TFINTriumph Financial, Inc.
State Commercial Banks
- Revenue
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- Operating margin
- —
- EBITDA
- —
- Market cap
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- Employees
- —
- Net debt / EBITDA
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- −$1.0B net debt
- AI in 10-K
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Red flags 0 of 9
- TSR below peersClear—3+ of last 5 years
- High CEO pay despite TSRClear—Median CEO pay ≥ $15M and TSR flag
- Active 13DClear0 filingsActive-intent 13D in 18 months
- Net insider sellingClear$0 netNet sales over $10M in 12 months
- Earnings not backed by cashClear264% of net incomeCash flow under 80% of net income
- Dilutive SBCClear—Over 10% of revenue
- Payouts exceed cash flowClear8% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyClear5% of assetsOver 40% of assets
- Shareholder dissentClear—Any vote under 80% support
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
No open-market trades in the last 12 months.
Pay vs performance
No pay-versus-performance disclosure yet.