Triumph Financial, Inc. (TFIN) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Triumph Financial, Inc. stock (TFIN) is currently trading at $57.87. Triumph Financial, Inc. PE ratio is 62.23. Triumph Financial, Inc. PS ratio (Price-to-Sales) is 3.16. Analyst consensus price target for TFIN is $67.00. WallStSmart rates TFIN as Hold.
- TFIN PE ratio analysis and historical PE chart
- TFIN PS ratio (Price-to-Sales) history and trend
- TFIN intrinsic value — DCF, Graham Number, EPV models
- TFIN stock price prediction 2025 2026 2027 2028 2029 2030
- TFIN fair value vs current price
- TFIN insider transactions and insider buying
- Is TFIN undervalued or overvalued?
- Triumph Financial, Inc. financial analysis — revenue, earnings, cash flow
- TFIN Piotroski F-Score and Altman Z-Score
- TFIN analyst price target and Smart Rating
Triumph Financial, Inc.
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TFIN Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Triumph Financial, Inc. (TFIN)
TFIN trades 59% above its Graham fair value of $43.52, indicating the stock may be overvalued at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Triumph Financial, Inc. (TFIN) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, revenue growth. Concerns around return on equity. Fundamentals are solid but monitor weak areas for improvement.
Triumph Financial, Inc. (TFIN) Key Strengths (5)
Earnings per share surging 532.00% year-over-year
100.82% of shares held by major funds and institutions
Strong operational efficiency: $26 kept per $100 revenue
Trading at 1.54x book value, attractively priced
Strong revenue growth at 22.90% annually
Triumph Financial, Inc. (TFIN) Areas to Watch (4)
Very low returns on shareholder equity
Thin profit margins with limited profitability
Small-cap company with higher risk but more growth potential
Revenue is fairly priced at 3.16x sales
Supporting Valuation Data
Triumph Financial, Inc. (TFIN) Detailed Analysis Report
Overall Assessment
This company scores 60/100 in our Smart Analysis, earning a C grade. Out of 9 metrics analyzed, 5 register as strengths (avg 8.8/10) while 4 fall into concern territory (avg 4.0/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on EPS Growth, Institutional Own., Operating Margin. Valuation metrics including Price/Book (1.54) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 25.50%. Growth metrics are encouraging with Revenue Growth at 22.90%, EPS Growth at 532.00%.
The Bear Case
The primary concerns are Return on Equity, Profit Margin, Market Cap. Some valuation metrics including Price/Sales (3.16) suggest expensive pricing. Profitability pressure is visible in Return on Equity at 2.77%, Profit Margin at 5.82%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Return on Equity improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 2.77% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 22.90% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (EPS Growth, Institutional Own.) and negatives (Return on Equity, Profit Margin). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
TFIN Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
TFIN's Price-to-Sales ratio of 3.16x trades 16% below its historical average of 3.75x (40th percentile). The current valuation is 61% below its historical high of 8.17x set in Nov 2021, and 99% above its historical low of 1.59x in Jun 2020.
WallStSmart Analysis Synopsis
Data-driven financial summary for Triumph Financial, Inc. (TFIN) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Triumph Financial, Inc. is a strong growth company balancing expansion with improving profitability. Revenue reached 436M with 23% growth year-over-year. Profit margins are thin at 5.8%, typical for companies in this phase that are reinvesting heavily in growth.
Key Findings
Generating 25M in free cash flow and 36M in operating cash flow. Earnings are translating into actual cash generation.
ROE of 2.8% suggests the company isn't efficiently converting equity into profits.
What to Watch Next
Margin expansion: can Triumph Financial, Inc. push profit margins above 15% as the business scales?
Growth sustainability: can Triumph Financial, Inc. maintain 23%+ revenue growth, or will competition slow it down?
Valuation compression risk at a P/E of 62.2x. Any growth miss could trigger a sharp correction.
Volatility is elevated with a beta of 1.51, so expect amplified moves relative to the broader market.
Bottom Line
Triumph Financial, Inc. offers an attractive blend of growth (23% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Triumph Financial, Inc.(TFIN)
NYSE
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Triumph Financial Inc., a financial and technology company, focuses on payments, factoring, and banking. The company is headquartered in Dallas, Texas.