TFIN Triumph Financial, Inc.

Did the company actually spend money buying back stock in 3+ of the last 4 quarters?

Bought back stock in 3/4 quarters. Q2 2026: $2M, Q1 2026: $0M, Q3 2025: $0M, Q2 2025: $3M

Is the most recent quarter's buyback spend more than 15% above the trailing average?

Latest quarter $2M vs trailing avg $1M (+89%)

What percentage of free cash flow is going to buybacks? Bull: 30%+. Bear: negative FCF or no buybacks.

Buyback $5M / FCF $16M = 33% of FCF

How fast are they shrinking the float? Bull: 2%+ annually. Bear: under 0.5%.

Repurchased 247,312 shares = 4.2% of 23,765,385 outstanding (annualized)

Are officers and directors buying stock with their own money on the open market?

2 open-market purchases by 2 insiders

• Ritterbusch Todd (President - TBK Bank, SSB) bought 7,000 shares at $67.01 on 2026-05-08
• Graft Aaron P (President & CEO) bought 8,949 shares at $55.87 on 2026-02-27

Are both company buybacks and insider buying independently active? Bull when the company is buying back stock in 2+ quarters and insiders have made 2+ open-market purchases.

Company buybacks in 3 quarters and 2 insider purchases by 2 insiders (no calendar overlap, but both independently active)

Over the last 90 days, are insiders net buyers or net sellers on the open market?

Insiders bought $0M, sold $0M in the last 90 days (net selling)

Active buyback + insiders net selling 3x+ more than buying. Company cash may be supporting price while insiders exit.

No buyback-insider divergence detected