TFIN (Triumph Financial) Cyclically Adjusted FCF per Share: $2.28 (As of Mar. 2026)


TFIN Triumph Financial Inc TFIN
62 GF Score
Price $77.41
GF Value $67.28
Valuation Modestly Overvalued
! 4 Warning Signs
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What is Triumph Financial Cyclically Adjusted FCF per Share?

Triumph Financial TFIN -1.61% 62 Cyclically Adjusted FCF per Share is $2.28 as of Mar. 2026. GuruFocus rates TFIN with a GF Score™ of 62/100 and a GF Value™ of $67.28 (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 FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

Triumph Financial's adjusted free cash flow per share for the three months ended in Mar. 2026 was $-0.081. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is $2.28 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Triumph Financial's average Cyclically Adjusted FCF Growth Rate was 2.70% 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 FCF Growth Rate using Cyclically Adjusted FCF per Share data.

As of today (2026-07-07), Triumph Financial's current stock price is $77.41. Triumph Financial's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was $2.28. Triumph Financial's Cyclically Adjusted Price-to-FCF of today is 33.95.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Triumph Financial was 46.76. The lowest was 20.08. And the median was 29.15.


Triumph Financial  (NYSE:TFIN) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF 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 Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

Triumph Financial's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=77.41/2.28
=33.95

* 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 Price-to-FCF of Triumph Financial was 46.76. The lowest was 20.08. And the median was 29.15.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


Triumph Financial Cyclically Adjusted FCF per Share Related Terms


Triumph Financial Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Triumph Financial's Cyclically Adjusted FCF 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 FCF per Share Chart

Triumph Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 2.48 2.27 2.29

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 FCF 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 2.22 2.18 2.22 2.29 2.28

TFIN vs CASH, DCOM, FSUN: Cyclically Adjusted FCF per Share Comparison

For the Banks - Regional subindustry, Triumph Financial's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF 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 Price-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, Triumph Financial's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Triumph Financial's Cyclically Adjusted Price-to-FCF falls into.


TFIN
62GF Score
Triumph Financial Inc TFIN
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Triumph Financial Cyclically Adjusted FCF 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 FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

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

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow 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 FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF 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 Free Cash Flow per Share data for the three months ended in Mar. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=-0.081/330.2130*330.2130
=-0.081

Current CPI (Mar. 2026) = 330.2130.

Triumph Financial Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 0.358 241.018 0.490
201609 0.346 241.428 0.473
201612 0.447 241.432 0.611
201703 0.170 243.801 0.230
201706 0.875 244.955 1.180
201709 0.574 246.819 0.768
201712 0.358 246.524 0.480
201803 0.384 249.554 0.508
201806 0.506 251.989 0.663
201809 0.558 252.439 0.730
201812 0.589 251.233 0.774
201903 0.644 254.202 0.837
201906 0.413 256.143 0.532
201909 0.721 256.759 0.927
201912 0.173 256.974 0.222
202003 0.413 258.115 0.528
202006 -0.218 257.797 -0.279
202009 1.583 260.280 2.008
202012 1.424 260.474 1.805
202103 0.665 264.877 0.829
202106 1.251 271.696 1.520
202109 1.232 274.310 1.483
202112 1.701 278.802 2.015
202203 1.913 287.504 2.197
202206 -1.639 296.311 -1.827
202209 1.859 296.808 2.068
202212 0.349 296.797 0.388
202303 -0.731 301.836 -0.800
202306 0.231 305.109 0.250
202309 0.297 307.789 0.319
202312 0.904 306.746 0.973
202403 -3.027 312.332 -3.200
202406 0.647 314.175 0.680
202409 0.860 315.301 0.901
202412 0.301 315.605 0.315
202503 -0.551 319.799 -0.569
202506 0.073 322.561 0.075
202509 0.738 324.800 0.750
202512 1.032 324.054 1.052
202603 -0.081 330.213 -0.081

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of $2.28 mean?
Triumph Financial (TFIN) has a Cyclically Adjusted FCF per Share of $2.28 as of Mar. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Triumph Financial and its competitors.
Is Triumph Financial's Cyclically Adjusted FCF per Share too high?
Triumph Financial's current Cyclically Adjusted FCF per Share is $2.28. Overall, Triumph Financial has a GF Score™ of 62/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Triumph Financial's Cyclically Adjusted FCF per Share compare to CASH and DCOM?
Triumph Financial's Cyclically Adjusted FCF per Share of $2.28 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 FCF per Share for a Banks company?
A good Cyclically Adjusted FCF per Share depends on the Banks industry context. However, Cyclically Adjusted FCF 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 FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Triumph Financial and its competitors. Triumph Financial's current Cyclically Adjusted FCF per Share is $2.28. 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 (TFIN) is currently considered Modestly Overvalued. The stock's GF Value™ is $67.28, compared to a current price of $77.41 — trading 15.1% above its estimated fair value. The current Cyclically Adjusted FCF per Share is $2.28. Triumph Financial's overall GF Score™ is 62/100 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 FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For Triumph Financial (TFIN), the current Cyclically Adjusted FCF per Share is $2.28 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 (TFIN) Overvalued in 2026?

Based on GuruFocus' analysis, Triumph Financial stock appears to be overvalued. The current stock price of $77.41 is trading 15.1% above its estimated GF Value™ of $67.28. GuruFocus considers Triumph Financial to be Modestly Overvalued.

Key valuation signals for TFIN:

  • Cyclically Adjusted FCF per Share: $2.28
  • GF Value™: $67.28 vs. price of $77.41 (15.1% above fair value)
  • GF Score™: 62/100 with 4 warning signs

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


Triumph Financial Business Description

Other Exchanges TFINp.PFD:USA2THA:Germany
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.
62GF Score

Get the complete analysis for TFIN

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

$77.41
Price
$67.28
GF Value