Stock fact sheet · data as of
Triumph Financial, Inc. (TFIN): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · Blend
Is TFIN undervalued?
TFIN closed at 61.26 on 16 Oct 2026, more than 30% above the GLS average fair value of 46.74. Only 3 of the 8 models that produced a value sit above the price. By our models the shares are priced well beyond what the filed earnings, cash flow and book value support; the Sunday Scan drops names like this at the "below fair value" rule.
There is a wide gap between GLS Growth (1.15) and Graham Growth (92.63). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.
The nightly engine files TFIN under Blend.
Nine valuation models for TFIN
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 25.67 | -58% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 38.35 | -37% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 92.63 | +51% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 40.48 | -34% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 1.15 | -98% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 91.54 | +49% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 66.14 | +8% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | - | - | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend; no value tonight |
| EPV | 17.99 | -71% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -201.97 | -430% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 84.67 | +38% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Triumph Financial, Inc. scores 5 of 9 on the Piotroski F-score: a middling result that falls one point short of the Sunday Scan's "6 or more" rule. Some of the nine tests on profitability, leverage and efficiency are failed, so the accounts are worth a look before selling a put on the name. A GLS Moat score of 4.6/10 is a weak reading: the ten-year history the score grades (revenue, EPS, book value, margins, cash flow, share count, ROIC) has not been steady, so the Moat part of the Wheel Score contributes little.
Returns on capital are thin or negative - ROIC 1.9%, ROE 2.7%, ROA 0.4% - with debt at 0.42 times equity and a free-cash-flow yield of 6.4%.
Triumph Financial, Inc. pays no dividend, so the DDM model does not apply and a covered-call holder earns only the premium and any price gain. Revenue comes mainly from Financial Service 80%, Credit and Debit Card 11%, Deposit Account 9% (quarter Q2 FY2026).
Institutional ownership scores 10/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 5 / 9 | ROIC | 1.9% |
|---|---|---|---|
| GLS Moat | 4.6 / 10 | ROE | 2.7% |
| Debt / equity | 0.42 | ROA | 0.4% |
| Free-cash-flow yield | 6.4% | Payout ratio | 8% |
| Institutions | 10 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 49: Weak
With a Wheel Score of 49 Triumph Financial, Inc. sits in the Weak band. The parts - Value 0/25, Health 11/20, Moat 7/15, Premium 20/20, Stability 11/20 - show where: Value (0/25) scores lowest.
Implied volatility is 48% on the near-the-money contracts 20-60 days out - inside the 35-60% range the Wheel Score pays full marks for: enough premium to be worth selling, not so much that the risk is unpaid. Chain open interest is 4,377 contracts across all expiries - enough for the wheel at normal size.
Volume runs at 311k shares a day on a market cap of $1.5B, with a beta of 1.37 - a high beta, so the stock tends to move more than the market and a strike can be gapped through; the Stability part of the Wheel Score gives that 11 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 0 / 25 | -31% margin of safety | |
| Health | 11 / 20 | Piotroski 5/9 | |
| Moat | 7 / 15 | moat 4.6/10 | |
| Premium | 20 / 20 | implied volatility 48% | |
| Stability | 11 / 20 | 311k shares/day, $1.5B cap, beta 1.37 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
Triumph Financial, Inc. reports earnings on 21 Oct 2026 (after the close) - inside the 14-day window the Sunday Scan avoids, because a put sold now would carry the report's gap risk.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to Triumph Financial, Inc. by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| ESQ Esquire Financial Holdings, Inc. | 118.95 | 148.10 | +20% | 39No options | $1.4B |
| LKFN Lakeland Financial Corporation | 57.91 | 53.65 | -8% | 67Good | $1.4B |
| CASH Pathward Financial, Inc. | 72.12 | 296.28 | +76% | 83Prime | $1.5B |
| BHRB Burke & Herbert Financial Services Corp. | 69.75 | 95.74 | +27% | 39No options | $1.4B |
| AMAL Amalgamated Financial Corp. | 47.09 | 76.20 | +38% | 84Prime | $1.4B |
| CNOBP ConnectOne Bancorp, Inc. | 25.28 | 58.37 | +57% | 39No options | $1.5B |
| CNOB ConnectOne Bancorp, Inc. | 30.43 | 62.04 | +51% | 73Good | $1.5B |
| OCFC OceanFirst Financial Corp. | 15.96 | 19.34 | +17% | 74Good | $1.5B |
| TMP Tompkins Financial Corporation | 95.86 | 129.17 | +26% | 72Good | $1.4B |
| BLX Bladex, Inc. | 54.43 | 170.94 | +68% | 74Good | $1.6B |
| WABC Westamerica Bancorporation | 58.70 | 68.31 | +14% | 70Good | $1.4B |
| CTBI Community Trust Bancorp, Inc. | 74.43 | 107.06 | +30% | 80Prime | $1.4B |
⚖ Compare TFIN with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about TFIN
Is TFIN undervalued right now?
No: at 61.26 the stock trades 31% above the GLS average fair value of 46.74 (data as of 16 Oct 2026), well beyond what trailing earnings, cash flow and book value support.
What is the Wheel Score of TFIN and what does it mean?
TFIN scores 49 out of 100 (Weak). The Wheel Score blends the margin of safety (25 points), Piotroski health (20), the GLS moat (15), the option premium on offer (20) and trading stability (20) into one number that ranks stocks for the wheel strategy - selling cash-secured puts, then covered calls if assigned. 80 and above is Prime, 65-79 Good, 50-64 Fair, under 50 Weak.
What is the GLS fair value for TFIN?
46.74 per share as of 16 Oct 2026 - the simple average of the 8 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Triumph Financial, Inc. report earnings next?
The next earnings report is due on 21 Oct 2026 (after the close), 5 days from the data date of 16 Oct 2026. The Calendars page lists every upcoming report with its time of day.
Does TFIN have listed options, and how liquid are they?
Yes. The nightly snapshot found 156 listed contracts with 4,377 open interest across all expiries and implied volatility of 48% on the near-the-money contracts. The Options scanner lists the cash-secured put and covered call set-ups with premium and annualised yield worked out.