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Upturn AI SWOT - About
Triumph Financial Inc (TFIN)
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Upturn Advisory Summary
04/01/2025: TFIN (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit -25.04% | Avg. Invested days 29 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.38B USD | Price to earnings Ratio 107.04 | 1Y Target Price 76.5 |
Price to earnings Ratio 107.04 | 1Y Target Price 76.5 | ||
Volume (30-day avg) 204644 | Beta 1.22 | 52 Weeks Range 56.50 - 110.58 | Updated Date 04/1/2025 |
52 Weeks Range 56.50 - 110.58 | Updated Date 04/1/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.54 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 4.06% | Operating Margin (TTM) 10.9% |
Management Effectiveness
Return on Assets (TTM) 0.29% | Return on Equity (TTM) 1.83% |
Valuation
Trailing PE 107.04 | Forward PE - | Enterprise Value 1237212544 | Price to Sales(TTM) 3.48 |
Enterprise Value 1237212544 | Price to Sales(TTM) 3.48 | ||
Enterprise Value to Revenue 3.71 | Enterprise Value to EBITDA - | Shares Outstanding 23420300 | Shares Floating 22175479 |
Shares Outstanding 23420300 | Shares Floating 22175479 | ||
Percent Insiders 5.5 | Percent Institutions 93.77 |
Analyst Ratings
Rating 2.8 | Target Price 89.75 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold 4 | Sell 1 | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Triumph Financial Inc
Company Overview
History and Background
Triumph Financial, Inc. was founded in 2006. Initially focused on factoring for the transportation industry, it has expanded through organic growth and acquisitions to offer a broader range of financial services. Key milestones include its IPO in 2014 and strategic acquisitions to diversify its offerings.
Core Business Areas
- Transportation Factoring: Provides factoring services to transportation companies, purchasing invoices at a discount to provide immediate cash flow.
- Equipment Lending: Offers financing for transportation equipment, including trucks and trailers.
- Insurance: Provides insurance products, including commercial property, casualty, and worker's compensation.
- Bank: Community banking with lending and deposit products.
Leadership and Structure
Aaron P. Graft serves as the CEO. The company operates with a board of directors overseeing management. Its organizational structure is segmented by business line, with separate teams for factoring, lending, and insurance.
Top Products and Market Share
Key Offerings
- Factoring Services: Triumph provides freight factoring, where they advance funds on invoices for trucking companies. Market share data is not readily available. Competitors include RTS Financial, OTR Capital, and eCapital. Revenue from factoring accounts for a significant portion of Triumph's total revenue.
- Commercial Vehicle Lending: Triumph offers direct lending for commercial trucks and other equipment. Specific market share information is not published. Competitors in this space include Daimler Truck Financial and Hitachi Capital America. Revenue is another significant portion of Triumph's business.
- Insurance Products: Triumph offers an array of insurance products to its customers. Specific market share information is not published. Competitors in this space include Progressive Commercial and Berkshire Hathaway GUARD Insurance Companies. Revenue is smaller than the other 2 offerings above.
Market Dynamics
Industry Overview
The transportation finance industry is driven by the need for cash flow solutions for trucking companies and demand for vehicle financing. It is competitive and sensitive to economic cycles.
Positioning
Triumph Financial is a niche player specializing in the transportation sector, providing a range of financial services tailored to the industry's needs. Its competitive advantage lies in its industry expertise and integrated platform.
Total Addressable Market (TAM)
The TAM for transportation finance is estimated in the billions of dollars annually. Triumph Financial is positioned to capture a portion of this TAM by focusing on small to medium sized trucking businesses. Due to the fragmented customer-base, no single company owns the majority of the TAM, however, the TAM is evergrowing in this market.
Upturn SWOT Analysis
Strengths
- Industry Expertise
- Diversified Product Portfolio
- Established Relationships in the Transportation Sector
- Integrated Financial Platform
Weaknesses
- Reliance on the Transportation Industry
- Higher Credit Risk Compared to Traditional Banks
- Sensitivity to Economic Downturns
Opportunities
- Expansion into New Transportation-Related Services
- Increased Adoption of Digital Financial Solutions
- Strategic Acquisitions to Expand Market Share
Threats
- Economic Recessions Impacting Transportation Volumes
- Increased Competition from Fintech Companies
- Changes in Regulations Affecting the Transportation Industry
Competitors and Market Share
Key Competitors
- FHN
- WAFD
- CMA
Competitive Landscape
Triumph Financial competes with larger financial institutions and specialized transportation finance providers. Its niche focus and integrated platform provide a competitive advantage, but it faces challenges from larger competitors with greater resources.
Major Acquisitions
HUB International Transportation Insurance Services
- Year: 2016
- Acquisition Price (USD millions): 63.4
- Strategic Rationale: Expanded insurance offerings for transportation clients.
Growth Trajectory and Initiatives
Historical Growth: Analyze past revenue growth, acquisitions, and market expansions.
Future Projections: Consult analyst reports for revenue and earnings growth projections.
Recent Initiatives: Track strategic initiatives like new product launches or partnerships from news and company announcements.
Summary
Triumph Financial is a niche financial services provider focused on the transportation industry, offering factoring, lending, and insurance. Its strength lies in industry expertise, but reliance on the transportation sector is a risk. Growth depends on expanding services and managing competition, and Triumph Financial needs to look out for economic downturns, which would significantly impact the customer base. Overall, it's a reasonably positioned company in a specialized market.
Similar Companies
CMA
Comerica Inc
CMA
Comerica Inc
FFWM
First Foundation Inc.
FFWM
First Foundation Inc.
FHN
First Horizon National Corporation
FHN
First Horizon National Corporation
WAFD
Washington Federal Inc
WAFD
Washington Federal Inc
Sources and Disclaimers
Data Sources:
- Company filings
- Financial news sources
- Analyst reports
Disclaimers:
This analysis is based on publicly available information and analyst estimates. Financial data is subject to change. This is not financial advice.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Triumph Financial Inc
Exchange NASDAQ | Headquaters Dallas, TX, United States | ||
IPO Launch date 2014-11-07 | Founder, Vice Chairman, President & CEO Mr. Aaron P. Graft J.D. | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 1553 | Website https://www.tfin.com |
Full time employees 1553 | Website https://www.tfin.com | ||
Triumph Financial, Inc., a financial holding company, provides banking, factoring, payments, and intelligence services in the United States. 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; payments services offered through TriumphPay platform, a payments network 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.
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