Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Tri County Financial GroupTYFG 51 3-Year Book Growth Rate is 7.50% as of Jun. 2026, which is at its 10-year median of 7.50. GuruFocus rates TYFG with a GF Scoreâ„¢ of 51/100 and a GF Valueâ„¢ of $55.60 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,492 Banks companies, Tri County Financial Group ranks worse than 58.31% on this metric.
During the past 3 years, the average Book Value per Share Growth Rate was 7.50% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 4.60% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 10 years, the highest 3-Year average Book Value per Share Growth Rate of Tri County Financial Group was 18.20% per year. The lowest was 2.70% per year. And the median was 7.50% per year.
Tri County Financial Group (OTCPK:TYFG) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
Tri County Financial Group 3-Year Book Growth Rate Related Terms
TYFG vs FSRL, BKUT, PBCO: 3-Year Book Growth Rate Comparison
For the Banks - Regional subindustry, Tri County Financial Group's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Tri County Financial Group 3-Year Book Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Tri County Financial Group's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Tri County Financial Group's 3-Year Book Growth Rate falls into.
Tri County Financial Group 3-Year Book Growth Rate Calculation
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 7.50% mean?
Tri County Financial Group (TYFG) has a 3-Year Book Growth Rate of 7.50% as of Jun. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Tri County Financial Group and its competitors. This is near median its historical median of 7.50. Over the past decade, Tri County Financial Group's 3-Year Book Growth Rate has ranged from 2.70 to 18.20. According to the industry distribution chart, Tri County Financial Group ranks #870 out of 1492 companies in the Banks industry, placing it in the top 58.3%.
Is Tri County Financial Group's 3-Year Book Growth Rate too high?
Tri County Financial Group's current 3-Year Book Growth Rate of 7.50% is near median its 10-year median of 7.50. Over the past 10 years, this metric has ranged from a low of 2.70 to a high of 18.20. The Banks industry median 3-Year Book Growth Rate is 8.80. Tri County Financial Group's value of 7.50% is 14.8% below this industry median. Based on the distribution chart, Tri County Financial Group ranks #870 out of 1492 companies in the Banks industry, which is below the industry midpoint. Overall, Tri County Financial Group has a GF Scoreâ„¢ of 51/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Tri County Financial Group's 3-Year Book Growth Rate compare to FSRL and BKUT?
According to the Banks industry distribution chart, Tri County Financial Group ranks #870 out of 1492 companies for 3-Year Book Growth Rate. This places Tri County Financial Group in the lower half of its industry. The industry median 3-Year Book Growth Rate is 8.80. Tri County Financial Group's value of 7.50% is 14.8% below this benchmark. Historically, Tri County Financial Group's own 3-Year Book Growth Rate has ranged from 2.70 to 18.20 over the past decade. While the company's 10-year median is 7.50 vs. the industry median of 8.80, Tri County Financial Group has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for a Banks company?
The median 3-Year Book Growth Rate among Banks companies is 8.80, based on 1,492 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Tri County Financial Group's current 3-Year Book Growth Rate of 7.50% is 14.8% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Tri County Financial Group and its competitors. For the Banks industry, the median 3-Year Book Growth Rate is 8.80 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Tri County Financial Group's current 3-Year Book Growth Rate is 7.50%, which is near median its own 10-year median of 7.50. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Tri County Financial Group stock overvalued right now?
Based on GuruFocus' analysis, Tri County Financial Group (TYFG) is currently considered Significantly Overvalued. The stock's GF Value™ is $55.60, compared to a current price of $79.40 — trading 42.8% above its estimated fair value. The current 3-Year Book Growth Rate is 7.50%, which is near median its 10-year median of 7.50 and 14.8% below the Banks industry median of 8.80. Tri County Financial Group's overall GF Score™ is 51/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For Tri County Financial Group (TYFG), the current 3-Year Book Growth Rate is 7.50% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Tri County Financial Group (TYFG) Overvalued in 2026?
Based on GuruFocus' analysis, Tri County Financial Group stock appears to be overvalued.
The current stock price of $79.40 is trading 42.8% above its estimated GF Value™ of $55.60.
GuruFocus considers Tri County Financial Group to be Significantly Overvalued.
Key valuation signals for TYFG:
3-Year Book Growth Rate: 7.50% (near median its 10-year median of 7.50)
GF Value™: $55.60 vs. price of $79.40 (42.8% above fair value)
Industry Position: 14.8% below the Banks median (#870 of 1492)
No single metric tells the full story. See the TYFG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Tri County Financial Group Inc is a United States-based bank holding company. Through its subsidiaries, it is engaged in providing comprehensive banking services and other financial products and services mainly in north central Illinois. The group caters to individuals as well as to small and medium-sized businesses, by offering demand, savings, and time deposits, and various types of loans such as industrial loans, real estate loans, one-to-four family residential mortgage loans, agricultural loans, etc. Additionally, it offers home, auto, motorcycle, farm, crop hail, multi-peril, health, and life insurance products. The group has two reportable segments: Commercial Banking, which generates the maximum revenue, and Mortgage Banking.
51GF Score
Get the complete analysis for TYFG
3-Year Book Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
TYFG has been successfully added to your 
