Tri County Financial GroupTYFG 60 Pretax Margin % is 34.30% as of Mar. 2026, which is 45% above its 10-year median of 23.60. GuruFocus rates TYFG with a GF Score™ of 60/100 and a GF Value™ of $54.60 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,526 Banks companies, Tri County Financial Group ranks worse than 62.12% on this metric.
The historical rank and industry rank for Tri County Financial Group's Pretax Margin % or its related term are showing as below:
TYFG'
s Pretax Margin % Range Over the Past 10 Years
Min: 14.92 Med: 23.6 Max: 36.75
Current: 30.25
TYFG's Pretax Margin % is ranked worse than 62.12% of 1526
companies
in the Banks industry
Industry Median: 34.885
vs TYFG: 30.25
Tri County Financial Group (OTCPK:TYFG) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Tri County Financial Group Pretax Margin % Related Terms
Tri County Financial Group Pretax Margin % 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.
TYFG vs INBC, PRMY, RMBI: Pretax Margin % Comparison
For the Banks - Regional subindustry, Tri County Financial Group's Pretax Margin %, along with its competitors' market caps and Pretax Margin % 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Tri County Financial Group's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Tri County Financial Group's Pretax Margin % 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 Pretax Margin % of 34.30% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Tri County Financial Group and its competitors. This is 45% above median its historical median of 23.60. Over the past decade, Tri County Financial Group's Pretax Margin % has ranged from 14.92 to 36.75. According to the industry distribution chart, Tri County Financial Group ranks #948 out of 1526 companies in the Banks industry, placing it in the top 62.1%.
Is Tri County Financial Group's Pretax Margin % too high?
Tri County Financial Group's current Pretax Margin % of 34.30% is 45% above median its 10-year median of 23.60. Over the past 10 years, this metric has ranged from a low of 14.92 to a high of 36.75. The Banks industry median Pretax Margin % is 34.89. Tri County Financial Group's value of 34.30% is 1.7% below this industry median. Based on the distribution chart, Tri County Financial Group ranks #948 out of 1526 companies in the Banks industry, which is below 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 Pretax Margin % compare to INBC and PRMY?
According to the Banks industry distribution chart, Tri County Financial Group ranks #948 out of 1526 companies for Pretax Margin %. This places Tri County Financial Group in the lower half of its industry. The industry median Pretax Margin % is 34.89. Tri County Financial Group's value of 34.30% is 1.7% below this benchmark. Historically, Tri County Financial Group's own Pretax Margin % has ranged from 14.92 to 36.75 over the past decade. While the company's 10-year median is 23.60 vs. the industry median of 34.89, 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.89, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Tri County Financial Group's current Pretax Margin % of 34.30% is 1.7% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Tri County Financial Group and its competitors. For the Banks industry, the median Pretax Margin % is 34.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Tri County Financial Group's current Pretax Margin % is 34.30%, which is 45% above median its own 10-year median of 23.60. 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 $63.23 — trading 15.8% above its estimated fair value. The current Pretax Margin % is 34.30%, which is 45% above median its 10-year median of 23.60 and 1.7% below the Banks industry median of 34.89. Tri County Financial Group's overall GF Score™ is 60/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Tri County Financial Group (TYFG), the current Pretax Margin % is 34.30% 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 $63.23 is trading 15.8% above its estimated GF Value™ of $54.60.
GuruFocus considers Tri County Financial Group to be Modestly Overvalued.
Key valuation signals for TYFG:
Pretax Margin %: 34.30% (45% above median its 10-year median of 23.60)
GF Value™: $54.60 vs. price of $63.23 (15.8% above fair value)
Industry Position: 1.7% below the Banks median (#948 of 1526)
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.
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