TYFG
Tri-County Financial Group, Inc.
Price Chart
Latest Quote
$61.00
+0.00 (+0.00%)
Current Price
| Previous Close | $61.00 |
| Open | $61.00 |
| Day High | $61.00 |
| Day Low | $61.00 |
| Volume | 300 |
Stock Information
| Quarterly Dividend / Yield | $1.12 / 1.84% |
| Shares Outstanding | 2.38M |
| Quarterly Dividend Yield | 1.84% |
| Quarterly Dividend | $1.12 |
| Total Debt | $87.63M |
| Cash Equivalents | $50.02M |
| Revenue | $70.04M |
| Net Income | $15.58M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $145.09M |
| P/E Ratio | 9.43 |
| EPS (TTM) | $6.47 |
| Exchange | OQX |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $182.66M |
| Sales | $70.04M |
| Income | $15.58M |
| Book/sh | $66.43 |
| Cash/sh | $21.03 |
| Employees | 287 |
Financial Ratios
| EPS Growth TTM | 75.10% |
Returns & Margins
| ROA | 1.00% |
| ROE | 10.13% |
| Operating Margin | 34.70% |
| Profit Margin | 22.25% |
Ownership
| Insider Ownership | 10.64% |
| Institutional Ownership | 26.28% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| P/S | 2.07 |
| P/B | 0.92 |
Analyst Data
| Recommendation | none |
Technical Indicators
| SMA20 | $57.68 |
| SMA50 | $55.10 |
| SMA200 | $50.17 |
| RSI | 80.04 |
| ATR | 0.6993 |
| Shares Float | 1.55M |
| Volatility | 0.14 |
Performance History
| Week | +1.50% |
| Month | +7.02% |
| Quarter | +17.95% |
| 6 Months | +27.63% |
| YTD | +24.91% |
| Year | +44.59% |
| 3 Years | +52.82% |
| 5 Years | +53.05% |
| 10 Years | +70.78% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-03 | $61.00 | 0 |
| 2026-06-02 | $61.00 | 500 |
| 2026-06-01 | $60.00 | 0 |
| 2026-05-29 | $60.00 | 2,200 |
| 2026-05-28 | $60.30 | 600 |
| 2026-05-27 | $60.10 | 0 |
| 2026-05-26 | $60.10 | 600 |
| 2026-05-22 | $61.19 | 100 |
| 2026-05-21 | $60.00 | 400 |
| 2026-05-20 | $56.00 | 200 |
| 2026-05-19 | $55.50 | 500 |
| 2026-05-18 | $56.00 | 200 |
| 2026-05-15 | $55.31 | 0 |
| 2026-05-14 | $55.31 | 0 |
| 2026-05-13 | $55.31 | 0 |
| 2026-05-12 | $55.31 | 0 |
| 2026-05-11 | $55.31 | 0 |
| 2026-05-08 | $55.31 | 0 |
| 2026-05-07 | $55.31 | 0 |
| 2026-05-06 | $55.31 | 200 |
| 2026-05-05 | $57.00 | 0 |
About Tri-County Financial Group, Inc.
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.
Period:
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Income Statement (Annual)
| Metric | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|
| Revenue | |||
| Total Revenue | $58,271,000 | $59,583,000 | $72,398,000 |
| Operating Revenue | $58,271,000 | $59,583,000 | $72,398,000 |
| Expenses | |||
| Interest Expense | $26,570,000 | $8,202,000 | $6,459,000 |
| General And Administrative Expense | $31,416,000 | $31,608,000 | $36,148,000 |
| Other Non Interest Expense | $10,252,000 | $10,335,000 | $12,648,000 |
| Income & Earnings | |||
| Net Income From Continuing Operation Net Minority Interest | $10,045,000 | $12,236,000 | $13,223,000 |
| Net Interest Income | $42,254,000 | $44,131,000 | $42,828,000 |
| Interest Income | $68,824,000 | $52,333,000 | $49,287,000 |
| Normalized Income | $10,045,000 | $12,236,000 | $13,223,000 |
| Net Income From Continuing And Discontinued Operation | $10,045,000 | $12,236,000 | $13,223,000 |
| Net Income Common Stockholders | $10,045,000 | $12,236,000 | $13,223,000 |
| Net Income | $10,045,000 | $12,236,000 | $13,223,000 |
| Net Income Including Noncontrolling Interests | $10,045,000 | $12,236,000 | $13,223,000 |
| Net Income Continuous Operations | $10,045,000 | $12,236,000 | $13,223,000 |
| Pretax Income | $13,377,000 | $16,449,000 | $17,920,000 |
| Per Share | |||
| Diluted EPS | $4.05 | $4.83 | $5.21 |
| Basic EPS | $4.09 | $4.93 | $5.34 |
| Other | |||
| Tax Effect Of Unusual Items | $0 | $0 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 |
| Reconciled Depreciation | $1,680,000 | $1,714,000 | $1,759,000 |
| Diluted Average Shares | $2,481,343 | $2,534,387 | $2,540,183 |
| Basic Average Shares | $2,454,027 | $2,480,313 | $2,476,580 |
| Diluted NI Availto Com Stockholders | $10,045,000 | $12,236,000 | $13,223,000 |
| Tax Provision | $3,332,000 | $4,213,000 | $4,697,000 |
| Gain On Sale Of Security | $0 | $0 | $0 |
| Selling General And Administration | $31,416,000 | $31,608,000 | $36,148,000 |
| Salaries And Wages | $31,416,000 | $31,608,000 | $36,148,000 |
| Occupancy And Equipment | $4,076,000 | $4,141,000 | $3,882,000 |
Fetched: 2026-02-02
Balance Sheet (Annual)
| Metric | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|
| Assets | |||
| Net Tangible Assets | $127,420,000 | $124,326,000 | $127,825,000 |
| Total Assets | $1,552,895,000 | $1,542,825,000 | $1,403,648,000 |
| Goodwill And Other Intangible Assets | $8,723,000 | $8,758,000 | $8,817,000 |
| Other Intangible Assets | $127,000 | $162,000 | $221,000 |
| Receivables | $7,572,000 | $5,951,000 | $4,674,000 |
| Accounts Receivable | $7,572,000 | $5,951,000 | $4,674,000 |
| Cash And Cash Equivalents | $26,905,000 | $35,008,000 | $172,804,000 |
| Cash Cash Equivalents And Federal Funds Sold | $28,018,000 | $36,811,000 | $185,901,000 |
| Debt | |||
| Net Debt | $98,905,000 | $194,777,000 | - |
| Total Debt | $125,810,000 | $229,785,000 | $14,761,000 |
| Long Term Debt And Capital Lease Obligation | $125,810,000 | $229,785,000 | $14,761,000 |
| Long Term Debt | $125,810,000 | $229,785,000 | $14,761,000 |
| Liabilities | |||
| Total Liabilities Net Minority Interest | $1,416,752,000 | $1,409,741,000 | $1,267,006,000 |
| Payables And Accrued Expenses | $21,723,000 | $17,801,000 | $18,139,000 |
| Payables | $21,723,000 | $17,801,000 | $18,139,000 |
| Dividends Payable | $737,000 | $757,000 | $752,000 |
| Accounts Payable | $20,986,000 | $17,044,000 | $17,387,000 |
| Equity | |||
| Common Stock Equity | $136,143,000 | $133,084,000 | $136,642,000 |
| Total Equity Gross Minority Interest | $136,143,000 | $133,084,000 | $136,642,000 |
| Stockholders Equity | $136,143,000 | $133,084,000 | $136,642,000 |
| Gains Losses Not Affecting Retained Earnings | $-10,149,000 | $-11,508,000 | $1,983,000 |
| Other Equity Adjustments | $-10,149,000 | $-11,508,000 | $1,983,000 |
| Retained Earnings | $121,414,000 | $116,664,000 | $106,664,000 |
| Other | |||
| Ordinary Shares Number | $2,422,358 | $2,490,623 | $2,476,553 |
| Share Issued | $2,422,358 | $2,490,623 | $2,476,553 |
| Tangible Book Value | $127,420,000 | $124,326,000 | $127,825,000 |
| Invested Capital | $261,953,000 | $362,869,000 | $151,403,000 |
| Total Capitalization | $261,953,000 | $362,869,000 | $151,403,000 |
| Additional Paid In Capital | $22,455,000 | $25,437,000 | $25,518,000 |
| Capital Stock | $2,423,000 | $2,491,000 | $2,477,000 |
| Common Stock | $2,423,000 | $2,491,000 | $2,477,000 |
| Investments And Advances | $174,846,000 | $221,578,000 | $136,719,000 |
| Goodwill | $8,596,000 | $8,596,000 | $8,596,000 |
| Net PPE | $25,785,000 | $27,444,000 | $27,014,000 |
| Accumulated Depreciation | $-17,305,000 | $-16,333,000 | $-17,281,000 |
| Gross PPE | $43,090,000 | $43,777,000 | $44,295,000 |
| Machinery Furniture Equipment | $7,113,000 | $7,473,000 | $8,892,000 |
| Buildings And Improvements | $27,984,000 | $28,311,000 | $27,405,000 |
| Land And Improvements | $7,993,000 | $7,993,000 | $7,998,000 |
| Other Short Term Investments | $174,846,000 | $221,578,000 | $136,719,000 |
Fetched: 2026-02-02
Cash Flow Statement (Annual)
| Metric | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|
| Free Cash Flow | |||
| Free Cash Flow | $8,400,000 | $22,788,000 | $56,742,000 |
| Operating Activities | |||
| Operating Cash Flow | $8,777,000 | $25,075,000 | $57,547,000 |
| Cash Flow From Continuing Operating Activities | $8,777,000 | $25,075,000 | $57,547,000 |
| Operating Gains Losses | $-9,572,000 | $-10,762,000 | $-30,030,000 |
| Investing Activities | |||
| Capital Expenditure | $-377,000 | $-2,287,000 | $-805,000 |
| Investing Cash Flow | $-15,114,000 | $-314,829,000 | $-49,190,000 |
| Cash Flow From Continuing Investing Activities | $-15,114,000 | $-314,829,000 | $-49,190,000 |
| Net Other Investing Changes | $6,278,000 | $-8,800,000 | $1,069,000 |
| Financing Activities | |||
| Repurchase Of Capital Stock | $-3,599,000 | $-1,452,000 | $-1,042,000 |
| Financing Cash Flow | $-2,456,000 | $140,664,000 | $67,563,000 |
| Cash Flow From Continuing Financing Activities | $-2,456,000 | $140,664,000 | $67,563,000 |
| Cash Dividends Paid | $-2,223,000 | $-2,231,000 | $-1,858,000 |
| Common Stock Dividend Paid | $-2,223,000 | $-2,231,000 | $-1,858,000 |
| Net Common Stock Issuance | $-3,599,000 | $-1,452,000 | $-1,042,000 |
| Other | |||
| Interest Paid Supplemental Data | $24,951,000 | $8,380,000 | $7,172,000 |
| Income Tax Paid Supplemental Data | $3,312,000 | $3,205,000 | $3,644,000 |
| End Cash Position | $28,018,000 | $36,811,000 | $185,901,000 |
| Beginning Cash Position | $36,811,000 | $185,901,000 | $109,981,000 |
| Changes In Cash | $-8,793,000 | $-149,090,000 | $75,920,000 |
| Proceeds From Stock Option Exercised | $302,000 | $1,298,000 | $702,000 |
| Common Stock Payments | $-3,599,000 | $-1,452,000 | $-1,042,000 |
| Net Issuance Payments Of Debt | $-104,000,000 | $215,000,000 | $-5,239,000 |
| Net Short Term Debt Issuance | $-104,000,000 | $215,000,000 | $1,000,000 |
| Net Investment Purchase And Sale | $48,906,000 | $-103,880,000 | $-39,581,000 |
| Sale Of Investment | $69,042,000 | $54,135,000 | $19,784,000 |
| Purchase Of Investment | $-20,136,000 | $-158,015,000 | $-59,365,000 |
| Net PPE Purchase And Sale | $656,000 | $-1,956,000 | $-779,000 |
| Sale Of PPE | $1,033,000 | $331,000 | $26,000 |
| Purchase Of PPE | $-377,000 | $-2,287,000 | $-805,000 |
| Change In Working Capital | $2,406,000 | $813,000 | $5,067,000 |
| Change In Other Working Capital | $-497,000 | $-419,000 | $-369,000 |
| Change In Other Current Assets | $1,350,000 | $2,852,000 | $8,868,000 |
| Change In Payables And Accrued Expense | $3,174,000 | $-343,000 | $-3,905,000 |
| Change In Payable | $3,174,000 | $-343,000 | $-3,905,000 |
| Change In Account Payable | $3,174,000 | $-343,000 | $-3,905,000 |
| Change In Receivables | $-1,621,000 | $-1,277,000 | $473,000 |
| Changes In Account Receivables | $-1,621,000 | $-1,277,000 | $473,000 |
| Other Non Cash Items | $6,458,000 | $23,562,000 | $66,157,000 |
| Stock Based Compensation | $247,000 | $87,000 | $184,000 |
| Amortization Of Securities | $-273,000 | $152,000 | $738,000 |
| Deferred Tax | $-1,364,000 | $223,000 | $-1,351,000 |
| Deferred Income Tax | $-1,364,000 | $223,000 | $-1,351,000 |
| Depreciation Amortization Depletion | $1,680,000 | $1,714,000 | $1,759,000 |
| Depreciation And Amortization | $1,680,000 | $1,714,000 | $1,759,000 |
| Amortization Cash Flow | $35,000 | $59,000 | $68,000 |
| Amortization Of Intangibles | $35,000 | $59,000 | $68,000 |
| Depreciation | $1,645,000 | $1,655,000 | $1,691,000 |
| Gain Loss On Sale Of PPE | $-642,000 | $-129,000 | $0 |
| Net Income From Continuing Operations | $10,045,000 | $12,236,000 | $13,223,000 |
| Repayment Of Debt | - | $0 | $-16,000,000 |
| Issuance Of Debt | - | $0 | $9,761,000 |
| Net Long Term Debt Issuance | - | $0 | $-6,239,000 |
| Long Term Debt Payments | - | $0 | $-16,000,000 |
| Long Term Debt Issuance | - | $0 | $9,761,000 |
| Gain Loss On Investment Securities | - | - | $0 |
Fetched: 2026-02-02