NASDAQ$TFIN

Triumph Financial Inc · Q1 2022 earnings

Q1 2022 earnings · · Investor relations

Briefing

Reported net income to common stockholders of $23.5 million.

Triumph Bancorp reported a net income to common shareholders of $23.5 million, with diluted earnings per share at $0.93 for the first quarter of 2022. The company experienced a decrease in total loans held for investment and deposits, driven by the classification of a portion of such assets and deposits to held for sale.

  • Net income to common shareholders was $23.5 million, and diluted earnings per share were $0.93.
  • Net interest income was $100.1 million.
  • TriumphPay processed 4.0 million invoices paying carriers a total of $5.701 billion.
  • Total loans held for investment decreased $143.5 million, or 2.9%, during the first quarter to $4.724 billion.

Headline financials

Total Revenue

$111M

Previous: $97.3M+14.3%
EPS (adj)

$0.93

Previous: $1.32-29.5%
Net Interest Margin

7.7%

Previous: 6.1%+26.7%
Past Due Loans Ratio

2.7%

Previous: 2.0%+39.3%
Non-Performing Assets Ratio

0.9%

Previous: 1.1%-24.3%
Net Charge-offs to Loans

0.0%

Previous: 0.8%-96.5%
Free Cash Flow

$24.3M

Previous: $33.9M-28.3%
Net Income

$24.3M

Previous: $33.9M-28.3%
Operating Income

$83.5M

Previous: $73.9M+13.1%
Gross Profit

$111M

Previous: $89.5M+23.7%
Cash & Equivalents

$414M

Previous: $381M+8.6%
Total Assets

$6.08B

Previous: $6.1B-0.4%
Stock-Based Comp

$4.95M

Previous: $1.35M+266.8%

Revenue & EPS history

Triumph Financial · Revenue · Quarterly

$111M

Q1 2022+14.3%vs Q1 2021
Beat estimate in 9 of 16 quarters(56%)
ActualEstimate

Revenue by segment

Triumph Financial · $66.3M total across 2 segments · Q1 2022

  • Factoring
    $58.2M+55.0%
  • Payments
    $8.07M

Forward guidance

This press release contains forward-looking statements. Any statements about our expectations, beliefs, plans, predictions, forecasts, objectives, assumptions or future events or performance are not historical facts and may be forward-looking.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q1 2022

Historical avgQ1 2022

-0.5%

Avg return

Earnings day

-0.2%

Avg return

5 days after

+3.7%

Avg return

30 days after

48%

26 / 54 earnings

Positive

+12.5%

Q2 2020

Best reaction

-13.9%

Q4 2024

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026+1.9%+1.9%-0.6%
Q4 2025-7.2%-10.6%-16.3%
Q3 2025+7.3%+25.4%+9.4%
Q2 2025-2.6%-2.0%+7.0%
Q1 2025-2.4%-3.0%+22.8%
Q4 2024-13.9%-14.5%-26.6%
Q3 2024+7.9%+9.0%+21.6%
Q2 2024-12.6%-7.7%-10.3%
Q1 2024-9.6%-7.9%+1.7%
Q4 2023-5.2%-6.5%-2.6%
Q3 2023+1.3%+1.0%+17.6%
Q2 2023+0.3%+0.7%-5.2%
Q1 2023-3.3%-0.9%+0.8%
Q4 2022-2.2%+2.9%+15.0%
Q3 2022-10.1%-17.2%+4.7%
Q2 2022+6.9%+4.5%+8.1%
Q1 2022-6.4%-8.1%-19.6%
Q4 2021-12.4%-18.8%-13.9%
Q3 2021+0.0%+6.3%+18.9%
Q2 2021+2.3%+2.9%+10.2%
Q1 2021-0.4%+0.5%-8.6%
Q4 2020+4.2%+10.1%+28.5%
Q3 2020+3.9%+8.1%+11.2%
Q2 2020+12.5%+10.2%+18.4%
Q1 2020-4.3%-8.3%-7.7%
Q4 2019+6.0%+5.2%+10.3%
Q3 2019+1.1%+5.8%+5.5%
Q2 2019+7.8%+9.2%+7.0%
Q1 2019-4.6%-7.3%-2.6%
Q4 2018-9.1%-4.2%+3.0%
Q3 2018-2.0%-7.2%+0.2%
Q2 2018-1.6%-1.4%+2.7%
Q1 2018+2.0%+0.5%+3.8%
Q4 2017+7.2%+6.9%+15.6%
Q3 2017-0.6%+1.3%-5.1%
Q2 2017+7.8%+14.1%+8.7%
Q1 2017-3.7%-9.8%-12.9%
Q4 2016+3.6%+5.9%+5.6%
Q3 2016-4.1%-5.8%+11.4%
Q2 2016+4.1%+2.2%+9.7%
Q1 2016+0.2%
Q4 2015-0.2%
Q4 2012-0.2%
Q3 2015-1.0%
Q2 2015+3.1%
Q1 2014+0.2%
Q1 2015+2.7%
Q2 2014-0.2%
Q4 2013-0.2%
Q1 2013-0.2%
Q4 2014-2.5%
Q2 2013+1.0%
Q3 2013+1.0%
Q3 2014+1.0%

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