Triumph/$TFIN

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About Triumph

Triumph Financial Inc is a financial holding company based in the United States. Along with its subsidiaries, the company operates in four reportable segments: Banking, Factoring, Payments, and Intelligence. The Banking segment, which generates maximum revenue, includes the operations of TBK Bank, offering traditional banking services. The Factoring segment provides working capital solutions to the trucking industry through the purchase of invoices generated by carriers at a discount. The Payments segment provides payment, audit, and other banking services for the over-the-road trucking industry, and the Intelligence segment operates to turn the over-the-road trucking data collected through the services offered into actionable insights for its customers.
Ticker
$TFIN
Sector
Finance
Primary listing
NYSE
Employees
1,442
Headquarters
Dallas, United States
Website
triumph.io

Triumph Metrics

BasicAdvanced
$1.5B
42.69
$1.48
1.39
-

Bulls say / Bears say

Second-quarter momentum was strong: transportation revenue grew 30.9% year on year, net income available to common shareholders nearly tripled to $10.6 million, and Factoring’s operating margin rose to 39.4%, close to its 40% long-term target. (StockTitan, MarketScreener)
Triumph is scaling its payments network beyond traditional banking. Payments revenue rose 29.4% year on year, LoadPay revenue increased 49.2%, and LoadPay accounts exceeded 10,000, creating scope for cross-selling factoring, banking and intelligence tools. (StockTitan, Defense World)
Funding efficiency is improving as the bank adds servicing deposits and reduces wholesale funding. Triumph added about $600 million of mortgage-warehouse deposits in the second quarter, helping replace costlier FHLB advances and brokered deposits while supporting a 6.15% net interest margin. (MarketScreener, StockTitan)
Credit risk is rising: non-performing loans and factored receivables reached $90.5 million at the end of June, up from $57.6 million at 2025 year-end. Triumph also has exposure to the bankrupt Tricolor borrower, where disputed collateral priorities could cause a material loss. (StockTitan, Last10K)
The earnings recovery remains sensitive to freight prices. Management says a $100 change in average invoice prices moves annual pre-tax income by about $7 million, leaving factoring profits exposed if the recent freight-market improvement reverses. (MarketScreener, FreightWaves)
The newer growth bets still consume earnings. LoadPay and Intelligence are not yet profitable, while Payments EBITDA excluding LoadPay was 34% against a long-term target above 50% and Intelligence reported an 81.7% negative EBITDA margin in the second quarter. (StockTitan, Longbridge)
Data summarised monthly by Lightyear AI. Last updated on 19 Sept 2026.

Triumph News

AllArticlesVideos

Triumph Financial Q2 Earnings Call Highlights

MarketBeat2 months ago

Triumph Announces Schedule for Second Quarter 2026 Earnings Release and Conference Call

Business Wire2 months ago

Triumph Launches RFP Manager, Leveraging Real Freight Transaction Data to Improve Contract Pricing

Business Wire3 months ago

Funds containing Triumph

Funds
Fund name
Fund size
$TFIN weighting
SPDR Russell 2000 US Small Cap€R2US
€4.8B0.05%
SPDR MSCI All Country World IM€SPYI
€7.5B0.00%
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