OTCPK:TYFG

Stock Analysis Report

Tri-County Financial Group

Executive Summary

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.

Snowflake

Fundamentals

Weak fundamentals or lack of information.

Share Price & News

How has Tri-County Financial Group's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0.3%

TYFG

4.8%

US Banks

2.3%

US Market


1 Year Return

-7.7%

TYFG

0.04%

US Banks

5.6%

US Market

Return vs Industry: TYFG underperformed the US Banks industry which returned 0% over the past year.

Return vs Market: TYFG underperformed the US Market which returned 5.6% over the past year.


Shareholder returns

TYFGIndustryMarket
7 Day0.3%4.8%2.3%
30 Day-1.3%-0.5%-1.0%
90 Day-3.6%2.0%-0.7%
1 Year-6.3%-7.7%2.9%0.04%7.9%5.6%
3 Year65.7%57.8%51.5%41.1%45.6%36.3%
5 Yearn/a70.9%52.3%65.8%47.6%

Price Volatility Vs. Market

How volatile is Tri-County Financial Group's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Tri-County Financial Group undervalued compared to its fair value and its price relative to the market?


Share Price vs. Fair Value

Undervalued: TYFG ($40.25) is trading above our estimate of fair value ($5.43)

Significantly Undervalued: TYFG is trading above our estimate of fair value.


Price To Earnings Ratio

PE vs Industry: Insufficient data to calculate TYFG's PE Ratio to determine if it is good value compared to the Banks industry average.

PE vs Market: Insufficient data to calculate TYFG's PE Ratio to determine if it is good value compared to the US market.


Price to Earnings Growth Ratio

Low PEG Ratio: Insufficient data to calculate TYFG's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: Insufficient data to calculate TYFG's PB Ratio to determine if it is good value.


Next Steps

Future Growth

How is Tri-County Financial Group forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

1.1%

Forecasted Banks industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Tri-County Financial Group has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Next Steps

  • Take a look at our analysis of TYFG’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website. If you are looking for more of a qualitative research into the company, you can access Tri-County Financial Group's filings and announcements here.
  • Explore growth companies in the Banks industry.

Past Performance

How has Tri-County Financial Group performed over the past 5 years?

15.5%

Historical Banks annual earnings growth


In this section we usually display a company’s past earnings and revenues to help investors visualise the trend through time. We also gauge the company’s performance by benchmarking its returns and growth to its industry peers and the wider market. However, Tri-County Financial Group has not provided sufficient past data to assess its track record.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have historical data.


Next Steps

Financial Health

How is Tri-County Financial Group's financial position? (This company is analysed differently as a bank or financial institution)


In this section we usually analyse Tri-County Financial Group's finance health to determine how well-positioned it is against times of financial distress, in particular, its ability to manage its cash and debt levels. Tri-County Financial Group has not provided adequate balance sheet data, its financial health cannot be properly assessed as it.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have financial information.


Next Steps

  • Take a look at our analysis of TYFG’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • Investors tend to look at the financial health of a company this size in order to assess the sustainability of its current operations. While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website.
  • Financial health is measured at one point in time, so the latest financial report is the best representation of the company’s current financial status. Check when Tri-County Financial Group's financial data was last updated here.
  • Explore more healthy companies in the Banks industry.

Dividend

What is Tri-County Financial Group's current dividend yield, its reliability and sustainability?

1.24%

Current Dividend Yield


Dividend Yield vs Market

company1.2%marketbottom25%1.5%markettop25%3.8%industryaverage3.0%forecastin3Yearsn/a

Current dividend yield vs market & industry


Stability and Growth of Payments

Notable Dividend: TYFG's dividend (1.24%) isn’t notable compared to the bottom 25% of dividend payers in the US market (1.46%).

High Dividend: TYFG's dividend (1.24%) is low compared to the top 25% of dividend payers in the US market (3.76%).

Stable Dividend: Whilst dividend payments have been stable, TYFG has been paying a dividend for less than 10 years.

Growing Dividend: TYFG has only been paying a dividend for 4 years, and since then payments have not increased.


Current Payout to Shareholders

Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.


Next Steps

Management

What is the CEO of Tri-County Financial Group's salary, the management and board of directors tenure and is there insider trading?

15.3yrs

Average board tenure


CEO

Tim McConville 0

0yrs

Tenure

0

Mr. Timothy J. McConville, also known as Tim, serves as President and Chief Executive Officer of Tri County Financial Group, Inc. Mr. McConville serves as the Chief Executive Officer and President of First ...


Board Age and Tenure

15.3yrs

Average Tenure

Experienced Board: TYFG's board of directors are seasoned and experienced ( 15.3 years average tenure).


Insider Trading

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown


Management Team

  • Tim McConville

    President

    • Tenure: 0yrs
  • Connie Ganz

    Secretary

    • Tenure: 0yrs
  • Jacie Bend

    Operations Officer & CFO

    • Tenure: 0yrs
  • Craig Ayers

    Senior Vice President of Ag - First State Bank

    • Tenure: 0yrs
  • Cory Biers

    Senior Vice President of Loans - First State Bank

    • Tenure: 0yrs
  • Bill Davey

    President of North Operations - First State Bank

    • Tenure: 0yrs
  • Steve Martin

    Head of Loans & VP of First State Bank

    • Tenure: 0yrs
  • Robert Suarez

    Community President of Peru - First State Bank

    • Tenure: 0yrs
  • Brent Ohlinger

    Community President of Rochelle- First State Bank

    • Tenure: 0yrs
  • Jan Phalen

    Vice President of Marketing

    • Tenure: 0.5yrs

Board Members

  • Robert Vickrey

    Vice Chairman of the Board

    • Tenure: 0yrs
  • Goodwin Toraason

    Director

    • Tenure: 24.8yrs
  • Tim McConville

    President

    • Tenure: 0yrs
  • Kent Carnahan

    Director Emeritus

    • Tenure: 1.8yrs
  • Matt Carroll

    Director

    • Tenure: 18.8yrs
  • Ken Otterbach

    Director

    • Tenure: 15.8yrs
  • Tom Prescott

    Chairman of the Board

    • Tenure: 1.8yrs
  • Julie Setchell

    Director

    • Tenure: 14.8yrs
  • Doug Fitzgerald

    Director

    • Tenure: 0yrs
  • Matt Faber

    Board Member

    • Tenure: 1.8yrs

Company Information

Tri-County Financial Group, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Tri-County Financial Group, Inc.
  • Ticker: TYFG
  • Exchange: OTCPK
  • Founded: 1986
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$99.042m
  • Shares outstanding: 2.46m
  • Website: https://www.firststatebank.biz

Location

  • Tri-County Financial Group, Inc.
  • 706 Washington Street
  • Mendota
  • Illinois
  • 61342
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
TYFGOTCPK (Pink Sheets LLC)YesCommon StockUSUSDJul 2003

Biography

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  ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/10/16 23:46
End of Day Share Price2019/10/14 00:00
Earnings2014/12/31
Annual Earnings2014/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.