Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Triumph FinancialSTU:2THA -0.79%68 EV-to-FCF is 13.05 as of Aug. 25, 2026, which is 48% below its 10-year median of 25.31. GuruFocus rates STU:2THA with a GF Score™ of 68/100 and a GF Value™ of €62.58 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,181 Banks companies, Triumph Financial ranks worse than 71.3% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Triumph Financial's Enterprise Value is €876.1 Mil.
Triumph Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Jun. 2026 was €67.1 Mil. Therefore, Triumph Financial's EV-to-FCF for today is 13.05.
The historical rank and industry rank for Triumph Financial's EV-to-FCF or its related term are showing as below:
STU:2THA'
s EV-to-FCF Range Over the Past 10 Years
Min: -737.43 Med: 25.31 Max: 492.18
Current: 13.1
During the past 13 years, the highest EV-to-FCF of Triumph Financial was 492.18. The lowest was -737.43. And the median was 25.31.
STU:2THA's EV-to-FCF is ranked worse than 71.3% of 1181
companies
in the Banks industry
Industry Median: 7.08
vs STU:2THA: 13.10
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Triumph Financial's PE Ratio (TTM) for today is calculated as:
Triumph Financial's share price for today is €63.00.
Triumph Financial's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €1.273.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Triumph Financial EV-to-FCF Related Terms
Triumph Financial EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Triumph Financial's EV-to-FCF 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.
STU:2THA vs RBCAA, GABC, TCBK: EV-to-FCF Comparison
For the Banks - Regional subindustry, Triumph Financial's EV-to-FCF, along with its competitors' market caps and EV-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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Triumph Financial's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Triumph Financial's EV-to-FCF falls into.
Triumph Financial's current Enterprise Value is €876.1 Mil.
Triumph Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €67.1 Mil.
* 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 (STU:2THA) has a EV-to-FCF of 13.05 as of Aug. 25, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Triumph Financial and its competitors. This is 48% below median its historical median of 25.31. According to the industry distribution chart, Triumph Financial ranks #842 out of 1181 companies in the Banks industry, placing it in the top 71.3%.
Is Triumph Financial's EV-to-FCF too high?
Triumph Financial's current EV-to-FCF of 13.05 is 48% below median its 10-year median of 25.31. The Banks industry median EV-to-FCF is 7.08. Triumph Financial's value of 13.05 is 84.3% above this industry median. Based on the distribution chart, Triumph Financial ranks #842 out of 1181 companies in the Banks industry, which is below the industry midpoint. Overall, Triumph Financial has a GF Score™ of 68/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Triumph Financial's EV-to-FCF compare to RBCAA and GABC?
According to the Banks industry distribution chart, Triumph Financial ranks #842 out of 1181 companies for EV-to-FCF. This places Triumph Financial in the lower half of its industry. The industry median EV-to-FCF is 7.08. Triumph Financial's value of 13.05 is 84.3% above this benchmark. While the company's 10-year median is 25.31 vs. the industry median of 7.08, Triumph Financial has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 7.08, based on 1,181 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Triumph Financial's current EV-to-FCF of 13.05 is 84.3% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Triumph Financial and its competitors. For the Banks industry, the median EV-to-FCF is 7.08 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Triumph Financial's current EV-to-FCF is 13.05, which is 48% below median its own 10-year median of 25.31. 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 Fairly Valued. The stock's GF Value™ is €62.58, compared to a current price of €63.00 — trading 0.7% above its estimated fair value. The current EV-to-FCF is 13.05, which is 48% below median its 10-year median of 25.31 and 84.3% above the Banks industry median of 7.08. Triumph Financial's overall GF Score™ is 68/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Triumph Financial (STU:2THA), the current EV-to-FCF is 13.05 as of Aug. 25, 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 €63.00 is trading 0.7% above its estimated GF Value™ of €62.58.
GuruFocus considers Triumph Financial to be Fairly Valued.
Key valuation signals for STU:2THA:
EV-to-FCF: 13.05 (48% below median its 10-year median of 25.31)
GF Value™: €62.58 vs. price of €63.00 (0.7% above fair value)
Industry Position: 84.3% above the Banks median (#842 of 1181)
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 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.
68GF Score
Get the complete analysis for STU:2THA
EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
STU:2THA has been successfully added to your 
