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Tri-County Financial Group(OTC) TYFG

Market Cap$188.85MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2003)+628%
5 Year+90%
1 Year+78%
1 Month+22%
$80.70
+1.64%
+1.30Today
Tri-County Financial Group last closing stock price
MetricPriceDate
Last closeUSD 79.402026-08-10
Tri-County Financial Group stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+15.07%USD 69.002026-08-03
1 month+22.44%USD 64.852026-07-10
3 month+44.18%USD 55.072026-05-06
Year to date+64.33%USD 48.322025-12-22
1 year+78.03%USD 44.602025-08-08
3 year+83.94%USD 43.172023-08-11
5 year+89.76%USD 41.842021-08-10
Since inception+628.27%USD 10.902003-07-09

Tri-County Financial Group Financials at a Glance

Market Cap

$188.85MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$102.09M

Net Income (TTM)

$16.19M

EPS (TTM)

$6.47

P/E Ratio

12.27

Dividend

$1.06

Beta (Volatility)

0.06 (Low)

Price

$80.70

Volume

200

Open

$79.50

Previous Close

$80.70

Daily Range

$79.50 - $80.70

52-Week Range

$45.50 - $80.70

Estimated Earnings Date

Mar 31, 2023

TYFG News

No articles available.

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About Tri-County Financial Group

Tri-County Financial Group helps people and businesses manage money and get loans. It offers checking accounts, savings, and mortgages for daily needs. Local farmers and companies use its loans to grow or buy equipment.

Money Matters: What Tri-County Offers

  • Commercial Banking: Checking, savings, and deposit accounts for individuals and businesses (majority of revenue).
  • Lending Services: Home, auto, business, and farm loans for personal and commercial needs (real estate loans are 89% of total loans).
  • Mortgage Banking: Residential mortgage origination and sales, mainly in Illinois and Wisconsin (mortgage banking income was 22.4% of non-interest income in H1 2025).
  • Insurance Services: Personal and business insurance products through its insurance subsidiary.
  • Business Services: Online banking, treasury management, and payment solutions for local companies.

Growth Spurts: How Tri-County Has Evolved

  • Expanded mortgage banking operations in Illinois and Wisconsin since 2023.
  • Launched share repurchase program in 2025, buying back 5,800 shares.
  • Increased focus on digital banking and treasury management services in recent years.
  • Participated in State of Illinois deposit program to support agricultural lending in 2025.

Why Tri-County Stands Out (Without Bragging)

Tri-County focuses on local markets in Illinois and Wisconsin, serving both individuals and businesses. Its dual-segment model balances traditional banking with mortgage origination. The company maintains strong capital ratios and a diversified loan portfolio.

Five Things You Need to Know

  • Total revenue was $17 million in Q2 2025, up 16.3% from Q2 2024.
  • Net income reached $3.5 million in Q2 2025, up 52.1% year-over-year.
  • Return on average equity was 8.36% for the first half of 2025.
  • Core deposits were $1.10 billion as of June 30, 2025, 86.3% of total deposits.
  • Real estate loans made up 89% of the total loan portfolio in June 2025.

Bottom Line

Tri-County has grown by expanding mortgage banking and digital services while keeping a strong local focus. Its steady financial performance and diversified offerings support its position in regional banking.

AI Generated • Apr 16, 2026

Industry

Banks

Sector

Financials

Employees

287

CEO

Kirk Ross

Headquarters

Mendota, IL 61342, US

TYFG Financials

Key Financial Metrics (TTM)

Gross Margin

69.07%

Operating Margin

21.56%

Net Income Margin

15.86%

Return on Equity

10.14%

Return on Capital

6.88%

Return on Assets

1.04%

Earnings Yield

8.15%

Dividend Yield

1.34%

Payout Ratio

14.71%

Stock Overview

Market Cap

$188.85MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

2.38M

Volume

200

Avg. Volume

751.968

Financials (TTM)

Gross Profit

$70.51M

Operating Income

$22.01M

EBITDA

$22.34M

Operating Cash Flow

$13.48M

Capital Expenditure

-$379.00K

Free Cash Flow

$13.11M

Cash & ST Invst.

$58.36M

Total Debt

$77.19M

Tri-County Financial Group Performance Analysis

Tri-County Financial Group annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 67,785,000-3.4%
20232023-12-31USD 84,841,00025.2%
20242024-12-31USD 93,528,00010.2%
20252025-12-31USD 99,262,0006.1%
Tri-County Financial Group sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-3050.1%
Q42025-12-311.1%
Q12026-03-31-2.9%
Q22026-06-302.2%
Tri-County Financial Group annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 4.83-7.3%
20232023-12-31USD 4.05-16.2%
20242024-12-31USD 4.285.6%
20252025-12-31USD 5.6732.6%
Tri-County Financial Group sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-304.8%
Q42025-12-314.6%
Q12026-03-3116.3%
Q22026-06-30-7.0%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$25.63M

+50.7%

Gross Profit

$17.48M

+2.8%

Gross Margin

68.21%

N/A

Market Cap

$188.85MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$658.01K

N/A

Employees

287

N/A

Net Income

$4.12M

+17.4%

EBITDA

$5.64M

+7.1%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$58.36M

+28.4%

Total Debt

$77.19M

-37.2%

Accounts Receivable

$8.78M

+9.3%

Inventory

$0.00

N/A

Long Term Debt

$55.79M

+5.7%

Short Term Debt

$21.40M

-69.5%

Return on Assets

1.04%

N/A

Return on Invested Capital

1.43%

N/A

Free Cash Flow

-$1.70M

+63.4%

Operating Cash Flow

-$1.61M

+63.9%

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Questions About TYFG

What is the current price of Tri-County Financial Group?

Tri-County Financial Group is trading at $80.70 per share.

What is the 52-week range for Tri-County Financial Group?

Over the past 52 weeks, Tri-County Financial Group has traded between $45.50 and $80.70.

How much debt does Tri-County Financial Group have?

As of the most recent reporting period, Tri-County Financial Group reported total debt of $77.19M.

How much cash does Tri-County Financial Group have on hand?

Tri-County Financial Group does not have cash on hand data available.

What is Tri-County Financial Group’s dividend yield?

Tri-County Financial Group currently has a dividend yield of 1.34%.

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