Triumph FinancialTFIN -2.90%62 Return-on-Tangible-Equity is 5.11% as of Mar. 2026, which is 60% below its 10-year median of 12.86. GuruFocus rates TFIN with a GF Score™ of 62/100 and a GF Value™ of $67.23 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,523 Banks companies, Triumph Financial ranks worse than 77.61% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Triumph Financial's annualized net income for the quarter that ended in Mar. 2026 was $25.4 Mil. Triumph Financial's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $497.0 Mil. Therefore, Triumph Financial's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 5.11%.
The historical rank and industry rank for Triumph Financial's Return-on-Tangible-Equity or its related term are showing as below:
TFIN'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 2.73 Med: 12.86 Max: 20.19
Current: 6.29
During the past 13 years, Triumph Financial's highest Return-on-Tangible-Equity was 20.19%. The lowest was 2.73%. And the median was 12.86%.
TFIN's Return-on-Tangible-Equity is ranked worse than 77.61% of 1523
companies
in the Banks industry
Industry Median: 11.2
vs TFIN: 6.29
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Triumph Financial Return-on-Tangible-Equity Related Terms
Triumph Financial Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Triumph Financial's Return-on-Tangible-Equity 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.
TFIN vs CASH, DCOM, FSUN: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Triumph Financial's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Triumph Financial's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Triumph Financial's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 5.11% mean?
Triumph Financial (TFIN) has a Return-on-Tangible-Equity of 5.11% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Triumph Financial and its competitors. This is 60% below median its historical median of 12.86. Over the past decade, Triumph Financial's Return-on-Tangible-Equity has ranged from 2.73 to 20.19. According to the industry distribution chart, Triumph Financial ranks #1182 out of 1523 companies in the Banks industry, placing it in the top 77.6%.
Is Triumph Financial's Return-on-Tangible-Equity too high?
Triumph Financial's current Return-on-Tangible-Equity of 5.11% is 60% below median its 10-year median of 12.86. Over the past 10 years, this metric has ranged from a low of 2.73 to a high of 20.19. The Banks industry median Return-on-Tangible-Equity is 11.20. Triumph Financial's value of 5.11% is 54.4% below this industry median. Based on the distribution chart, Triumph Financial ranks #1182 out of 1523 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 Return-on-Tangible-Equity compare to CASH and DCOM?
According to the Banks industry distribution chart, Triumph Financial ranks #1182 out of 1523 companies for Return-on-Tangible-Equity. This places Triumph Financial in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.20. Triumph Financial's value of 5.11% is 54.4% below this benchmark. Historically, Triumph Financial's own Return-on-Tangible-Equity has ranged from 2.73 to 20.19 over the past decade. While the company's 10-year median is 12.86 vs. the industry median of 11.20, 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.20, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Triumph Financial's current Return-on-Tangible-Equity of 5.11% is 54.4% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Triumph Financial and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Triumph Financial's current Return-on-Tangible-Equity is 5.11%, which is 60% below median its own 10-year median of 12.86. 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 $67.23, compared to a current price of $77.01 — trading 14.5% above its estimated fair value. The current Return-on-Tangible-Equity is 5.11%, which is 60% below median its 10-year median of 12.86 and 54.4% below the Banks industry median of 11.20. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Triumph Financial (TFIN), the current Return-on-Tangible-Equity is 5.11% 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 $77.01 is trading 14.5% above its estimated GF Value™ of $67.23.
GuruFocus considers Triumph Financial to be Modestly Overvalued.
Key valuation signals for TFIN:
Return-on-Tangible-Equity: 5.11% (60% below median its 10-year median of 12.86)
GF Value™: $67.23 vs. price of $77.01 (14.5% above fair value)
Industry Position: 54.4% below the Banks median (#1182 of 1523)
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 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
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