Triumph Financial (STU:2THA) Cyclically Adjusted Book per Share: €28.48 (As of Mar. 2026)


STU:2THA Triumph Financial Inc STU:2THA
65 GF Score
Price €68.50
GF Value €58.27
Valuation Modestly Overvalued
! 4 Warning Signs
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What is Triumph Financial Cyclically Adjusted Book per Share?

Triumph Financial STU:2THA +1.48% 65 Cyclically Adjusted Book per Share is €28.48 as of Mar. 2026. GuruFocus rates STU:2THA with a GF Score™ of 65/100 and a GF Value™ of €58.27 (Modestly Overvalued). The stock has 4 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

Triumph Financial's adjusted book value per share for the three months ended in Mar. 2026 was €32.909. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is €28.48 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Triumph Financial's average Cyclically Adjusted Book Growth Rate was 9.30% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

As of today (2026-07-07), Triumph Financial's current stock price is €68.50. Triumph Financial's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2026 was €28.48. Triumph Financial's Cyclically Adjusted PB Ratio of today is 2.41.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Triumph Financial was 3.71. The lowest was 1.49. And the median was 2.36.


Triumph Financial  (STU:2THA) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

Triumph Financial's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=68.50/28.48
=2.41

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Triumph Financial was 3.71. The lowest was 1.49. And the median was 2.36.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


Triumph Financial Cyclically Adjusted Book per Share Related Terms


Triumph Financial Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Triumph Financial's Cyclically Adjusted Book per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Triumph Financial Cyclically Adjusted Book per Share Chart

Triumph Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 24.10 28.11 27.28

Triumph Financial Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted Book per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 28.21 26.59 27.25 27.28 28.48

STU:2THA vs CASH, DCOM, FSUN: Cyclically Adjusted Book per Share Comparison

For the Banks - Regional subindustry, Triumph Financial's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Triumph Financial Cyclically Adjusted PB Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Triumph Financial's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Triumph Financial's Cyclically Adjusted PB Ratio falls into.


STU:2THA
65GF Score
Triumph Financial Inc STU:2THA
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Triumph Financial Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Triumph Financial's adjusted Book Value per Share data for the three months ended in Mar. 2026 was:

Adj_Book= Book Value per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=32.909/330.2130*330.2130
=32.909

Current CPI (Mar. 2026) = 330.2130.

Triumph Financial Quarterly Data

Book Value per Share CPI Adj_Book
201606 13.272 241.018 18.184
201609 13.521 241.428 18.493
201612 14.662 241.432 20.054
201703 15.033 243.801 20.361
201706 14.764 244.955 19.903
201709 15.169 246.819 20.294
201712 15.505 246.524 20.769
201803 15.316 249.554 20.266
201806 19.478 251.989 25.524
201809 19.794 252.439 25.892
201812 20.764 251.233 27.292
201903 21.412 254.202 27.815
201906 21.734 256.143 28.019
201909 22.691 256.759 29.182
201912 22.949 256.974 29.490
202003 22.130 258.115 28.311
202006 22.449 257.797 28.755
202009 22.166 260.280 28.122
202012 22.536 260.474 28.570
202103 24.272 264.877 30.259
202106 24.705 271.696 30.026
202109 26.244 274.310 31.592
202112 28.629 278.802 33.908
202203 30.372 287.504 34.884
202206 32.075 296.311 35.745
202209 34.914 296.808 38.843
202212 33.122 296.797 36.851
202303 31.261 301.836 34.200
202306 31.274 305.109 33.847
202309 32.399 307.789 34.759
202312 32.246 306.746 34.713
202403 32.618 312.332 34.485
202406 32.987 314.175 34.671
202409 32.390 315.301 33.922
202412 34.537 315.605 36.136
202503 33.529 319.799 34.621
202506 31.695 322.561 32.447
202509 31.348 324.800 31.870
202512 32.226 324.054 32.838
202603 32.909 330.213 32.909

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of €28.48 mean?
Triumph Financial (STU:2THA) has a Cyclically Adjusted Book per Share of €28.48 as of Mar. 2026. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Triumph Financial and its competitors.
Is Triumph Financial's Cyclically Adjusted Book per Share too high?
Triumph Financial's current Cyclically Adjusted Book per Share is €28.48. Overall, Triumph Financial has a GF Score™ of 65/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Triumph Financial's Cyclically Adjusted Book per Share compare to CASH and DCOM?
Triumph Financial's Cyclically Adjusted Book per Share of €28.48 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Book per Share for a Banks company?
A good Cyclically Adjusted Book per Share depends on the Banks industry context. However, Cyclically Adjusted Book per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Triumph Financial and its competitors. Triumph Financial's current Cyclically Adjusted Book per Share is €28.48. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Triumph Financial stock overvalued right now?
Based on GuruFocus' analysis, Triumph Financial (STU:2THA) is currently considered Modestly Overvalued. The stock's GF Value™ is €58.27, compared to a current price of €68.50 — trading 17.6% above its estimated fair value. The current Cyclically Adjusted Book per Share is €28.48. Triumph Financial's overall GF Score™ is 65/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For Triumph Financial (STU:2THA), the current Cyclically Adjusted Book per Share is €28.48 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Triumph Financial (STU:2THA) Overvalued in 2026?

Based on GuruFocus' analysis, Triumph Financial stock appears to be overvalued. The current stock price of €68.50 is trading 17.6% above its estimated GF Value™ of €58.27. GuruFocus considers Triumph Financial to be Modestly Overvalued.

Key valuation signals for STU:2THA:

  • Cyclically Adjusted Book per Share: €28.48
  • GF Value™: €58.27 vs. price of €68.50 (17.6% above fair value)
  • GF Score™: 65/100 with 4 warning signs

No single metric tells the full story. See the STU:2THA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Triumph Financial Business Description

Other Exchanges TFINp.PFD:USATFIN:USA
Address 12700 Park Central Drive, Suite 1700, Dallas, TX, USA, 75251
Triumph Financial Inc is a financial holding company based in the United States. Along with its subsidiaries, the company operates in four reportable segments: Banking, Factoring, Payments, and Intelligence. The Banking segment, which generates maximum revenue, includes the operations of TBK Bank, offering traditional banking services. The Factoring segment provides working capital solutions to the trucking industry through the purchase of invoices generated by carriers at a discount. The Payments segment provides payment, audit, and other banking services for the over-the-road trucking industry, and the Intelligence segment operates to turn the over-the-road trucking data collected through the services offered into actionable insights for its customers.
65GF Score

Get the complete analysis for STU:2THA

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€68.50
Price
€58.27
GF Value