph Bancorp, Inc. |
| Previous Close | 63.15 |
| Price Eps Current Year | 30.870422 |
| Price Hint | 2 |
| Price To Book | 1.6242518 |
| Price To Sales Trailing12 Months | 3.2812023 |
| Profit Margins | 0.08502 |
| Quote Source Name | Delayed Quote |
| Quote Type | EQUITY |
| Recommendation Key | buy |
| Recommendation Mean | 2.4 |
| Region | US |
| Regular Market Change | -0.730003 |
| Regular Market Change Percent | -1.15598 |
| Regular Market Day High | 64.0 |
| Regular Market Day Low | 61.93 |
| Regular Market Day Range | 61.93 - 64.0 |
| Regular Market Open | 63.84 |
| Regular Market Previous Close | 63.15 |
| Regular Market Price | 62.42 |
| Regular Market Time | 1,791,921,603 |
| Regular Market Volume | 265,340 |
| Return On Assets | 0.00556 |
| Return On Equity | 0.04121 |
| Revenue Growth | 0.119 |
| Revenue Per Share | 19.104 |
| Sand P52 Week Change | 0.17502642 |
| Sector | Financial Services |
| Sector Disp | Financial Services |
| Sector Key | financial-services |
| Share Holder Rights Risk | 5 |
| Shares Outstanding | 23,894,537 |
| Shares Percent Shares Out | 0.0946 |
| Shares Short | 2,259,315 |
| Shares Short Previous Month Date | 1,788,134,400 |
| Shares Short Prior Month | 2,297,060 |
| Short Name | Triumph Financial, Inc. |
| Short Percent Of Float | 0.1167 |
| Short Ratio | 10.08 |
| Source Interval | 15 |
| State | TX |
| Symbol | TFIN |
| Target High Price | 84.0 |
| Target Low Price | 67.0 |
| Target Mean Price | 75.0 |
| Target Median Price | 75.0 |
| Total Cash | 896,811,008 |
| Total Cash Per Share | 37.532 |
| Total Debt | 156,887,008 |
| Total Revenue | 454,558,016 |
| Tradeable | 0 |
| Trailing Annual Dividend Rate | 0.0 |
| Trailing Annual Dividend Yield | 0.0 |
| Trailing Eps | 1.48 |
| Trailing P E | 42.175674 |
| Trailing Peg Ratio | None |
| Triggerable | 1 |
| Two Hundred Day Average | 67.47505 |
| Two Hundred Day Average Change | -5.0550537 |
| Two Hundred Day Average Change Percent | -0.074917376 |
| Type Disp | Equity |
| Volume | 265,340 |
| Website | https://triumph.io |
| Zip | 75,251 |