Tri-County Financial Group, Inc. (TYFG)
Full history for every metric is available with a Kvantra account
No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 75 | 72 | 60 | 58 | 59 | 67 | 72 | - |
| Operating profit | $m | 18 | 22 | ||||||
| Net profit | $m | 20 | 13 | 12 | 10 | 10 | 14 | 16 | - |
| EPS reported | $ | 5.66 | 6.72 | ||||||
| Operating cashflow per share | $ | 4.46 | 5.68 | ||||||
| Capex per share | $ | 0.20 | 0.16 | ||||||
| FCF per share | $ | 4.26 | 5.52 | ||||||
| Free cash flow | $m | 10 | 24 | ||||||
| Net debt | $m | -90 | 19 | ||||||
| Book value equity | $m | 158 | 165 | ||||||
| Book value per share | $ | 65.32 | 69.27 | ||||||
| Number of shares | m | 2.42 | 2.38 | ||||||
| DPS (TTM paid) | $ | 1.00 | 1.34 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 8.66 | 12.26 | ||||||
| P/B LTM | x | 0.74 | 0.71 | ||||||
| P/S LTM | x | 1.74 | 1.63 | ||||||
| P/FCF LTM | x | 11.51 | 4.91 | ||||||
| EV/EBITDA LTM | x | 9.82 | 8.13 | ||||||
| EV/Sales LTM | x | 1.83 | 2.10 | ||||||
| Earnings Yield LTM | % | +11.55% | +8.16% | ||||||
| FCF Yield | % | +8.69% | +20.37% | ||||||
| Quality | |||||||||
| ROE | % | +8.66% | +10.01% | ||||||
| ROIC | % | +4.68% | +1.14% | ||||||
| Operating margin | % | +18.63% | +26.23% | ||||||
| Gross margin | % | +67.17% | +74.94% | ||||||
| FCF/Sales | % | +10.23% | +14.02% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +32.24% | +57.01% | ||||||
| Sales Growth YoY | % | +15.01% | +22.23% | ||||||
| Net Income Growth YoY | % | +31.01% | +55.25% | ||||||
| FCF Growth | % | -8.56% | +114.41% | ||||||
| Operating Profit Growth | % | +33.41% | +58.81% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +2.04% | +1.60% | ||||||
| Dividend Growth | % | +17.65% | +57.65% | ||||||
| Payout Ratio | % | +17.46% | +15.31% | ||||||
| FCF/Debt | x | 0.09 | 0.31 | ||||||
| Net Debt/EBITDA | x | 3.50 | 1.78 | ||||||
| EBIT/Net interest | x | 0.58 | 0.78 | ||||||
| Net debt/market cap | % | +94.86% | +55.65% | ||||||
| Net debt/Equity | x | -0.57 | 0.11 | ||||||
| Gross debt/equity | x | 0.70 | 0.47 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Tri-County Financial Group, Inc. operates as the holding company for First State Bank, delivering a comprehensive suite of banking and financial services to individual consumers and corporate clients throughout the United States. The company's deposit offerings include demand deposits, certificates of deposit, and various checking and savings accounts tailored for both personal and business use. A diverse range of lending products is available, encompassing home mortgages, home equity lines of credit, auto loans, personal loans, commercial real estate financing, business term loans, agricultural loans, and farm machinery loans. Additionally, it provides installment loans and secondary market mortgage services. Beyond traditional banking, Tri-County extends personal and business credit cards, alongside specialized business solutions such as online and mobile treasury management, ACH and check positive pay, merchant card services, remote deposit capture, and its proprietary FSBpaynow system. The group further diversifies its portfolio with mortgage banking, insurance, and investment services. Customers are served through its primary facility in Mendota, Illinois, and an extensive network of branch offices located across Illinois, specifically in Peru, LaMoille, McNabb, Streator, Ottawa, Earlville, Bloomington, Oakbrook Terrace, St. Charles, Geneva, Batavia, North Aurora, Shabbona, Waterman, Sycamore, Rochelle, Princeton, and West Brooklyn. Its mortgage banking operations also maintain offices in both Illinois and Wisconsin. Established in 1986, Tri-County Financial Group, Inc. is headquartered in Mendota, Illinois.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Tri-County Financial Group, Inc. (TYFG)
No price history available.
Not enough data to calculate KvantraRank
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Tri-County Financial Group, Inc. operates as the holding company for First State Bank, delivering a comprehensive suite of banking and financial services to individual consumers and corporate clients throughout the United States. The company's deposit offerings include demand deposits, certificates of deposit, and various checking and savings accounts tailored for both personal and business use. A diverse range of lending products is available, encompassing home mortgages, home equity lines of credit, auto loans, personal loans, commercial real estate financing, business term loans, agricultural loans, and farm machinery loans. Additionally, it provides installment loans and secondary market mortgage services. Beyond traditional banking, Tri-County extends personal and business credit cards, alongside specialized business solutions such as online and mobile treasury management, ACH and check positive pay, merchant card services, remote deposit capture, and its proprietary FSBpaynow system. The group further diversifies its portfolio with mortgage banking, insurance, and investment services. Customers are served through its primary facility in Mendota, Illinois, and an extensive network of branch offices located across Illinois, specifically in Peru, LaMoille, McNabb, Streator, Ottawa, Earlville, Bloomington, Oakbrook Terrace, St. Charles, Geneva, Batavia, North Aurora, Shabbona, Waterman, Sycamore, Rochelle, Princeton, and West Brooklyn. Its mortgage banking operations also maintain offices in both Illinois and Wisconsin. Established in 1986, Tri-County Financial Group, Inc. is headquartered in Mendota, Illinois.
Unlock all fundamental data
Sign up for FreeUnlock all fundamental data
Sign up for Free