TRIUMPH FINANCIAL INC (TFIN)
Financials · specialized finance / banking · NYSE
Triumph Financial is a specialized financial holding company focused on providing integrated payment, factoring, and banking solutions for the transportation sector.
What TRIUMPH FINANCIAL INC does
Triumph Financial, Inc. is a financial services holding company that provides payments, factoring, and traditional banking services. The company specializes in integrated solutions for the transportation industry, including freight factoring and payment processing platforms.
Themes: transportation payments, freight factoring, fintech banking
Fundamentals
- Price$62.78 as of 2026-10-08 close
- Market cap$1.5B as of 2026-07-17 (share count; price 2026-10-08)
- 1-year return+29.3% 2025-10-08 close $48.57 → 2026-10-08 close $62.78
- P/E39.06 as of 2026-10-08
- ROE+2.7% FY2025, SEC XBRL
- Debt / equity0.12 as of 2026-09-02
- Revenue growth (YoY)-0.2% as of 2026-09-02
- Beta1.29 as of 2026-09-02
- Last reported earnings2026-07-21 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +0.2%; pays a dividend.
How TFIN compares in its sector
- price-to-earnings ratiotop 10% 513 covered Financials peers, as of 2026-10-08
- return on equitybottom 25% 559 covered Financials peers, as of 2026-09-02
- indicated dividend yieldbottom 10% 468 covered Financials peers, as of 2026-09-02
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Dividend coverage (FY2025)
Covered by reported results. In FY2025, TFIN's dividend was covered by reported results (earnings payout 13%, operating-cash-flow payout 5%). This describes past coverage, not a forecast.
- Earnings payout13% dividends / net income
- Operating-cash-flow payout5% dividends / operating cash flow — capital spending was not reported, so this does not subtract it
Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.
How TRIUMPH FINANCIAL INC looks technically
TRIUMPH FINANCIAL INC (TFIN) is trading 6.8% below its 200-day average, the long-term trend line — a long-term downtrend. Its 50-day average crossed above its 200-day average about 192 trading days ago — a "golden cross", a bullish long-term signal. A strong downtrend is in place — ADX, a 0–100 trend-strength gauge, is 43, with sellers in control. Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 42, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bullish about 6 trading days ago (its momentum flipped positive). It made a new 20-day low about 7 trading days ago. It is 24.8% below its highest point of the past year.
Trend
8
| Distance from the 200-day | it is trading 6.8% below its 200-day average, the long-term trend line — a long-term downtrend | -6.8% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $69.20 | $69.20 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $67.37 | $67.37 |
| Swing structure | each recent peak has been lower than the one before it and each dip deeper — the pattern chart-watchers call a downtrend, which describes where price has already been and not where it goes next | lower highs and lower lows |
| Last swing turn | its last significant turn was a swing low 7 calendar days ago — the swings before that are what the structure reading is measured on | 7 sessions |
| Wave structure | its recent swings can be read as a five-part downward sequence — what Elliott-wave chartists call an impulse — now in the fourth leg, a pullback against that downward direction; the labelling fails if price closes above 74.35. It is one of several labellings that fit, and it describes the swings already printed, not what comes next. The same swings also read as a completed three-part correction. | possible downward five-wave sequence, in wave 4 (one of several readings) |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 192 trading days ago — a "golden cross", a bullish long-term signal | 192 sessions |
| Trend strength (14-day ADX) | a strong downtrend is in place — ADX, a 0–100 trend-strength gauge, is 43, with sellers in control | 42.5 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 42, neither overbought (above 70) nor oversold (below 30) | 41.6 |
|---|---|---|
| Position in its 14-day range | it is trading near the top of its 14-day range ($59.01 to $63.47) — its "stochastic" reading is 85 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions. | 84.5 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, turned bullish about 6 trading days ago (its momentum flipped positive) | 6 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $83.52 | $83.52 |
|---|---|---|
| From the 52-week high | it is 24.8% below its 52-week high (its highest price of the past year) | -24.8% |
| Above the 52-week low | it is 35.2% above its 52-week low (its lowest price of the past year) | +35.2% |
| Below the 52-week high | it is 24.8% below its highest point of the past year | 24.8% |
| Since a 20-day breakout | it made a new 20-day low about 7 trading days ago | 7 sessions |
| Since a 55-day breakout | it made a new 55-day low about 7 trading days ago | 7 sessions |
| All-time high | its highest closing price on record is $136.01 (set on 2021-12-07) | $136.01 |
| Given back of the 52-week move | over the past year its closes ranged ($46.95 to $81.08), and it has given back around half of its rise from last year’s low — 54% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $58.90 to $59.99. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 53.6% |
| From the all-time high | it is 53.8% below its all-time high | -53.8% |
| Nearest price level | it is trading 1.1% above a support level at $62.11 — a price it turned at four times since 2025-06-10, most recently on 2026-03-03. Since 2024-10-08 it has 7 such levels below the current price and 9 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | -1.1% |
| All-time low | its lowest closing price on record is $11.93 (set on 2015-02-09) | $11.93 |
| Above the all-time low | it is 426.2% above its all-time low | +426.2% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are narrower than usual versus its own recent 6-month history (tighter than about 74% of it) | 26th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $1.79 between its high and its low — about 2.9% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $1.79 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $59.02 and $65.69 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $59.02 – $62.36 – $65.69 |
| Typical daily range (% of price) | its price moves about 2.9% in a typical session — calmer than most companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 2.9% |
| Stretch from the 200-day average | it is trading 2.6 daily ranges below its 200-day average price (6.8% below it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 2.6 daily ranges below its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 1.19× |
|---|
Analyst
2
| Change in the average price target | analysts have cut their average price target by 3.7% since the prior reading | -3.7% |
|---|---|---|
| Change in the consensus rating | the analyst consensus rating has improved toward "buy" since the prior reading | 0.40 toward buy |
Candlestick patterns
2
| Since a doji | 6 sessions ago it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | 6 sessions ago |
|---|---|---|
| Since a bullish engulfing | 5 sessions ago it opened below the previous session's close and finished above that session's open — a "bullish engulfing" pair, where one up day more than undid the down day before it | 5 sessions ago |
Price gaps
2
| Gap at the open | it opened on 2026-10-08 0.7% below the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | -0.7% |
|---|---|---|
| Gap filled | a 2.4% gap up opened on 2026-10-02 has been "filled" 1 session ago — price traded back through the level the gap left behind, and it took 3 sessions to close | 1 session ago |
Price streaks
1
| Closing streak | it closed higher in its latest session, after a session that did not close higher — a single up day rather than a run | 1 session up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 9.8 percentage points (the stock lost 8.8% while the market gained 1.0%) | -9.8% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock lagged the market by 19.7 percentage points (the stock lost 15.9% while the market gained 3.8%) | -19.7% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 14.2 percentage points (the stock gained 3.3% while the market gained 17.5%) | -14.2% |
| vs market, 12 months | over the past 12 months this stock beat the market by 14.3 percentage points (the stock gained 29.3% while the market gained 15.0%) | +14.3% |
Signal agreement
2
| Bullish technical signals | 2 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, MACD momentum is positive — these describe past price behaviour, not a forecast | 2 of 9 |
|---|---|---|
| Bearish technical signals | 5 of the 9 technical signals we can compute for it are currently in a bearish state: trading below its 200-day average, a strong downtrend, with sellers in control, lagging the market over 6 months, near the top of its 14-day range (overbought), trading below the Ichimoku cloud — these describe past price behaviour, not a forecast | 5 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 15% below the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-09-01 and projected forward over today's price, the side traders read as an established downtrend, with the band above acting as the level that would have to be cleared. The band itself is moderate, spanning 4.4% of the share price. | -14.7% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 8% below the average price paid so far this year, so the typical buyer over that stretch is under water. That average is $67.90 — a volume-weighted average of daily closes over 188 sessions, not a true tick-by-tick VWAP. | -7.5% |
|---|---|---|
| Vs the average paid since it last reported | the price is 10% below the average price paid since it last reported on 2026-07-21 (its 10-Q), so the typical buyer over that stretch is under water. That average is $69.95 — a volume-weighted average of daily closes over 57 sessions, not a true tick-by-tick VWAP. | -10.3% |
Price levels it has turned at before
TFIN last closed at $62.78 on 2026-10-08. Since 2024-10-08 it has turned at 7 prices below its last close and 9 above; the 3 nearest below and the 3 nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $62.11 | Support | 1.1% below the last close | turned there four times · 2025-06-10 to 2026-03-03 |
| $60.71 | Support | 3.3% below the last close | turned there three times · 2025-09-18 to 2026-05-15 |
| $65.52 | Resistance | 4.4% above the last close | turned there five times · 2025-03-19 to 2026-04-09 |
| $59.46 | Support | 5.3% below the last close | turned there three times · 2025-09-02 to 2026-10-01 |
| $67.45 | Resistance | 7.5% above the last close | turned there three times · 2025-02-21 to 2026-06-03 |
| $69.43 | Resistance | 10.6% above the last close | turned there twice · 2026-04-28 to 2026-05-06 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
Its recent swings can be read as a five-part downward sequence — what Elliott-wave chartists call an impulse — now in leg 4 of five, a pullback against that direction.
This labelling fails — stops being a possible reading at all — if it closes above $74.35.
This is one of several labellings that fit the same swings, so treat it as a reading rather than the reading. It was chosen from 2 labellings that survived the rules, counting shorter readings of the same bars.
On past moves of this shape the leg has usually ended somewhere between $63.70 and $68.95 — that is where it has tended to end if the count holds, not a forecast of where the price goes.
Alternate reading: The same swings also read as a completed three-part correction, which fails on a close below $59.01.
This reading has stood for 1 trading day, since 2026-10-08.
Read from daily closes as of 2026-10-08.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading below the 200-day moving average · Pulled back from the 12-month high · Analyst price target recently CUT · lagging the market · At the top of its 14-day range (stochastic above 80) · Under water since its last earnings report (below the anchored VWAP) | Learn: moving average · golden cross · adx · rsi · macd · breakout · fifty two week high low
Based on daily closing prices as of 2026-10-08. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Consensus ratingBuy (2.40 mean, 1=Strong Buy…5=Strong Sell) — 5 analysts
- Mean price target$77.60 range $67.00 – $88.00; median $82.00
Analyst estimates, as of 2026-10-06. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for TFIN
- Consensus EPS estimate$0.612 next reporting period, as of 2026-10-06
- Estimate change, 30 days+$0.01 (+1.7%) from $0.602, on 2026-09-01, 35-day window
- Readings revised upward13% of 8 comparable readings
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["credit risk related to factored receivables and loan portfolio","interest rate sensitivity and net interest margin compression","reliance on technology and software platforms for payment processing"]
What changed in the latest 10-Q
AI-assisted comparison of TFIN's 10-Q filed 2026-04-21 against the prior one filed 2025-10-15.
Management's Discussion & Analysis (MD&A)
- Added:
- Reference to annual report for year ended December 31, 2025 (newer filing, filed 2026-04-21)
- Consolidated total assets of $6.877 billion as of March 31, 2026 (newer filing)
- Total loans held for investment of $5.189 billion as of March 31, 2026 (newer filing)
- Total deposits of $5.700 billion as of March 31, 2026 (newer filing)
- Total stockholders' equity of $950.7 million as of March 31, 2026 (newer filing)
- Statement that LoadPay provides 'small business transactional accounts' (newer filing, filed 2026-04-21)
- Reference to acquisition of 'Greenscreens AI. Inc.' with description 'during the quarter ended June 30, 2025' (newer filing)
- Removed:
- Reference to annual report for year ended December 31, 2024 (older filing, filed 2025-10-15)
- Consolidated total assets of $6.357 billion as of September 30, 2025 (older filing)
- Total loans held for investment of $4.987 billion as of September 30, 2025 (older filing)
- Total deposits of $4.955 billion as of September 30, 2025 (older filing)
- Total stockholders' equity of $919.3 million as of September 30, 2025 (older filing)
- Statement 'two full-service branches in Dallas, Texas' changed to 'two full-service branches' (older filing stated two branches)
- Description of 'asset-based lending and equipment lending products are offered on a nationwide basis and generate attractive returns' (older filing, filed 2025-10-15)
- Reference to 'purchase liquid credit lending products on a nationwide basis' (older filing, filed 2025-10-15)
- Statement that LoadPay provides 'small business checking accounts' (older filing, filed 2025-10-15)
- Reference to 'During 2024, we introduced our LoadPay product' (older filing)
- Description 'acquisition of the assets of Isometric Technologies Inc.' (older filing, filed 2025-10-15)
- Reference to 'During the second quarter of 2025, we also acquired Greenscreens AI, Inc. ("Greenscreens")' with full company name format (older filing)
- Reworded:
- Dallas banking location described as 'two full-service branches in Dallas, Texas' (older) changed to 'two full-service branches in Dallas, Texas' (newer) - both versions state two branches but older more explicitly stated 'two'
- LoadPay product account type changed from 'small business checking accounts' (older, filed 2025-10-15) to 'small business transactional accounts' (newer, filed 2026-04-21)
- Isometric Technologies acquisition description changed from 'acquisition of the assets of Isometric Technologies Inc.' (older) to 'acquisition of Isometric Technologies Inc.' (newer), removing reference to 'assets of'
- Greenscreens acquisition timing and naming changed from 'During the second quarter of 2025, we also acquired Greenscreens AI, Inc. ("Greenscreens"), a company' (older) to 'our acquisition of Greenscreens AI. Inc., a pricing solution' (newer), with period placement change in company name and restructured syntax
- Intelligence business description changed from 'Intelligence operates in a highly specialized niche' (older) to 'Our Intelligence business operates in a highly specialized niche' (newer)
- Notes:
- Both filings appear truncated at the end of the Overview section; comparison limited to complete text
- Reference to Dallas branches: older filing explicitly stated 'two full-service branches' while newer states 'two full-service branches' but in different sectional context
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
0 open-market purchases and 2 open-market sales by insiders in the last 90 days, of which we have read Form 4 filings through 2026-10-04. The 5 days since 2026-10-04 have not been checked yet.
- Last 90 days · read to 2026-10-040 buys · 2 sells ($510313) — 2 selling insiders
- Last 180 days · read to 2026-10-041 buy ($469070) · 3 sells ($703743) — 1 buying, 2 selling insiders
Activity heuristic: net selling (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-08-20. Based on Form 4 filings read through 2026-10-04; anything filed since is not yet included.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about TFIN's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
4 institutional 13F filers reported holding TFIN as of 2026-06-30 (quarter-end position, filed within 45 days).
- Distinct 13F filers 4
- Reported shares held 6,246,228
- Reported value $476,649,675
reported quarterly holdings change (2026-03-31 → 2026-06-30): 0 new, 4 increased, 0 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Ask about TFIN's institutional holders → See what each manager we track holds →
Short interest (FINRA)
TFIN had 2,439,540 shares of reported short interest as of the 2026-09-15 FINRA settlement date (delayed, bi-monthly; not real-time).
TFIN had 10.2% of its shares outstanding sold short as of the 2026-09-15 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 11.59 days to cover at the same settlement.
- Reported short interest (shares) 2,439,540
- Short interest (% of shares outstanding) 10.2%
- Prior settlement (shares) 2,297,060
- Reported change 6.2%
- Days to cover (reported) 11.59
Reported to FINRA as of the 2026-09-15 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- Axos Financial (AX)
- Live Oak Bancshares (LOB)
- Cross River Bank
- WEX Inc. (WEX)
- FleetCor Technologies (FLT)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
Compare TFIN vs…
Frequently asked questions
What does TRIUMPH FINANCIAL INC (TFIN) do?
Triumph Financial, Inc. is a financial services holding company that provides payments, factoring, and traditional banking services. The company specializes in integrated solutions for the transportation industry, including freight factoring and payment processing platforms.
What sector is TRIUMPH FINANCIAL INC (TFIN) in?
TRIUMPH FINANCIAL INC (TFIN) is classified in the Financials sector. Its industry is specialized finance / banking. It trades on NYSE.
Does TFIN pay a dividend?
Yes — TRIUMPH FINANCIAL INC (TFIN) pays a dividend, with an indicated yield of about 0.17% (market data, as of 2026-09-02). Informational only — not financial advice.
Who are TRIUMPH FINANCIAL INC's (TFIN) competitors?
Notable peers of TRIUMPH FINANCIAL INC (TFIN) include Axos Financial, Live Oak Bancshares, Cross River Bank, WEX Inc. and FleetCor Technologies. This peer set is informational only — not financial advice.
Is TRIUMPH FINANCIAL INC (TFIN) overbought or oversold right now?
TRIUMPH FINANCIAL INC (TFIN) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 42, in the neutral middle (as of 2026-10-08). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on TFIN come from?
Fundamentals come from SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-02 for the rest; prices are market data, as of 2026-09-02; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-02 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-10-08.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.