Triumph Financial, Inc.
NYSE:TFIN · New York Stock Exchange
+$0.72 today
Vol 0.18M · Avg 0.26M
Income Statement
Follow revenue through to earnings
Review sales, margins, expenses, and profit trends to see what is actually driving reported earnings over time.
Stock Ticker Earnings Waterfall
NYSE:TFIN · Revenue to Net Income
Key Ratios
Analysis
$500.8M of revenue converted into $31.7M of net income for the selected period. Gross margin is 88.6% and net margin is 6.0%, showing how much revenue survives after costs and taxes. EPS is $1.19, tying the income statement back to per-share earnings.
Income Statement
Annual data · 5 periods
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $516.1M +5.8% | $487.6M +3.3% | $471.8M -6.2% | $502.9M +13.8% | $442.0M | $809.6M | $921.6M | $731.2M |
| Cost of Revenue | $82.8M -8.6% | $90.5M +37.6% | $65.8M +160.0% | $25.3M +165.3% | $9.5M | $725.6M | $804.0M | $882.4M |
| Gross Profit | $433.1M +9.1% | $397.1M -2.2% | $406.0M -15.0% | $477.6M +10.4% | $432.5M | $8.9B | $7.6B | $6.2B |
| Gross Margin | 83.9% +2.5pp | 81.4% -4.6pp | 86.1% -8.9pp | 95.0% -2.9pp | 97.8% | 9.8% | 28.9% | 38.3% |
| Research & Development | $0 | $0 | $0 | $0 | $0 | $983.2M | $1.3B | $490.4M |
| Selling, General & Admin | $245.5M +7.5% | $228.5M +3.9% | $220.0M +4.2% | $211.1M +16.3% | $181.5M | $620.6M | $923.0M | -$1.5B |
| Operating Expenses | $400.1M +6.2% | $376.6M +6.6% | $353.2M +3.7% | $340.6M +18.5% | $287.5M | $5.3B | $7.0B | $8.7B |
| Depreciation & Amortization | $14.9M -55.4% | $33.3M +12.3% | $29.7M +1.4% | $29.3M +27.8% | $22.9M | $374.2M | $1.2B | $631.8M |
| EBITDA | $47.9M -11.1% | $53.8M -34.8% | $82.5M -50.4% | $166.3M -0.9% | $167.9M | -$15.2B | $6.8B | $9.3B |
| EBITDA Margin | 9.3% -1.8pp | 11.0% -6.5pp | 17.5% -15.6pp | 33.1% -4.9pp | 38.0% | 5.6% | 46.3% | 42.0% |
| Operating Income | $33.0M +61.2% | $20.5M -61.2% | $52.8M -61.5% | $137.0M -5.5% | $145.0M | $12.3B | $14.0B | -$15.7B |
| Operating Margin | 6.4% +2.2pp | 4.2% -7.0pp | 11.2% -16.0pp | 27.2% -5.6pp | 32.8% | 16.6% | 24.1% | 22.0% |
| Interest Income | $430.5M +1.9% | $422.5M +0.0% | $422.4M +0.8% | $419.2M +8.2% | $387.6M | -$1.5B | -$1.6B | $405.0M |
| Interest Expense | $79.9M +10.9% | $72.1M +32.6% | $54.3M +189.9% | $18.7M +1.7% | $18.4M | $1.1B | $1.0B | $1.2B |
| Other Income / Expenses | $0 | $0 | $0 | $0 | $0 | -$1.5B | $1.4B | $1.2B |
| Income Before Tax | $33.0M +61.2% | $20.5M -61.2% | $52.8M -61.5% | $137.0M -5.5% | $145.0M | $3.3B | $4.9B | $3.6B |
| Pre-Tax Margin | 6.4% +2.2pp | 4.2% -7.0pp | 11.2% -16.0pp | 27.2% -5.6pp | 32.8% | 20.8% | 18.7% | 26.2% |
| Income Tax Expense | $7.6M +74.3% | $4.4M -62.7% | $11.7M -66.2% | $34.7M +8.5% | $32.0M | $1.3B | -$1.6B | $745.2M |
| Net Income | $25.4M +57.6% | $16.1M -60.8% | $41.1M -59.8% | $102.3M -9.4% | $113.0M | $4.9B | $4.8B | $4.7B |
| Net Margin | 4.9% +1.6pp | 3.3% -5.4pp | 8.7% -11.6pp | 20.3% -5.2pp | 25.6% | 12.4% | 17.5% | 22.5% |
| EPS (Basic) | $1 +70.9% | $1 -66.3% | $2 -59.9% | $4 -8.6% | $4 | $400.8M | $703.2M | $1.3B |
| EPS (Diluted) | $1 +72.2% | $1 -66.5% | $2 -59.3% | $4 -9.0% | $4 | $766.2M | $609.4M | $452.6M |
| Weighted Avg Shares | $23.6M +1.4% | $23.3M +0.3% | $23.2M -4.9% | $24.4M -1.4% | $24.7M | $757.8M | $925.8M | $1.1B |
| Weighted Avg Shares (Diluted) | $23.8M +0.3% | $23.8M +2.5% | $23.2M -7.3% | $25.0M -0.9% | $25.3M | $1.2B | $924.4M | $678.0M |
Older periods hidden.
Sign in to unlockCompetitors
Peer companies in the same sector
Cullen/Frost Bankers, Inc.
NYSE:CFR
$9.15B
ConnectOne Bancorp, Inc.
NASDAQ:CNOB
$1.63B
QCR Holdings, Inc.
NASDAQ:QCRH
$1.57B
Origin Bancorp, Inc.
NYSE:OBK
$1.52B
Republic Bancorp, Inc.
NASDAQ:RBCAA
$1.49B
Westamerica Bancorporation
NASDAQ:WABC
$1.36B
Peoples Bancorp Inc.
NASDAQ:PEBO
$1.30B
Preferred Bank
NASDAQ:PFBC
$1.17B
OceanFirst Financial Corp.
NASDAQ:OCFC
$1.04B
FirstSun Capital Bancorp
NASDAQ:FSUN
$999.00M
SEC Filings
Recent regulatory filings
No filings found.
How much revenue does TFIN generate?
Triumph Financial, Inc. (TFIN) reported $516.08M of revenue in fiscal 2025.
Is TFIN profitable?
Triumph Financial, Inc. (TFIN) reported $25.36M of net income, with a net margin of 4.9%.
Explore More
Continue the stock analysis
Jump to another research area for this company.