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Tri County Financial GroupTYFG 51 Intrinsic Value: Projected FCF is $63.19 as of Aug. 29, 2026. GuruFocus rates TYFG with a GF Score™ of 51/100 and a GF Value™ of $55.60 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,293 Banks companies, Tri County Financial Group ranks worse than 89.71% on this metric.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.
The historical rank and industry rank for Tri County Financial Group's Intrinsic Value: Projected FCF or its related term are showing as below:
TYFG'
s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.42 Med: 0.89 Max: 1.26
Current: 1.26
During the past 10 years, the highest Price-to-Intrinsic-Value-Projected-FCF of Tri County Financial Group was 1.26. The lowest was 0.42. And the median was 0.89.
TYFG's Price-to-Projected-FCF is ranked worse than 89.71% of 1293
companies
in the Banks industry
Industry Median: 0.59
vs TYFG: 1.26
Tri County Financial Group (OTCPK:TYFG) Intrinsic Value: Projected FCF Explanation
The growth multiple is capped between 8.35 and 17.74.
Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.
Tri County Financial Group's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as
Price-to-Intrinsic-Value-Projected-FCF
=
Share Price
/
Intrinsic Value: Projected FCF
=
79.40
/
63.187047302944
=
1.26
* 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 Intrinsic Value: Projected FCF Related Terms
Tri County Financial Group Intrinsic Value: Projected FCF Historical Data
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The historical data trend for Tri County Financial Group's Intrinsic Value: Projected FCF 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 Intrinsic Value: Projected FCF Chart
TYFG vs FSRL, BKUT, PBCO: Intrinsic Value: Projected FCF Comparison
For the Banks - Regional subindustry, Tri County Financial Group's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-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 Price-to-Projected-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Tri County Financial Group's Price-to-Projected-FCF distribution charts can be found below:
* The bar in red indicates where Tri County Financial Group's Price-to-Projected-FCF falls into.
Tri County Financial Group Intrinsic Value: Projected FCF Calculation
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.
The details of how we calculate the intrinsic value of stocks are described in detail here.
This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.
* 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.
What does a Intrinsic Value: Projected FCF of $63.19 mean?
Tri County Financial Group (TYFG) has a Intrinsic Value: Projected FCF of $63.19 as of Aug. 29, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Tri County Financial Group and its competitors. According to the industry distribution chart, Tri County Financial Group ranks #1160 out of 1293 companies in the Banks industry, placing it in the top 89.7%.
Is Tri County Financial Group's Intrinsic Value: Projected FCF too high?
Tri County Financial Group's current Intrinsic Value: Projected FCF is $63.19. The Banks industry median Intrinsic Value: Projected FCF is 0.59. Tri County Financial Group's value of $63.19 is 10610.2% above this industry median. Based on the distribution chart, Tri County Financial Group ranks #1160 out of 1293 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 Intrinsic Value: Projected FCF compare to FSRL and BKUT?
According to the Banks industry distribution chart, Tri County Financial Group ranks #1160 out of 1293 companies for Intrinsic Value: Projected FCF. This places Tri County Financial Group in the lower half of its industry. The industry median Intrinsic Value: Projected FCF is 0.59. Tri County Financial Group's value of $63.19 is 10610.2% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Intrinsic Value: Projected FCF for a Banks company?
The median Intrinsic Value: Projected FCF among Banks companies is 0.59, based on 1,293 companies in the industry. Companies in the top quartile (top 25%) have a Intrinsic Value: Projected FCF significantly above this median, while those in the bottom quartile fall well below. However, Intrinsic Value: Projected FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Tri County Financial Group's current Intrinsic Value: Projected FCF of $63.19 is 10610.2% 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 Intrinsic Value: Projected FCF mean?
A high Intrinsic Value: Projected FCF can signal that a stock is expensive relative to its fundamentals. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Tri County Financial Group and its competitors. For the Banks industry, the median Intrinsic Value: Projected FCF is 0.59 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Tri County Financial Group's current Intrinsic Value: Projected FCF is $63.19. 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 Intrinsic Value: Projected FCF is $63.19 and 10610.2% above the Banks industry median of 0.59. 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 Intrinsic Value: Projected FCF calculated?
Intrinsic Value: Projected FCF is calculated from a company's financial statements. For Tri County Financial Group (TYFG), the current Intrinsic Value: Projected FCF is $63.19 as of Aug. 29, 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:
Intrinsic Value: Projected FCF: $63.19
GF Value™: $55.60 vs. price of $79.40 (42.8% above fair value)
Industry Position: 10610.2% above the Banks median (#1160 of 1293)
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
Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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