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Upturn AI SWOT - About
Triumph Financial Inc (TFINP)
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Upturn Advisory Summary
04/01/2025: TFINP (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
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -7.39% | Avg. Invested days 52 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size ETF | Market Capitalization 0 USD | Price to earnings Ratio - | 1Y Target Price - |
Price to earnings Ratio - | 1Y Target Price - | ||
Volume (30-day avg) 3346 | Beta 1.22 | 52 Weeks Range 19.74 - 23.48 | Updated Date 04/1/2025 |
52 Weeks Range 19.74 - 23.48 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 8.15% | Basic EPS (TTM) - |
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 - | Forward PE - | Enterprise Value 397380192 | Price to Sales(TTM) - |
Enterprise Value 397380192 | Price to Sales(TTM) - | ||
Enterprise Value to Revenue - | Enterprise Value to EBITDA - | Shares Outstanding - | Shares Floating 22175479 |
Shares Outstanding - | Shares Floating 22175479 | ||
Percent Insiders - | Percent Institutions - |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Triumph Financial Inc
Company Overview
History and Background
Triumph Financial, Inc. (TFSL) was founded in 2010 and is headquartered in Dallas, Texas. It began as a commercial finance company focused on transportation and has since expanded into a diversified financial services firm. Key milestones include its IPO in 2014 and strategic acquisitions to broaden its service offerings.
Core Business Areas
- Transportation Finance: Provides factoring, equipment lending, and other financial services to the transportation industry, primarily trucking companies.
- Banking: Offers a range of commercial banking products and services, including deposit accounts, loans, and treasury management services through Triumph Community Bank.
- Insurance: Provides insurance solutions mainly for the trucking industry.
Leadership and Structure
Aaron P. Graft serves as the CEO. The organizational structure includes distinct business units for transportation finance, banking, and insurance, each led by senior executives reporting to the CEO. A board of directors provides oversight.
Top Products and Market Share
Key Offerings
- Factoring: Triumph Business Capital provides factoring services to trucking companies, purchasing their invoices at a discount. Market share is difficult to pinpoint exactly, but they are a significant player in the fragmented transportation factoring market. Competitors include Apex Capital, Tab Bank, and numerous smaller factoring companies. Revenue is significant, but fluctuates with freight volumes.
- Equipment Lending: Offers loans and leases for trucks and trailers. Market share data is not readily available. Competitors include Daimler Truck Financial, Paccar Financial, and various regional lenders. Revenue is dependent on interest rates and credit spreads.
- Deposit Services: Offers deposit accounts and banking services to businesses. A number of competitors including Bank of America, Wells Fargo and Chase. Competitors and market share information not readily available.
Market Dynamics
Industry Overview
The transportation finance industry is characterized by fragmentation, cyclicality, and reliance on economic activity. The banking industry is highly competitive and regulated. The insurance segment is seeing increased rates due to inflation and higher losses.
Positioning
Triumph Financial is positioned as a one-stop-shop for transportation-related financial services, aiming to cross-sell its products and build long-term relationships with trucking companies. Their diversified revenue stream provides some resilience against economic downturns.
Total Addressable Market (TAM)
The total addressable market across factoring, equipment finance, and banking within the transportation sector is estimated to be in the hundreds of billions of dollars. Triumph Financial is well-positioned to capture a larger share through organic growth and strategic acquisitions.
Upturn SWOT Analysis
Strengths
- Diversified revenue streams (factoring, banking, equipment finance, insurance)
- Deep industry expertise in transportation
- Strong relationships with trucking companies
- Technology-driven platform for factoring
- Experienced management team
Weaknesses
- Exposure to cyclicality of the transportation industry
- Credit risk associated with lending to trucking companies
- Dependence on economic conditions
- Relatively smaller size compared to major banks
- Integration risks associated with acquisitions
Opportunities
- Consolidation of the fragmented transportation finance market
- Expansion into new geographic areas
- Development of new financial products and services
- Increased adoption of technology in transportation finance
- Cross-selling opportunities across business segments
Threats
- Economic recession leading to lower freight volumes and increased defaults
- Rising interest rates increasing borrowing costs
- Increased competition from larger banks and fintech companies
- Changes in regulations impacting the transportation industry
- Disruptive technologies changing the way freight is managed
Competitors and Market Share
Key Competitors
- WAFD
- FCFS
- WTFC
- CULP
Competitive Landscape
Triumph Financial competes with a mix of larger banks, specialized transportation finance companies, and fintech lenders. Its competitive advantages include its deep industry expertise, diversified product offerings, and technology-driven platform.
Major Acquisitions
TriumphPay
- Year: 2020
- Acquisition Price (USD millions): 97
- Strategic Rationale: To expand its payment processing capabilities and integrate them with its factoring services.
Growth Trajectory and Initiatives
Historical Growth: Triumph Financial has experienced strong growth in recent years through both organic initiatives and acquisitions.
Future Projections: Analyst estimates suggest continued growth in revenue and earnings, driven by the expansion of its transportation finance business and banking operations. Exact numbers require access to financial data sources.
Recent Initiatives: Recent initiatives include expanding its factoring services, investing in technology, and acquiring businesses to strengthen its market position.
Summary
Triumph Financial is a diversified financial services firm with a strong focus on the transportation industry. While its diversified revenue and strategic acquisitions support growth, the company remains susceptible to the cyclical nature of the transportation sector. Triumph needs to manage its credit risk and integrate acquisitions effectively to sustain its growth trajectory. Overall, Triumph Financial looks to be strong financial company.
Similar Companies
CULP
Culp Inc
CULP
Culp Inc
FCFS
FirstCash Inc
FCFS
FirstCash Inc
WAFD
Washington Federal Inc
WAFD
Washington Federal Inc
WTFC
Wintrust Financial Corporation
WTFC
Wintrust Financial Corporation
Sources and Disclaimers
Data Sources:
- Company filings
- Analyst reports
- Industry publications
- SEC filings
Disclaimers:
This analysis is based on available information and should not be considered financial advice. Market conditions can change rapidly, affecting the accuracy of this assessment.
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 2020-06-18 | 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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