Triumph Bancorp

TFIN · NYSE · Financials · Financials, fiscal 2016 to 2025

TFIN · Last close · November 6, 2026

$61.23

Triumph Bancorp's revenue rose 5.6% to $439 million in fiscal 2025. Net income was $25 million, up 57.6%. Its return on equity was 2.8%, up from 1.8% a year earlier. Its efficiency ratio was 91.8%, up from 90.6% a year earlier. It paid out $5 million in dividends and buybacks. The diluted share count rose 0.3%.

TRIUMPH FINANCIAL, INC. Latest fiscal year ended December 31, 2025 10-K filed February 11, 2026 · 0001539638-26-000007 Updated November 5, 2026

Revenue

$439M

5.6%

Net income

$25M

57.6%

Return on equity

2.8%

0.9 pts

Return on tangible equity

4.1%

1.9 pts

Efficiency ratio

91.8%

1.2 pts

Market cap

$1.5B

Nov 6 close

P/E

31.2x

On $1.96 EPS, 4 qtrs

Return on equity is net income as a share of shareholders' equity; return on tangible equity leaves out goodwill and other intangible assets. The efficiency ratio is operating costs as a share of revenue, so lower means the bank spends less to earn each dollar. Market cap is the last closing share price times the latest diluted share count, so it is approximate. P/E is the last close divided by diluted earnings per share over the last four quarters, or the latest fiscal year where the quarters aren't available; there is none when the company made a loss.

Charts show fiscal years, from the 10-K filings.

Income statement

Revenue and net income

US$ billions, fiscal years; net losses in red. Revenue on the left axis, net income on the right; zero is the same line on both. Revenue is net of interest expense.

Revenue (left axis)Net income (right axis)

Efficiency ratio and net interest income

Percent of revenue. The efficiency ratio is noninterest expense over revenue.

Efficiency ratioNet interest income share

From fiscal 2016 to 2025, earnings per share fell 1.8% a year and net income grew 2.3% a year, as new shares raised the share count by 31% and diluted each share's earnings.

Diluted earnings per share

US$ per share, fiscal years, restated for any stock splits; loss years in red.

Return on equity

Percent. Net income over average equity; tangible equity excludes goodwill, intangibles and preferred stock.

Return on equityReturn on tangible common equity

Balance sheet

Loans and deposits

US$ billions, at each fiscal year end

Loans, netDeposits

Total assets and shareholders' equity

US$ billions, at each fiscal year end. Assets on the left axis, equity on the right.

Total assets (left axis)Equity (right axis)

Five years at a glance

Fiscal year end	FY21	FY22	FY23	FY24	FY25
Loans, net	4,825	4,078	4,128	4,506	4,955
Deposits	4,647	4,171	3,978	4,821	4,950
Loans to deposits	103.8%	97.8%	103.8%	93.5%	100.1%
Provision for credit losses	−9	7	12	19	3
Provision to average loans	−0.2%	0.2%	0.3%	0.4%	0.1%
Total assets	5,956	5,334	5,347	5,949	6,381
Shareholders' equity	859	889	864	891	942

US$ millions unless stated, at each fiscal year end.

Cash flow

Stock-based compensation and buybacks

US$ billions, fiscal years. Shares paid to employees (stock-based compensation, a cost that uses no cash) against cash spent buying shares back. Buybacks that only match it leave the share count roughly where it was.

Stock-based compensationShare buybacks

Dividends and buybacks

US$ billions, cash paid in each fiscal year

DividendsShare buybacks

Diluted share count

Weighted-average diluted shares, millions

Projections

Project Triumph Bancorp's revenue, net income and earnings per share five years ahead in a bull, a base and a bear case with your own figures, and see the share prices your P/E estimates give them. Every projected figure is yours: it is not a forecast of ours.

Open Triumph Bancorp's projections

Insider trades

Over the 12 months between November 7, 2025 and November 6, 2026, 2 insiders bought $969,051 of Triumph Bancorp shares on the open market, and 3 insiders sold $924,719, $602,845 of it under trading plans set up in advance.

Buys and sells by month

US$ millions, open-market purchases (up) and sales (down) by officers, directors and 10% owners in each month.

BoughtSold

Date	Insider	Trade	Shares	Price	Value	Filing
Aug 20, 2026	Edward Joseph SchreyerEVP, Chief Operating Officer	Sold plan	2,900	$73.75	$213,875	Form 4
Aug 4, 2026	Adam D NelsonEVP and General Counsel	Sold	3,750	$79.05	$296,438	Form 4
May 22, 2026	Edward Joseph SchreyerEVP, Chief Operating Officer	Sold plan	2,900	$66.70	$193,430	Form 4
May 8, 2026	Todd RitterbuschPresident - TBK Bank, Ssb	Bought	7,000	$67.01	$469,070	Form 4
Mar 10, 2026	William B. VossChief Financial Officer	Sold	427	$59.57	$25,436	Form 4
Feb 27, 2026	Aaron P GraftPresident & CEO, Director	Bought	8,949	$55.87	$499,981	Form 4
Dec 18, 2025	Adam D NelsonEVP and General Counsel	Sold plan	3,000	$65.18	$195,540	Form 4

Open-market purchases and sales by officers, directors and 10% owners, from their Form 4 filings with the SEC: one row per person, day and filing, at the day's average price. Grants, option exercises and shares withheld for tax aren't counted. Insiders buy and sell for many reasons, such as taxes, spreading their savings or a plan set up months earlier, so a trade on its own says little about where a company is heading. For information only, not investment advice. Insider trades at all companies

Compare

Put Triumph Bancorp side by side with any other company we cover: revenue, growth, margins, cash flow and returns, with ten years of charts.

Similar companies

Company	Year	Revenue growth	Net margin	Return on equity	Return on tangible equity	Efficiency ratio	Compare
Triumph Bancorp	FY25	5.6%	5.8%	2.8%	4.1%	91.8%
Tompkins Financial	FY25	49.2%	36.1%	19.5%	21.7%	47.1%	Compare
Dime Community Bancshares	FY25	44.2%	24.4%	7.7%	8.7%	55.9%	Compare
S&T Bancorp	FY25	4.8%	33.4%	9.4%	12.8%	56.4%	Compare
Nicolet Bankshares	FY25	11.9%	38.4%	12.4%	17.8%	51.2%	Compare

Each company's latest fiscal year. Fiscal years end in different months, so the periods don't line up exactly.

10 years of figures

Fiscal year	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
Income statement
Revenue	133	196	250	288	345	424	485	418	416	439
Revenue growth	7.6%	47.3%	27.3%	15.0%	20.1%	22.8%	14.4%	−13.7%	−0.6%	5.6%
Net interest income	112	156	227	256	285	369	400	368	350	351
Noninterest income	21	41	23	32	60	54	84	50	65	88
Noninterest expense	93	124	167	204	222	288	341	353	377	403
Provision for credit losses	—	—	16	8	38	−9	7	12	19	3
Net income	21	36	52	58	64	113	102	41	16	25
Diluted EPS (US$)	1.10	1.81	2.03	2.25	2.53	4.35	3.96	1.61	0.54	0.93
Diluted shares (millions)	18	20	26	26	25	25	25	24	24	24
Payouts
Dividends paid	0	0	0	0	2	3	3	3	3	3
Share buybacks	1	0	0	64	36	1	77	82	3	2
Balance sheet at fiscal year end
Loans, net	2,012	2,792	3,581	4,165	4,901	4,825	4,078	4,128	4,506	4,955
Deposits	2,016	2,621	3,450	3,790	4,717	4,647	4,171	3,978	4,821	4,950
Total assets	2,641	3,499	4,560	5,060	5,936	5,956	5,334	5,347	5,949	6,381
Shareholders' equity	289	392	637	637	727	859	889	864	891	942
Ratios
Return on equity	7.4%	10.6%	10.1%	9.2%	9.4%	14.2%	11.7%	4.7%	1.8%	2.8%
Return on tangible common equity	8.1%	12.0%	12.5%	12.2%	12.5%	20.8%	17.8%	6.6%	2.2%	4.1%
Return on assets	1.0%	1.2%	1.3%	1.2%	1.2%	1.9%	1.8%	0.8%	0.3%	0.4%
Efficiency ratio	69.8%	63.0%	66.9%	71.0%	64.3%	67.9%	70.3%	84.5%	90.6%	91.8%

US$ millions unless stated. Where a later 10-K restated a year, the latest filed figure is shown. Download all figures (CSV, US$ millions)

Source: Triumph Bancorp's Form 10-K filings, from SEC EDGAR. For information only, not investment advice. The Filing Desk is not affiliated with Triumph Bancorp.