TFIN (Triumph Financial) Moat Score: 3/10 (As of Jun. 29, 2026)


TFIN Triumph Financial Inc TFIN
62 GF Score
Price $75.67
GF Value $67.12
Valuation Modestly Overvalued
! 4 Warning Signs
View Full Analysis

What is Triumph Financial Moat Score?

Triumph Financial TFIN -1.48% 62 Moat Score is 3 as of Jun. 29, 2026. GuruFocus rates TFIN with a GF Score™ of 62/100 and a GF Value™ of $67.12 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,614 Banks companies, Triumph Financial ranks better than 74.54% on this metric.

Triumph Financial has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

Triumph Financial has No Moat: Triumph Financial Inc operates in a competitive financial services sector with limited differentiation. It lacks significant customer switching costs, brand strength, or regulatory barriers to establish a durable competitive advantage.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Triumph Financial might have No Moat - Very weak/transient advantages.

Triumph Financial  (NYSE:TFIN) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Triumph Financial Moat Score Related Terms

TFIN vs CASH, DCOM, FSUN: Moat Score Comparison

For the Banks - Regional subindustry, Triumph Financial's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Triumph Financial's Moat Score distribution charts can be found below:

* The bar in red indicates where Triumph Financial's Moat Score falls into.


TFIN
62GF Score
Triumph Financial Inc TFIN
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
Triumph Financial (TFIN) has a Moat Score of 3 as of Jun. 29, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Triumph Financial ranks #411 out of 1614 companies in the Banks industry, placing it in the top 25.5%.
Is Triumph Financial's Moat Score too high?
Triumph Financial's current Moat Score is 3. Based on the distribution chart, Triumph Financial ranks #411 out of 1614 companies in the Banks industry, which is above the industry midpoint. 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 Moat Score compare to CASH and DCOM?
According to the Banks industry distribution chart, Triumph Financial ranks #411 out of 1614 companies for Moat Score. This puts Triumph Financial in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Triumph Financial's current Moat Score is 3. 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 $67.12, compared to a current price of $75.67 — trading 12.7% above its estimated fair value. The current Moat Score is 3. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Triumph Financial (TFIN), the current Moat Score is 3 as of Jun. 29, 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 $75.67 is trading 12.7% above its estimated GF Value™ of $67.12. GuruFocus considers Triumph Financial to be Modestly Overvalued.

Key valuation signals for TFIN:

  • Moat Score: 3
  • GF Value™: $67.12 vs. price of $75.67 (12.7% 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

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$75.67
Price
$67.12
GF Value