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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 |
| Operating Revenue | - | 484.20 | 417.46 | 415.54 | 423.83 |
| Selling General And Administration | - | 211.06 | 219.97 | 228.48 | 245.50 |
| Interest Income | - | 419.24 | 422.42 | 422.52 | 430.47 |
| Interest Expense | - | 18.75 | 54.34 | 72.06 | 79.88 |
| Net Interest Income | - | 400.49 | 368.08 | 350.46 | 350.59 |
| Pretax Income | - | 137 | 52.82 | 20.47 | 32.99 |
| Tax Provision | - | 34.69 | 11.73 | 4.38 | 7.63 |
| Tax Rate For Calcs | - | 0 | 0 | 0 | 0 |
| Tax Effect Of Unusual Items | - | 0 | 0.01 | 0.01 | 3.44 |
| Net Income Continuous Operations | - | 102.31 | 41.08 | 16.09 | 25.36 |
| Net Income From Continuing And Discontinued Operation | - | 102.31 | 41.08 | 16.09 | 25.36 |
| Net Income From Continuing Operation Net Minority Interest | - | 102.31 | 41.08 | 16.09 | 25.36 |
| Net Income | - | 102.31 | 41.08 | 16.09 | 25.36 |
| Net Income Common Stockholders | - | 99.10 | 37.88 | 12.88 | 22.15 |
| Net Income Including Noncontrolling Interests | - | 102.31 | 41.08 | 16.09 | 25.36 |
| Normalized Income | - | 102.31 | 41.04 | 16.07 | 13.91 |
| Diluted NI Availto Com Stockholders | - | 99.10 | 37.88 | 12.88 | 22.15 |
| Basic Average Shares | - | 24.39 | 23.21 | 23.29 | 23.62 |
| Diluted Average Shares | - | 25.02 | 23.21 | 23.78 | 23.85 |
| Reconciled Depreciation | - | 29.29 | 29.71 | 33.35 | 37.26 |
| Total Unusual Items | - | -0.13 | 0.05 | 0.03 | 14.89 |
| Total Unusual Items Excluding Goodwill | - | -0.13 | 0.05 | 0.03 | 14.89 |
| Preferred Stock Dividends | - | 3.21 | 3.21 | 3.21 | 3.21 |
| Special Income Charges | - | 0 | 0.05 | 0.03 | 14.89 |
| Gain On Sale Of Business | 0 | 0 | - | - | - |
| Other Special Charges | - | - | -0.05 | -0.03 | -14.89 |
| Gain On Sale Of Security | - | 2.15 | -0.64 | -0.30 | -0.28 |
| Depreciation Amortization Depletion Income Statement | - | 15.98 | 15.91 | 17.84 | 22.39 |
| Depreciation And Amortization In Income Statement | - | 15.98 | 15.91 | 17.84 | 22.39 |
| General And Administrative Expense | - | 203.30 | 213.23 | 222.30 | 238.30 |
| Other Gand A | 26.86 | - | - | - | - |
| Salaries And Wages | - | 201.49 | 210.61 | 219.58 | 233.88 |
| Insurance And Claims | - | 1.82 | 2.62 | 2.72 | 4.43 |
| Selling And Marketing Expense | - | 7.76 | 6.74 | 6.18 | 7.20 |
| Amortization | - | 15.98 | 15.91 | 17.84 | 22.39 |
| Amortization Of Intangibles Income Statement | - | 15.98 | 15.91 | 17.84 | 22.39 |
| Occupancy And Equipment | - | 26.77 | 28.88 | 33.01 | 31.87 |
| Professional Expense And Contract Services Expense | - | 15.64 | 13.18 | 17.84 | 15.26 |
| Other Non Interest Expense | - | 71.17 | 75.29 | 79.46 | 87.84 |
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 | $1.7B | 66.83↑ premium | 1.89 | 2.8% | - |
| Live Oak Bancshares, Inc. | LOB | $1.7B | 16.42 | 1.51 | 9.2% | - |
| Encore Capital Group, Inc. | ECPG | $1.7B | 6.73 | 1.77 | 26.3% | 8.63 |
| Pathward Financial, Inc. | CASH | $1.7B | 9.01 | 1.94 | 21.6% | - |
| Dime Community Bancshares, Inc. | DCOM |
| - |
| - |
| - |
| - |
| - |
| $1.7B |
| 14.97 |
| 1.22 |
| 8.1% |
| - |
| Republic Bancorp, Inc. | RBCAA | $1.7B | 12.58 | 1.50 | 11.9% | - |
| FirstSun Capital Bancorp | FSUN | $1.6B | 16.83 | 1.43 | 8.5% | - |
| German American Bancorp, Inc. | GABC | $1.6B | 14.58 | 1.41 | 9.7% | - |
| S&T Bancorp, Inc. | STBA | $1.6B | 12.15 | 1.11 | 9.2% | - |
| Peer Median | - | 13.58 | 1.46 | 9.4% | 8.63 | |