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Triumph Financial Inc. (TFIN) — RQD Stock Rating Cockpit

$63.47 +0.84% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $63.45

Triumph Financial Inc. (TFIN) carries a Roarable Rating of D- (Sell) with 43/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

📊 Historical Track Record Warning: Scores below 50 (43/100 · D-) historically underperformed SPY in 71% of rolling 90-day windows →

ROARABLE D- • SELL / AVOID Cap $1.52B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on TFIN Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is TFIN stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-02, Triumph Financial Inc. (NYSE: TFIN) is rated D- (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 43/100 at a spot price of $63.47 (+0.84% 1D, market cap $1.52B). Pillar breakdown: Fundamental Cash Engine 9/20, Institutional 13F & Options Flow 7/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 6/20, and SEC Balance-Sheet Forensics 8/20. Across 1096 tracked Financials issuers, TFIN ranks #875 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does TFIN compare to LKFN and AMAL in the Financials sector?

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Within the Financials sector (Major Banks), TFIN carries a Roarable D- (43/100 RQD), trailing P/E of 59.9x, gross margin of —, and ROIC of 2.7%. By comparison, LKFN (Lakeland Financial Corporation) holds a C+ grade (68/100 RQD, P/E 14.6x, ROIC 13.6%, cap $1.51B) and AMAL (Amalgamated Financial Corp.) posts a B grade (74/100 RQD, P/E 14.7x, ROIC 13.1%, cap $1.53B). Among the 5-stock peer group, CASH leads on earnings multiple (8.6x) while CASH leads on capital efficiency (21.8% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for TFIN?

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Per TFIN's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001539638), Triumph Financial Inc. generated $0 in revenue, $25.4M in net income, and $67.1M in free cash flow against $6.38B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity.. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $63.44 (-0.04%)🧬 Disciplined Float (-0.12% YoY Shares)⚙️ Cash Engine: 9/20 (D) • 1.7% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record Warning: Scores below 50 (43/100 · D-) historically underperformed SPY in 71% of rolling 90-day windows (-6.7% avg 90D alpha vs SPY • 29.0% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERSELL / AVOID • D-

2-of-3 JEV AI Jury Bearish Warning

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D- · Rk D

Each axis scored 0–20

12M PRICE TARGET CONE-6.7% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for TFIN)Realized 20D OHLCV Swing Band: ±6.1%

Deterministic 5-Pillar Attribution (43/100 Composite)

🔍 WHY TFIN SCORES 43/100 (D-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (30% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 5/9

▲ #2 Bullish Driver: Cash Engine Quality+9/20 pts (21% of score)

SEC XBRL FY 2025 (10-K): 1.7% FCF Margin ($67.1M FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: Macro Regime Fit6/20 pts (-14 pt drag)

Macro rate sensitivity & RSI-14 (51.6) create a -14 pt regime headwind

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade E$63.15-2.7% Next Q

Q2 (-2Q)

Grade E$61.44+3.1% Next Q

Q3 (-1Q)

Grade D$63.33+0.2% Next Q

Current

Grade D-$63.47-6.7% Hist 90D α

Trajectory: E (35) → D- (43)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a TFIN Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While TFIN currently carries a cautious 43/100 (D-) rating due to Macro Regime Fit (6/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Established market leader in Financials with deep daily trading liquidity.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($64.50) and Max Pain ($66.64) forces dealer call-delta covering toward $87.70.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Disciplined Float (-0.12% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $TFIN• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “TFIN Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 43%NO 57%Trade / Inspect Odds →

RSI-14 MOMENTUMNEUTRAL RANGE

51.630 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCORESOLID CORE (5–6)

5 / 99-Pt Accounting

52-WEEK LASER RANGE41% OF RANGE

L: $49$63.47H: $84

1. Money & Cash Health● WEAK

Are profits real cash in the bank?

Weak cash conversion or heavy valuation strain compared to actual cash earned.

Factor Grade: DRQD 9 / 20

2. Big Money & Insiders● TRIMMING

Are whales & executives buying or selling?

Insiders and big institutional desks have been trimming shares rather than stepping up to buy.

Factor Grade: D-RQD 15 / 40

3. Hidden Risks & Market Weather● WARNING

SEC fine-print scan & interest-rate fit

High sensitivity to tight interest rates or new risk warnings added to recent SEC annual filings.

Factor Grade: DRQD 19 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

2-of-3 JEV AI Jury Bearish Warning on TFIN

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

BEARISH (45)

2.7% ROIC with 42.0% gross margin and 4.42% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 5/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

BEARISH (35)

15/40 institutional & smart-money positioning score with 6/20 macro alignment.

Bull Case: Why Buyers Like TFIN

✓Established market leader in Financials with deep daily trading liquidity.

Bear Case: What Could Go Wrong

!Company executives have done more routine share selling than personal cash buying lately.
!Sensitive to high interest rates and tighter Federal Reserve market liquidity.
!Priced at 60x earnings—high expectations leave less room for a lukewarm quarter.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring TFIN)

✓Walkthrough of TFIN's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

TFIN // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -3.36%⚡ TESTING RESISTANCE

2026-11-02O $62.94H $63.47L $62.94C $63.47VOL 230.6K

RES: $64.51SUP: $58.67SMA50: $64.50SMA200: $67.22

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

TFIN Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 TFIN Butterfly Map → + Track TFIN →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

41.4%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on TFIN today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for TFIN. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for TFIN today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (TFIN)

Financials Rank #875 of 1096 ⚔️ LKFN vs TFIN Full Matrix →

1. Head-to-Head Financials Peer Comparison (TFIN vs. LKFN, AMAL, TMP, CASH)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Triumph Financial Inc. (TFIN) ranks #875 by composite RQD confidence (43/100, grade D-) and #484 by equity capitalization ($1.52B). Within this direct 5-issuer industry benchmark cohort, CASH leads on earnings valuation at 8.6x trailing P/E, while CASH leads on capital efficiency and profitability with 21.8% ROIC and — gross margin. AMAL currently holds the highest overall quantitative score in the immediate peer group at 74/100 (B) compared with TFIN at 43/100 (D-).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
TFIN ACTIVE Triumph Financial Inc.	D-	43/100	59.9x	—	2.7%	+0.84%	$1.52B	Benchmark Subject
LKFN Lakeland Financial Corporation	C+	68/100	14.6x	—	13.6%	+1.03%	$1.51B	/lkfn-vs-tfin →
AMAL Amalgamated Financial Corp.	B	74/100	14.7x	—	13.1%	+0.37%	$1.53B	/amal-vs-tfin →
TMP Tompkins Financial Corporation	C	63/100	9.1x	—	17.2%	+0.53%	$1.46B	/tmp-vs-tfin →
CASH Pathward Financial Inc.	D+	56/100	8.6x	—	21.8%	+0.88%	$1.59B	/cash-vs-tfin →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001539638

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Triumph Financial Inc. (TFIN) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $25.4M, operating cash flow of $67.1M, and free cash flow of $67.1M (+14.6% YoY). On the balance sheet, TFIN closed FY2025 with $6.38B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$25.4M	$67.1M	$67.1M	$6.38B	—
FY2024 (FY)	2024-12-31	$0	$16.1M	$58.5M	$58.5M	$5.95B	—
FY2023 (FY)	2023-12-31	$0	$41.1M	$60.0M	$60.0M	—	—

3. TFIN Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is TFIN stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does TFIN compare to LKFN and AMAL in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for TFIN?

Where is TFIN trading relative to its 50-day, 200-day, and 52-week technical levels?

TFIN last traded at $63.47 (+0.84% on volume of 230,577 shares), positioning the stock -1.60% below its 50-day simple moving average ($64.50) and -5.58% below its 200-day simple moving average ($67.22). Across its 52-week range of $49.27 to $83.52, TFIN sits at the 41.5% percentile with a 14-day RSI of 51.6 (NEUTRAL RANGE) and an implied next-earnings move of ±6.1% ($59.60 to $67.34).

TFIN Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell TFIN stock right now?

Triumph Financial Inc. (TFIN) currently earns a Roarable Rating of D- (Sell — SELL) with 43/100 RQD Confidence. Stretched risk/reward at 60x P/E (3% return on capital) under elevated 10-year interest-rate pressure.

What is TFIN's 12-month price target and RQD AI Jury consensus?

TFIN's 12-month base price target is $59.19 (range $46.17 to $87.7), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: TFIN RQD Cockpit TFIN 12M Forecast TFIN Earnings & Move TFIN Dividends & DRIP TFIN Insiders & 13F TFIN Whale Options TFIN Profit Sankey TFIN News & Why