TFIN Triumph Financial, Inc.

Overview and Growth

In fiscal 2025, Triumph Financial, Inc. reported net income of $25.36M. On a per-share basis, diluted EPS was $0.93, which connects the reported earnings outcome with the company’s diluted share count. Diluted EPS increased by 72.2% from $0.54 in fiscal 2024, showing how the earnings change reached shareholders on a per-share basis. The diluted weighted-average share count was 23.85M, linking total earnings with the per-share result received by shareholders. The diluted share count was 0.3% higher than fiscal 2024, when diluted shares averaged 23.78M, adding context to the EPS comparison. Total assets stood at $6.38B, defining the scale of the bank’s financial balance sheet and providing the base for evaluating earnings returns, capitalization, liquidity, and its shareholder-capital buffer.

Profitability

Bottom-line earnings totaled $25.36M for the fiscal year. The earnings statement records $32.99M of pretax income, the profit base against which the reported tax provision can be assessed. The company recognized $7.63M of income tax for the period, completing the transition from pretax income to net income. The effective relationship between income tax and positive pretax income was 23.1%, without assuming a statutory-rate comparison. Return on period-end equity was 2.7%, relating annual net income to the equity capital on the balance sheet. Return on period-end assets was 0.4%, connecting net income with the company’s total asset base. Current net income of $25.36M was above fiscal 2024 net income of $16.09M, showing the direction of the bottom-line change. For a banking business, profitability is best read through net income together with returns on the asset base and shareholder capital. Return on assets connects earnings to the full financial balance sheet, while return on equity shows the result relative to shareholder capital; together they separate operating scale from capitalization and clarify the relationship between them.

Liquidity and Capital Structure

The company held $6.38B of assets against $5.44B of liabilities and $941.77M of equity, revealing how the asset base was financed. Cash and equivalents totaled $248.47M, identifying the most liquid reported component available within the broader current-asset balance. Equity equaled 14.8% of assets, showing the shareholder-capital layer within the company’s balance sheet. The liabilities-to-assets relationship was 85.2%, placing reported obligations against the full positive asset balance. The cash-to-assets relationship was 3.9%, comparing reported cash and equivalents with the full positive asset balance. The asset base changed 7.3% from $5.95B in fiscal 2024, leaving current total assets higher year over year. Against $890.92M of equity in fiscal 2024, the current book-equity balance moved 5.7% and ended higher. Compared with $330.12M in fiscal 2024, the current cash balance moved 24.7% and finished lower. Equity capitalization is particularly important for a bank because it provides the loss-absorbing layer beneath a predominantly liability-funded balance sheet. Year-over-year movement in total assets shows whether the banking platform expanded or contracted, while the accompanying change in book equity shows how shareholder capital moved alongside that balance-sheet scale.

Based on the annual report for the fiscal year ending Dec 31, 2025. Analysis generated Oct 21, 2026.