ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Triumph Financial, Inc. ?
1
High Profitability with a Net Interest Margin of 4.47%
2
With a growth in Interest of NAN%, the company declared Very Positive results in Jun 26
- The company has declared positive results for the last 3 consecutive quarters
- OPERATING CASH FLOW(Y) Highest at USD 111.58 MM
- ROCE(HY) Highest at 0.56%
- NII(Q) Highest at USD 98.83 MM
3
With ROA of 0.23%, it has a expensive valuation with a 1.59 Price to Book Value
- The stock is trading at a premium compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 34.03%, its profits have risen by 57.6% ; the PEG ratio of the company is 1.1
4
High Institutional Holdings at 100%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
5
Market Beating Performance
- The stock has generated a return of 34.03% in the last 1 year, much higher than market (S&P 500) returns of 18.15%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Triumph Financial, Inc. should be less than 10%
- Overall Portfolio exposure to Savings Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Savings Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Triumph Financial, Inc. for you?
High Risk, Low Return
Absolute
Risk Adjusted
Volatility
Triumph Financial, Inc.
34.03%
0.10
46.32%
S&P 500
18.15%
1.38
13.11%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
5.97%
EBIT Growth (5y)
-4.61%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
100.00%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
59
Industry P/E
Price to Book Value
1.59
EV to EBIT
-362.74
EV to EBITDA
46.95
EV to Capital Employed
1.56
EV to Sales
3.60
PEG Ratio
1.07
Dividend Yield
NA
ROCE (Latest)
-0.43%
ROE (Latest)
2.69%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Sideways
Mildly Bearish
Moving Averages
Bullish (Daily)
KST
Bearish
Bearish
Dow Theory
No Trend
Mildly Bearish
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend20What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 111.58 MM
ROCE(HY)
Highest at 0.56%
NII(Q)
Highest at USD 98.83 MM
NET SALES(Q)
Highest at USD 124.54 MM
PRE-TAX PROFIT(Q)
At USD 15.87 MM has Grown at 54.58%
NET PROFIT(Q)
At USD 11.37 MM has Grown at 43.48%
-4What is not working for the Company
ROCE(HY)
Lowest at 0.56%
CASH AND EQV(HY)
Lowest at USD 138.42 MM
CREDIT DEPOSIT RATIO(HY)
Lowest at 88.09%
Here's what is working for Triumph Financial, Inc.
Operating Cash Flow
Highest at USD 111.58 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
NII
Highest at USD 98.83 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Net Sales
Highest at USD 124.54 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Pre-Tax Profit
At USD 15.87 MM has Grown at 54.58%
over average net sales of the previous four periods of USD 10.27 MMMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
At USD 11.37 MM has Grown at 43.48%
over average net sales of the previous four periods of USD 7.92 MMMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Here's what is not working for Triumph Financial, Inc.
Cash and Eqv
Lowest at USD 138.42 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
Credit Deposit Ratio
Lowest at 88.09%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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