Tri County Financial GroupTYFG -0.43%60 Return-on-Tangible-Equity is 11.84% as of Mar. 2026, which is 25% above its 10-year median of 9.48. 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 1,525 Banks companies, Tri County Financial Group ranks worse than 54.95% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Tri County Financial Group's annualized net income for the quarter that ended in Mar. 2026 was $17.89 Mil. Tri County Financial Group's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $151.03 Mil. Therefore, Tri County Financial Group's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 11.84%.
The historical rank and industry rank for Tri County Financial Group's Return-on-Tangible-Equity or its related term are showing as below:
TYFG'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 5.42 Med: 9.48 Max: 18.38
Current: 10.45
During the past 10 years, Tri County Financial Group's highest Return-on-Tangible-Equity was 18.38%. The lowest was 5.42%. And the median was 9.48%.
TYFG's Return-on-Tangible-Equity is ranked worse than 54.95% of 1525
companies
in the Banks industry
Industry Median: 11.2
vs TYFG: 10.45
Tri County Financial Group (OTCPK:TYFG) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Tri County Financial Group Return-on-Tangible-Equity Related Terms
Tri County Financial Group Return-on-Tangible-Equity 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.
Tri County Financial Group Return-on-Tangible-Equity Chart
TYFG vs PONT, ARBV, SLBK: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Tri County Financial Group's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Tri County Financial Group's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Tri County Financial Group's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 11.84% mean?
Tri County Financial Group (TYFG) has a Return-on-Tangible-Equity of 11.84% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Tri County Financial Group and its competitors. This is 25% above median its historical median of 9.48. Over the past decade, Tri County Financial Group's Return-on-Tangible-Equity has ranged from 5.42 to 18.38. According to the industry distribution chart, Tri County Financial Group ranks #838 out of 1525 companies in the Banks industry, placing it in the top 55%.
Is Tri County Financial Group's Return-on-Tangible-Equity too high?
Tri County Financial Group's current Return-on-Tangible-Equity of 11.84% is 25% above median its 10-year median of 9.48. Over the past 10 years, this metric has ranged from a low of 5.42 to a high of 18.38. The Banks industry median Return-on-Tangible-Equity is 11.20. Tri County Financial Group's value of 11.84% is 5.7% above this industry median. Based on the distribution chart, Tri County Financial Group ranks #838 out of 1525 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 Return-on-Tangible-Equity compare to PONT and ARBV?
According to the Banks industry distribution chart, Tri County Financial Group ranks #838 out of 1525 companies for Return-on-Tangible-Equity. This places Tri County Financial Group in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.20. Tri County Financial Group's value of 11.84% is 5.7% above this benchmark. Historically, Tri County Financial Group's own Return-on-Tangible-Equity has ranged from 5.42 to 18.38 over the past decade. While the company's 10-year median is 9.48 vs. the industry median of 11.20, 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.20, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Tri County Financial Group's current Return-on-Tangible-Equity of 11.84% is 5.7% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Tri County Financial Group and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Tri County Financial Group's current Return-on-Tangible-Equity is 11.84%, which is 25% above median its own 10-year median of 9.48. 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 Return-on-Tangible-Equity is 11.84%, which is 25% above median its 10-year median of 9.48 and 5.7% above the Banks industry median of 11.20. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Tri County Financial Group (TYFG), the current Return-on-Tangible-Equity is 11.84% 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:
Return-on-Tangible-Equity: 11.84% (25% above median its 10-year median of 9.48)
GF Value™: $54.60 vs. price of $64.59 (18.3% above fair value)
Industry Position: 5.7% above the Banks median (#838 of 1525)
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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