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 Cash-to-Debt is 1.05 as of Jun. 2026, which is 38% above its 10-year median of 0.76. GuruFocus rates TYFG with a GF Score™ of 51/100 and a GF Value™ of $55.61 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,487 Banks companies, Tri County Financial Group ranks worse than 56.89% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Tri County Financial Group's cash to debt ratio for the quarter that ended in Jun. 2026 was 1.05.
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. Here we can see, Tri County Financial Groupcould pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Tri County Financial Group's Cash-to-Debt or its related term are showing as below:
TYFG'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.15 Med: 0.76 Max: 11.71
Current: 1.05
During the past 10 years, Tri County Financial Group's highest Cash to Debt Ratio was 11.71. The lowest was 0.15. And the median was 0.76.
TYFG's Cash-to-Debt is ranked worse than 56.89% of 1487
companies
in the Banks industry
Industry Median: 1.4
vs TYFG: 1.05
Tri County Financial Group (OTCPK:TYFG) Cash-to-Debt Explanation
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Tri County Financial Group Cash-to-Debt Related Terms
Tri County Financial Group Cash-to-Debt Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Banks - Regional subindustry, Tri County Financial Group's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt 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 Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Tri County Financial Group's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Tri County Financial Group's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Tri County Financial Group (TYFG) has a Cash-to-Debt of 1.05 as of Jun. 2026. This is 38% above median its historical median of 0.76. Over the past decade, Tri County Financial Group's Cash-to-Debt has ranged from 0.15 to 11.71. According to the industry distribution chart, Tri County Financial Group ranks #846 out of 1487 companies in the Banks industry, placing it in the top 56.9%.
Is Tri County Financial Group's Cash-to-Debt too high?
Tri County Financial Group's current Cash-to-Debt of 1.05 is 38% above median its 10-year median of 0.76. Over the past 10 years, this metric has ranged from a low of 0.15 to a high of 11.71. The Banks industry median Cash-to-Debt is 1.40. Tri County Financial Group's value of 1.05 is 25% below this industry median. Based on the distribution chart, Tri County Financial Group ranks #846 out of 1487 companies in the Banks industry, which is below the industry midpoint. Overall, Tri County Financial Group has a GF Score™ 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 Cash-to-Debt compare to FSRL and BKUT?
According to the Banks industry distribution chart, Tri County Financial Group ranks #846 out of 1487 companies for Cash-to-Debt. This places Tri County Financial Group in the lower half of its industry. The industry median Cash-to-Debt is 1.40. Tri County Financial Group's value of 1.05 is 25% below this benchmark. Historically, Tri County Financial Group's own Cash-to-Debt has ranged from 0.15 to 11.71 over the past decade. While the company's 10-year median is 0.76 vs. the industry median of 1.40, 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 Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.40, based on 1,487 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Tri County Financial Group's current Cash-to-Debt of 1.05 is 25% 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 Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Tri County Financial Group's current Cash-to-Debt is 1.05, which is 38% above median its own 10-year median of 0.76. 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 $55.61, compared to a current price of $79.40 — trading 42.8% above its estimated fair value. The current Cash-to-Debt is 1.05, which is 38% above median its 10-year median of 0.76 and 25% below the Banks industry median of 1.40. 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 Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Tri County Financial Group (TYFG), the current Cash-to-Debt is 1.05 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 $55.61.
GuruFocus considers Tri County Financial Group to be Significantly Overvalued.
Key valuation signals for TYFG:
Cash-to-Debt: 1.05 (38% above median its 10-year median of 0.76)
GF Value™: $55.61 vs. price of $79.40 (42.8% above fair value)
Industry Position: 25% below the Banks median (#846 of 1487)
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
Cash-to-Debt 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 
