Tri County Financial Group (TYFG) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Tri County Financial Group

OTC Markets OTCQX•Financial Services•Banks - Regional

$81.00+0.50(0.01%)Market closed

Market Cap

$192.25M

P/E

10.3x

P/S

1.5x

P/B

1.2x

Tri-County Financial Group, Inc. operates as a bank holding company for First State Bank, providing various banking and mortgage banking services, and insurance services to individuals and businesses in the United States. It operates through two segments: Commercial Banking and Mortgage Banking. The Commercial Banking segment provides loan and deposit products to individual consumers and businesses in all markets through retail lending, deposit services, online banking, mobile banking, private banking, commercial lending, commercial real estate lending, agricultural lending, and other banking services. The Mortgage Banking segment offers residential mortgage banking products. It also provides commercial loans, such as commercial and industrial loans; real estate loans, including commercial real estate, agricultural real estate, and one-to-four family residential mortgage loans; and agricultural loans, comprising agricultural operating loans, farm products, livestock and machinery purchases and other agricultural improvements. In addition, the company offers demand, savings, money market, and time deposits, as well as individual retirement accounts. Further, the company provides insurance services, including home, auto, motorcycle, health, and life insurance; and the agency also serves the agricultural community with farm policies, crop hail and multi-peril insurance. Tri-County Financial Group, Inc. was incorporated in 1986 and is headquartered in Mendota, Illinois.

How this company scores

WeakMetricSide Score: 75/100

Grade capped at D — Interest coverage below 1× (1.0x) — earnings cannot cover interest. Strongest: Profitability (22/25); weakest: Cash & Earnings Quality (16/25).

Profitability22/25

Growth19/25

Balance Sheet & Red Flags18/25

Cash & Earnings Quality16/25

Strengths

Strong marginsRising earningsLow leverageCash-backed earnings

Grade capped at D

Interest coverage below 1× (1.0x) — earnings cannot cover interest.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 10.3x5y range 6.8x – 10.3x

P/S · 1.5x5y range 1.0x – 1.5x

P/B · 1.2x5y range 0.7x – 1.2x

Currently above its 5-quarter median.

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

Some Concerns

Cash Burn

Watch

FCF turned negative in 2 of the last 5 quarters — occasional cash consumption.

Price & Volume

Market Cap $192.25M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $125.21M
Q. Revenue: $25.63M
TTM EBITDA: $29.51M
TTM Op. Income: $26.98M
Q. Op. Income: $6.72M
TTM Net Income: $18.75M
Q. Net Income: $4.12M
EPS: $1.73
Shares Out.: $2.38M

$125.21M in TTM revenue grew from zero YoY, reaching $25.63M last quarter. TTM EBITDA of $29.51M and TTM operating income of $26.98M show growth is flowing through to the bottom line. TTM net income of $18.75M means revenue is converting into profit. Across the last 5 quarters, TTM revenue has risen for 2 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 72.4%
EBITDA Margin: 27.5%
Op. Margin: 26.2%
Net Margin: 16.1%

Op. margin of 26.2% is up 7.3% YoY — cost efficiency is improving. Net margin at 16.1% and gross margin of 72.4% show how much of each revenue dollar survives to profit. Across the last 5 quarters, operating margin has risen for 2 consecutive quarters — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 10.3x
P/S Ratio: 1.5x
P/B Ratio: 1.2x

At 10.3x P/E, the stock trades below typical market levels. P/S of 1.5x and P/B of 1.2x provide additional context. P/E sits below typical market levels while revenue is growing. Over the past year, P/E is up 0% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $1.56B
Cash: $60.90M
Long-Term Debt: $45.92M
Book Value: $165.00M
D/E Ratio: 0.3
Debt/EBITDA: 6.5

With $1.56B in assets and $45.92M in long-term debt, D/E is 0.3and book value is $165.00M — a conservative capital structure with a cushion to weather downturns. Across the last 5 quarters, debt/equity has fallen for 3 consecutive quarters — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $6.58M
TTM Free Cash Flow: $23.29M
FCF Margin: 18.6%
FCF / Net Income: 1.2

TTM FCF of $23.29M on $6.58M in operating cash flow. The FCF / Net Income ratio of 1.2x means free cash flow covers net income — earnings are backed by cash. Across the last 5 quarters, free cash flow has risen for 2 consecutive quarters — an improving trend.