Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
Triumph Financial's 10-Year RORE % for the quarter that ended in Mar. 2026 was -0.90%.
The industry rank for Triumph Financial's 10-Year RORE % or its related term are showing as below:
TFIN's 10-Year RORE % is ranked worse than 82.55% of 1089
companies
in the Banks industry
Industry Median: 10.22
vs TFIN: -0.90
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 10-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
Triumph Financial 10-Year RORE % Related Terms
Triumph Financial 10-Year RORE % Historical Data
* Premium members only.
The historical data trend for Triumph Financial's 10-Year RORE % 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: 10-Year RORE % Comparison
For the Banks - Regional subindustry, Triumph Financial's 10-Year RORE %, along with its competitors' market caps and 10-Year RORE % 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 10-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Triumph Financial's 10-Year RORE % distribution charts can be found below:
* The bar in red indicates where Triumph Financial's 10-Year RORE % 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 10-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 10-year before.
Triumph Financial (TFIN) has a 10-Year RORE % of -0.90 as of Mar. 2026. 10-Year RORE % shows how much a company earns by reinvesting its retained earnings in 10-year. View historical data on Triumph Financial and its competitors. According to the industry distribution chart, Triumph Financial ranks #899 out of 1089 companies in the Banks industry, placing it in the top 82.6%.
Is Triumph Financial's 10-Year RORE % too high?
Triumph Financial's current 10-Year RORE % is -0.90. Based on the distribution chart, Triumph Financial ranks #899 out of 1089 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 10-Year RORE % compare to CASH and DCOM?
According to the Banks industry distribution chart, Triumph Financial ranks #899 out of 1089 companies for 10-Year RORE %. This places Triumph Financial in the lower half of its industry. The industry median 10-Year RORE % is 10.22. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 10-Year RORE % for a Banks company?
The median 10-Year RORE % among Banks companies is 10.22, based on 1,089 companies in the industry. Companies in the top quartile (top 25%) have a 10-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 10-Year RORE % 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 10-Year RORE % mean?
A high 10-Year RORE % can signal that a stock is expensive relative to its fundamentals. 10-Year RORE % shows how much a company earns by reinvesting its retained earnings in 10-year. View historical data on Triumph Financial and its competitors. For the Banks industry, the median 10-Year RORE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Triumph Financial's current 10-Year RORE % is -0.90. 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 $67.40, compared to a current price of $78.44 — trading 16.4% above its estimated fair value. The current 10-Year RORE % is -0.90. 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 10-Year RORE % calculated?
10-Year RORE % is calculated from a company's financial statements. For Triumph Financial (TFIN), the current 10-Year RORE % is -0.90 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 $78.44 is trading 16.4% above its estimated GF Value™ of $67.40.
GuruFocus considers Triumph Financial to be Modestly Overvalued.
Key valuation signals for TFIN:
10-Year RORE %: -0.90
GF Value™: $67.40 vs. price of $78.44 (16.4% above fair value)
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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