Tri-County Financial Group (TYFG) AI Stock Analysis

• Market Cap: $112.52M
• Dividend Yield: 2.12%
• Average Volume (3M): 741.00
• Price to Earnings (P/E): 9.9
• Beta (1Y): 0.15
• Revenue Growth: 5.85%
• EPS Growth: 8.17%
• Country: US
• Employees: N/A
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 1.47
• Shares Outstanding: 2,377,518
• 10 Day Avg. Volume: 1,730
• 30 Day Avg. Volume: 741
• PEG Ratio: 1.87
• Price to Book (P/B): 0.77
• Price to Sales (P/S): 1.17
• P/FCF Ratio: 9.88
• Enterprise Value/Market Cap: 1.14
• Enterprise Value/Revenue: 1.49
• Enterprise Value/Gross Profit: 2.37
• Enterprise Value/Ebitda: 12.24
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 73 Outperform
• Price Target: ―

Tri-County Financial Group's strengths in cash flow management and positive technical trends are offset by challenges in revenue growth and increased leverage. While the valuation appears reasonable, the lack of recent earnings call insights adds uncertainty. Overall, the stock shows moderate potential with some risk factors.

Tri-County Financial Group Business Overview & Revenue Model

Company Description

Tri-County Financial Group, Inc. operates as a bank holding company for First State Bank that provides various banking products and services to individuals and businesses in the United States. The company accepts demand deposits and certificates of deposit; and offers personal and business checking and savings accounts. It also provides home mortgage, home equity lines of credit, auto, personal, commercial real estate, business term, agriculture, and farm machinery loans, as well as installment loans and secondary market mortgage services. In addition, the company offers personal and business credit cards; business services, including online and mobile treasury management, ACH and check positive pay, merchant cards, remote deposit capture, and FSBpaynow; and various mortgage banking, insurance, and other investment services. It serves customers through its facility in Mendota; branches in Peru, LaMoille, McNabb, Streator, Ottawa, Earlville, Bloomington, Oakbrook Terrace, St. Charles, Geneva, Batavia, North Aurora, Shabbona, Waterman, Sycamore, Rochelle, Princeton, and West Brooklyn, Illinois; and mortgage banking offices in Illinois and Wisconsin. Tri-County Financial Group, Inc. was incorporated in 1986 and is based in Mendota, Illinois.

How the Company Makes Money

Tri-County Financial Group makes money through a variety of revenue streams. Its primary source of income is from interest earned on loans and credit products offered to consumers and businesses. Additionally, TYFG generates revenue from fees associated with account maintenance, transaction processing, and advisory services. The company also earns income through commissions and premiums from its insurance products. Investment gains and asset management fees from its wealth management division contribute to its earnings. Strategic partnerships with other financial institutions and service providers enhance TYFG's product offerings and expand its customer base, further driving revenue growth.

Tri-County Financial Group Financial Statement Overview

Summary

Tri-County Financial Group shows stable financial health with strong cash flow management and equity ratios. The company faces challenges with declining revenue growth and increased leverage, impacting long-term sustainability.

Income Statement

Tri-County Financial Group has experienced fluctuations in its revenue, with a decline from 2020 to 2023. The gross profit margin remains strong, but the net profit margin has decreased over the years, indicating pressure on profitability. The EBIT and EBITDA margins also reflect this trend, although they are still positive. The revenue growth is negative, which is concerning for future earnings potential.

Balance Sheet

The company's debt-to-equity ratio has increased, reflecting a higher leverage, which poses a potential risk in volatile markets. However, the equity ratio remains stable, showing a good proportion of equity financing. The return on equity has decreased over the years, indicating reduced efficiency in generating profits from shareholders' equity.

Cash Flow

Tri-County Financial Group has maintained a solid operating cash flow compared to net income, indicating effective cash generation from operations. Free cash flow has been positive, although it showed a decline in growth recently, which might impact future investment capacity. The cash flow management appears robust overall.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	85.81M	93.53M	84.84M	67.78M	78.86M	69.93M
Gross Profit	53.92M	59.82M	59.12M	62.53M	70.60M	69.93M
EBITDA	10.44M	13.86M	15.06M	18.16M	19.68M	29.15M
Net Income	10.31M	10.43M	10.04M	12.24M	13.22M	20.14M
Balance Sheet
Total Assets	1.54B	1.54B	1.55B	1.54B	1.40B	1.33B
Cash, Cash Equivalents and Short-Term Investments	0.00	0.00	201.75M	256.59M	309.52M	183.48M
Total Debt	65.02M	101.27M	125.81M	229.78M	14.76M	19.70M
Total Liabilities	1.39B	1.40B	1.42B	1.41B	1.27B	1.20B
Stockholders Equity	146.05M	143.19M	136.14M	133.08M	136.64M	127.00M
Cash Flow
Free Cash Flow	-4.65M	11.11M	11.69M	22.79M	56.74M	-22.70M
Operating Cash Flow	-4.46M	12.32M	12.07M	25.07M	57.55M	-18.47M
Investing Cash Flow	11.65M	29.58M	-18.40M	-314.83M	-49.19M	5.82M
Financing Cash Flow	-6.63M	-24.94M	-2.46M	140.66M	67.56M	105.97M

Tri-County Financial Group Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 47.32
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Negative

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 47.32 is below the 20-day moving average (MA) of 47.63, below the 50-day MA of 47.55, and above the 200-day MA of 44.57, indicating a neutral trend. The MACD of -0.23 indicates Positive momentum. The RSI at 49.32 is Neutral, neither overbought nor oversold. The STOCH value of 80.83 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for TYFG.

Tri-County Financial Group Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
TYFG	73 Outperform	$112.52M	9.87	7.99%	2.12%	5.85%	8.17%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
RVSB	64 Neutral	$110.61M	21.52	3.25%	1.52%	10.30%	170.86%
SFBC	63 Neutral	$116.17M	18.63	6.07%	1.68%	7.86%	59.25%
UNB	58 Neutral	$112.69M	11.84	―	5.82%	14.58%	7.73%
SRBK	56 Neutral	$116.02M	23.73	1.91%	1.01%	26.46%	―
BSBK	41 Neutral	$112.65M	―	-0.25%	―	-12.23%	83.58%