Triumph Financial, Inc. (TFINP) Stock Analysis
DELISTED 2026
What happened to Triumph Financial, Inc. (TFINP) stock?
Triumph Financial, Inc. (TFINP) no longer trades on public markets. It was delisted in February 2026. The figures below are historical and are not a current quote.
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Triumph Financial, Inc. (TFINP) trades at $22.25. Triumph Financial, Inc. operates as a financial and technology company, providing payments, factoring, and banking solutions. Market cap: $528M, Sector: Financial services.
Last analyzed: Mar 17, 2026Analyst Coverage for TFINP: TFINP does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates TFINP against Financial Services peers across nine fundamental dimensions and assigns a neutral fundamental signal based on the underlying data.
Triumph Financial, Inc. (TFINP) Financial Services Profile
Triumph Financial Inc. provides specialized financial solutions for the transportation industry, leveraging its TriumphPay platform and TBK Bank subsidiary. The company focuses on payments, factoring, and banking services, differentiating itself through technology-driven cash flow management for trucking businesses within the regional banking sector.
What Is the Investment Thesis for TFINP?
Triumph Financial presents a focused investment opportunity within the financial services sector, specifically targeting the transportation industry. The company's integrated platform, combining payments, factoring, and banking services, offers a compelling value proposition. With a market capitalization of $528M and a P/E ratio of 53.13, Triumph Financial's valuation reflects its growth potential and specialized market position. A key value driver is the continued adoption of the TriumphPay platform, which streamlines payments and cash flow management for trucking companies. The company's high gross margin of 87.6% indicates efficient operations and pricing power. However, investors may want to evaluate the company's relatively low profit margin of 5.1% and beta of 1.29, which suggests higher volatility compared to the broader market. Growth catalysts include expanding the TriumphPay network and increasing cross-selling opportunities across its banking and factoring services.
Based on FMP financials and quantitative analysis
TFINP Key Highlights
Market Cap of $528M indicates Triumph Financial's size and market value within the regional banking sector.
- P/E ratio of 53.13 reflects investor expectations for future earnings growth, though it is higher than some peers.
- Gross Margin of 87.6% demonstrates efficient operations and strong pricing power in its specialized services.
- Profit Margin of 5.1% suggests room for improvement in operational efficiency and cost management.
- Beta of 1.29 indicates that the stock is more volatile than the market average, potentially due to its focus on the cyclical transportation industry.
Who Are TFINP's Competitors?
TFINP is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| AMNB American National Bankshares Inc. | $47.76 | -0.33% | $508M | 56 |
| CSTR CapStar Financial Holdings, Inc. | $20.11 | +0.05% | $419M | 62 |
| EBTC Enterprise Bancorp, Inc., through its subsidiary Enterprise Bank and Trust Company, provides a range of commercial banking products and services. Founded in 1989 and headquartered in Lowell, Massachusetts, the company | $39.64 | -0.75% | $496M | 50 |
| FRC First Republic Bank | $3.51 | +0.00% | $654M | 52 |
| GNTY Guaranty Bancshares, Inc. | $48.75 | -0.87% | $553M | 50 |
| BWFG Bankwell Financial Group, Inc. | $66.06 | +0.64% | $527M | 93 |
| HBCP Home Bancorp, Inc. | $69.43 | -0.06% | $546M | 94 |
| OBT Orange County Bancorp, Inc. | $37.69 | -0.15% | $505M | 92 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are TFINP's Key Strengths?
Specialized focus on the transportation industry.
- Integrated platform of payments, factoring, and banking services.
- Strong relationships with trucking companies and freight brokers.
- Scalable technology platform through TriumphPay.
What Are TFINP's Weaknesses?
Relatively small market capitalization compared to larger regional banks.
- Concentration of business in the cyclical transportation industry.
- Lower profit margin compared to some peers.
- Higher beta indicating greater stock price volatility.
What Could Drive TFINP Stock Higher?
TFINP catalyst: Continued expansion of the TriumphPay network and increased adoption by trucking companies and freight brokers.
- Cross-selling initiatives to increase revenue from existing customers.
- Potential strategic acquisitions to expand geographic reach and service offerings.
- Investment in technological innovation to improve efficiency and customer experience.
What Are the Key Risks for TFINP?
Financial-distress signal — its Altman Z-Score of 0.16 sits in the distress zone (elevated bankruptcy risk).
- Weak fundamentals — a Piotroski F-Score of 3/9 flags soft profitability, leverage or efficiency.
- Economic downturn impacting the transportation industry and reducing demand for financial services.
- Increased competition from fintech companies and traditional banks.
- Regulatory changes affecting the financial services industry and increasing compliance costs.
- Cybersecurity risks and data breaches compromising sensitive customer data.
- Fluctuations in interest rates impacting profitability and lending activities.
What Are the Growth Opportunities for TFINP?
- Expansion of TriumphPay Network: TriumphPay's growth potential lies in expanding its network of trucking companies and freight brokers. The market for digital payments in the transportation industry is estimated to reach $100 billion by 2028. By increasing adoption of the TriumphPay platform, Triumph Financial can capture a larger share of this market, driving revenue growth and improving efficiency. The company's competitive advantage lies in its integrated platform and industry expertise, allowing it to offer tailored solutions to transportation businesses.
- Cross-Selling Opportunities: Triumph Financial can leverage its existing customer base to cross-sell its banking, factoring, and insurance services. The market for factoring services in the transportation industry is estimated at $50 billion annually. By offering a comprehensive suite of services, Triumph Financial can increase customer retention and generate additional revenue streams. The company's competitive advantage lies in its ability to provide a one-stop shop for transportation businesses' financial needs.
- Strategic Acquisitions: Triumph Financial can pursue strategic acquisitions to expand its geographic reach and service offerings. The market for regional banking is fragmented, with numerous smaller banks and financial institutions. By acquiring complementary businesses, Triumph Financial can increase its market share and diversify its revenue streams. The company's competitive advantage lies in its experience in integrating acquired businesses and leveraging its technology platform.
- Technological Innovation: Investing in technological innovation can drive growth and improve efficiency. The market for fintech solutions in the transportation industry is rapidly evolving, with new technologies emerging to streamline payments, lending, and risk management. By developing and implementing innovative solutions, Triumph Financial can differentiate itself from competitors and attract new customers. The company's competitive advantage lies in its focus on technology and its ability to adapt to changing market conditions.
- Expansion into New Geographies: Triumph Financial can expand its operations into new geographic markets to reach a wider customer base. The market for transportation-related financial services is national, with opportunities in various regions of the United States. By establishing a presence in new markets, Triumph Financial can increase its revenue and diversify its risk. The company's competitive advantage lies in its scalable business model and its ability to adapt to local market conditions.
What Are TFINP's Competitive Advantages?
- Specialized expertise in the transportation industry.
- Integrated platform combining payments, factoring, and banking services.
- Established relationships with trucking companies and freight brokers.
- Scalable technology platform through TriumphPay.
What Does TFINP Do?
Triumph Financial, Inc., established in 1981 and headquartered in Dallas, Texas, has evolved into a financial and technology company focused on providing specialized services to the transportation industry. Originally known as Triumph Bancorp, Inc., the company rebranded in December 2022 to reflect its broader scope. Triumph Financial operates through a portfolio of brands, including TriumphPay, a payments platform; Triumph, encompassing factoring and other financial services; and TBK Bank, its banking subsidiary. The company's core offerings include cash flow management solutions for the trucking industry, such as invoice factoring, fuel discount programs, truck and cargo insurance, and equipment finance. Additionally, Triumph Financial provides traditional banking and treasury services through TBK Bank. The company's integrated approach aims to streamline financial operations for transportation businesses, providing a comprehensive suite of services from payments processing to lending and insurance. Triumph Financial's focus on technology and industry specialization distinguishes it from traditional regional banks, positioning it as a key player in the financial services landscape for the transportation sector.
What Products and Services Does TFINP Offer?
- Provides cash flow management services for the trucking industry.
- Offers invoice factoring services to transportation companies.
- Provides fuel discount programs to trucking businesses.
- Offers truck and cargo insurance solutions.
- Provides equipment finance and asset-based lending.
- Offers banking and treasury services through TBK Bank.
- Operates the TriumphPay payments platform for the transportation industry.
How Does TFINP Make Money?
- Generates revenue through fees for factoring services.
- Earns interest income from loans and other lending activities.
- Collects fees for payment processing through the TriumphPay platform.
- Receives commissions from insurance products and services.
What Industry Does TFINP Operate In?
Triumph Financial operates within the regional banking sector, focusing on the transportation industry. The market for transportation-related financial services is driven by the demand for efficient payment processing, factoring, and lending solutions. The competitive landscape includes traditional banks, fintech companies, and specialized factoring firms. Triumph Financial differentiates itself through its integrated platform and industry expertise. The regional banking sector is subject to regulatory oversight and economic cycles, impacting growth and profitability. The company's focus on technology and specialization positions it to capitalize on the increasing demand for streamlined financial solutions in the transportation industry.
Who Are TFINP's Key Customers?
- Trucking companies of all sizes.
- Freight brokers and shippers.
- Small to medium-sized businesses in the transportation industry.
- Individuals seeking banking and treasury services through TBK Bank.
Key Financial Metrics
Return on equity for Triumph Financial, Inc. stands at 3.8%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.5%, showing how much profit it generates from its asset base. TFINP trades at a trailing price-to-earnings ratio of 14.98, below the Financial Services sector average of ~18x. Its free cash flow yield is 3.0%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.00 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 6.7%, the inverse of the P/E and a quick read on earnings relative to price.
Triumph Financial, Inc. (TFINP) Valuation Context
Valued at $528M, TFINP is classified as a small-cap stock.
Company Profile
Triumph Financial, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Dallas, US. The company is led by CEO Aaron P. Graft. TFINP has traded publicly since 2020.
Financial Health
Triumph Financial, Inc.'s Piotroski F-Score is 3/9, a 9-point checklist of profitability, leverage and efficiency — flagging fundamental weakness worth scrutiny. Its Altman Z-Score of 0.16 places it in the distress zone, a signal of elevated financial risk.
Forward Outlook
Wall Street analysts project Triumph Financial, Inc. revenue of about $499.6M for fiscal 2026, with EPS near $1.95. The estimate reflects 5 contributing analysts.
Insider Activity
Over the past six months, Triumph Financial, Inc. insiders filed 15 SEC Form 4 transactions — 5 sales and 10 purchases. On net that is roughly 49K shares acquired (about $1.0M) — insiders putting money in tends to read as conviction.
TFINP Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in Triumph Financial's growth potential, signaling that leadership believes in the company's future.
- Community sentiment has shifted positively, with discussions around strategic partnerships and expansion plans gaining traction.
- The financial sector is showing signs of recovery, and Triumph could benefit from a broader market rebound as investors seek opportunities in solid companies.
- Increased focus on digital banking solutions aligns with consumer trends, positioning Triumph to capture new market segments effectively.
Bear Case
- Concerns over rising interest rates could impact Triumph's lending margins, leading to cautious sentiment among investors.
- Recent earnings reports have shown mixed results, raising questions about the company's ability to sustain growth in a competitive landscape.
- Community discussions highlight skepticism regarding the scalability of Triumph's business model, with some investors wary of its long-term viability.
- Market perception remains cautious, as broader economic uncertainties continue to loom, leading to hesitation in bullish sentiment.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
TFINP Latest News
No recent news available for TFINP.
Leadership: Aaron P. Graft
CEO
Aaron P. Graft serves as the CEO of Triumph Financial, Inc. His career reflects a deep understanding of financial services and strategic leadership. He has been instrumental in guiding Triumph Financial's growth and evolution into a technology-driven financial services provider focused on the transportation industry. Graft's background includes experience in banking, finance, and strategic planning. He has a proven track record of driving innovation and building strong relationships with customers and partners.
Track Record: Under Aaron P. Graft's leadership, Triumph Financial has successfully launched and expanded the TriumphPay platform, transforming the company into a leading provider of payment solutions for the transportation industry. He has also overseen the growth of TBK Bank and the expansion of the company's factoring and insurance services. Graft's strategic decisions have positioned Triumph Financial for continued growth and success in the evolving financial services landscape.
Triumph Financial, Inc. Financial Services Stock: Key Questions Answered
What happened to Triumph Financial, Inc. (TFINP) stock?
Triumph Financial, Inc. (TFINP) no longer trades on public markets. It was delisted in February 2026. The figures below are historical and are not a current quote.
Can I still buy TFINP shares?
No. TFINP stopped trading on public markets in February 2026, so the shares are not available through a broker. Anything you see quoted for TFINP elsewhere is historical data, not a live market.
Are the figures on this page current?
No. Every number here is the last value recorded before TFINP stopped trading. Nothing on this page updates, and none of it is a current quote.
Why does this page still exist?
Because people still search for what happened to Triumph Financial, Inc.. An archived profile that states the delisting plainly is more useful than a dead link — provided it is labelled as history, which is what this page does.
What does Triumph Financial, Inc. do?
Triumph Financial, Inc. operates as a financial and technology company, providing a suite of services primarily focused on the transportation industry. Through its brands like TriumphPay, Triumph, and TBK Bank, the company offers cash flow management solutions, including invoice factoring, fuel discount programs, insurance, and equipment finance. TriumphPay, its payments platform, streamlines transactions between trucking companies and freight brokers.
What are the main risks for TFINP?
Triumph Financial faces several risks, including the cyclical nature of the transportation industry, which can impact demand for its services during economic downturns. Increased competition from fintech companies and traditional banks could erode market share. Regulatory changes in the financial services industry may increase compliance costs. Cybersecurity risks and data breaches pose a threat to sensitive customer data.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Financial data is based on the most recent available information.
- AI analysis is pending for further insights.
- Industry context is based on general market trends and may not reflect all specific factors.