TFIN

Find your next quality investment with Simply Wall St's easy and powerful screener, trusted by over 7 million individual investors worldwide. Triumph Financial stock has delivered a 26.6% return over the past year, yet the valuation checks currently lean expensive rather than pointing to an obvious bargain. A 26.6% one-year return puts recent shareholders in a strong position, so the key issue is whether the current price already reflects much of the good news. Management's focus on organic growth in transportation finance and investments in the LoadPay and Intelligence offerings can support long-term revenue potential, but the capital and execution risk around these initiatives may weigh on how much investors are willing to pay today. Triumph Financial scores 0 out of 6 on the broader valuation checks, which suggests the stock does not screen as cheap on standard metrics such as multiples and balance sheet-based measures 0/6 valuation checks. The issue now is whether Triumph Financial's recent share price strength leaves enough valuation support for new investors at current levels. Triumph Financial delivered 26.6% returns over the last year. See how this stacks up to the rest of the Banks industry. The P/E ratio is a common way to assess Triumph Financial because earnings remain a key anchor for how banks are valued. Triumph Financial currently trades on a P/E of 66.2x, which is well above the broader banks industry average of 12.2x and also above the peer group average of 18.0x. The fair P/E ratio implied by the valuation framework is 24.5x. The current 66.2x therefore represents a substantial premium to what the model suggests might be reasonable given Triumph Financial's profile. Despite recent commentary around transportation revenue growth, LoadPay and the Intelligence unit, the market is pricing Triumph Financial at a much richer earnings multiple than both sector norms and this tailored fair value marker. On this P/E yardstick, Triumph Financial stock currently screens as clearly overvalued. See what the numbers say about this price — find out in our valuation breakdown. Simply Wall St Narratives for Triumph Financial pick up where the valuation puzzle leaves off. They spell out which paths for Triumph Financial's growth, margins and earnings would need to play out for the stock to be worth significantly more or less than it is today on the market, and turn a single ratio or model output into a set of concrete future conditions that you can later compare with what actually happens. These Narratives sit on Simply Wall St's Community page and are designed to be read alongside, not instead of, the numbers. If you have a data backed view on whether Triumph Financial's focus on organic transportation growth, LoadPay and the Intelligence unit really supports today's valuation, consider sharing a Narrative in the Simply Wall St community so others can see how your thesis lines up with the numbers. It is a chance to add your voice, lay out a clear case for Triumph Financial's risk and reward trade off, and track how that view holds up as new results and freight market updates come through. Do you think there's more to the story for Triumph Financial? Head over to our Community to see what others are saying! Triumph Financial now trades on earnings multiples that look overvalued relative to both its sector and a tailored fair P/E marker, while broader valuation checks also come through as weak. That combination suggests you are paying up today for the company’s transportation finance and payments story, rather than buying in on a clear discount. The core question from here is whether Triumph Financial can execute on LoadPay, the Intelligence unit and organic transport growth strongly enough to keep that premium multiple feeling justified, or whether expectations cool and the valuation settles closer to bank peers. This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned. Companies discussed in this article include TFIN. Have feedback on this article? Concerned about the content? Get in touch with us directly. Alternatively, email [email protected]

Interested in Triumph Financial, Inc.? Here are five stocks we like better. Triumph Financial said the freight market has clearly changed, with higher transportation invoice prices and stronger core transportation businesses driving a better-than-recent history performance. Management said the company is benefiting from a more favorable market but still sees some segments facing difficulty. Higher invoice prices are the main driver of outlook sensitivity, with management estimating about a $7 million annualized pre-tax income change for every $100 move in invoice prices. The company also expects transportation revenue growth to exceed its prior target by a material amount as customer penetration and sales momentum continue. LoadPay, factoring, and banking are all showing operational progress, with LoadPay gaining from new product features and management expecting it to approach breakeven through 2027. Triumph also said factoring margins should improve with automation, while the intelligence business still needs better retention and growth. Triumph Financial Stock Breakout: Why It's Just the Beginning Triumph Financial (NYSE:TFIN) executives said the company’s second-quarter results reflected a turning point in the freight market, with higher transportation invoice prices and growth across core transportation-related businesses supporting improved performance. Vice Chairman and CEO Aaron Graft said the company is operating in “a different market” than it was earlier this year, following comments on the prior earnings call that the freight market “may be changing.” → Buyback Boom: These 3 Companies Are Betting Billions on Their Own Stocks “As we sit here today, I think I can say definitively that the market has changed,” Graft said. “This market is good for many, but it is also difficult for some.” Graft said that, after adjusting for non-core expenses and other “noise” in the quarter, Triumph’s business model is performing materially ahead of its recent history. He also said the company is seeing validation that its value chain is working as intended. → 3 Photonics Companies Making Quantum Tech Possible In response to a question from Raymond James analyst Joe Yanchunis, Graft said the analyst’s interpretation of the impact of higher transportation invoice prices was “solid.” Yanchunis noted that Triumph’s prior fourth-quarter 2026 EPS target assumed average transportation invoice prices of about $1,800, while the current environment is closer to $2,200. Graft said Triumph has about a $7 million annualized pre-tax income change for every $100 change in invoice prices over the course of a year. → AI Data Centers Need Power, and These 2 Industrials Are Cashing In “That math is pretty straightforward,” Graft said. “Yes, I believe that you’ve characterized that correctly.” Graft said invoice prices would remain the biggest driver of changes to the company’s outlook, while core trends are “pretty well in place.” He also said Triumph expects continued momentum from customer penetration and sales through the rest of the year. Chief Financial Officer Brad Voss said expenses are expected to trend modestly higher in 2027, while incentive accruals in the back half of 2026 would reset at the start of next year. Graft added that the company is focused on operational leverage, not just absolute expense levels. “If expenses increase next year, that can only happen if we grow revenue more than expenses,” Graft said. Asked by KBW analyst Timothy Switzer about Triumph’s prior target for 20% year-over-year transportation revenue growth in the fourth quarter, Graft said the company’s organic growth is running in the mid-teens when separating out the impact of higher invoice sizes. Graft said Triumph is growing organically by deepening relationships with existing customers and winning new business, including in its factoring segment, despite a shrinking marketplace. “It’s very difficult for me to see how we won’t eclipse the growth target for transportation revenue growth by a material amount at the end of this year,” Graft said. He attributed some of the growth to company execution and some to changes in the market, including supply reductions tied to litigation, legislation and regulation, as well as broader market normalization. Graft said the prior $1,800 invoice environment was unlikely to persist indefinitely because carriers’ input costs had risen to levels that made it difficult for them to earn their cost of capital. David Vielehr, president of LoadPay, said Triumph completed several product additions in the first half of the year, including the ability to offer factoring, banking, fuel integration and intelligence tools within one platform for carriers. Vielehr said LoadPay has benefited from account growth and higher revenue per account, with revenue growing faster than the number of accounts. “We think we are uniquely positioned in three ways to keep winning share,” Vielehr said, citing Triumph’s carrier distribution, integrations with more than 400 brokers and the economics of being a bank. Asked by D.A. Davidson analyst Gary Tenner when LoadPay could reach EBITDA breakeven, Vielehr said Triumph expects LoadPay to begin to be breakeven as it moves through 2027. Graft said he would “love to see it by the end of next year breakeven and continue to grow from there,” while cautioning that his history of predicting the timing of profitability has not been precise. Graft said Triumph is in the “early innings” of using technology and automation to improve the factoring cost structure, adding that the company intends the process to be ongoing. He said the company had historically prioritized technology for customer-facing products but is now putting greater emphasis on internal efficiency. Graft said automation should increase the number of invoices handled per employee while also improving customer experience. “All things being equal in what is a cyclical business, I would expect margin to continue to increase because we will get more efficient,” Graft said. He said he wants the factoring business to move above a 40% operating margin and remain there, which he described as a 5% to 7% return on average assets. Graft also said factoring has value beyond its own revenue, serving as an entry point into Triumph’s broader transportation technology platform. He said factoring customers can become LoadPay, equipment finance and intelligence customers. Kim Fisk, president of factoring, said fuel accounts for about 25% of a carrier’s costs, and Triumph estimates fuel represented about 25% of the increase in invoice prices. Graft cautioned that the company cannot isolate the exact impact of fuel with precision because invoice prices reflect multiple inputs, including market tightness and seasonality. Fisk also said that about 70% of Triumph’s portfolio is broker-related and 30% is shipper-related. She said the company estimates about 65% to 70% of average invoice prices in the large carrier segment are tied to contract-rate assumptions, though she noted the calculation is not precise. Todd Ritterbusch, president of payments and banking, described the second quarter as “a quarter of progress” for the banking segment. He said Triumph earned new business, created additional efficiencies and saw stable core deposit costs. “I think the outlook is pretty smooth from here,” Ritterbusch said. On Triumph’s intelligence segment, Graft acknowledged that revenue has not scaled as quickly as expected in the first four quarters since the acquisition of the business. “It’s disappointing to me Intelligence did not scale faster in the first four quarters,” Graft said. “I won’t explain it away. I’ll just own it.” However, he said the long-term rationale remains intact because Triumph touches a large volume of brokered freight invoices through audit, payment and factoring activities, giving it data it can provide back to the market. Ben Volkwyn, head of enterprise data and intelligence, said customer demand has been strong across broker tiers, and the company is working to evolve the offering from a pricing tool into a broader intelligence platform covering pricing, capacity and market insights. “We clearly need to increase our retention,” Volkwyn said. “We need to make sure that our product has perfect market fit. We listen to our client needs. We need to grow ARR.” Graft said Triumph expects to update its “North Star” metrics in 2027 to better reflect LoadPay and intelligence as they become more material to the company’s story. Triumph Financial, Inc (NYSE: TFIN) is a financial holding company that operates through its banking subsidiary to provide commercial banking and related financial services. The company focuses on delivering deposit, lending and payment solutions customary to community-oriented banks and regional financial institutions. Products and services typically offered include commercial and consumer lending, residential mortgage origination and servicing, deposit accounts, cash management and treasury services, and other fee-based banking products. This instant news alert was generated by narrative science technology and financial data from MarketBeat in order to provide readers with the fastest reporting and unbiased coverage. Please send any questions or comments about this story to [email protected]. The article "Triumph Financial Q2 Earnings Call Highlights" was originally published by MarketBeat. View MarketBeat's top stocks for July 2026.

This article first appeared on GuruFocus. Core Initiatives Expansion: Material expansion observed in core initiatives. Market Conditions: Positive market tailwinds contributing to performance. Business Model Performance: Performing materially ahead of recent history. Value Chain Validation: Validation of the value chain delivering promised results. Warning! GuruFocus has detected 4 Warning Sign with TFIN. Is TFIN fairly valued? Test your thesis with our free DCF calculator. Release Date: July 22, 2026 For the complete transcript of the earnings call, please refer to the full earnings call transcript. Triumph Financial Inc (NYSE:TFIN) reported material expansion on core initiatives, indicating strong business performance. The company is experiencing positive momentum, with a business model performing ahead of recent history. Triumph's LoadPay platform is showing promising growth, with revenue per active carrier nearing target levels. The company is achieving mid-teens organic growth across most segments, driven by deepening customer relationships and winning new business. Triumph's factoring business is benefiting from increased invoice sizes due to market normalization, contributing to revenue growth. Higher noninterest expenses and slower contribution from the Intelligence segment are impacting the company's outlook. The Intelligence segment's revenue has been flat for several quarters, indicating slower-than-expected scaling. The banking segment has shown more volatility than expected, with fluctuating revenue trends. Factoring as a Service, while beneficial, has a low acquisition cost, which may limit immediate profitability. LoadPay, despite growth, is not expected to reach EBITDA breakeven until 2027, indicating ongoing investment needs. Q: In the shareholder letter, you noted that the original 4Q '26 EPS target assumed average transportation invoice prices of about $1,800. With today's $2,200 invoice environment, does this imply an incremental $0.20 to $0.25 to that quarter on top of that guide? What other factors might impact this outlook? A: W. Bradley Voss, Executive Vice President and CFO, confirmed the impact of invoice prices is solid, with a $7 million annualized pretax income change for a $100 change in invoice prices. The core trends are in place, and the focus is on maintaining discipline in expenses, with expected expenses of about $99 million in Q3 and $98 million in Q4. Q: As Amazon expands its logistics ecosystem, how do you view the potential impact on the brokered freight market? Does this represent a competitive threat or an opportunity for Triumph? A: Aaron Graft, CEO, stated that while Amazon's expansion could be seen as a competitive threat, Triumph focuses on moving data and money. Triumph aims to meet the financial, liquidity, and data needs of any active brokered freight participant, including Amazon. Q: Is there any update on the 20% transportation revenue growth expected for Q4? A: Aaron Graft, CEO, indicated that the company is on track to exceed the growth target due to organic growth and market changes. The company is winning new business, especially in factoring, and benefiting from market normalization. Q: Can you update us on the progress of LoadPay and its growth prospects? A: David Vielehr, President of LoadPay, highlighted the addition of new features like factoring and banking integration. The company is well-positioned to continue growth due to its distribution network, broker integrations, and banking economics. Q: What is the outlook for expenses in 2027, considering the noise with incentive accruals? A: W. Bradley Voss, CFO, expects expenses to trend slightly higher, with resets in incentive accruals. Aaron Graft, CEO, emphasized the focus on operational leverage, aiming to grow revenue more than expenses and using savings for strategic investments. For the complete transcript of the earnings call, please refer to the full earnings call transcript.

Find your next quality investment with Simply Wall St's easy and powerful screener, trusted by over 7 million individual investors worldwide. Triumph Financial (TFIN) has put fresh numbers on the table, with its second quarter and first half 2026 earnings now out, giving investors new detail on profitability, net interest income and segment momentum. The company reported second quarter net interest income of US$98.83 million, compared with US$88.68 million a year earlier, alongside net income of US$11.37 million versus US$4.42 million and diluted earnings per share from continuing operations of US$0.44 versus US$0.15. Across the first six months of 2026, Triumph Financial recorded net interest income of US$184.92 million, compared with US$173.06 million in the same period last year, with net income of US$17.73 million versus US$4.44 million and diluted earnings per share from continuing operations of US$0.67 versus US$0.12. See our latest analysis for Triumph Financial. Following the earnings release, Triumph Financial’s share price has shown solid momentum, with a 1-month share price return of 9.88% and a 90-day share price return of 25.86%, while the 1-year total shareholder return stands at 26.58%. If you are weighing what else to watch after Triumph Financial’s earnings, it can be a good moment to broaden your search and check out 18 top founder-led companies After a sharp move that leaves Triumph Financial trading above the average analyst target, the market appears to be pricing in less caution than before. Do the current earnings and business mix support that confidence, or do they suggest that a premium is creeping in? Triumph Financial is trading at a last close of $79.19, compared with a most-followed fair value estimate of $74.20, so the narrative currently sees the share price ahead of its calculated worth using a 7.11% discount rate. Read the complete narrative. Curious why a freight focused data engine and rising fee income could still sit alongside a premium price tag? The narrative leans heavily on expanding margins, faster earnings growth than revenues, and a richer profit multiple several years out. The exact mix of growth, profitability and valuation expectations may surprise you. Result: Fair Value of $74.20 (OVERVALUED) Have a read of the narrative in full and understand what's behind the forecasts. However, Triumph Financial’s freight concentration and ongoing tech spending could still pressure margins and earnings if freight volumes soften or monetisation of new platforms lags expectations. Find out about the key risks to this Triumph Financial narrative. With Triumph Financial drawing mixed reactions around growth, fees and valuation, this is a good moment to review the numbers, weigh the upside and downside, and see how the 2 key rewards and 1 important warning sign fits with your own view. If Triumph Financial’s story has you thinking about what else might fit your portfolio, this is a smart time to scan for other opportunities that match your goals. Target sturdier potential holdings by checking companies in the 81 resilient stocks with low risk scores that score well on resilience and risk controls. Hunt for strong businesses that the market may be overlooking by reviewing the screener containing 20 high quality undiscovered gems with solid fundamentals and room for attention. Strengthen your income stream by focusing on companies highlighted in the 9 dividend fortresses that pair higher yields with an emphasis on durability. This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned. Companies discussed in this article include TFIN. Have feedback on this article? Concerned about the content? Get in touch with us directly. Alternatively, email [email protected]

DALLAS, July 21, 2026--(BUSINESS WIRE)--Triumph Financial, Inc. (NYSE: TFIN) has released its second quarter 2026 financial results. The 2Q 2026 financial results and shareholder letter are available on the Company’s website at ir.triumph.io through the Financial Results link. Aaron P. Graft, Vice Chairman & CEO, and Brad Voss, CFO, will review the financial results in a conference call with investors and analysts beginning at 9:30 a.m. central time on Wednesday, July 22, 2026. The live video conference may be accessed directly through this link, https://triumph-financial-q2-2026-earnings.open-exchange.net or via the Company's IR website at ir.triumph.io through the Financial Results link. An archive of this video conference will subsequently be available at the same location, referenced above, on the Company’s website. About Triumph Triumph (NYSE: TFIN) is a transportation-focused financial and technology company that delivers payments, factoring, banking, and intelligence solutions designed to simplify and modernize freight transactions for brokers, carriers, shippers and factors. The company develops technology and financial products that improve operational efficiency, increase transparency and security in transactions, and expand access to working capital across the transportation industry. Headquartered in Dallas, Texas, Triumph’s portfolio includes Triumph, LoadPay and TBK Bank. Learn more at triumph.io. Forward-Looking Statements This press release contains forward-looking statements within the meaning of the federal securities laws. Investors are cautioned that such statements are predictions and that actual events or results may differ materially. Triumph Financial’s expected financial results or other plans are subject to a number of risks and uncertainties. For a discussion of such risks and uncertainties, which could cause actual results to differ from those contained in the forward-looking statements, see "Risk Factors" and the forward-looking statement disclosure contained in the Company’s Annual Report on Form 10-K, filed with the Securities and Exchange Commission on February 11, 2026. Forward-looking statements speak only as of the date made and Triumph Financial undertakes no duty to update the information. View source version on businesswire.com: https://www.businesswire.com/news/home/20260721327541/en/ Contacts Investor Relations: Luke WyseExecutive Vice President, Head of Investor [email protected] 214-365-6936 Media Contact: Amanda TavackoliSenior Vice President, Director of Corporate [email protected] 214-365-6930

Triumph Financial (TFIN) came out with quarterly earnings of $0.44 per share, in line with the Zacks Consensus Estimate . This compares to earnings of $0.15 per share a year ago. These figures are adjusted for non-recurring items. A quarter ago, it was expected that this financial holding company would post earnings of $0.15 per share when it actually produced earnings of $0.23, delivering a surprise of +53.33%. Over the last four quarters, the company has surpassed consensus EPS estimates three times. Triumph Financial, which belongs to the Zacks Financial - Miscellaneous Services industry, posted revenues of $120.24 million for the quarter ended June 2026, surpassing the Zacks Consensus Estimate by 3.44%. This compares to year-ago revenues of $108.06 million. The company has topped consensus revenue estimates two times over the last four quarters. The sustainability of the stock's immediate price movement based on the recently-released numbers and future earnings expectations will mostly depend on management's commentary on the earnings call. Triumph Financial shares have added about 24.3% since the beginning of the year versus the S&P 500's gain of 8.7%. While Triumph Financial has outperformed the market so far this year, the question that comes to investors' minds is: what's next for the stock? There are no easy answers to this key question, but one reliable measure that can help investors address this is the company's earnings outlook. Not only does this include current consensus earnings expectations for the coming quarter(s), but also how these expectations have changed lately. Empirical research shows a strong correlation between near-term stock movements and trends in earnings estimate revisions. Investors can track such revisions by themselves or rely on a tried-and-tested rating tool like the Zacks Rank, which has an impressive track record of harnessing the power of earnings estimate revisions. Ahead of this earnings release, the estimate revisions trend for Triumph Financial was favorable. While the magnitude and direction of estimate revisions could change following the company's just-released earnings report, the current status translates into a Zacks Rank #1 (Strong Buy) for the stock. So, the shares are expected to outperform the market in the near future. You can see the complete list of today's Zacks #1 Rank (Strong Buy) stocks here. It will be interesting to see how estimates for the coming quarters and the current fiscal year change in the days ahead. The current consensus EPS estimate is $0.61 on $121.72 million in revenues for the coming quarter and $1.89 on $469.32 million in revenues for the current fiscal year. Investors should be mindful of the fact that the outlook for the industry can have a material impact on the performance of the stock as well. In terms of the Zacks Industry Rank, Financial - Miscellaneous Services is currently in the bottom 25% of the 250 plus Zacks industries. Our research shows that the top 50% of the Zacks-ranked industries outperform the bottom 50% by a factor of more than 2 to 1. One other stock from the same industry, CleanSpark (CLSK), is yet to report results for the quarter ended June 2026. This company is expected to post quarterly loss of $0.29 per share in its upcoming report, which represents a year-over-year change of -137.2%. The consensus EPS estimate for the quarter has remained unchanged over the last 30 days. CleanSpark's revenues are expected to be $158.26 million, down 20.3% from the year-ago quarter. Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Triumph Financial, Inc. (TFIN) : Free Stock Analysis Report Cleanspark, Inc. (CLSK) : Free Stock Analysis Report This article originally published on Zacks Investment Research (zacks.com). Zacks Investment Research

The market expects Synchrony (SYF) to deliver a year-over-year decline in earnings on higher revenues when it reports results for the quarter ended June 2026. This widely-known consensus outlook is important in assessing the company's earnings picture, but a powerful factor that might influence its near-term stock price is how the actual results compare to these estimates. The stock might move higher if these key numbers top expectations in the upcoming earnings report, which is expected to be released on July 21. On the other hand, if they miss, the stock may move lower. While the sustainability of the immediate price change and future earnings expectations will mostly depend on management's discussion of business conditions on the earnings call, it's worth handicapping the probability of a positive EPS surprise. This consumer credit company is expected to post quarterly earnings of $1.99 per share in its upcoming report, which represents a year-over-year change of -20.4%. Revenues are expected to be $4.68 billion, up 3.5% from the year-ago quarter. The consensus EPS estimate for the quarter has been revised 0.33% higher over the last 30 days to the current level. This is essentially a reflection of how the covering analysts have collectively reassessed their initial estimates over this period. Investors should keep in mind that an aggregate change may not always reflect the direction of estimate revisions by each of the covering analysts. Price, Consensus and EPS Surprise Estimate revisions ahead of a company's earnings release offer clues to the business conditions for the period whose results are coming out. This insight is at the core of our proprietary surprise prediction model -- the Zacks Earnings ESP (Expected Surprise Prediction). The Zacks Earnings ESP compares the Most Accurate Estimate to the Zacks Consensus Estimate for the quarter; the Most Accurate Estimate is a more recent version of the Zacks Consensus EPS estimate. The idea here is that analysts revising their estimates right before an earnings release have the latest information, which could potentially be more accurate than what they and others contributing to the consensus had predicted earlier. Thus, a positive or negative Earnings ESP reading theoretically indicates the likely deviation of the actual earnings from the consensus estimate. However, the model's predictive power is significant for positive ESP readings only. A positive Earnings ESP is a strong predictor of an earnings beat, particularly when combined with a Zacks Rank #1 (Strong Buy), 2 (Buy) or 3 (Hold). Our research shows that stocks with this combination produce a positive surprise nearly 70% of the time, and a solid Zacks Rank actually increases the predictive power of Earnings ESP. Please note that a negative Earnings ESP reading is not indicative of an earnings miss. Our research shows that it is difficult to predict an earnings beat with any degree of confidence for stocks with negative Earnings ESP readings and/or Zacks Rank of 4 (Sell) or 5 (Strong Sell). For Synchrony, the Most Accurate Estimate is higher than the Zacks Consensus Estimate, suggesting that analysts have recently become bullish on the company's earnings prospects. This has resulted in an Earnings ESP of +4.13%. On the other hand, the stock currently carries a Zacks Rank of #3. So, this combination indicates that Synchrony will most likely beat the consensus EPS estimate. Analysts often consider to what extent a company has been able to match consensus estimates in the past while calculating their estimates for its future earnings. So, it's worth taking a look at the surprise history for gauging its influence on the upcoming number. For the last reported quarter, it was expected that Synchrony would post earnings of $2.27 per share when it actually produced earnings of $2.27, delivering no surprise. Over the last four quarters, the company has beaten consensus EPS estimates three times. An earnings beat or miss may not be the sole basis for a stock moving higher or lower. Many stocks end up losing ground despite an earnings beat due to other factors that disappoint investors. Similarly, unforeseen catalysts help a number of stocks gain despite an earnings miss. That said, betting on stocks that are expected to beat earnings expectations does increase the odds of success. This is why it's worth checking a company's Earnings ESP and Zacks Rank ahead of its quarterly release. Make sure to utilize our Earnings ESP Filter to uncover the best stocks to buy or sell before they've reported. Synchrony appears a compelling earnings-beat candidate. However, investors should pay attention to other factors too for betting on this stock or staying away from it ahead of its earnings release. Triumph Financial (TFIN), another stock in the Zacks Financial - Miscellaneous Services industry, is expected to report earnings per share of $0.44 for the quarter ended June 2026. This estimate points to a year-over-year change of +193.3%. Revenues for the quarter are expected to be $116.24 million, up 7.6% from the year-ago quarter. The consensus EPS estimate for Triumph Financial has been revised 17.3% higher over the last 30 days to the current level. However, an equal Most Accurate Estimate has resulted in an Earnings ESP of 0.00%. When combined with a Zacks Rank of #1 (Strong Buy), this Earnings ESP makes it difficult to conclusively predict that Triumph Financial will beat the consensus EPS estimate. The company beat consensus EPS estimates in each of the trailing four quarters. Stay on top of upcoming earnings announcements with the Zacks Earnings Calendar. Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Synchrony Financial (SYF) : Free Stock Analysis Report Triumph Financial, Inc. (TFIN) : Free Stock Analysis Report This article originally published on Zacks Investment Research (zacks.com). Zacks Investment Research

DALLAS, July 08, 2026--(BUSINESS WIRE)--Triumph Financial, Inc. (NYSE: TFIN) today announced that it expects to release its second quarter financial results and management commentary after the market closes on Tuesday, July 21, 2026. Upon filing, the financial results and commentary will be available on the Company’s IR website at ir.triumph.io. Aaron P. Graft, Vice Chairman and CEO, and Brad Voss, CFO, will review the financial results in a conference call with investors and analysts beginning at 9:30 a.m. central time on Wednesday, July 22, 2026. The live video conference may be accessed directly through this link, https://triumph-financial-q2-2026-earnings.open-exchange.net or via the Company's IR website at ir.triumph.io through the Financial Results link. An archive of this video conference will subsequently be available at the same location, referenced above, on the Company’s website. About Triumph Triumph (NYSE: TFIN) is a transportation-focused financial and technology company that delivers payments, factoring, banking, and intelligence solutions designed to simplify and modernize freight transactions for brokers, carriers, shippers and factors. The company develops technology and financial products that improve operational efficiency, increase transparency and security in transactions, and expand access to working capital across the transportation industry. Headquartered in Dallas, Texas, Triumph’s portfolio includes Triumph, LoadPay and TBK Bank. Learn more at triumph.io. Forward-Looking Statements This press release contains forward-looking statements within the meaning of the federal securities laws. Investors are cautioned that such statements are predictions and that actual events or results may differ materially. Triumph Financial’s expected financial results or other plans are subject to a number of risks and uncertainties. For a discussion of such risks and uncertainties, which could cause actual results to differ from those contained in the forward-looking statements, see "Risk Factors" and the forward-looking statement disclosure contained in the Company’s Annual Report on Form 10-K, filed with the Securities and Exchange Commission on February 11, 2026. Forward-looking statements speak only as of the date made and Triumph Financial undertakes no duty to update the information. View source version on businesswire.com: https://www.businesswire.com/news/home/20260708626618/en/ Contacts Investor Relations:Luke WyseExecutive Vice President, Head of Investor [email protected] Media Contact:Amanda TavackoliSenior Vice President, Director of Corporate [email protected]