Triumph Financial’s ‘white label’ FaaS offering looks to grow factoring footprint
Triumph Financial is expanding its factoring business through a "white label" Factoring as a Service (FaaS) offering. This service allows transportation-focused companies, such as brokers, to provide factoring to their carrier clients, leveraging Triumph's expertise and systems without needing to build their own factoring operations. While currently a small part of Triumph's total factoring revenue, FaaS is seeing significant growth in purchase volume and attracting interest from multiple parties.
Triumph Financial (NYSE:TFIN) Rating Increased to Hold at Wall Street Zen
Wall Street Zen has upgraded Triumph Financial (NYSE:TFIN) from a "sell" to a "hold" rating, contributing to a mixed analyst consensus of "Hold" with a $70 price target. This upgrade follows Triumph's recent earnings beat, where it reported $0.77 EPS against a $0.29 consensus and revenues of $120.08 million against $111.21 million expected. The company's shares opened at $61.50, and it currently has a market capitalization of $1.46 billion.
Triumph Financial (NASDAQ:TFIN) Shares Down 12.1% - Here's What Happened
Triumph Financial (NASDAQ:TFIN) experienced a significant intraday share price drop of 12.1% on Thursday, trading as low as $59.45. This decline occurred on a trading volume that was 14% below its daily average. Analysts generally hold a "Hold" rating for the stock, with a consensus price target of $64.75, and an EVP recently sold a portion of his shares.
Triumph Financial, Inc. SEC 10-K Report
Triumph Financial, Inc. has released its 2025 10-K report, showcasing significant financial growth with total revenue of $518.9 million and net income of $25.4 million, driven by strategic initiatives and expanded services in the trucking ecosystem. The company focuses on its integrated business model across Banking, Factoring, Payments, and Intelligence segments, launching new products like Factoring as a Service and making strategic acquisitions. Despite growth, Triumph Financial acknowledges economic, credit, interest rate, and operational risks, outlining management strategies to mitigate these challenges.
February 11, 2026 - 10-K: Annual report [Section 13 and 15(d), not S-K Item 405]
Triumph Financial, Inc. (TFIN) has filed its annual 10-K report for the fiscal year ended December 31, 2025, detailing its financial performance and operations. The report highlights an increase in net income available to common stockholders, solid growth in its banking, factoring, and payments segments, and strategic acquisitions like Greenscreens AI. Inc. The company also provides extensive details on its risk factors, regulatory compliance, and segment-specific financial data.
Does Triumph Financial’s (TFIN) Earnings Beat But Revenue Miss Recast Its Core Profitability Story?
Triumph Financial (TFIN) reported improved full-year 2025 earnings and EPS, but missed analyst revenue and tangible book value per share expectations. This performance raises questions about the balance between headline growth and underlying financial benchmarks for investors. Despite the mixed results, the stock only eased slightly, maintaining a rich earnings multiple, suggesting that current sentiment outweighs the immediate fundamental impact.
Does Triumph Financial’s (TFIN) Earnings Beat But Revenue Miss Recast Its Core Profitability Story?
Triumph Financial (TFIN) reported improved full-year 2025 earnings per share and net interest income, but missed analyst expectations for revenue and tangible book value per share. Despite the mixed results, the stock only saw a slight dip and continues to trade at a high earnings multiple, suggesting that sentiment rather than underlying fundamentals is currently driving its immediate investment narrative. The company's focus on digitizing payments and factoring in the trucking industry remains a key part of its long-term strategy, with catalysts including onboarding large shippers and expanding network adoption.
Triumph Financial, Inc. $TFIN Shares Purchased by Diamond Hill Capital Management Inc.
Diamond Hill Capital Management Inc. significantly increased its stake in Triumph Financial, Inc. (NASDAQ:TFIN) by 132.1% in the third quarter, purchasing an additional 206,010 shares. This move, along with similar actions from other institutional investors like Marshall Wace LLP and Bank of America Corp DE, has resulted in institutional ownership of Triumph Financial reaching approximately 91.11%. The article also notes recent insider selling by an EVP and provides analyst ratings, with an average "Hold" rating and a consensus price target of $64.75.
Trading the Move, Not the Narrative: (TFIN) Edition
This article analyzes Triumph Financial Inc. (NASDAQ: TFIN), highlighting divergent sentiment and a mid-channel oscillation pattern. It presents three AI-generated trading strategies—Position Trading, Momentum Breakout, and Risk Hedging—with specific entry, target, and stop-loss levels. The analysis also includes multi-timeframe signal data and emphasizes an exceptional risk-reward short setup for TFIN.
Y Intercept Hong Kong Ltd Makes New Investment in Triumph Financial, Inc. $TFIN
Y Intercept Hong Kong Ltd recently acquired a new position in Triumph Financial (TFIN) during the third quarter, purchasing 16,446 shares valued at approximately $823,000. This investment represents about 0.07% of the company. Despite an EVP selling a portion of his shares, analysts maintain a "Hold" rating on TFIN with an average price target of $64.75, close to its current trading price of $64.27.
Thrivent Financial for Lutherans Sells 28,349 Shares of Triumph Financial, Inc. $TFIN
Thrivent Financial for Lutherans recently sold 28,349 shares of Triumph Financial, Inc. (NASDAQ:TFIN), reducing its stake by 1.9% but still holding 1,483,401 shares valued at approximately $74.23 million. This comes as EVP Adam D. Nelson also sold 3,000 shares, decreasing his position by 10.78%. Analysts currently rate Triumph Financial as "Hold" with a consensus target price of $64.75.
5 Insightful Analyst Questions From Triumph Financial's Q4 Earnings Call
Triumph Financial's Q4 2025 earnings surpassed analyst expectations for revenue and EPS, driven by cost control, payments business growth, and asset sales, but investor sentiment was negative due to ongoing trucking industry challenges. The article highlights key analyst questions regarding cost savings, revenue growth drivers for Load Pay, factoring contributions, factoring margin improvements, and the revenue impact of new broker partnerships. It also outlines catalysts for upcoming quarters, including Load Pay account utilization, payments segment EBITDA margins, and cross-selling success.
5 Insightful Analyst Questions From Triumph Financial’s Q4 Earnings Call
Triumph Financial (TFIN) exceeded analyst expectations for Q4 earnings due to cost control, payments business growth, and asset sales, despite missing revenue targets and facing trucking industry headwinds. CEO Aaron Graft highlighted expansion in their payments network and efficiency gains from automation. Analyst questions primarily focused on cost savings, revenue growth drivers for Load Pay, factoring service contributions, long-term margin expectations, and the impact of new broker partnerships.
5 Insightful Analyst Questions From Triumph Financial’s Q4 Earnings Call
Triumph Financial (TFIN) surpassed Wall Street's Q4 earnings expectations, yet investor sentiment was negative due to ongoing challenges in the trucking industry. The company reported strong performance driven by cost control, growth in its payments business, and asset sales. Analysts focused on cost savings, Load Pay revenue goals, factoring-as-a-service contribution, margin improvements, and new broker partnerships during the earnings call.
Is Triumph Financial’s Expanding Freight Network Quietly Reshaping Its Core Payments Story (TFIN)?
Triumph Financial (TFIN) has reported stable net interest income and higher net income for full-year 2025, with earnings growth per share. The company's strategy involves a shift towards a scaled freight payments platform, reinforced by a new partnership with J.B. Hunt Transport Services, which is seen as a validation of Triumph's payment technology. Despite concerns about its valuation and modest profitability, the expansion of its freight payments business is a key aspect of its investment narrative.
DA Davidson Reiterates Neutral Rating for Triumph Financial (NASDAQ:TFIN)
DA Davidson has reiterated its "neutral" rating on Triumph Financial (NASDAQ:TFIN), setting a price target of $60.00, which suggests a potential downside of 7.11% from the stock's current price. Other analysts have given the stock an average rating of "Hold" with a consensus price target of $64.75. The article notes the company's valuation metrics, recent stock performance, insider selling, and institutional investor activity.
Triumph Financial, Inc. (NASDAQ:TFIN) Q4 2025 Earnings Call Transcript
Triumph Financial, Inc. (NASDAQ:TFIN) held its Q4 2025 earnings call, discussing progress on revenue growth and lean operations. Executives highlighted the strengthening of their payments network, including welcoming JB Hunt, and initiatives to improve profitability by growing revenue while controlling expenses, particularly aiming for higher EBITDA margins in their payments segment. The call also covered the factoring business growth, the integration of payments and audit services, and the strategic direction for their intelligence segment and a nascent freight exchange.
Keefe, Bruyette & Woods Increases Triumph Financial (NASDAQ:TFIN) Price Target to $70.00
Keefe, Bruyette & Woods has increased its price target for Triumph Financial (NASDAQ:TFIN) to $70.00 from $66.00, maintaining a "market perform" rating and suggesting a 9.51% upside. Other analysts have a consensus "Hold" rating with an average target of $65.50. The company's stock recently traded down 2.4% at $63.92, while institutional investors hold approximately 91% of the shares.
Triumph Financial Beats Q4 Estimates Amid Freight Downturn; Valuation Concerns Persist
Triumph Financial (NASDAQ: TFIN) significantly surpassed Q4 2025 earnings and revenue estimates, driven by operational efficiencies and growth in its transportation-focused payments network, despite a challenging freight economy. The company's strategic shift toward higher-margin payments and technology solutions, including the expansion of its network to integrate major freight brokers, contributed to strong segment performance. However, valuation concerns, exposure to the freight recession, and interest rate sensitivity temper the long-term outlook for investors.
Triumph Financial Q4 Results Highlight Payments Momentum, Valuation Risks
Triumph Financial (NASDAQ: TFIN) reported strong Q4 2025 results, significantly surpassing analyst expectations in earnings and revenue. The company's pivot to a transportation-focused technology platform, particularly through its TriumphPay division, showed significant margin expansion despite the freight downturn. However, analysts noted valuation concerns due to the stock's high price-to-earnings ratio, reliance on non-recurring gains, and persistent challenges in the North American trucking industry.
Triumph Financial Q4 Results Highlight Payments Momentum, Valuation Risks
Triumph Financial (NASDAQ: TFIN) reported strong Q4 2025 results, significantly exceeding Wall Street estimates, driven by efficiency gains and a strategic pivot towards its "Triumph Network" payments platform. The company saw substantial margin expansion in its core payments segment and provided a bullish outlook for 2026, targeting a transition to a "harvest" phase with increased EBITDA margins. However, analysts noted valuation concerns given the stock's high price-to-earnings ratio and reliance on non-recurring gains for the quarter, alongside ongoing challenges in the broader freight industry.
Triumph Financial TFIN Q4 2025 Earnings Transcript
Triumph Financial (NYSE:TFIN) reported its Q4 2025 earnings, emphasizing operational discipline, cost savings from asset sales (a building and an airplane saving $6 million annually), and advancements in payment transaction monetization. The company projects tripling Load Pay revenue in 2026, driven by account expansion and increased client utilization, and anticipates 25% revenue growth in its Payments segment, with a long-term goal of over 50% EBITDA margin. Factoring business pretax margin rose to 33% due to automation and headcount reduction, targeting over 40% operating margin in the future, while credit portfolio discipline is being sharpened with a focus on transportation-aligned loans following underperformance in asset-based lending.
Triumph Financial Q4 Earnings Call Highlights
Triumph Financial's Q4 2025 earnings call highlighted the company's focus on network growth, profitability, and balance sheet strength. Management emphasized expanding its core payments business EBITDA margin towards 50% and increasing factoring margins above 40%, alongside significant increases in payment fees. The LoadPay network is projected to nearly triple its annualized revenue in 2026 by adding new accounts and improving utilization.
TFIN Q4 Deep Dive: Payments Margin Expansion and Load Pay Growth Shape Outlook
Triumph Financial Inc. (NASDAQ: TFIN) reported Q4 CY2025 results that surpassed Wall Street's revenue and EPS expectations, driven by payments margin expansion, Load Pay growth, and cost control, despite negative investor sentiment and challenges in the trucking industry. The company's outlook emphasizes continued operational efficiency, product penetration, especially within payments, and aims for higher EBITDA margins and increased Load Pay revenue for 2026. Management highlighted key growth drivers including core payments margin expansion, Load Pay revenue acceleration, factoring margin improvement, and cross-selling opportunities between services.
Triumph Releases Fourth Quarter 2025 Financial Results
Triumph Financial, Inc. (NYSE: TFIN) has released its financial results for the fourth quarter of 2025. The company's Vice Chairman & CEO, Aaron P. Graft, and CFO, Brad Voss, will host a conference call on January 27, 2026, at 9:30 a.m. central time to discuss the results with investors and analysts. Triumph is a financial and technology company specializing in payments, factoring, intelligence, and banking for the freight industry.
Triumph Financial (TFIN) Q4 Earnings and Revenues Beat Estimates
Triumph Financial (TFIN) reported strong Q4 results, with earnings of $0.77 per share significantly beating the Zacks Consensus Estimate of $0.29, and revenues of $120.08 million surpassing estimates. Despite outperforming the market year-to-date, the stock currently holds a Zacks Rank #4 (Sell) due to an unfavorable trend in earnings estimate revisions. The company's future performance will depend on management's outlook commentary, while the industry's prospects also play a crucial role.
Triumph Financial Inc (NYSE:TFIN) Reports Strong Q4 2025 Earnings, Beating Estimates
Triumph Financial Inc (NYSE:TFIN) announced strong Q4 2025 financial results, significantly exceeding analyst expectations with reported sales of $120.1 million and non-GAAP EPS of $0.77. This performance, driven by its operations in payments, factoring, and banking, led to a positive market reaction. The company will discuss these results on a conference call, with analysts forecasting continued growth into 2026.
Triumph Financial (TFIN) Q4 Earnings and Revenues Beat Estimates
Triumph Financial (TFIN) reported strong Q4 results, with earnings of $0.77 per share significantly beating the Zacks Consensus Estimate of $0.29, and revenues of $120.08 million surpassing estimates by 7.98%. Despite this positive performance and a 10.8% year-to-date increase in stock price, the company currently holds a Zacks Rank #4 (Sell) due to unfavorable earnings estimate revisions. Investors are cautioned to consider the industry outlook, which is currently favorable, and await management's commentary on the earnings call for a clearer future outlook.
Triumph Financial: Q4 Earnings Snapshot
Triumph Financial, Inc. (TFIN) reported fourth-quarter earnings of $19.2 million, or 77 cents per share, surpassing Wall Street expectations of 29 cents per share. The company's revenue for the quarter was $140.4 million, with adjusted revenue at $120.1 million. For the full year, Triumph Financial posted a profit of $25.4 million, or 93 cents per share, on revenues of $439 million.
Triumph Financial stock higher after beating Q4 expectations
Triumph Financial (NASDAQ:TFIN) shares rose 2.3% in after-hours trading after reporting fourth-quarter earnings that significantly exceeded analyst expectations. The company reported EPS of $0.77, beating the $0.30 estimate, and revenue of $120.08 million, surpassing the $110.71 million consensus. Growth was driven by strong performance in its transportation-focused segments and strategic additions like BlueGrace and J.B. Hunt.
Triumph Financial stock higher after beating Q4 expectations
Triumph Financial, Inc. (NASDAQ:TFIN) saw its shares jump 2.3% after reporting Q4 earnings of $0.77 per share on revenue of $120.08 million, significantly exceeding analyst expectations. The strong performance was driven by its transportation-focused segments, with the company also announcing new partnerships and providing an optimistic outlook for 2026, targeting 20% transportation revenue growth and reduced operating expenses.
Triumph Releases Fourth Quarter 2025 Financial Results
Triumph Financial, Inc. (NYSE: TFIN) has released its fourth-quarter 2025 financial results, which are available on the company's investor relations website. Executive Vice Chairman & CEO Aaron P. Graft and CFO Brad Voss will host a conference call on January 27, 2026, to discuss these results with investors and analysts. Triumph, headquartered in Dallas, Texas, is a financial and technology company specializing in payments, factoring, intelligence, and banking for freight transactions.
Earnings Flash (TFIN) Triumph Financial Posts Q4 Revenue $120M, vs. FactSet Est of $110.7M
Triumph Financial, Inc. (TFIN) reported Q4 revenue of $120 million, surpassing FactSet's estimate of $110.7 million. The financial holding company operates in Banking, Factoring, and Payments segments. This positive earnings flash highlights the company's strong performance in the recent quarter.
Triumph Financial: Q4 Earnings Snapshot
Triumph Financial, Inc. (TFIN) reported strong fourth-quarter earnings of $19.2 million, or 77 cents per share, significantly surpassing Wall Street expectations of 29 cents per share. The financial holding company achieved $140.4 million in revenue for the quarter, with adjusted revenue at $120.1 million. For the full year, Triumph Financial posted a profit of $25.4 million, or 93 cents per share, on revenues of $439 million.
Earnings Flash (TFIN) Triumph Financial Posts Q4 EPS $0.77, vs. FactSet Est of $0.30
Triumph Financial (TFIN) announced its fourth-quarter earnings, reporting an EPS of $0.77, significantly exceeding FactSet's estimate of $0.30. This positive earnings surprise was published on January 26, 2026, and is accompanied by a series of recent news related to the company's financial results and business developments. The article highlights the company's strong performance against analyst expectations.
Triumph Financial (NASDAQ:TFIN) Delivers Impressive Q4 CY2025
Triumph Financial (NASDAQ:TFIN) reported strong Q4 CY2025 results, with revenue exceeding market expectations at $120.1 million (up 16% year-on-year) and a GAAP EPS of $0.77, significantly beating analyst consensus. The company, which specializes in financial services for the trucking industry, showed improvements in net interest income and net interest margin, though long-term sales growth and tangible book value per share have been more modest.
Triumph Financial (TFIN) Q4 Earnings: What To Expect
Triumph Financial (NASDAQ:TFIN) is set to report its Q4 earnings on Monday. Analysts anticipate a 6.6% year-on-year revenue increase to $110.4 million and adjusted earnings of $0.30 per share, despite the company missing revenue expectations in six of the last eight quarters. Regional bank peers have shown strong Q4 results, which may hint at Triumph Financial's potential performance.
Examining the Future: Triumph Financial's Earnings Outlook
Triumph Financial (NYSE: TFIN) is scheduled to release its quarterly earnings report on Monday, January 26, 2026, with analysts forecasting an EPS of $0.29. Investors will be keenly watching for results that exceed estimates and positive guidance for the upcoming quarter, as past performance shows a significant stock price increase when EPS beat expectations. The company's shares were trading at $70.73 as of January 22, down 8.42% over the last 52 weeks.
J.B. Hunt Joins the Triumph Network
Triumph (NYSE: TFIN) announced that J.B. Hunt Transport Services, Inc. (NASDAQ: JBHT) has joined its network to adopt its advanced automated payment solution. This collaboration aims to accelerate and streamline carrier payment cycles, reinforcing Triumph's position in providing secure payment solutions for the freight industry. Both companies emphasize their commitment to creating a more efficient and transparent transportation network.
Triumph Financial (NYSE:TFIN) Cut to "Sell" at Wall Street Zen
Wall Street Zen has downgraded Triumph Financial (NYSE:TFIN) from a "hold" to a "sell" rating. This follows similar actions from other analysts, resulting in an overall consensus rating of "Reduce" and a target price of $70.00. The stock recently opened at $68.99, with a market capitalization of $1.64 billion.
How Investors May Respond To Triumph Financial (TFIN) Analyst Downgrade And Valuation Concerns
B. Riley Securities downgraded Triumph Financial (TFIN) to "Neutral" from "Buy" due to valuation concerns, with shares trading at a high multiple of its 2026 earnings estimate, alongside expectations for weaker Q1 performance. This downgrade places the upcoming Q4 2025 earnings release and management call in late January 2026 under scrutiny, as investors will be seeking clarity on how the company's earnings align with its current valuation and its ability to balance growth with profitability. The article also highlights a wide range of fair value estimates for TFIN among the investment community, suggesting diverse opinions on its future prospects.
Triumph Financial (NASDAQ:TFIN) Shares Gap Down - What's Next?
Triumph Financial (NASDAQ:TFIN) shares gapped down prior to market open, trading at $67.53 after closing at $69.20. Analysts maintain a consensus "Hold" rating with an average price target of $62.00, while insider selling by EVP Adam D. Nelson and high institutional ownership are noted. The company's financials include a market cap of $1.60 billion and a P/E ratio of 152.70.
Why Triumph Financial (TFIN) Shares Are Falling Today
Shares of Triumph Financial (TFIN) dropped 3.4% after B. Riley Securities downgraded the stock from 'Buy' to 'Neutral' due to valuation concerns, as the price neared the analyst firm's unchanged $70 target. B. Riley noted the shares traded at 30 times its 2026 EPS estimate and cautioned that the first quarter is seasonally weak for the company. Despite today's fall, the stock has been volatile, and investors who bought shares five years ago would be up 11.7%.
B. Riley Securities Downgrades Triumph Financial (TFIN) to Neutr
B. Riley Securities has downgraded Triumph Financial (TFIN) from 'Buy' to 'Neutral,' while maintaining a price target of $70.00 USD. This adjustment comes after a previous upgrade in October 2025. Wall Street analysts project an average target price of $63.00, implying a potential downside, although GuruFocus estimates a slight upside based on its GF Value.
B.Riley downgrades Triumph Financial stock rating to Neutral on valuation
B.Riley has downgraded Triumph Financial (NASDAQ:TFIN) from Buy to Neutral, maintaining a $70 price target, as the stock approaches this valuation. The downgrade is primarily due to the current valuation, with shares trading at 30 times the firm's 2026 EPS estimate, and concerns regarding a seasonally weak first quarter. Investors are now looking to the upcoming earnings report for more clarity on trucking recovery and the performance of Triumph's fintech offerings.
4th Quarter 2025 Earnings Call
This article announces the upcoming Triumph Financial, Inc. (TFIN) 4th Quarter 2025 Earnings Call. The call is scheduled for January 27, 2026, at 9:30 am CST and will be accessible via webcast audio.
Triumph Announces Schedule for Fourth Quarter 2025 Earnings Release and Conference Call
Triumph Financial, Inc. (NYSE: TFIN) announced that it will release its fourth quarter 2025 financial results and management commentary after market close on Monday, January 26, 2026. A conference call with Vice Chairman and CEO Aaron P. Graft and CFO Brad Voss will be held on Tuesday, January 27, 2026, at 9:30 a.m. central time to review the results. Interested parties can access the live video conference via a provided link or the company's IR website.
Peregrine Capital Management LLC Boosts Holdings in Triumph Financial, Inc. $TFIN
Peregrine Capital Management LLC increased its stake in Triumph Financial, Inc. (NASDAQ:TFIN) by 16.5% during the third quarter, bringing its total holdings to 183,268 shares valued at $9.17 million. This comes as analysts' sentiment shows a mix of upgraded ratings to "Buy" and continued "Hold" recommendations, with an average price target of $62. The article also notes recent insider selling by an EVP, reducing his stake by over 10%.
Triumph Financial (NASDAQ:TFIN) Shares Gap Up - Here's What Happened
Triumph Financial (NASDAQ:TFIN) stock gapped up before market open on Tuesday, trading on light volume. This follows an upgrade to "buy" by B. Riley with a $70 price target, though the consensus remains a "Hold" with a target of $62.00. An EVP recently sold a portion of his shares, while institutional investors notably increased their holdings in the company.
Insider Sell: Adam Nelson Sells 3,000 Shares of Triumph Financia
Adam Nelson, Executive Vice President and General Counsel at Triumph Financial Inc's subsidiary, sold 3,000 shares of Triumph Financial Inc (TFIN) on December 18, 2025. This transaction increases Nelson's total sales over the past year to 10,000 shares, bringing his remaining holdings to 24,832 shares. Triumph Financial Inc is currently trading at $65.18, and its stock is considered fairly valued based on its GuruFocus Value.
