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Upturn AI SWOT - About
TFIN 
Triumph Financial, Inc. (TFIN)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
09/11/2025: TFIN (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
5 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $60.5
1 Year Target Price $60.5
| 0 | Strong Buy |
| 0 | Buy |
| 5 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -32.66% | Avg. Invested days 28 | Today’s Advisory WEAK BUY |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/11/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.35B USD | Price to earnings Ratio 129.14 | 1Y Target Price 60.5 |
Price to earnings Ratio 129.14 | 1Y Target Price 60.5 | ||
Volume (30-day avg) 5 | Beta 1.3 | 52 Weeks Range 42.90 - 110.58 | Updated Date 09/12/2025 |
52 Weeks Range 42.90 - 110.58 | Updated Date 09/12/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.44 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 3.33% | Operating Margin (TTM) 13.87% |
Management Effectiveness
Return on Assets (TTM) 0.22% | Return on Equity (TTM) 1.53% |
Valuation
Trailing PE 129.14 | Forward PE - | Enterprise Value 1432827008 | Price to Sales(TTM) 3.3 |
Enterprise Value 1432827008 | Price to Sales(TTM) 3.3 | ||
Enterprise Value to Revenue 4.02 | Enterprise Value to EBITDA - | Shares Outstanding 23734100 | Shares Floating 21317944 |
Shares Outstanding 23734100 | Shares Floating 21317944 | ||
Percent Insiders 5.46 | Percent Institutions 96.75 |
Upturn AI SWOT
Triumph Financial, Inc.
Company Overview
History and Background
Triumph Financial, Inc. (formerly Triumph Bancorp, Inc.) was founded in 2006. It has grown through acquisitions and organic expansion, focusing on transportation-related financial services.
Core Business Areas
- Factoring: Provides invoice factoring services primarily to the transportation industry.
- Banking: Offers a range of banking services, including commercial lending, treasury management, and deposit accounts, with a focus on serving small and medium-sized businesses.
- Insurance: Provides insurance services related to the transportation industry.
Leadership and Structure
Aaron P. Graft serves as the Vice Chairman and Chief Executive Officer. The organizational structure includes various departments overseeing factoring, banking, insurance, and other corporate functions, all reporting to executive leadership.
Top Products and Market Share
Key Offerings
- Factoring Services: Triumph Business Capital offers factoring services to trucking companies and other businesses, buying invoices at a discount and handling collections. Market share data is fragmented, but Triumph is a significant player in transportation factoring. Competitors include Apex Capital, Tab Bank, and eCapital.
- Commercial Banking Services: Triumph Community Bank provides a range of traditional banking services to businesses, including commercial loans, deposit accounts, and treasury management. Market share in the overall commercial banking sector is small but growing. Competitors include larger national and regional banks.
- TriumphPay: A payments platform focused on the transportation industry, facilitating payments between shippers, brokers, and carriers. TriumphPay aims to streamline payment processes and reduce fraud. Key competitors include Cass Information Systems and U.S. Bank Freight Payment.
Market Dynamics
Industry Overview
The transportation financial services industry is characterized by intense competition, technological advancements, and regulatory changes. Demand is cyclical, affected by economic conditions and freight volumes.
Positioning
Triumph Financial, Inc. is positioned as a specialist provider of financial services to the transportation industry, with a focus on factoring and payments. Its competitive advantages include its industry expertise and integrated platform.
Total Addressable Market (TAM)
The TAM for transportation factoring and payments is estimated to be in the billions of dollars annually. Triumph Financial, Inc. is positioned to capture a significant share of this market through its specialized offerings and expanding customer base.
Upturn SWOT Analysis
Strengths
- Industry expertise and focus
- Integrated platform
- Strong customer relationships
- Growth through acquisitions
Weaknesses
- Reliance on the transportation industry, making it vulnerable to economic downturns
- High concentration of risk in certain sectors
- Integration challenges with acquired companies
Opportunities
- Expansion into new geographic markets
- Development of new financial products and services
- Increased adoption of technology in the transportation industry
- Further acquisitions
Threats
- Economic downturns impacting the transportation industry
- Increased competition from larger financial institutions and fintech companies
- Regulatory changes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- TAB Bank (Private)
- Apex Capital (Private)
- U.S. Bank (USB)
- Cass Information Systems (CASS)
Competitive Landscape
Triumph Financial, Inc. competes with both larger financial institutions and specialized fintech companies. Its advantages include its industry focus and integrated platform. Disadvantages include its smaller size and limited geographic reach compared to some competitors.
Major Acquisitions
HubTran
- Year: 2020
- Acquisition Price (USD millions): 60
- Strategic Rationale: The strategic rationale for HubTran acquisition was to improve TriumphPay.
Growth Trajectory and Initiatives
Historical Growth: Triumph Financial, Inc. has grown through acquisitions and organic expansion, focusing on transportation-related financial services.
Future Projections: Analyst estimates vary but generally project continued growth in revenue and earnings, driven by expansion in factoring, payments, and banking services. More specific analyst data would need to be acquired for specific projections.
Recent Initiatives: Recent initiatives include the expansion of TriumphPay and the acquisition of companies in related industries to complement existing business areas.
Summary
Triumph Financial, Inc. is a specialized financial services provider focused on the transportation industry. The company's strengths include its industry expertise and integrated platform, but it faces challenges related to economic cycles and competition. Recent initiatives focus on expanding the TriumphPay platform and complementing existing business areas through strategic acquisitions. It needs to carefully manage integration challenges and competitive pressures. They need to be ready to manage integration challenges that come with acquisitions and also watch out for competitive pressures.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- Financial news sources
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered investment advice. Market share estimates are approximate and may vary depending on the source.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Triumph Financial, Inc.
Exchange NASDAQ | Headquaters Dallas, TX, United States | ||
IPO Launch date 2014-11-07 | Founder, Vice Chairman, President & CEO Mr. Aaron P. Graft J.D. | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 1561 | Website https://www.tfin.com |
Full time employees 1561 | Website https://www.tfin.com | ||
Triumph Financial, Inc., a financial holding company, provides banking, factoring, payments, and intelligence services in the United States. The company offers deposit products, including checking, savings, money market, and certificates of deposit; and loan products, such as commercial real estate, land, commercial construction and land development, residential real estate, commercial 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. It also provides electronic banking services, debit cards, insurance brokerage services, mortgage warehouse facilities, and transportation factoring services; payments services offered through TriumphPay platform, a payments network 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.
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