Triumph Financial, Inc. (TFIN) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Triumph Financial, Inc. stock $22.65, price $61.23, that is 63.0% below the price, quality 49 out of 100. Rating: strongly overvalued. Calculated from audited financials with 4 of our 26 valuation models and 37 quality factors, updated daily.
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Triumph Financial, Inc.
TFIN · USOur calculation puts a fair price 63% below what the stock costs today.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 7, 2026.
How to read this chart
60‑month range $45.99 – $133.63 · fair‑value band $16.99 – $25.19 · the $61.23 price screens above the $22.65 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 7, 2026.
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Company profile
Triumph Financial, Inc., a financial holding company, provides banking, factoring, payments, and intelligence services in the United States.
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It offers deposit products, including checking, savings, money market, and certificates of deposit; and loan products, such as commercial real estate, commercial construction, land, and land development, residential real estate, 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.
The company also provides electronic banking services, debit cards, insurance brokerage services, mortgage warehouse facilities, and transportation factoring services; payment, audit, and other banking services 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.
Stock analysis
Triumph Financial, Inc. (TFIN) currently trades at $61.23, while our model-based Fair Value estimate is $22.65, 63% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Economic Profit group reads highest at a median of $23.23 per share, and 0 of the 4 models we run sit above the $61.23 price.
Bear case: the Asset-Based group reads lowest at $15.08, and 4 of the 4 models stay below the price. Data coverage for this calculation is medium.
Scenario range: $16.99 (bear) to $25.19 (bull), the price of $61.23 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 49/100 (below-average quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Triumph Financial, Inc. reported revenue of $516M in FY2025 versus $442M in FY2021, a compound +3.9%/yr. Reported net income was $25.4M in FY2025, compounding −31.2%/yr from FY2021.
Key figures
Market cap $1.5B Small · P/E ratio 31.2 · P/S ratio 3.15 · EPS (TTM) $1.96 · Net margin 10.7% · Return on equity 5.3% · Return on assets (EBIT) 1.3% (5-year average) · Operating margin 21.9%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 39 out of 100 (medium confidence).
What moves the price
The share trades about 24% below its 52-week high and 21% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −63%, TFIN screens richer than that median.
Fair Value models
All 4 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Insider trades
In the last 6 months, 2 officers or directors sold shares worth $703,743 and none bought.
- SaleEdward Joseph SchreyerEVP, Chief Operating Officer2× since May 22, 2026: 5,800 shares, avg. $70.23$407,305Aug 20, 202610b5-1 plan
- SaleAdam D NelsonEVP and General Counsel2× since Dec 18, 2025: 6,750 shares, avg. $72.89$491,978Aug 4, 2026
- BuyTodd RitterbuschPresident - TBK Bank, SSB7,000 shares at $67.01$469,070May 8, 2026
- SaleWilliam B. VossChief Financial Officer427 shares at $59.57$25,436Mar 10, 2026
- BuyAaron P GraftPresident & CEO, Director8,949 shares at $55.87$499,981Feb 27, 2026
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗
Revenue & earnings trend
TFIN screens overvalued: fair value 63% below the price. Compare with China Merchants Bank Co →
Earlier news
- TFIN Q3 deep dive: margin pressure offsets revenue growth as platform investments mature
- Triumph Financial (TFIN) Q3 Earnings Miss Estimates
Compare Triumph Financial, Inc. with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 998 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
VALUE 0: the price sits above our fair-value range.
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Quality Score by industry
- Return on equity by industry
- Stock screener with 62 metrics
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Postal Savings Bank of China Co 601658 | ¥5.53 | ¥7.59 | +37% | vs TFIN |
| China Merchants Bank Co 600036 | ¥42.88 | ¥52.73 | +23% | vs TFIN |
| BNP Paribas SA BNP | €91.93 | €106.01 | +15% | vs TFIN |
| Intesa Sanpaolo S.p.A ISP | €6.18 | €4.49 | −27% | vs TFIN |
| State Bank of India SBIN | ₹1,019 | ₹736.65 | −28% | vs TFIN |
| UniCredit S.p.A UCG | €76.80 | €50.44 | −34% | vs TFIN |
| Mizuho Financial Group MFG | $9.40 | $5.90 | −37% | vs TFIN |
| DBS Group D05 | 69.72 SGD | 40.39 SGD | −42% | vs TFIN |
| HDFC Bank Limited HDFCBANK | ₹788.25 | ₹406.39 | −48% | vs TFIN |
| ICICI Bank Limited ICICIBANK | ₹1,571 | ₹615.63 | −61% | vs TFIN |
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Key figures of Triumph Financial, Inc.
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