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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.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
Year-by-year revenue, profitability, and cash flow (USD millions, last 10 years)
| Year | Revenue | EBITDA | Net Profit | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|
| 2025 | $424M | - | $25M | $31M | 2.8% | 2.0% | 57.6% |
| 2024 | $416M | - | $16M | $-29M | 1.9% | -0.5% | -60.8% |
| 2023 | $417M | - | $41M | $16M | 5.0% | -13.8% | -59.8% |
| 2022 | $484M | - | $102M | $64M | 12.1% | - | - |
| 2021 | - | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Total Revenue | - | 484.20 | 417.46 | 415.54 | 423.83 |
| Pretax Income | - | 137 | 52.82 | 20.47 | 32.99 |
| Tax Provision | - | 34.69 | 11.73 | 4.38 | 7.63 |
| Net Income | - | 102.31 | 41.08 | 16.09 | 25.36 |
| Net Income Common Stockholders | - | 99.10 | 37.88 | 12.88 | 22.15 |
| Interest Expense | - | 18.75 | 54.34 | 72.06 | 79.88 |
| Interest Income | - | 419.24 | 422.42 | 422.52 | 430.47 |
| Selling General And Administration | - | 211.06 | 219.97 | 228.48 | 245.50 |
| Normalized Income | - | 102.31 | 41.04 | 16.07 | 13.91 |
| Market Cap | 1,608.35 | 1,608.35 | 1,608.35 | 1,608.35 | 1,608.35 |
Financial Services sector peers, ranked by market cap
| Company | Ticker | Market Cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|---|
| Triumph Financial, Inc.this co. | TFIN | $1.8B | 63.42↑ premium | 1.79 | 2.8% | - |
| LendingClub Corporation | LC | $1.9B | 11.03 | 1.27 | 9.0% | 3.75 |
| Federal Agricultural Mortgage Corporation | AGM | $1.9B | 10.38 | 1.55 | 12.1% | - |
| EZCORP, Inc. | EZPW | $1.8B | 17.93 | 1.92 | 10.7% | 11.17 |
| Fidelis Insurance Holdings Limited | FIHL |
| - |
| - |
| - |
| - |
| - |
| $1.8B |
| 9.90 |
| 0.84 |
| 9.4% |
| - |
| Northwest Bancshares, Inc. | NWBI | $1.8B | 15.41 | 1.03 | 6.7% | - |
| Walker & Dunlop, Inc. | WD | $1.8B | 31.36 | 1.02 | 3.2% | 11.37 |
| Live Oak Bancshares, Inc. | LOB | $1.7B | 14.44 | 1.51 | 8.4% | - |
| 1st Source Corporation | SRCE | $1.7B | 11.13 | 1.39 | - | - |
| Peer Median | - | 12.79 | 1.33 | 9.0% | 11.17 | |