Tri County Financial GroupTYFG -0.43%60 PB Ratio is 0.95 as of Jun. 30, 2026, which is 14% above its 10-year median of 0.83. 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. Among 1,519 Banks companies, Tri County Financial Group ranks better than 62.15% on this metric.
Tri County Financial Group Inc stock PB Ratio (=0.94) is close to 10-year high of 1.04.
The historical rank and industry rank for Tri County Financial Group's PB Ratio or its related term are showing as below:
TYFG'
s PB Ratio Range Over the Past 10 Years
Min: 0.6 Med: 0.83 Max: 1.04
Current: 0.95
During the past 10 years, Tri County Financial Group's highest PB Ratio was 1.04. The lowest was 0.60. And the median was 0.83.
TYFG's PB Ratio is ranked better than 62.15% of 1519
companies
in the Banks industry
Industry Median: 1.09
vs TYFG: 0.95
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.
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.
Back to Basics: PB Ratio
Tri County Financial Group (OTCPK:TYFG) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Tri County Financial Group PB Ratio Related Terms
Tri County Financial Group PB Ratio 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 PB Ratio, along with its competitors' market caps and 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Tri County Financial Group's PB Ratio distribution charts can be found below:
* The bar in red indicates where Tri County Financial Group's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Tri County Financial Group (TYFG) has a PB Ratio of 0.95 as of Jun. 30, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Tri County Financial Group and its competitors. This is 14% above median its historical median of 0.83. Over the past decade, Tri County Financial Group's PB Ratio has ranged from 0.60 to 1.04. According to the industry distribution chart, Tri County Financial Group ranks #575 out of 1519 companies in the Banks industry, placing it in the top 37.9%.
Is Tri County Financial Group's PB Ratio too high?
Tri County Financial Group's current PB Ratio of 0.95 is 14% above median its 10-year median of 0.83. Over the past 10 years, this metric has ranged from a low of 0.60 to a high of 1.04. The Banks industry median PB Ratio is 1.09. Tri County Financial Group's value of 0.95 is 12.8% below this industry median. Based on the distribution chart, Tri County Financial Group ranks #575 out of 1519 companies in the Banks industry, which is above the industry midpoint. 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 PB Ratio compare to PONT and ARBV?
According to the Banks industry distribution chart, Tri County Financial Group ranks #575 out of 1519 companies for PB Ratio. This puts Tri County Financial Group in the upper half of its industry. The industry median PB Ratio is 1.09. Tri County Financial Group's value of 0.95 is 12.8% below this benchmark. Historically, Tri County Financial Group's own PB Ratio has ranged from 0.60 to 1.04 over the past decade. While the company's 10-year median is 0.83 vs. the industry median of 1.09, 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.09, based on 1,519 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Tri County Financial Group's current PB Ratio of 0.95 is 12.8% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Tri County Financial Group and its competitors. For the Banks industry, the median PB Ratio is 1.09 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Tri County Financial Group's current PB Ratio is 0.95, which is 14% above median its own 10-year median of 0.83. 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 PB Ratio is 0.95, which is 14% above median its 10-year median of 0.83 and 12.8% below the Banks industry median of 1.09. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Tri County Financial Group (TYFG), the current PB Ratio is 0.95 as of Jun. 30, 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:
PB Ratio: 0.95 (14% above median its 10-year median of 0.83)
GF Value™: $54.60 vs. price of $64.59 (18.3% above fair value)
Industry Position: 12.8% below the Banks median (#575 of 1519)
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.
60GF Score
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