Tri-County Financial Group, Inc. Logo

Tri-County Financial Group, Inc.

TYFG

(2.2)
Stock Price

45,00 USD

0.71% ROA

7.4% ROE

9.38x PER

Market Cap.

103.949.248,00 USD

73.67% DER

2.15% Yield

12.33% NPM

Tri-County Financial Group, Inc. Stock Analysis

Tri-County Financial Group, Inc. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Tri-County Financial Group, Inc. Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.86x) suggests it's undervalued, making it an attractive opportunity for investors.

2 Dividend

Investors can take comfort in the company's unwavering commitment to dividends, as it has consistently distributed payouts over the past five years, ensuring a reliable income stream.

3 ROE

ROE in an average range (9.25%) suggests satisfactory profitability and decent utilization of shareholders' equity.

4 ROA

The stock's ROA (0.81%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

5 DER

The stock maintains a fair debt to equity ratio (84%), indicating a reasonable balance between the money it owes and the ownership it possesses.

6 Graham Number

The Graham number of this company suggests that its stock price may be undervalued, indicating a potentially attractive investment opportunity.

7 Buffet Intrinsic Value

Based on Warren Buffett's formula, the company's stock appears undervalued (271), presenting an attractive investment chance with its intrinsic value surpassing the current market price.

8 Revenue Growth

Company's revenue has remained stagnant over the past three years, indicating a lack of growth and making it a less favorable option.

9 Net Profit Growth

This company's net profit has remained stagnant over the past five years, indicating a lack of growth and making it a less favorable investment option.

10 Assets Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

11 Dividend Growth

Investors should note the company's stagnant dividend growth over the past three years, indicating limited profitability and potentially diminishing returns.

Tri-County Financial Group, Inc. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Tri-County Financial Group, Inc. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Sell
2 MACD Buy
3 RSI Buy
4 Stoch RSI Hold

Tri-County Financial Group, Inc. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Tri-County Financial Group, Inc. Revenue
Year Revenue Growth
2013 48.623.000
2014 40.950.000 -18.74%
2015 50.630.000 19.12%
2016 47.819.000 -5.88%
2017 46.056.000 -3.83%
2018 46.956.000 1.92%
2019 50.221.000 6.5%
2020 74.981.000 33.02%
2021 63.688.000 -17.73%
2022 59.583.000 -6.89%
2023 59.888.000 0.51%
2023 84.841.000 29.41%
2024 58.544.000 -44.92%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Tri-County Financial Group, Inc. Research and Development Expenses
Year Research and Development Expenses Growth
2013 0
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Tri-County Financial Group, Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
2013 0
2014 0 0%
2015 0 0%
2016 21.784.000 100%
2017 22.958.000 5.11%
2018 22.794.000 -0.72%
2019 22.893.000 0.43%
2020 27.029.000 15.3%
2021 27.438.000 1.49%
2022 31.608.000 13.19%
2023 0 0%
2023 31.416.000 100%
2024 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Tri-County Financial Group, Inc. EBITDA
Year EBITDA Growth
2013 1.552.000
2014 -64.000 2525%
2015 7.215.000 100.89%
2016 16.852.000 57.19%
2017 15.917.000 -5.87%
2018 21.268.000 25.16%
2019 13.179.000 -61.38%
2020 29.149.000 54.79%
2021 19.679.000 -48.12%
2022 26.365.000 25.36%
2023 14.316.000 -84.16%
2023 1.680.000 -752.14%
2024 -720.000 333.33%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Tri-County Financial Group, Inc. Gross Profit
Year Gross Profit Growth
2013 48.623.000
2014 40.950.000 -18.74%
2015 50.630.000 19.12%
2016 47.819.000 -5.88%
2017 46.056.000 -3.83%
2018 46.956.000 1.92%
2019 50.221.000 6.5%
2020 74.981.000 33.02%
2021 63.688.000 -17.73%
2022 59.583.000 -6.89%
2023 59.888.000 0.51%
2023 84.887.000 29.45%
2024 94.032.000 9.73%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Tri-County Financial Group, Inc. Net Profit
Year Net Profit Growth
2013 1.122.000
2014 1.871.000 40.03%
2015 4.977.000 62.41%
2016 6.695.000 25.66%
2017 3.994.000 -67.63%
2018 6.841.000 41.62%
2019 8.873.000 22.9%
2020 20.143.000 55.95%
2021 13.223.000 -52.33%
2022 12.236.000 -8.07%
2023 10.768.000 -13.63%
2023 10.045.000 -7.2%
2024 9.220.000 -8.95%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Tri-County Financial Group, Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2013 1
2014 1 100%
2015 1 0%
2016 3 100%
2017 2 -50%
2018 3 0%
2019 4 33.33%
2020 8 62.5%
2021 5 -60%
2022 5 -25%
2023 4 0%
2023 4 0%
2024 4 -33.33%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Tri-County Financial Group, Inc. Free Cashflow
Year Free Cashflow Growth
2013 148.191.000
2014 69.253.000 -113.98%
2016 15.672.000 -341.89%
2017 12.746.000 -22.96%
2018 14.330.000 11.05%
2019 8.168.000 -75.44%
2020 -22.697.000 135.99%
2021 56.742.000 140%
2022 22.788.000 -149%
2023 11.689.000 -94.95%
2024 0 0%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Tri-County Financial Group, Inc. Operating Cashflow
Year Operating Cashflow Growth
2013 151.055.000
2014 70.133.000 -115.38%
2016 19.583.000 -258.13%
2017 13.807.000 -41.83%
2018 16.053.000 13.99%
2019 9.712.000 -65.29%
2020 -18.468.000 152.59%
2021 57.547.000 132.09%
2022 25.075.000 -129.5%
2023 12.066.000 -107.82%
2024 0 0%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Tri-County Financial Group, Inc. Capital Expenditure
Year Capital Expenditure Growth
2013 2.864.000
2014 880.000 -225.45%
2016 3.911.000 77.5%
2017 1.061.000 -268.61%
2018 1.723.000 38.42%
2019 1.544.000 -11.59%
2020 4.229.000 63.49%
2021 805.000 -425.34%
2022 2.287.000 64.8%
2023 377.000 -506.63%
2024 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Tri-County Financial Group, Inc. Equity
Year Equity Growth
2013 78.645.000
2014 81.222.000 3.17%
2015 85.269.000 4.75%
2016 69.825.000 -22.12%
2017 91.904.000 24.02%
2018 97.064.000 5.32%
2019 107.511.000 9.72%
2020 126.995.000 15.34%
2021 136.642.000 7.06%
2022 133.084.000 -2.67%
2023 131.527.000 -1.18%
2023 136.143.000 3.39%
2024 139.234.000 2.22%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Tri-County Financial Group, Inc. Assets
Year Assets Growth
2013 918.509.000
2014 869.170.000 -5.68%
2015 880.410.000 1.28%
2016 953.924.000 7.71%
2017 1.065.257.000 10.45%
2018 1.124.864.000 5.3%
2019 1.143.781.000 1.65%
2020 1.327.840.000 13.86%
2021 1.403.648.000 5.4%
2022 1.542.825.000 9.02%
2023 1.502.536.000 -2.68%
2023 1.552.895.000 3.24%
2024 1.532.183.000 -1.35%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Tri-County Financial Group, Inc. Liabilities
Year Liabilities Growth
2013 494.000
2014 349.000 -41.55%
2015 795.141.000 99.96%
2016 884.099.000 10.06%
2017 973.353.000 9.17%
2018 1.027.800.000 5.3%
2019 1.036.270.000 0.82%
2020 1.200.845.000 13.7%
2021 1.267.006.000 5.22%
2022 1.409.741.000 10.12%
2023 1.371.009.000 -2.83%
2023 1.416.752.000 3.23%
2024 1.392.949.000 -1.71%

Tri-County Financial Group, Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
33.77
Net Income per Share
4.46
Price to Earning Ratio
9.38x
Price To Sales Ratio
1.27x
POCF Ratio
0
PFCF Ratio
0
Price to Book Ratio
0.73
EV to Sales
1.8
EV Over EBITDA
-172.47
EV to Operating CashFlow
0
EV to FreeCashFlow
0
Earnings Yield
0.11
FreeCashFlow Yield
0
Market Cap
0,10 Bil.
Enterprise Value
0,15 Bil.
Graham Number
75.99
Graham NetNet
-560.67

Income Statement Metrics

Net Income per Share
4.46
Income Quality
0
ROE
0.08
Return On Assets
0.01
Return On Capital Employed
0.03
Net Income per EBT
0.75
EBT Per Ebit
0.42
Ebit per Revenue
0.39
Effective Tax Rate
0.25

Margins

Sales, General, & Administrative to Revenue
0
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1.11
Operating Profit Margin
0.39
Pretax Profit Margin
0.16
Net Profit Margin
0.12

Dividends

Dividend Yield
0.02
Dividend Yield %
2.15
Payout Ratio
0
Dividend Per Share
0.9

Operating Metrics

Operating Cashflow per Share
0
Free CashFlow per Share
0
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.07
Return on Tangible Assets
0.01
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
14,66
Book Value per Share
57,51
Tangible Book Value per Share
53.91
Shareholders Equity per Share
57.51
Interest Debt per Share
42.37
Debt to Equity
0.74
Debt to Assets
0.07
Net Debt to EBITDA
-50.46
Current Ratio
486.25
Tangible Asset Value
0,13 Bil.
Net Current Asset Value
-1,36 Bil.
Invested Capital
69274000
Working Capital
0,04 Bil.
Intangibles to Total Assets
0.01
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0.99

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Tri-County Financial Group, Inc. Dividends
Year Dividends Growth
2018 1
2019 1 0%
2020 1 0%
2021 1 0%
2022 1 0%
2023 1 0%
2024 1 0%

Tri-County Financial Group, Inc. Profile

About Tri-County Financial Group, Inc.

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.

CEO
Mr. Timothy J. McConville
Employee
0
Address
706 Washington Street
Mendota, 61342

Tri-County Financial Group, Inc. Executives & BODs

Tri-County Financial Group, Inc. Executives & BODs
# Name Age
1 Mr. Timothy J. McConville
President, Chief Executive Officer, Head of Investor Relations & Director
70
2 Mr. Brent R. Ohlinger
Community President of Rochelle- First State Bank
70
3 Cory Biers
Senior Vice President of Loans - First State Bank
70
4 Mr. Robert Suarez
Community President of Peru - First State Bank
70
5 Jan Phalen
Chief Marketing Officer
70
6 Tracy Grimmer
Community President of Princeton
70
7 Kirk Ross
Secretary
70
8 Lana Eddy
Chief Financial Officer
70

Tri-County Financial Group, Inc. Competitors