Tri-County Financial Group(TYFG)
$84.50+0.67 (+0.80%)
TYFG
Tri-County Financial Group financials statements
$84.50
At close:+0.67 (+0.80%)
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Tri-County Financial Group (TYFG) Ratios
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Tri-County Financial Group Ratios
TYFG's free cash flow for Q2 2026 was $6.68M. For the 2026 fiscal year, TYFG's free cash flow was increased by $93.00K and operating cash flow was $6.58M. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.16 | 0.20 | 0.16 | 0.22 | 0.25 |
| Quick Ratio | 0.16 | 0.20 | 0.16 | 0.22 | 0.25 |
| Cash Ratio | 0.03 | 0.17 | 0.02 | 0.03 | 0.14 |
| Solvency Ratio | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Operating Cash Flow Ratio | 0.01 | 0.05 | 0.01 | 0.02 | 0.05 |
| Short-Term Operating Cash Flow Coverage | 0.46 | 0.14 | 0.54 | 1.07 | 2.18 |
| Net Current Asset Value | $ -1.23B | $ -1.34B | $ -1.21B | $ -1.15B | $ -952.81M |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.07 | 0.07 | 0.10 | 0.16 | 0.03 |
| Debt-to-Equity Ratio | 0.70 | 0.71 | 1.09 | 1.90 | 0.30 |
| Debt-to-Capital Ratio | 0.41 | 0.41 | 0.52 | 0.66 | 0.23 |
| Long-Term Debt-to-Capital Ratio | 0.36 | 0.06 | 0.48 | 0.63 | 0.10 |
| Financial Leverage Ratio | 10.11 | 10.75 | 11.41 | 11.59 | 10.27 |
| Debt Service Coverage Ratio | 0.25 | 0.08 | 0.24 | 0.44 | 0.46 |
| Interest Coverage Ratio | 0.58 | 0.40 | 0.50 | 2.01 | 2.77 |
| Debt to Market Cap | 0.95 | 0.92 | 1.37 | 2.09 | 0.34 |
| Interest Debt Per Share | 59.92 | 56.48 | 71.26 | 105.37 | 19.23 |
| Net Debt to EBITDA | 3.50 | 4.06 | 8.06 | 12.01 | -6.69 |
| Profitability Margins | |||||
| Gross Profit Margin | 67.17% | 63.96% | 69.68% | 92.25% | 89.53% |
| EBIT Margin | 18.63% | 14.82% | 15.77% | 24.27% | 22.72% |
| EBITDA Margin | 18.63% | 14.82% | 17.75% | 26.80% | 24.96% |
| Operating Profit Margin | 18.63% | 14.82% | 15.77% | 24.27% | 22.72% |
| Pretax Profit Margin | 18.63% | 14.82% | 15.77% | 24.27% | 22.72% |
| Net Profit Margin | 13.76% | 11.15% | 11.84% | 18.05% | 16.77% |
| Continuous Operations Profit Margin | 13.76% | 11.15% | 11.84% | 18.05% | 16.77% |
| Net Income Per EBT | 73.90% | 75.26% | 75.09% | 74.39% | 73.79% |
| EBT Per EBIT | 100.00% | 99.99% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 0.86% | 0.68% | 0.65% | 0.79% | 0.94% |
| Return on Equity (ROE) | 8.66% | 7.28% | 7.38% | 9.19% | 9.68% |
| Return on Capital Employed (ROCE) | 6.88% | 1.09% | 5.09% | 4.52% | 11.78% |
| Return on Invested Capital (ROIC) | 4.68% | 0.74% | 3.52% | 3.16% | 7.41% |
| Return on Tangible Assets | 0.86% | 0.68% | 0.65% | 0.80% | 0.95% |
| Earnings Yield | 11.69% | 9.50% | 9.30% | 10.12% | 10.99% |
| Efficiency Ratios | |||||
| Receivables Turnover | 12.07 | 12.51 | 11.20 | 11.39 | 16.87 |
| Payables Turnover | 446.45 | 1.55 | 1.23 | 0.31 | 0.48 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 4.08 | 3.57 | 3.29 | 2.47 | 2.92 |
| Asset Turnover | 0.06 | 0.06 | 0.05 | 0.04 | 0.06 |
| Working Capital Turnover Ratio | -0.15 | -0.14 | -0.08 | -0.07 | -0.08 |
| Cash Conversion Cycle | 29.42 | -206.41 | -265.24 | -1152.47 | -746.77 |
| Days of Sales Outstanding | 30.23 | 29.17 | 32.58 | 32.04 | 21.63 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 0.82 | 235.58 | 297.82 | 1184.51 | 768.40 |
| Operating Cycle | 30.23 | 29.17 | 32.58 | 32.04 | 21.63 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 4.46 | 5.11 | 4.92 | 10.11 | 23.24 |
| Free Cash Flow Per Share | 4.26 | 4.60 | 4.76 | 9.19 | 22.91 |
| Dividend Paid and CapEx Coverage Ratio | 3.71 | 3.64 | 4.64 | 5.55 | 21.61 |
| Capital Expenditure Coverage Ratio | 22.38 | 10.17 | 32.01 | 10.96 | 71.49 |
| Operating Cash Flow Coverage Ratio | 0.10 | 0.12 | 0.08 | 0.10 | 1.40 |
| Operating Cash Flow to Sales Ratio | 0.11 | 0.13 | 0.14 | 0.37 | 0.73 |
| Free Cash Flow Yield | 8.69% | 10.12% | 10.83% | 18.85% | 47.15% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 8.56 | 10.53 | 10.75 | 9.88 | 9.10 |
| Price-to-Sales (P/S) Ratio | 1.18 | 1.17 | 1.27 | 1.78 | 1.53 |
| Price-to-Book (P/B) Ratio | 0.74 | 0.77 | 0.79 | 0.91 | 0.88 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 11.51 | 9.88 | 9.24 | 5.31 | 2.12 |
| Price-to-Operating Cash Flow Ratio | 11.00 | 8.91 | 8.95 | 4.82 | 2.09 |
| Price-to-Earnings Growth (PEG) Ratio | 0.26 | 1.87 | -0.63 | -1.29 | -0.26 |
| Enterprise Value Multiple | 9.82 | 11.98 | 15.23 | 18.67 | -0.57 |
| Enterprise Value | 181.58M | 166.07M | 229.37M | 339.07M | -11.30M |
| EV to EBITDA | 9.82 | 11.98 | 15.23 | 18.67 | -0.57 |
| EV to Sales | 1.83 | 1.78 | 2.70 | 5.00 | -0.14 |
| EV to Free Cash Flow | 17.88 | 14.95 | 19.62 | 14.88 | -0.20 |
| EV to Operating Cash Flow | 17.08 | 13.48 | 19.01 | 13.52 | -0.20 |
| Tangible Book Value Per Share | 62.55 | 55.75 | 51.92 | 50.13 | 51.61 |
| Shareholders’ Equity Per Share | 66.19 | 59.35 | 55.48 | 53.66 | 55.17 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.26 | 0.25 | 0.25 | 0.26 | 0.26 |
| Revenue Per Share | 41.64 | 38.77 | 34.57 | 27.33 | 31.84 |
| Net Income Per Share | 5.73 | 4.32 | 4.09 | 4.93 | 5.34 |
| Tax Burden | 0.74 | 0.75 | 0.75 | 0.74 | 0.74 |
| Interest Burden | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.00 | 0.00 | 0.37 | 0.47 | 0.35 |
| Stock-Based Compensation to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Income Quality | 0.78 | 1.18 | 1.20 | 2.05 | 4.35 |
Currency in USD
