Core Insights - Triumph Financial (NYSE: TFIN) is compared to its peers in the "State Commercial Banks – Fed Reserve System" industry, highlighting its performance in various financial metrics and ownership structures [1][4]. Institutional Ownership - 91.1% of Triumph Financial shares are owned by institutional investors, significantly higher than the industry average of 72.2%. Insider ownership stands at 5.6%, slightly below the industry average of 6.7% [1]. Risk and Volatility - Triumph Financial has a beta of 1.48, indicating its stock price is 48% more volatile than the S&P 500, while its peers have an average beta of 1.01 [2]. Analyst Ratings - Triumph Financial has received 1 sell rating and no buy or strong buy ratings, resulting in a rating score of 1.00. In contrast, its competitors have a higher average rating score of 2.50 [3]. Valuation & Earnings - Triumph Financial reported gross revenue of $487.93 million and net income of $16.09 million, with a price-to-earnings ratio of 238.24. In comparison, its peers have higher revenue of $749.76 million and net income of $95.99 million, with a lower price-to-earnings ratio of 39.72 [6]. Profitability - Triumph Financial's net margin is 2.00%, return on equity is 1.76%, and return on assets is 0.24%. These figures are significantly lower than its peers, which have net margins of 7.23%, return on equity of 6.94%, and return on assets of 0.79% [8]. Summary of Performance - Triumph Financial lags behind its peers in 10 out of 13 comparative factors, indicating less favorable growth aspects [9].

The live video conference may be accessed directly through this link, https://triumph-financial-q4-2025- earnings.open-exchange.net/registration or via the Company's IR website at ir.triumph.io through the Financial Results link. An archive of this video conference will subsequently be available at the same location, referenced above, on the Company's website. About Triumph DALLAS--(BUSINESS WIRE)--Triumph Financial, Inc. (NYSE: TFIN) today announced that it expects to release its fourth quarter financial r ...

Core Insights - BlueGrace Logistics has joined the Triumph Network to enhance payment efficiency and transparency for carriers [1][2][3] - The integration with Triumph's payment platform aims to improve back-office efficiency and strengthen relationships with carriers [2][3] - BlueGrace's adoption of Triumph's solutions is expected to minimize payment discrepancies and deliver greater value to partners [3] Company Overview - Triumph (NYSE: TFIN) is a financial and technology company focused on modernizing freight transactions through payments, factoring, and banking solutions [4] - BlueGrace Logistics is one of the largest Managed Logistics providers in the U.S., serving over 10,000 customers annually with a proprietary technology platform, BlueShip [5]

Core Points - Triumph Financial announced a quarterly cash dividend of $17.81 per share on its 7.125% Series C Fixed-Rate Non-Cumulative Perpetual Preferred Stock [1] - Holders of depositary shares will receive $0.44525 per depositary share, with the dividend payable on December 30, 2025, to holders of record as of December 15, 2025 [1] Company Overview - Triumph Financial is a financial and technology company focused on modernizing and simplifying freight transactions through payments, factoring, intelligence, and banking [2] - The company is headquartered in Dallas, Texas, and its portfolio includes brands such as Triumph, TBK Bank, and LoadPay [2]

Core Insights - Diamond Hill Capital's "Small Cap Strategy" reported a 7.93% return in Q3 2025, underperforming the Russell 2000 Index which gained over 12% [1] - The underperformance was attributed to the portfolio's lack of exposure to sectors driving the market rally [1] Company Overview - Triumph Financial, Inc. (NYSE:TFIN) is a financial holding company involved in banking, factoring, payments, and intelligence services [2] - As of November 24, 2025, Triumph Financial's stock closed at $53.53, with a market capitalization of $1.272 billion [2] Performance Analysis - Triumph Financial's one-month return was -8.84%, and it experienced a significant decline of 50.81% over the past 52 weeks [2] - The company's shares faced pressure due to a freight recession and exposure to a high-profile bankruptcy, raising credit concerns [3] Hedge Fund Interest - Triumph Financial was held by 16 hedge fund portfolios at the end of Q2 2025, an increase from 13 in the previous quarter [4] - Despite its potential, the company is not considered among the 30 most popular stocks among hedge funds, with a preference for certain AI stocks offering better upside potential [4]

Triumph Financial (TFIN) FY Conference Summary Company Overview - Triumph Financial is a financial and technology company based in Dallas, Texas, focused on modernizing freight transactions through payments, factoring, intelligence, and banking [1][3] - The company operates under brands including Triumph, TBK Bank, and LoadPay [1] Core Business Model - Triumph Financial is characterized as a community bank that audits and pays more truckers than any other entity globally, emphasizing its role in the trucking market [3][6] - The company processes approximately $50 billion in payments annually for major freight brokers, including C.H. Robinson and RXO [11] Market Position and Strategy - Triumph Financial claims to touch 70% of all freight transactions, paying half and auditing about 65% of invoices [6] - The company aims to create defensible earnings through a network that integrates auditing, payment, and intelligence into the workflow of freight transactions [10] - The focus is on reducing friction in payment processes, which is critical given the average invoice size of around $1,500 [6] Industry Challenges - The trucking industry is currently experiencing a goods recession, with falling tonnages and a significant number of improperly licensed drivers contributing to market instability [16][20] - Regulatory enforcement of existing laws is seen as necessary to ensure fair competition and reduce shadow capacity in the market [24] Financial Performance and Growth Targets - Triumph Financial aims for 20% top-line growth, with specific targets for its three segments: intelligence, payments, and factoring [32][34] - The intelligence segment is expected to grow significantly, while payments have shown a growth rate of 25%-30% in recent quarters [34] - The factoring business, which generated $155 million in revenue, is expected to grow at low double digits [34] Recent Developments - The company has undergone a reorganization to focus on a customer-centric approach, aiming to enhance efficiency and reduce expenses [28][30] - LoadPay, a new offering, is positioned as a comprehensive financial companion for truckers, integrating various financial services [43][44] Capital Management - Triumph Financial does not intend to grow its balance sheet but aims to increase revenue and profitability while maintaining capital ratios [54][55] - The company is cautious about M&A activities, focusing instead on enhancing existing products and services [55] Risk Management - The primary risks in factoring include fraud risk from truckers and credit risk from account debtors, with a strong emphasis on verification processes to mitigate these risks [56][57] - The average charge-offs in the factoring business have been about 25 basis points, indicating strong credit quality management [57] Conclusion - Triumph Financial is positioned as a key player in the freight payment and banking sector, leveraging technology to streamline processes and enhance customer experience while navigating industry challenges and aiming for sustainable growth [10][31]

Core Insights - Triumph Financial, Inc. will present at the Stephens Annual Investment Conference on November 18, 2025, at 3:00 p.m. CST [1] - The presentation will be available via live webcast on the company's website [1] Company Overview - Triumph is a financial and technology company that focuses on modernizing and simplifying freight transactions through payments, factoring, intelligence, and banking [2] - The company is headquartered in Dallas, Texas, and its portfolio includes brands such as Triumph, TBK Bank, and LoadPay [2]

Core Insights - Triumph has expanded its relationship with NFI to include Payment and Audit solutions, aiming to modernize freight transactions and enhance operational efficiency [1][5] - NFI's integration of Triumph's services is intended to accelerate payments, automate invoice auditing, and strengthen carrier relationships through advanced technology [2][3] Company Overview - Triumph (NYSE: TFIN) is a financial and technology company focused on modernizing freight transactions, with a portfolio that includes Triumph, TBK Bank, and LoadPay [6] - NFI is a leading North American supply chain solutions provider, generating over $3.6 billion in annual revenue and employing over 18,000 associates [7] Service Benefits - Triumph's Audit and Payments solutions streamline workflows, reduce errors, and enable secure, real-time transactions, benefiting carriers with faster payments and greater transparency [4][5] - NFI has also adopted Triumph's Intelligence solution to enhance data-driven decision-making and operational insights across its network [3]

Core Insights - Triumph has been recognized as No. 4 on the FreightWaves 2026 FreightTech 25 list, highlighting its innovative contributions to the transportation and logistics industry [1][2] Company Achievements - Triumph earned its position on the FreightTech 25 list due to its integration of payments, audit automation, liquidity solutions, digital banking, and intelligence into a unified freight operating system, which enhances customer service and profitability [2] - The company has accelerated innovation through strategic acquisitions, including Greenscreens.ai and Isometric Technologies, leading to the development of Triumph Intelligence, which utilizes over $70 billion in freight data for pricing insights and margin optimization [3] Product Developments - Triumph announced its role in powering the Trusted Freight Exchange (TFX), a digital freight exchange aimed at reducing fraud and inefficiency in freight transactions by combining its solutions with Highway's Carrier Identity® engine [4] - The company launched the NextGen Audit solution for automating invoice validation and the LoadPay business bank account for truckers, providing instant funding and expense management tools [5] Leadership Perspective - The CEO of Triumph emphasized the company's commitment to helping customers navigate challenging market conditions and the importance of innovation in addressing real challenges within the freight industry [6]

Core Insights - Triumph Financial (NYSE: TFIN) is a regional bank that has established a niche in the transportation industry, but its shares have significantly underperformed this year [1] Company Overview - Triumph Financial focuses on the transportation sector, indicating a specialized approach within the banking industry [1] Performance Analysis - The bank's shares have greatly underperformed in the current year, suggesting potential challenges or market conditions affecting its stock performance [1]