Triumph Financial, Inc. (TFIN) - Net Assets
Based on the latest financial reports, Triumph Financial, Inc. (TFIN) has net assets worth $919.33 Million USD as of September 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($6.36 Billion) and total liabilities ($5.44 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Explore TFIN cash flow conversion to assess how effectively this company generates cash.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $919.33 Million |
| % of Total Assets | 14.46% |
| Annual Growth Rate | 24.62% |
| 5-Year Change | 22.58% |
| 10-Year Change | 232.39% |
| Growth Volatility | 41.94 |
Triumph Financial, Inc. - Net Assets Trend (2012–2024)
This chart illustrates how Triumph Financial, Inc.'s net assets have evolved over time, based on quarterly financial data. For live valuation and market cap data, see TFIN stock market capitalisation.
Annual Net Assets for Triumph Financial, Inc. (2012–2024)
The table below shows the annual net assets of Triumph Financial, Inc. from 2012 to 2024. Read how much debt does Triumph Financial, Inc. carry for a breakdown of total debt and financial obligations.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | $890.92 Million | +3.07% |
| 2023-12-31 | $864.40 Million | -2.76% |
| 2022-12-31 | $888.97 Million | +3.51% |
| 2021-12-31 | $858.86 Million | +18.17% |
| 2020-12-31 | $726.78 Million | +14.17% |
| 2019-12-31 | $636.59 Million | 0.00% |
| 2018-12-31 | $636.61 Million | +62.52% |
| 2017-12-31 | $391.70 Million | +35.37% |
| 2016-12-31 | $289.35 Million | +7.95% |
| 2015-12-31 | $268.04 Million | +12.85% |
| 2014-12-31 | $237.51 Million | +47.89% |
| 2013-12-31 | $160.60 Million | +153.01% |
| 2012-12-31 | $63.47 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Triumph Financial, Inc.'s total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 7650.7% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $549.22 Million | 61.65% |
| Common Stock | $291.00K | 0.03% |
| Other Comprehensive Income | $-3.12 Million | -0.35% |
| Other Components | $344.53 Million | 38.67% |
| Total Equity | $890.92 Million | 100.00% |
Triumph Financial, Inc. Competitors by Market Cap
The table below lists competitors of Triumph Financial, Inc. ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Jiangsu Shuangxing Color Plastic New Materials Co Ltd
SHE:002585
|
$1.27 Billion |
|
Wuxi Boton Technology Co Ltd
SHE:300031
|
$1.27 Billion |
|
MONGOLIAN MINING CRP.REGS
F:29X2
|
$1.27 Billion |
|
AB Electrolux (publ)
ST:ELUX-B
|
$1.27 Billion |
|
Bitfarms Ltd.
NASDAQ:KEEL
|
$1.27 Billion |
|
ITMAX System Berhad
KLSE:5309
|
$1.27 Billion |
|
Wacker Neuson SE
F:WAC
|
$1.27 Billion |
|
Cairn Homes PLC
IR:C5H
|
$1.27 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Triumph Financial, Inc.'s equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 864,400,000 to 890,919,000, a change of 26,519,000 (3.1%).
- Net income of 16,090,000 contributed positively to equity growth.
- Dividend payments of 3,206,000 reduced retained earnings.
- Share repurchases of 3,292,000 reduced equity.
- Other comprehensive income decreased equity by 189,000.
- Other factors increased equity by 17,116,000.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $16.09 Million | +1.81% |
| Dividends Paid | $3.21 Million | -0.36% |
| Share Repurchases | $3.29 Million | -0.37% |
| Other Comprehensive Income | $-189.00K | -0.02% |
| Other Changes | $17.12 Million | +1.92% |
| Total Change | $- | 3.07% |
Book Value vs Market Value Analysis
This analysis compares Triumph Financial, Inc.'s book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.64x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 7.25x to 1.64x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2012-12-31 | $8.46 | $61.31 | x |
| 2013-12-31 | $8.05 | $61.31 | x |
| 2014-12-31 | $20.35 | $61.31 | x |
| 2015-12-31 | $14.88 | $61.31 | x |
| 2016-12-31 | $16.03 | $61.31 | x |
| 2017-12-31 | $19.58 | $61.31 | x |
| 2018-12-31 | $24.98 | $61.31 | x |
| 2019-12-31 | $24.43 | $61.31 | x |
| 2020-12-31 | $29.52 | $61.31 | x |
| 2021-12-31 | $34.01 | $61.31 | x |
| 2022-12-31 | $35.52 | $61.31 | x |
| 2023-12-31 | $37.25 | $61.31 | x |
| 2024-12-31 | $37.47 | $61.31 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Triumph Financial, Inc. utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 1.81%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 3.30%
- • Asset Turnover: 0.08x
- • Equity Multiplier: 6.68x
- Recent ROE (1.81%) is below the historical average (9.15%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2012 | 17.84% | 34.04% | 0.10x | 5.33x | $4.43 Million |
| 2013 | 9.40% | 26.94% | 0.04x | 9.64x | $-800.00K |
| 2014 | 7.46% | 17.84% | 0.07x | 6.10x | $-6.02 Million |
| 2015 | 10.87% | 24.91% | 0.07x | 6.31x | $2.33 Million |
| 2016 | 7.15% | 14.23% | 0.06x | 9.13x | $-8.23 Million |
| 2017 | 9.25% | 18.38% | 0.06x | 8.93x | $-2.95 Million |
| 2018 | 8.12% | 18.15% | 0.06x | 7.16x | $-11.95 Million |
| 2019 | 9.20% | 17.08% | 0.07x | 7.95x | $-5.12 Million |
| 2020 | 8.81% | 17.18% | 0.06x | 8.17x | $-8.65 Million |
| 2021 | 13.15% | 25.56% | 0.07x | 6.94x | $27.09 Million |
| 2022 | 11.51% | 20.34% | 0.09x | 6.00x | $13.41 Million |
| 2023 | 4.38% | 9.06% | 0.08x | 6.19x | $-48.56 Million |
| 2024 | 1.81% | 3.30% | 0.08x | 6.68x | $-73.00 Million |
Industry Comparison
This section compares Triumph Financial, Inc.'s net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $470,105,900
- Average return on equity (ROE) among peers: 10.55%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Triumph Financial, Inc. (TFIN) | $919.33 Million | 17.84% | 5.91x | $1.27 Billion |
| Ameris Bancorp (ABCB) | $33.90 Million | 18.88% | 9.07x | $4.95 Billion |
| Ameris Bancorp (ABCB) | $178.73 Million | 12.38% | 10.46x | $5.70 Billion |
| ACNB Corporation (ACNB) | $72.39 Million | 14.87% | 11.06x | $483.21 Million |
| Affinity Bancshares Inc (AFBI) | $75.66 Million | 1.80% | 2.78x | $135.98 Million |
| Alerus Financial Corp (ALRS) | $82.48 Million | 11.09% | 8.23x | $647.19 Million |
| Amalgamated Bank (AMAL) | $439.37 Million | 10.16% | 9.66x | $1.14 Billion |
| Amerant Bancorp Inc. (AMTB) | $705.73 Million | 8.97% | 11.93x | $957.36 Million |
| Arrow Financial Corporation (AROW) | $140.82 Million | 15.48% | 12.08x | $595.41 Million |
| Associated Banc-Corp (ASB) | $2.87 Billion | 4.87% | 6.65x | $5.15 Billion |
| AmeriServ Financial Inc (ASRV) | $106.18 Million | 7.01% | 11.85x | $62.60 Million |
About Triumph Financial, Inc.
Triumph Financial, Inc., a financial holding company, provides banking, factoring, payments, and intelligence services in the United States. The company offers deposit products, including checking, savings, money market, and certificates of deposit; and loan products, such as commercial real estate, land, commercial construction and land development, residential real estate, commercial agricultur… Read more