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Tri County Financial GroupTYFG -1.11%51 EV-to-FCF is 8.14 as of Sep. 09, 2026, which is 24% below its 10-year median of 10.71. GuruFocus rates TYFG with a GF Score™ of 51/100 and a GF Value™ of $55.70 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,187 Banks companies, Tri County Financial Group ranks worse than 53.66% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Tri County Financial Group's Enterprise Value is $188.28 Mil.
Tri County Financial Group's Free Cash Flow for the trailing twelve months (TTM) ended in Jun. 2026 was $23.12 Mil. Therefore, Tri County Financial Group's EV-to-FCF for today is 8.14.
The historical rank and industry rank for Tri County Financial Group's EV-to-FCF or its related term are showing as below:
TYFG'
s EV-to-FCF Range Over the Past 10 Years
Min: -21.77 Med: 10.71 Max: 62.96
Current: 8.14
During the past 10 years, the highest EV-to-FCF of Tri County Financial Group was 62.96. The lowest was -21.77. And the median was 10.71.
TYFG's EV-to-FCF is ranked worse than 53.66% of 1187
companies
in the Banks industry
Industry Median: 7.11
vs TYFG: 8.14
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Tri County Financial Group (OTCPK:TYFG) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Tri County Financial Group's PE Ratio (TTM) for today is calculated as:
Tri County Financial Group's share price for today is $79.85.
Tri County Financial Group's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $6.680.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Tri County Financial Group EV-to-FCF Related Terms
Tri County Financial Group EV-to-FCF 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.
For the Banks - Regional subindustry, Tri County Financial Group's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Tri County Financial Group's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Tri County Financial Group's EV-to-FCF falls into.
Tri County Financial Group's current Enterprise Value is $188.28 Mil.
Tri County Financial Group's Free Cash Flow for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $23.12 Mil.
* 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 EV-to-FCF of 8.14 as of Sep. 09, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Tri County Financial Group and its competitors. This is 24% below median its historical median of 10.71. According to the industry distribution chart, Tri County Financial Group ranks #637 out of 1187 companies in the Banks industry, placing it in the top 53.7%.
Is Tri County Financial Group's EV-to-FCF too high?
Tri County Financial Group's current EV-to-FCF of 8.14 is 24% below median its 10-year median of 10.71. The Banks industry median EV-to-FCF is 7.11. Tri County Financial Group's value of 8.14 is 14.5% above this industry median. Based on the distribution chart, Tri County Financial Group ranks #637 out of 1187 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 EV-to-FCF compare to BMBN and CBFV?
According to the Banks industry distribution chart, Tri County Financial Group ranks #637 out of 1187 companies for EV-to-FCF. This places Tri County Financial Group in the lower half of its industry. The industry median EV-to-FCF is 7.11. Tri County Financial Group's value of 8.14 is 14.5% above this benchmark. While the company's 10-year median is 10.71 vs. the industry median of 7.11, Tri County Financial Group has consistently been above 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 EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 7.11, based on 1,187 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Tri County Financial Group's current EV-to-FCF of 8.14 is 14.5% above 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Tri County Financial Group and its competitors. For the Banks industry, the median EV-to-FCF is 7.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Tri County Financial Group's current EV-to-FCF is 8.14, which is 24% below median its own 10-year median of 10.71. 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 $55.70, compared to a current price of $79.85 — trading 43.4% above its estimated fair value. The current EV-to-FCF is 8.14, which is 24% below median its 10-year median of 10.71 and 14.5% above the Banks industry median of 7.11. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Tri County Financial Group (TYFG), the current EV-to-FCF is 8.14 as of Sep. 09, 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 $79.85 is trading 43.4% above its estimated GF Value™ of $55.70.
GuruFocus considers Tri County Financial Group to be Significantly Overvalued.
Key valuation signals for TYFG:
EV-to-FCF: 8.14 (24% below median its 10-year median of 10.71)
GF Value™: $55.70 vs. price of $79.85 (43.4% above fair value)
Industry Position: 14.5% above the Banks median (#637 of 1187)
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
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