Triumph Financial
Builds banking, factoring, payments, and data tools for trucking transactions.
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Profile
Provides banking, invoice factoring, payment-network, and freight-intelligence services for the U.S. for-hire trucking ecosystem. TBK Bank anchors deposits and lending, while TriumphPay, LoadPay, and newer Intelligence products connect brokers, factors, carriers, and shippers around freight invoices.
Serves the U.S. for-hire trucking ecosystem through Banking, Factoring, Payments, and Intelligence. TBK Bank supplies traditional banking, specialized commercial lending, deposits, treasury management, insurance, and payment services, while the factoring business buys trucking invoices at a discount to give carriers faster working capital.
TriumphPay manages carrier payments for brokers and factors, and LoadPay gives carriers a digital bank account for invoices approved through the network or factoring operations. The Intelligence segment adds freight-pricing and performance data built from Greenscreens, Isometric, and Triumph's transaction data.
Execution depends on freight-market activity, invoice volume, bank regulation, deposit and interest-rate conditions, and adoption of TriumphPay, LoadPay, and Intelligence products.
Company facts
Key statistics
Year to date +13.6% · Average volume (30d) 200.7K
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Prior rating | Rating | Prior target | Target |
|---|---|---|---|---|---|---|
| Jul 29, 2026 | DA Davidson | Reiterate | Neutral | $74 | $82 | |
| Jul 23, 2026 | Stephens | Target | $59 | $88 | ||
| Apr 23, 2026 | Raymond James | Upgrade | Market Perform | Outperform | $103 | $72 |
| Jan 12, 2026 | B. Riley Securities | Downgrade | Buy | Neutral | ||
| Oct 20, 2025 | B. Riley Securities | Upgrade | Neutral | Buy |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 21, 2026Q2 FY26 | $0.44 | $0.44 | +0.6% | $114.7M | $120.2M | +4.9% | +2.39% |
| Apr 21, 2026Q1 FY26 | $0.15 | $0.23 | +53.3% | $107.3M | $105.8M | −1.4% | −6.26% |
| Jan 26, 2026Q4 FY25 | $0.30 | $0.77 | +160.1% | $110.7M | $106.2M | −4.1% | −7.20% |
| Oct 15, 2025Q3 FY25 | −$0.04 | $0.19 | +575.0% | $110.9M | $109.3M | −1.5% | +7.10% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $119.5M | $128.6M | $109.3M | $140.4M | $122.5M | $108.0M | |
| Gross profit | $100.2M | $108.8M | $105.0M | $121.8M | $106.4M | $79.6M | |
| Operating income | $70.0K | $7.9M | $1.3M | $23.7M | $10.2M | $15.9M | |
| Net income | $17.0K | $4.4M | $1.7M | $19.2M | $6.4M | $11.4M | |
| Diluted EPS | −$0.03 | $0.15 | $0.04 | $0.77 | $0.23 | $0.44 | |
| Gross margin | 83.9% | 84.6% | 96.1% | 86.8% | 86.9% | 73.7% | |
| Operating margin | 0.1% | 6.2% | 1.2% | 16.9% | 8.3% | 14.7% |
Fiscal years (4-quarter sums)FY21 $442.1M · FY22 $503.3M · FY23 $471.8M · FY24 $487.6M · FY25 $497.8M
Revenue by product · Q2 FY26
Balance sheet, Jun 30, 2026Cash & short-term investments $342.2M · Total debt $113.3M · Total assets $7.40B · Shareholders' equity $963.3M
Dividends
No dividends on record.
Ownership
A 13F quarter can total more than the shares outstanding — sub-advisers file the same block twice, and a filer's own share count can be a quarter stale. No split is drawn from it.
Shares outstanding 23.89M · Float 21.25M · 89.0% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| BlackRock, Inc. | 3.39M | 14.21% | 13F | Aug 7, 2026 |
| State Street Corp | 1.47M | 6.16% | 13F | Aug 7, 2026 |
| Kayne Anderson Rudnick Investment Management LLC | 1.42M | 5.96% | 13F | Aug 13, 2026 |
| Altravue Capital, LLC | 1.40M | 5.88% | 13F | Aug 13, 2026 |
| Thrivent Financial for Lutherans | 1.30M | 5.44% | 13F | Aug 14, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 20, 2026 | Edward Joseph Schreyer | officer: EVP, Chief Operating Officer | −2,900 | $73.75 |
| Aug 4, 2026 | Adam D. Nelson | officer: EVP and General Counsel | −3,750 | $79.05 |
| May 22, 2026 | Edward Joseph Schreyer | officer: EVP, Chief Operating Officer | −2,900 | $66.70 |
| May 8, 2026 | Todd Ritterbusch | officer: President - TBK Bank, SSB | +7,000 | $67.01 |
| Mar 10, 2026 | William B. Voss | officer: Chief Financial Officer | −427 | $59.57 |
Peers
- Cass Information Systems
Freight audit, payment, and transport-spend data peer
- U.S. Bancorp
Bank-grade freight payment and commercial banking rival
- First Citizens BancShares
Factoring and receivables-finance bank competitor
- Corpay
Fleet, corporate-card, and AP automation payments rival
- WEX
OTR fleet payments and freight factoring competitor
- Roper Technologies
DAT unit contests freight data, load boards, and carrier finance
- Cullen/Frost Bankers
Texas commercial banking peer for deposits and loans
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Triumph Financial | $71.86 | −0.14% | $1.72B | 48.7 | 27.2 | 3.6 | +11.3% |
| Cass Information Systems | $56.65 | +0.16% | $729.1M | 20.4 | 16.8 | 3.6 | +12.5% |
| U.S. Bancorp | $62.47 | +0.01% | $97.31B | 12.5 | 11.5 | 2.2 | +10.6% |
| First Citizens BancShares | $2,194.07 | +0.07% | $24.99B | 11.7 | 11.7 | 1.7 | −5.5% |
| Corpay | $407.88 | −0.02% | $26.66B | 24.8 | 14.0 | 5.3 | +21.5% |
| WEX | $197.32 | −0.03% | $6.72B | 19.7 | 9.7 | 2.4 | +14.2% |
| Roper Technologies | $425.13 | −0.26% | $43.01B | 17.8 | 18.1 | 5.2 | +8.5% |
| Cullen/Frost Bankers | $161.69 | −0.01% | $10.05B | 15.3 | 14.3 | 3.8 | +9.4% |
| Median | 17.8 | 14.0 | 3.6 | +10.6% |