Tri-County Financial Group Inc (TYFG) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of Tri-County Financial Group Inc $81.22, price $79.00, upside +2.8%, quality 57 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? Yes
- Good quality? Yes
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Tri-County Financial Group Inc
TYFG · USNeutralThe stock looks roughly fairly valued with average quality.
What runs behind every stock
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.
How to read this chart
60‑month range $17.70 – $82.50 · fair‑value band $60.92 – $101.53 · the $79.00 price screens below the $81.22 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.
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Company profile
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.
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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.
Stock analysis
Tri-County Financial Group Inc (TYFG) currently trades at $79.00, while our model-based Fair Value estimate is $81.22, implying the stock looks roughly 2.7% fairly valued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $74.68 per share, and 1 of the 4 models we run sit above the $79.00 price.
Bear case: the Asset-Based group reads lowest at $44.44, and 3 of the 4 models stay below the price. Evidence for this calculation is medium.
Scenario range: $60.92 (bear) to $101.53 (bull), the price of $79.00 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 57/100 (solid quality), in the Financial Services sector.
Weak Growth: Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Tri-County Financial Group Inc reported revenue of $67.3M in FY2025 versus $72.4M in FY2021, a compound −1.8%/yr. Reported net income was $13.7M in FY2025, compounding +0.8%/yr from FY2021.
Key figures
Market cap $188M · P/E ratio 12.2 · P/S ratio 2.48 · EPS (TTM) $6.47 · Dividend yield 1.3% · Net margin 20.3% · Return on equity 10.1% · Return on assets (EBIT) 0.1%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 42 out of 100 (low confidence).
What moves the price
The share trades about 4% below its 52-week high and 74% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −38% fair-value upside, at 3%, TYFG screens cheaper than that median.
Fair Value models
All 4 models by family
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Set up alert →Quality Score breakdown
Of which business quality 49 · Market factors (momentum, volatility) 94
Revenue & earnings trend
Growth Forecast
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Compare Tri-County Financial Group Inc with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 1074 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| DBS Group D05 | 77.69 SGD | 40.48 SGD | −48% |
| China Merchants Bank Co 3968 | HK$51.25 | HK$62.30 | +22% |
| Intesa Sanpaolo S.p.A ISP | €6.73 | €4.04 | −40% |
| HDFC Bank Limited HDFCBANK | ₹737.25 | ₹406.85 | −45% |
| BNP Paribas SA BNP | €101.30 | €105.99 | +5% |
| UniCredit S.p.A UCG | €83.28 | €77.62 | −7% |
| Mizuho Financial Group MFG | $10.87 | $6.75 | −38% |
| ICICI Bank Limited ICICIBANK | ₹1,340 | ₹616.16 | −54% |
| The PNC Financial Services Group PNC | $227.96 | $159.52 | −30% |
| Oversea-Chinese Banking Corporation O39 | 32.14 SGD | 19.80 SGD | −38% |
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Key figures of Tri-County Financial Group Inc
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