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Triumph Financial, Inc.

Triumph Financial, Inc.

NASDAQ•TFIN
CEO: Mr. Aaron P. Graft J.D.
セクター: Financial Services
業種: Banks - Regional
上場日: 2014-11-07
Triumph Financial, Inc., a financial holding company, provides various payments, factoring, and banking services in the United States. It operates through Banking, Factoring, and Payments segments. 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, as well as payments services offered through TriumphPay platform, a payments network for 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.
連絡先情報
12700 Park Central Drive, Suite 1700, Dallas, TX, 75251, United States
214-365-6900
www.tfin.com
時価総額
$1.49B
PER (TTM)
67.2
14.8
配当利回り
--
52週高値
$77.84
52週安値
$42.90
52週レンジ
56%
順位52Top 73.5%
2.9
F-Score
改良版 Piotroski 分析
10年ファンダメンタル
弱い • 2.9 / 9 ポイント
スコアレンジ (0-9)
8-9: 価値が優れている
6-7: 基礎体質が強い
4-5: 全体的に堅調
0-3: パフォーマンスが弱い
データ期間: 2016-2025

財務ダッシュボード

Q4 2025 データ

売上高

-$357.33M-100.00%
直近4四半期の推移

EPS

$0.77+492.31%
直近4四半期の推移

フリーCF

-$21.57M+0.00%
直近4四半期の推移

2025 Q3 決算ハイライト

主なハイライト

Net Income Declined Sharply Net income $1.7M (3Q 2025) down 68.1% YoY, driven by higher noninterest expense growth of 8.4% period over period.
NIM Compression Continues Net interest margin fell 52 basis points to 6.29% (3Q), primarily due to lower yields on Banking segment loans.
Asset Quality Shows Improvement Nonperforming loan ratio improved significantly to 1.36% as of September 30, 2025, down from 2.49% at year-end 2024.
Balance Sheet Expansion Total assets grew to $6.36B, with net loans held for investment increasing $440.0M during the nine months ended September 30, 2025.

リスク要因

Credit Loss Provisioning ACL coverage ratio decreased to 0.67% of loans; experienced net charge-offs of $9.4M in the third quarter 2025.
Operational Restructuring Costs Announced 5% reduction in force in August 2025, incurring $3.1M in severance expense recognized in the current quarter.
Legal Contingency Exposure Tricolor bankruptcy filing raises potential material loss risk regarding the $22.5M floorplan loan facility held by TBK Bank.
Factoring Revenue Headwinds Continued softness in freight markets resulting in persistently low invoice prices pressures Factoring segment revenue outlook.

見通し

Cost Structure Rebalancing Restructuring actions are intended to re-balance cost structure following significant technology investments and efficiency gains realized.
Capital Strength Maintained TBK Bank capital ratios remain strong, exceeding all minimum and 'well capitalized' regulatory thresholds as of period end.
Intelligence Segment Growth Focus remains on integrating Greenscreens AI acquisition to enhance Intelligence segment pricing intelligence and automation offerings.
Deposit Base Stability Deposit base remains diverse, with noninterest bearing demand deposits increasing $130.6M year-to-date, supporting funding needs.

同業比較

売上高 (TTM)

Cullen/Frost Bankers, Inc.CFR
$2.75B
-3.3%
ConnectOne Bancorp, Inc.CNOB
$676.39M
+26.5%
OceanFirst Financial Corp.OCFC
$660.40M
-4.0%

粗利益率 (最新四半期)

Republic Bancorp, Inc.RBCAA
100.0%
+6.8pp
Cullen/Frost Bankers, Inc.CFR
98.1%
+0.0pp
Westamerica BancorporationWABC
94.8%
-0.5pp

主要指標

銘柄コード
時価総額
PER (TTM)
ROE (TTM)
負債比率
CFR$9.11B14.115.0%10.3%
QCRH$1.57B12.311.9%0.0%
TFIN$1.49B67.22.4%0.0%

長期トレンド

直近4四半期
売上高
純利益
営業キャッシュフロー
4四半期売上高CAGR
N/M
売上高の変動が大きい
4四半期純利益CAGR
880.2%
収益性の大幅な改善
キャッシュフロー安定性
50%
キャッシュフローに注意が必要

深度リサーチ

次回決算:2026年4月14日
|
EPS:-
|
売上高:-
財務レポート
財務データ
ニュース
全年度

  • Form 10-Q - Q3 2025

    会計期末: 2025年9月30日|提出日: 2025年10月15日|
    売上高: $109.28M-12.8%
    |
    EPS: $0.04-78.9%
    予想を下回る

  • Form 10-Q - Q2 2025

    会計期末: 2025年6月30日|提出日: 2025年7月16日|
    売上高: $128.59M+3.5%
    |
    EPS: $0.15+87.5%
    予想を上回る

  • Form 10-Q - Q1 2025

    会計期末: 2025年3月31日|提出日: 2025年4月16日|
    売上高: $119.46M+2.1%
    |
    EPS: $-0.03-121.4%
    予想を下回る

  • Form 10-K - FY 2024

    会計期末: 2024年12月31日|提出日: 2025年2月11日|
    売上高: $487.63M+3.3%
    |
    EPS: $0.55-66.3%
    予想を上回る

  • Form 10-Q - Q3 2024

    会計期末: 2024年9月30日|提出日: 2024年10月16日|
    売上高: $125.35M+3.7%
    |
    EPS: $0.19-63.5%
    予想を上回る

  • Form 10-Q - Q2 2024

    会計期末: 2024年6月30日|提出日: 2024年7月17日|
    売上高: $124.18M+6.1%
    |
    EPS: $0.08-73.3%
    予想を下回る

  • Form 10-Q - Q1 2024

    会計期末: 2024年3月31日|提出日: 2024年4月17日|
    売上高: $116.95M+4.7%
    |
    EPS: $0.14-68.2%
    予想を下回る

  • Form 10-K - FY 2023

    会計期末: 2023年12月31日|提出日: 2024年2月13日|
    売上高: $471.85M-6.2%
    |
    EPS: $1.63-59.9%
    予想を上回る