TFIN · Triumph Financial, Inc.
$60.72
-1.25 (-2.02%)
At close · Oct 7
Return incl. dividend (before tax)
Market Cap
$1.47B
Shares
23.89M
Volume · Oct 7
10.86K
Avg daily vol (3M)
242.07K
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$61.97
Open$62.25
Day$61.75–63.23
52W close$46.95–81.08
Avg vol 30d224K
Short int2.4M · 10.2% float · 11.6d
Short vol65%
Last earningsJul 22, 2026
DataJan 2020–Oct 2026
Filing10-Q · Jul 21
Up next
Next earnings call
Oct 21, 2026
Est · unconfirmed
· in 2 wks
filed Jul 21, 2026
call held Jul 22, 2026
Metrics snapshot
Useful current figures from the complete screener profile.
Revenue (TTM)
$455.41M
Trailing 12 months
Net income (TTM)
$38.65M
Trailing 12 months
Revenue growth YoY
+11.3%
Year over year
Operating margin
—
Trailing 12 months
P / E (TTM)
41.6
Trailing earnings · reciprocal yield 2.4%
FCF yield
—
TTM · current market cap
Return on invested capital
—
Trailing 12 months
Net cash
—
Latest balance sheet
Dividend yield
—
Trailing 12 months
Shares change YoY
+1.6%
Year over year · more shares
Price change (1Y)
+25.9%
Trailing year
Short interest
10.2%
Latest settlement · 11.6 days to cover
Equibles Rating
blended score · not investment adviceOverall
Neutral
SellHoldBuy
Technical
Neutral
Momentum
Weak
Sentiment
Bearish
Fundamentals
Strong
Quant / Vol
Moderate
Market backdrop
VIX 15 · calm
Equity put/call 0.57
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
−8%
below
Price vs 50-day avg
−11%
below
RSI (14)
36
neutral
MACD trend
Positive
52-week position
44%
mid-range
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
−10%
trailing
6-month return
−1%
trailing
YTD return
−1%
this year
Relative strength
−12%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $70 › 200d $67 — 50d above 200d
Institutional flow
Distributing
3 of 233 funds reported for Sep 30 · net -6.2K sh shares
Insider flow
Distributing
Net -$296.4K over 90 days · 100% sells
Short interest
Rising
10.21% of float · ▲ +6.2% MoM · 11.6 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
233 holders — near 3-yr high, broad support
Squeeze score
65
elevated · 0–100
Fundamentals
Revenue growth
−47%
Y/Y
EPS growth
+72%
Y/Y
Free cash flow
$64.3M
Valuation
P/E 41.5
rich
Buyback
$30.0M
authorized
Balance sheet
$356.0M
net cash
Quant / Vol
risk profile
Volatility
41%
annualized · 1-yr
Max drawdown
−26%
past year
ATR
2.9%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Latest guidance
· from the 8-K filed Jul 21, 2026
4Q26 annualized
Earnings exit rate
Initiated
$2.00
prior qtr $0.44
midpoint +354.5% QoQ
3Q
Core expenses
Non-GAAP
$99M
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Neutral
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
−8%
Bearish
Price vs 50-day avg
−11%
Bearish
RSI (14)
36
Neutral
MACD trend
Positive
Bullish
52-week position
44%
Neutral
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Bearish · 3 of 6
Trend (MA cross)
No cross
50d $70 › 200d $67 — 50d above 200d
Institutional flow
Distributing
3 of 233 funds reported for Sep 30 · net -6.2K sh shares
Insider flow
Distributing
Net -$296.4K over 90 days · 100% sells
Short interest
Rising
10.21% of float · ▲ +6.2% MoM · 11.6 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
233 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $47
Now $62 · 44%
Range high $81
vs 200-day avg -8%
vs 50-day avg -11%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Accounts receivable purchased | $4,117,210,000 | Three Months Ended June 30, 2026 filing | — |
| Amount of payments processed | $13,492,237,000 | Three Months Ended June 30, 2026 filing | — |
| Average full-time equivalent employees | 1,440.3 | Three Months Ended June 30, 2026 filing | — |
| Average invoice size | $2,201 | Three Months Ended June 30, 2026 filing | — |
| Average invoice size - non-transportation | $6,278 | Three Months Ended June 30, 2026 filing | — |
| Average invoice size - transportation | $2,160 | Three Months Ended June 30, 2026 filing | — |
| Average net funds employed | $1,504,189,000 | Three Months Ended June 30, 2026 filing | — |
| Current quarter charge-off rate | 0.02% | Three Months Ended June 30, 2026 filing | — |
| EBITDA margin non-GAAP | 25.7% | Three Months Ended June 30, 2026 filing | — |
| Factoring revenue | $52.99M | Three Months Ended June 30, 2026 filing | — |
| Factoring revenue excluding intersegment noninterest income | $52.08M | Three Months Ended June 30, 2026 filing | — |
| Gross Margin non-GAAP | 85% | Three Months Ended June 30, 2026 filing | — |
| Intelligence revenue | $2.39M | Three Months Ended June 30, 2026 filing | — |
| Net interest margin | 6.15% | Three Months Ended June 30, 2026 filing | — |
| Network invoice volume | 1,045,637 | Three Months Ended June 30, 2026 filing | — |
| Network payment volume | $2,277,297,000 | Three Months Ended June 30, 2026 filing | — |
| Number of invoices processed | 9,086,400 | Three Months Ended June 30, 2026 filing | — |
| Number of invoices purchased | 1,870,938 | Three Months Ended June 30, 2026 filing | — |
| Operating margin non-GAAP | 39.39% | Three Months Ended June 30, 2026 filing | — |
| Payments EBITDA excluding LoadPay non-GAAP | $7,351,000 | Three Months Ended June 30, 2026 filing | — |
| Payments EBITDA Margin excluding LoadPay non-GAAP | 34% | Three Months Ended June 30, 2026 filing | — |
| Payments revenue | $22.3M | Three Months Ended June 30, 2026 filing | — |
| Payments revenue excluding intersegment noninterest income | $22.03M | Three Months Ended June 30, 2026 filing | — |
| Return on average assets | 0.63% | Three Months Ended June 30, 2026 filing | — |
| Return on average common equity | 4.59% | Three Months Ended June 30, 2026 filing | — |
| Return on average total equity | 4.71% | Three Months Ended June 30, 2026 filing | — |
| Transportation revenue | $76.5M | Three Months Ended June 30, 2026 filing | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
TFIN
this stock
Triumph Financial, Inc.
|
$1.47B | -1.1% | -46.7% | 41.5 | 10.2% |
|
MFG
Mizuho Financial Group Inc
|
$133.98B | +52.3% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.26B | -38.6% | -3.2% | — | 0.7% |
|
CIXPF
CaixaBank/ADR
|
$103.83B | +13.8% | — | — | 0.1% |
|
IBN
Icici Bank Ltd
|
$100.21B | -6.0% | — | — | 0.6% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Filings
Earnings & Events
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| TFIN | +3.1% | -10.0% | -0.7% | +3.3% | -1.1% |
| SPY | +2.0% | +1.7% | +11.3% | +2.2% | +14.3% |
| vs SPY | +1.1% | -11.7% | -12.0% | +1.1% | -15.3% |
Capital returns
Buyback program
· as of Oct 15, 2025
Authorized
$30.00M
Spent (derived)
—
Remaining
—
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.