TFINTriumph Financial, Inc.
State Commercial Banks
- Revenue
- —
- Operating margin
- —
- EBITDA
- —
- Market cap
- $1.5B
- Employees
- —
- Net debt / EBITDA
- —
- −$1.0B net debt
- AI in 10-K
- 2.1
- mentions per 10K words
Takeover score 2 of 13
Fixable underperformance 1 of 7
- TSR below peersNo—3+ of last 5 years
- High CEO pay despite TSRNo—Median CEO pay ≥ $15M while TSR trails
- Earnings not backed by cashNo264% of net incomeCash flow under 80% of net income
- Dilutive SBCNo—Over 10% of revenue
- Payouts exceed cash flowNo8% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyNo5% of assetsOver 40% of assets
- Shareholder dissentYes71% lowest supportAny vote under 80% support
Buyer economics 1 of 4
- Low revenue per employeeNo—Bottom quartile of its SIC industry
- Quiet on AINo2.1 per 10K words · 57th pctBottom quartile of AI mentions in 10-Ks
- Net cashNo—More cash than debt, positive EBITDA
- Buyout-sizedYes$1.5B market capMarket cap $500M–$5B
Catalysts 0 of 2
- Active 13DNo0 filingsActive-intent 13D in 18 months
- Net insider sellingNo$44K netNet sales over $10M in 12 months
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Net income | $113M | $102M | $41M | $16M | $25M | 58% |
| Operating cash flow | $137M | $81M | $60M | $59M | $67M | 15% |
| Stock-based comp | $20M | $21M | $13M | $15M | $14M | 3.5% |
| Buybacks | $1M | $77M | $82M | $3M | $2M | 32% |
| Dividends | $3M | $3M | $3M | $3M | $3M | 0.0% |
Deal filings
None.
13D filers
None on file.
Insider trading
- Open-market buys, 12 mo
- $969K · 2
- Open-market sells, 12 mo
- $925K · 5
- Net
- $44K
Pay vs performance
No pay-versus-performance disclosure yet.