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Tri-County Financial Group
(OTC:TYFG)
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Rating:67Neutral
Price Target:
$88.00
▲(28.41% Upside)
Action:Reiterated
Date:08/12/26
The score is driven primarily by improving financial performance (rebounding revenue/profits and reduced leverage), supported by strong technical trend strength. These positives are tempered by very overbought momentum readings, only moderate ROE and cash-flow stability, and typical merger execution/regulatory risks; valuation appears reasonable but the dividend yield is modest.
Positive Factors
Improving leverage (lower debt-to-equity)
A sustained decline in debt-to-equity to ~0.70 materially reduces balance-sheet risk and interest burden, increasing resilience to rate shocks and credit stress. This improvement enhances financial flexibility for organic growth, capital allocation and regulatory capital management over the medium term.
Negative Factors
Moderate return on equity
An ROE near 8.7% limits the firm's ability to deliver high shareholder returns and suggests moderate capital efficiency versus peers. Persistently moderate ROE constrains internal capital generation for growth and makes the franchise more sensitive to capital costs when expanding lending or investing.
Read all positive and negative factors
Positive Factors
Negative Factors
Improving leverage (lower debt-to-equity)
A sustained decline in debt-to-equity to ~0.70 materially reduces balance-sheet risk and interest burden, increasing resilience to rate shocks and credit stress. This improvement enhances financial flexibility for organic growth, capital allocation and regulatory capital management over the medium term.
Read all positive factors
Tri-County Financial Group (TYFG) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$190.01M
Dividend Yield1.33%
Average Volume (3M)741.00
Price to Earnings (P/E)11.6
Beta (1Y)0.19
Revenue Growth6.40%
EPS Growth41.65%
CountryUS
Employees281
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)6.80
Shares Outstanding2,390,068
10 Day Avg. Volume1,730
30 Day Avg. Volume741
Financial Highlights & Ratios
PEG Ratio0.26
Price to Book (P/B)0.74
Price to Sales (P/S)1.18
P/FCF Ratio11.51
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Tri-County Financial Group Business Overview & Revenue Model
Company Description
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 dep...
Tri-County Financial Group Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
66
Positive
Cash Flow
58
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 102.08M | 99.26M | 93.53M | 84.84M | 67.78M | 78.86M |
| Gross Profit | 70.51M | 66.67M | 59.82M | 59.12M | 62.53M | 70.60M |
| EBITDA | 22.34M | 18.49M | 13.86M | 15.06M | 18.16M | 19.68M |
| Net Income | 16.19M | 13.66M | 10.43M | 10.04M | 12.24M | 13.22M |
Balance Sheet | ||||||
| Total Assets | 1.56B | 1.60B | 1.54B | 1.55B | 1.54B | 1.40B |
| Cash, Cash Equivalents and Short-Term Investments | 58.35M | 200.40M | 186.15M | 201.75M | 256.59M | 309.52M |
| Total Debt | 77.19M | 110.88M | 101.27M | 148.30M | 253.16M | 41.16M |
| Total Liabilities | 1.40B | 1.44B | 1.40B | 1.42B | 1.41B | 1.27B |
| Stockholders Equity | 165.00M | 157.77M | 143.19M | 136.14M | 133.08M | 136.64M |
Cash Flow | ||||||
| Free Cash Flow | 23.81M | 10.16M | 11.11M | 11.69M | 22.79M | 56.74M |
| Operating Cash Flow | 23.98M | 10.63M | 12.32M | 12.07M | 25.07M | 57.55M |
| Investing Cash Flow | 9.89M | -43.67M | 29.58M | -18.40M | -314.83M | -49.19M |
| Financing Cash Flow | -20.40M | 37.70M | -24.94M | -2.46M | 140.66M | 67.56M |
Tri-County Financial Group Technical Analysis
Positive
68.53
Price Trends
69.45
Positive
63.11
Positive
56.47
Positive
Market Momentum
3.48
Positive
65.48
Neutral
14.09
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For TYFG, the sentiment is Positive. The current price of 68.53 is below the 20-day moving average (MA) of 76.12, below the 50-day MA of 69.45, and above the 200-day MA of 56.47, indicating a bullish trend. The MACD of 3.48 indicates Positive momentum. The RSI at 65.48 is Neutral, neither overbought nor oversold. The STOCH value of 14.09 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for TYFG.
Tri-County Financial Group Risk Analysis
Tri-County Financial Group disclosed 40 risk factors in its most recent earnings report. Tri-County Financial Group reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Tri-County Financial Group Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
72 Outperform | $120.98M | 15.19 | 7.31% | 1.78% | -0.53% | 27.52% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $190.01M | 11.63 | 10.14% | 1.54% | 6.40% | 41.65% | |
63 Neutral | $144.15M | 43.25 | 1.80% | 1.10% | 6.46% | 1.90% | |
60 Neutral | $117.51M | 9.00 | 14.72% | 5.81% | 10.15% | 28.62% | |
58 Neutral | $118.81M | 43.93 | 1.47% | ― | 21.45% | ― | |
51 Neutral | $103.16M | -27.01 | -2.50% | 1.52% | -11.21% | -176.24% |
* Financial Sector Average
TYFG
Tri-County Financial Group
79.50
33.20
71.72%
RVSB
Riverview Bancorp
5.17
0.14
2.83%
UNB
Union Bankshares
23.50
-1.31
-5.29%
SFBC
Sound Financial Bancorp
47.69
0.58
1.23%
BSBK
Bogota Financial
9.23
<0.01
0.05%
SRBK
SR Bancorp, Inc.
19.39
4.43
29.61%
Tri-County Financial Group Corporate Events
Business Operations and StrategyM&A Transactions
Tri-County Financial to Merge with HBT Financial
Positive
Aug 10, 2026
On August 10, 2026, Tri-County Financial Group agreed to merge with HBT Financial in a cash-and-stock deal valued at about $204.6 million, based on HBT’s August 7, 2026 share price, with Tri-County investors able to elect stock, cash, or a m...
Executive/Board Changes
Tri-County Financial Announces Routine Board Director Resignation
Neutral
Jun 12, 2026
On June 9, 2026, Tri-County Financial Group, Inc. director Matthew Faber notified the company of his intention to resign from its board, with the resignation becoming effective June 11, 2026. The company stated that Faber’s departure did not...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.