TYFG (Tri County Financial Group) Cyclically Adjusted Book per Share: $55.83 (As of Mar. 2026)


TYFG Tri County Financial Group Inc TYFG
60 GF Score
Price $64.59
GF Value $54.60
Valuation Modestly Overvalued
! 4 Warning Signs
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What is Tri County Financial Group Cyclically Adjusted Book per Share?

Tri County Financial Group TYFG -0.43% 60 Cyclically Adjusted Book per Share is $55.83 as of Mar. 2026. GuruFocus rates TYFG with a GF Score™ of 60/100 and a GF Value™ of $54.60 (Modestly Overvalued). The stock has 4 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

Tri County Financial Group's adjusted book value per share data for the fiscal year that ended in Dec. 2025 was $66.430. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is $55.83 for the trailing ten years ended in Dec. 2025.

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 Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

As of today (2026-06-30), Tri County Financial Group's current stock price is $ 64.59. Tri County Financial Group's Cyclically Adjusted Book per Share for the fiscal year that ended in Dec. 2025 was $55.83. Tri County Financial Group's Cyclically Adjusted PB Ratio of today is 1.16.

During the past 10 years, the highest Cyclically Adjusted PB Ratio of Tri County Financial Group was 1.14. The lowest was 0.88. And the median was 0.91.


Tri County Financial Group  (OTCPK:TYFG) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

Tri County Financial Group's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=64.59/55.83
=1.16

* 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.

During the past 10 years, the highest Cyclically Adjusted PB Ratio of Tri County Financial Group was 1.14. The lowest was 0.88. And the median was 0.91.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


Tri County Financial Group Cyclically Adjusted Book per Share Related Terms


Tri County Financial Group Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Tri County Financial Group's Cyclically Adjusted Book per Share can be seen below:

* 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 Cyclically Adjusted Book per Share Chart

Tri County Financial Group Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 55.83

Tri County Financial Group Quarterly Data
Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Dec23 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted Book per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 0.00 0.00 55.83 0.00

TYFG vs PONT, ARBV, SLBK: Cyclically Adjusted Book per Share Comparison

For the Banks - Regional subindustry, Tri County Financial Group's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio 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 Cyclically Adjusted PB Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Tri County Financial Group's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Tri County Financial Group's Cyclically Adjusted PB Ratio falls into.


TYFG
60GF Score
Tri County Financial Group Inc TYFG
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
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Tri County Financial Group Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Tri County Financial Group's adjusted Book Value per Share data for the fiscal year that ended in Dec. 2025 was:

Adj_Book=Book Value per Share /CPI of Dec. 2025 (Change)*Current CPI (Dec. 2025)
=66.43/324.0540*324.0540
=66.430

Current CPI (Dec. 2025) = 324.0540.

Tri County Financial Group Annual Data

Book Value per Share CPI Adj_Book
201612 28.361 241.432 38.067
201712 31.037 246.524 40.798
201812 39.425 251.233 50.853
201912 43.668 256.974 55.067
202012 51.290 260.474 63.810
202112 55.164 278.802 64.118
202212 53.426 296.797 58.332
202312 56.211 306.746 59.383
202412 59.814 315.605 61.415
202512 66.430 324.054 66.430

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of $55.83 mean?
Tri County Financial Group (TYFG) has a Cyclically Adjusted Book per Share of $55.83 as of Mar. 2026. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Tri County Financial Group and its competitors.
Is Tri County Financial Group's Cyclically Adjusted Book per Share too high?
Tri County Financial Group's current Cyclically Adjusted Book per Share is $55.83. Overall, Tri County Financial Group has a GF Score™ of 60/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Tri County Financial Group's Cyclically Adjusted Book per Share compare to PONT and ARBV?
Tri County Financial Group's Cyclically Adjusted Book per Share of $55.83 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Book per Share for a Banks company?
A good Cyclically Adjusted Book per Share depends on the Banks industry context. However, Cyclically Adjusted Book per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Tri County Financial Group and its competitors. Tri County Financial Group's current Cyclically Adjusted Book per Share is $55.83. 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 Modestly Overvalued. The stock's GF Value™ is $54.60, compared to a current price of $64.59 — trading 18.3% above its estimated fair value. The current Cyclically Adjusted Book per Share is $55.83. Tri County Financial Group's overall GF Score™ is 60/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For Tri County Financial Group (TYFG), the current Cyclically Adjusted Book per Share is $55.83 as of Mar. 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 $64.59 is trading 18.3% above its estimated GF Value™ of $54.60. GuruFocus considers Tri County Financial Group to be Modestly Overvalued.

Key valuation signals for TYFG:

  • Cyclically Adjusted Book per Share: $55.83
  • GF Value™: $54.60 vs. price of $64.59 (18.3% above fair value)
  • GF Score™: 60/100 with 4 warning signs

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 Business Description

Address 706 Washington Street, Mendota, IL, USA, 61342
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.
60GF Score

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Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$64.59
Price
$54.60
GF Value