NYSE : TFIN
Triumph Financial, Inc. — Financial statements
Financials · Banks - Regional · United States
Last price 62.1 USD (Oct 30, 2026, 4:00 PM EDT) · Market cap 1.49B
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Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 209.11M | 220.04M | 213.83M | 228.43M | 181.19M | 183.56M |
| Interest Income on Investments | 258.81M | 210.42M | 208.68M | 193.99M | 238.05M | 204.00M |
| Total Interest Income | 467.92M | 430.47M | 422.51M | 422.42M | 419.24M | 387.56M |
| Interest Paid on Deposits | 80.55M | 64.07M | 56.23M | 34.32M | 10.04M | 9.70M |
| Interest Paid on Borrowings | 9.63M | 15.81M | 15.82M | 20.02M | 8.71M | 8.73M |
| Total Interest Expense | 90.18M | 79.88M | 72.06M | 54.34M | 18.75M | 18.43M |
| Net Interest Income | 377.74M | 350.59M | 350.46M | 368.08M | 400.49M | 369.13M |
| Gain (Loss) on Sale of Assets | 13.43M | 14.89M | 28.00K | 49.00K | ||
| Gain (Loss) on Sale of Investments | -1.12M | -1.12M | 533.00K | 102.00K | 12.68M | 5.00K |
| Other Non-Interest Income | 75.04M | 67.46M | 57.59M | 42.90M | 45.43M | 44.01M |
| Total Non-Interest Income | 94.06M | 88.41M | 65.41M | 50.17M | 83.18M | 54.50M |
| Revenues Before Loan Losses | 471.80M | 439.00M | 415.87M | 418.25M | 483.67M | 423.63M |
| Provision for Loan Losses | 1.78M | 3.15M | 18.77M | 12.20M | 6.92M | -8.83M |
| Revenue | 470.01M | 435.85M | 397.10M | 406.05M | 476.75M | 432.46M |
| Salaries and Employee Benefits | 217.31M | 216.66M | 205.06M | 197.38M | 180.31M | 153.64M |
| Occupancy Expenses | 21.46M | 26.10M | 26.95M | 22.99M | 21.65M | 19.49M |
| Federal Deposit Insurance | 5.22M | 4.43M | 2.72M | 2.62M | 1.81M | 2.25M |
| Amortization of Goodwill & Intangibles | 23.86M | 22.39M | 17.84M | 15.91M | 15.98M | 10.88M |
| Selling, General & Administrative | 97.17M | 92.03M | 100.64M | 90.83M | 97.54M | 71.68M |
| Other Non-Interest Expense | 28.36M | 32.77M | 23.11M | 23.51M | 23.33M | 29.57M |
| Total Non-Interest Expense | 393.38M | 394.38M | 376.31M | 353.23M | 340.63M | 287.51M |
| EBT Excluding Unusual Items | 76.64M | 41.47M | 20.79M | 52.81M | 136.11M | 144.95M |
| Other Unusual Items | 890.00K | |||||
| Pretax Income | 66.22M | 32.99M | 20.47M | 52.81M | 137.00M | 144.95M |
| Income Tax Expense | 15.85M | 7.63M | 4.38M | 11.73M | 34.69M | 31.98M |
| Net Income | 50.37M | 25.36M | 16.09M | 41.08M | 102.31M | 112.97M |
| Preferred Dividends & Other Adjustments | 3.21M | 3.21M | 3.21M | 3.21M | 3.21M | 3.21M |
| Net Income to Common | 47.16M | 22.15M | 12.88M | 37.88M | 99.11M | 109.77M |
| Basic Shares Outstanding | 23.83M | 23.62M | 23.29M | 23.21M | 24.39M | 24.74M |
| Diluted Shares Outstanding | 24.07M | 23.85M | 23.78M | 23.56M | 25.02M | 25.25M |
| EPS (Basic) | 1.98 | 0.94 | 0.55 | 1.63 | 4.06 | 4.44 |
| EPS (Diluted) | 1.95 | 0.93 | 0.54 | 1.61 | 3.96 | 4.35 |
| Effective Tax Rate | 23.94% | 23.13% | 21.39% | 22.22% | 25.32% | 22.06% |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 1.03B | 248.47M | 330.12M | 286.63M | 408.18M | 383.18M |
| Investment Securities | 169.76M | 320.00M | 341.79M | 289.36M | 251.23M | 163.79M |
| Trading Asset Securities | 6.16M | |||||
| Mortgage-Backed Securities | 84.62M | 88.50M | 84.19M | 55.84M | 50.63M | 37.45M |
| Total Investments | 254.39M | 408.50M | 425.97M | 345.20M | 301.86M | 207.41M |
| Gross Loans | 5.70B | 5.00B | 4.55B | 4.17B | 4.14B | 4.88B |
| Allowance for Loan Losses | -38.59M | -36.51M | -40.71M | -35.22M | -42.81M | -42.21M |
| Other Adjustments to Gross Loans | -12.68M | -11.83M | -5.82M | -10.52M | -16.69M | -17.07M |
| Net Loans | 5.65B | 4.95B | 4.51B | 4.13B | 4.08B | 4.83B |
| Property, Plant & Equipment | 86.63M | 113.72M | 187.29M | 142.98M | 134.31M | 138.56M |
| Goodwill | 355.30M | 355.30M | 241.95M | 233.71M | 233.71M | 233.73M |
| Other Intangible Assets | 91.57M | 94.26M | 54.23M | 46.01M | 32.06M | 43.13M |
| Loans Held for Sale | 2.40M | 459.00K | 1.17M | 1.24M | 5.64M | 7.33M |
| Accrued Interest Receivable | 37.32M | 45.87M | 41.59M | 34.48M | 21.87M | 15.31M |
| Other Current Assets | 1.35M | |||||
| Long-Term Deferred Tax Assets | 181.00K | 13.58M | 8.80M | 16.47M | 10.02M | |
| Other Real Estate Owned & Foreclosed | 4.24M | 12.32M | 6.96M | 987.00K | 1.30M | 2.89M |
| Other Long-Term Assets | 164.52M | 130.41M | 124.14M | 104.24M | 94.64M | 79.19M |
| Total Assets | 7.68B | 6.38B | 5.95B | 5.35B | 5.33B | 5.96B |
| Interest Bearing Deposits | 2.14B | 2.98B | 2.80B | 2.28B | 2.36B | 2.60B |
| Institutional Deposits | 54.90M | 64.25M | 60.19M | 66.17M | 58.46M | 116.98M |
| Non-Interest Bearing Deposits | 4.27B | 1.90B | 1.96B | 1.63B | 1.76B | 1.93B |
| Total Deposits | 6.47B | 4.95B | 4.82B | 3.98B | 4.17B | 4.65B |
| Short-Term Borrowings | 340.00K | 2.10M | ||||
| Current Portion of Long-Term Debt | 250.00M | |||||
| Current Portion of Leases | 6.22M | 6.41M | ||||
| Long-Term Debt | 70.00M | 69.88M | 69.66M | 108.68M | 107.80M | 134.10M |
| Federal Home Loan Bank Debt, Long-Term | 30.00M | 30.00M | 255.00M | 30.00M | 180.00M | |
| Long-Term Leases | 36.52M | 18.65M | 29.45M | 32.31M | 34.03M | 35.83M |
| Trust Preferred Securities | 43.49M | 42.99M | 42.35M | 41.74M | 41.16M | 40.60M |
| Other Long-Term Liabilities | 70.14M | 70.68M | 65.77M | 67.73M | 60.14M | 58.07M |
| Total Liabilities | 6.70B | 5.44B | 5.06B | 4.48B | 4.44B | 5.10B |
| Preferred Stock, Redeemable | 45.00M | 45.00M | 45.00M | 45.00M | 45.00M | 45.00M |
| Total Preferred Equity | 45.00M | 45.00M | 45.00M | 45.00M | 45.00M | 45.00M |
| Common Stock | 297.00K | 295.00K | 291.00K | 290.00K | 283.00K | 283.00K |
| Additional Paid-In Capital | 610.98M | 597.47M | 567.88M | 550.74M | 534.79M | 510.94M |
| Retained Earnings | 600.12M | 571.37M | 549.22M | 536.33M | 498.46M | 399.35M |
| Treasury Stock | -272.84M | -270.62M | -268.36M | -265.04M | -182.66M | -104.74M |
| Comprehensive Income & Other | -4.99M | -1.74M | -3.12M | -2.93M | -6.90M | 8.03M |
| Total Common Equity | 933.56M | 896.77M | 845.92M | 819.40M | 843.97M | 813.86M |
| Shareholders' Equity | 978.56M | 941.77M | 890.92M | 864.40M | 888.97M | 858.86M |
| Total Liabilities & Equity | 7.68B | 6.38B | 5.95B | 5.35B | 5.33B | 5.96B |
| Total Debt | 156.23M | 417.93M | 171.46M | 437.73M | 213.33M | 392.63M |
| Net Cash (Debt) | 876.30M | -169.45M | 158.65M | -151.09M | 194.85M | -3.29M |
| Net Cash Per Share | 36.40 | -7.11 | 6.67 | -6.41 | 7.79 | -0.13 |
| Filing Date Shares Outstanding | 23.92M | 23.79M | 23.37M | 23.21M | 22.86M | 24.81M |
| Total Common Shares Outstanding | 23.92M | 23.77M | 23.34M | 23.18M | 23.82M | 24.80M |
| Book Value Per Share | 39.03 | 37.73 | 36.24 | 35.35 | 35.43 | 32.82 |
| Tangible Book Value | 486.70M | 447.22M | 549.74M | 539.68M | 578.20M | 537.01M |
| Tangible Book Value Per Share | 20.35 | 18.82 | 23.55 | 23.28 | 24.27 | 21.66 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 50.37M | 25.36M | 16.09M | 41.08M | 102.31M | 112.97M |
| Depreciation & Amortization | 22.31M | 26.45M | 27.50M | 25.25M | 25.22M | 22.91M |
| Other Amortization | 13.77M | 11.02M | 6.33M | 5.33M | 4.91M | 1.22M |
| Gain (Loss) on Sale of Assets | -13.36M | -15.19M | 38.00K | -49.00K | 133.00K | 347.00K |
| Gain (Loss) on Sale of Investments | 1.19M | 526.00K | -1.25M | -1.03M | -13.24M | -675.00K |
| Total Asset Writedown | 890.00K | |||||
| Provision for Credit Losses | 5.58M | 3.15M | 18.77M | 12.20M | 6.92M | -8.83M |
| Net Decrease (Increase) in Loans Originated / Sold - Operating | 6.09M | 1.01M | -742.00K | -1.14M | 451.00K | 749.00K |
| Change in Other Net Operating Assets | 5.95M | -2.81M | -15.59M | -36.63M | -39.92M | 5.64M |
| Other Operating Activities | 7.93M | 6.93M | -4.17M | 7.12M | -1.22M | -5.30M |
| Operating Cash Flow | 113.27M | 67.06M | 58.54M | 60.01M | 80.75M | 136.96M |
| Capital Expenditures | -16.75M | -16.45M | -62.80M | -23.87M | -10.91M | -14.36M |
| Sale of Property, Plant and Equipment | 79.70M | 86.76M | 41.00K | |||
| Cash Acquisitions | 143.00K | -137.37M | -10.00M | -96.93M | ||
| Investment in Securities | 182.81M | 19.67M | -79.84M | -25.95M | -73.59M | 41.37M |
| Divestitures | 85.92M | |||||
| Purchase / Sale of Intangibles | -19.78M | -19.33M | -24.37M | -19.91M | -6.27M | |
| Net Decrease (Increase) in Loans Originated / Sold - Investing | -704.96M | -460.86M | -393.84M | -51.76M | 666.63M | 147.44M |
| Other Investing Activities | 10.92M | -199.00K | -19.78M | -8.03M | 3.89M | -1.12M |
| Investing Cash Flow | -457.80M | -525.48M | -590.00M | -129.51M | 666.11M | 77.66M |
| Long-Term Debt Issued | 250.00M | 225.00M | 369.85M | |||
| Total Debt Issued | 250.00M | 225.00M | 369.85M | |||
| Short-Term Debt Repaid | -340.00K | -1.76M | -996.00K | |||
| Long-Term Debt Repaid | -264.50M | -177.14M | -441.35M | |||
| Total Debt Repaid | -280.00M | -264.50M | -340.00K | -178.91M | -442.34M | |
| Net Debt Issued (Repaid) | -280.00M | 250.00M | -264.50M | 224.66M | -178.91M | -72.49M |
| Issuance of Common Stock | 2.53M | 2.81M | 2.60M | 1.98M | 1.55M | 1.03M |
| Repurchase of Common Stock | -2.22M | -2.23M | -3.29M | -81.62M | -76.71M | -1.24M |
| Preferred Dividends Paid | -3.21M | -3.21M | -3.21M | -3.21M | -3.21M | -3.21M |
| Total Dividends Paid | -3.21M | -3.21M | -3.21M | -3.21M | -3.21M | -3.21M |
| Net Increase (Decrease) in Deposit Accounts | 1.51B | 129.40M | 843.34M | -193.86M | -464.51M | -69.92M |
| Other Financing Activities | -74.00K | |||||
| Financing Cash Flow | 1.23B | 376.77M | 574.94M | -52.05M | -721.87M | -145.83M |
| Net Cash Flow | 885.30M | -81.65M | 43.48M | -121.55M | 25.00M | 68.78M |
| Free Cash Flow | 96.52M | 50.62M | -4.26M | 36.14M | 69.84M | 122.60M |
| Free Cash Flow Margin | 20.54% | 11.61% | -1.07% | 8.90% | 14.65% | 28.35% |
| Free Cash Flow Per Share | 4.01 | 2.12 | -0.18 | 1.53 | 2.79 | 4.86 |
| Cash Interest Paid | 97.24M | 73.90M | 68.63M | 48.28M | 16.33M | 18.95M |
| Cash Income Tax Paid | 2.70M | -46.00K | 1.00K | 14.14M | 47.22M | 40.00M |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 1.54B | 1.49B | 2.12B | 1.86B | 1.20B | 2.95B |
| Last Close Price | 62.10 | 62.63 | 90.88 | 80.18 | 48.87 | 119.08 |
| PE Ratio | 32.88 | 67.18 | 164.62 | 49.05 | 12.07 | 26.87 |
| PS Ratio | 3.28 | 3.42 | 5.34 | 4.58 | 2.51 | 6.82 |
| PB Ratio | 1.59 | 1.58 | 2.38 | 2.15 | 1.35 | 3.43 |
| P/FCF Ratio | 15.95 | 29.40 | 51.40 | 17.13 | 24.06 | |
| P/OCF Ratio | 13.59 | 22.19 | 36.23 | 30.95 | 14.81 | 21.54 |
| Debt / Equity Ratio | 0.16 | 0.44 | 0.19 | 0.51 | 0.24 | 0.46 |
| Debt / FCF Ratio | 1.62 | 8.26 | 12.11 | 3.05 | 3.20 | |
| Net Debt / Equity Ratio | -0.90 | 0.18 | -0.18 | 0.17 | -0.22 | 0.00 |
| Net Debt / FCF Ratio | -9.08 | 3.35 | 37.24 | 4.18 | -2.79 | 0.03 |
| Return on Equity (ROE) | 5.31% | 2.77% | 1.83% | 4.69% | 11.71% | 14.25% |
| Return on Assets (ROA) | 0.72% | 0.41% | 0.29% | 0.77% | 1.81% | 1.90% |
| Earnings Yield | 3.04% | 1.70% | 0.76% | 2.21% | 8.55% | 3.83% |
| FCF Yield | 6.27% | 3.40% | -0.20% | 1.95% | 5.84% | 4.16% |
| Payout Ratio | 12.64% | 19.93% | 7.80% | 3.13% | 2.84% | |
| Buyback Yield / Dilution | -0.84% | -0.29% | -0.92% | 5.84% | 0.91% | -2.58% |