Triumph FinancialSTU:2THA +5.51%64 OCF Margin % is 4.83% as of Mar. 2026, which is 80% below its 10-year median of 24.22. GuruFocus rates STU:2THA with a GF Score™ of 64/100 and a GF Value™ of €58.55 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,501 Banks companies, Triumph Financial ranks worse than 65.16% on this metric.
The historical rank and industry rank for Triumph Financial's OCF Margin % or its related term are showing as below:
STU:2THA'
s OCF Margin % Range Over the Past 10 Years
Min: 14.09 Med: 24.22 Max: 32.33
Current: 17.66
During the past 13 years, the highest OCF Margin % of Triumph Financial was 32.33%. The lowest was 14.09%. And the median was 24.22%.
STU:2THA's OCF Margin % is ranked worse than 65.16% of 1501
companies
in the Banks industry
Industry Median: 29.44
vs STU:2THA: 17.66
Triumph Financial OCF Margin % Related Terms
Triumph Financial OCF Margin % Historical Data
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The historical data trend for Triumph Financial's OCF Margin % 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 FSUN, CASH, DCOM: OCF Margin % Comparison
For the Banks - Regional subindustry, Triumph Financial's OCF Margin %, along with its competitors' market caps and OCF Margin % 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Triumph Financial's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Triumph Financial's OCF Margin % falls into.
* 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 OCF Margin % of 4.83% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Triumph Financial and its competitors. This is 80% below median its historical median of 24.22. Over the past decade, Triumph Financial's OCF Margin % has ranged from 14.09 to 32.33. According to the industry distribution chart, Triumph Financial ranks #978 out of 1501 companies in the Banks industry, placing it in the top 65.2%.
Is Triumph Financial's OCF Margin % too high?
Triumph Financial's current OCF Margin % of 4.83% is 80% below median its 10-year median of 24.22. Over the past 10 years, this metric has ranged from a low of 14.09 to a high of 32.33. The Banks industry median OCF Margin % is 29.44. Triumph Financial's value of 4.83% is 83.6% below this industry median. Based on the distribution chart, Triumph Financial ranks #978 out of 1501 companies in the Banks industry, which is below the industry midpoint. Overall, Triumph Financial has a GF Score™ of 64/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Triumph Financial's OCF Margin % compare to FSUN and CASH?
According to the Banks industry distribution chart, Triumph Financial ranks #978 out of 1501 companies for OCF Margin %. This places Triumph Financial in the lower half of its industry. The industry median OCF Margin % is 29.44. Triumph Financial's value of 4.83% is 83.6% below this benchmark. Historically, Triumph Financial's own OCF Margin % has ranged from 14.09 to 32.33 over the past decade. While the company's 10-year median is 24.22 vs. the industry median of 29.44, Triumph Financial has consistently been below 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.44, based on 1,501 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Triumph Financial's current OCF Margin % of 4.83% is 83.6% below 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Triumph Financial and its competitors. For the Banks industry, the median OCF Margin % is 29.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Triumph Financial's current OCF Margin % is 4.83%, which is 80% below median its own 10-year median of 24.22. 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 €58.55, compared to a current price of €67.00 — trading 14.4% above its estimated fair value. The current OCF Margin % is 4.83%, which is 80% below median its 10-year median of 24.22 and 83.6% below the Banks industry median of 29.44. Triumph Financial's overall GF Score™ is 64/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Triumph Financial (STU:2THA), the current OCF Margin % is 4.83% 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 €67.00 is trading 14.4% above its estimated GF Value™ of €58.55.
GuruFocus considers Triumph Financial to be Modestly Overvalued.
Key valuation signals for STU:2THA:
OCF Margin %: 4.83% (80% below median its 10-year median of 24.22)
GF Value™: €58.55 vs. price of €67.00 (14.4% above fair value)
Industry Position: 83.6% below the Banks median (#978 of 1501)
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.
64GF Score
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