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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
$1.32B
PER (TTM)
52.0
14.5
配当利回り
--
52週高値
$77.84
52週安値
$42.90
52週レンジ
36%
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

$140.45M-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 Annual 決算ハイライト

主なハイライト

Net Income Rises Significantly Net income available to common stockholders increased $9.3M to $22.153M, driven by lower credit loss expense year-over-year.
Asset Quality Shows Strong Reversal NPL ratio significantly improved to 1.15% from 2.49% in 2024; ACL coverage on NPLs increased substantially to 63.44%.
Loan Portfolio Grows 9.8% Total loans held for investment increased $444.3M to $4.991B, supported by growth in Banking and Factoring receivables.
Payments Volume Surges 45.8% Payments segment processed $40.517B in volume, a 45.8% increase, reflecting strong adoption of the network platform.

リスク要因

Net Interest Margin Compression NIM declined 56 basis points to 6.39% due to lower loan yields, despite relatively flat cost of funds year-over-year.
High Transportation Concentration Significant revenue concentration remains in the transportation sector, exposing results to freight market volatility and regulatory burdens.
Capital Ratios Moderating TBK Bank's CET1 ratio decreased to 11.8% from 14.2%, though still well above minimum regulatory requirements.
Integration of Recent Acquisitions Successful integration of recent acquisitions, like Greenscreens AI, is critical; failure could impact operational efficiency and expense management.

見通し

Expanding Intelligence Offerings Future growth relies on expanding Intelligence services and increasing adoption of the full Payments network functionality by existing customers.
Managing Funding Cost Structure Management emphasizes shorter duration and variable rate loans, seeking stable, low-cost deposits to offset rising funding costs.
De-risking Loan Portfolios Company decided to cease new originations in Asset-Based Loans and Liquid Credit portfolios, allowing them to decline during 2026.
Cost Structure Rebalancing Restructuring initiatives, including a 5% workforce reduction, aim to re-balance cost structure following technology efficiency gains.

同業比較

売上高 (TTM)

CFR stock ticker logoCFR
$2.92B
+2.5%
CNOB stock ticker logoCNOB
$676.39M
+26.5%
OCFC stock ticker logoOCFC
$660.40M
-4.0%

粗利益率 (最新四半期)

WABC stock ticker logoWABC
94.8%
-0.5pp
TFIN stock ticker logoTFIN
86.8%
+0.0pp
CFR stock ticker logoCFR
76.4%
+0.0pp

主要指標

銘柄コード
時価総額
PER (TTM)
ROE (TTM)
負債比率
CFR$8.35B13.015.0%9.0%
QCRH$1.38B10.811.9%6.5%
TFIN$1.32B52.02.8%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
5.5%
安定成長
4四半期純利益CAGR
941.7%
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
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EPS:-
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売上高:-
財務データ
決算説明会
財務レポート
ニュース
損益計算書
バランスシート
キャッシュフロー計算書
財務比率
変化率
損益計算書
直近12ヶ月
データなし