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Tri County Financial GroupTYFG +1.84%51 Shiller PE Ratio is 16.30 as of Aug. 19, 2026, which is 62% above its 10-year median of 10.08. GuruFocus rates TYFG with a GF Score™ of 51/100 and a GF Value™ of $55.50 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,240 Banks companies, Tri County Financial Group ranks worse than 61.85% on this metric.
The historical rank and industry rank for Tri County Financial Group's Shiller PE Ratio or its related term are showing as below:
TYFG'
s Shiller PE Ratio Range Over the Past 10 Years
Min: 9.7 Med: 10.08 Max: 16.79
Current: 16.3
During the past 10 years, Tri County Financial Group's highest Shiller PE Ratio was 16.79. The lowest was 9.70. And the median was 10.08.
TYFG's Shiller PE Ratio is ranked worse than 61.85% of 1240
companies
in the Banks industry
Industry Median: 13.99
vs TYFG: 16.30
E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.
Tri County Financial Group's adjusted earnings per share data of for the fiscal year that ended in Dec25 was $5.670. Add all the adjusted EPS for the past 10 years together and divide 10 will get our E10, which is $5.06 for the trailing ten years ended in Dec25.
Shiller PE for Stocks: The True Measure of Stock Valuation
Tri County Financial Group (OTCPK:TYFG) Shiller PE Ratio Explanation
Compared with the regular PE Ratio, which works poorly for cyclical businesses, the Shiller PE Ratio smoothed out the fluctuations of profit margins during business cycles. Therefore it is more accurate in reflecting the valuation of the company.
If a company has consistent business performance, the Shiller PE Ratio should give similar results to regular PE Ratio.
Compared with the PS Ratio, the Shiller PE Ratio makes the comparison between different industries more meaningful.
Be Aware
Shiller PE Ratio assumes that over the long term, businesses and profitability revert to their means. If a company's business model does not work in the future compared with the past, Shiller PE Ratio and PS Ratio will give false valuations.
Tri County Financial Group Shiller PE Ratio Related Terms
Tri County Financial Group Shiller PE 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.
TYFG vs FSRL, BKUT, PBCO: Shiller PE Ratio Comparison
For the Banks - Regional subindustry, Tri County Financial Group's Shiller PE Ratio, along with its competitors' market caps and Shiller PE 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 Shiller PE Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Tri County Financial Group's Shiller PE Ratio distribution charts can be found below:
* The bar in red indicates where Tri County Financial Group's Shiller PE Ratio falls into.
Tri County Financial Group Shiller PE Ratio Calculation
For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller PE Ratio is also called PE10.
The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.
* 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.
Add all the adjusted EPS together and divide 10 will get our E10.
Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.
Tri County Financial Group (TYFG) has a Shiller PE Ratio of 16.30 as of Aug. 19, 2026. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on Tri County Financial Group and its competitors. This is 62% above median its historical median of 10.08. Over the past decade, Tri County Financial Group's Shiller PE Ratio has ranged from 9.70 to 16.79. According to the industry distribution chart, Tri County Financial Group ranks #767 out of 1240 companies in the Banks industry, placing it in the top 61.9%.
Is Tri County Financial Group's Shiller PE Ratio too high?
Tri County Financial Group's current Shiller PE Ratio of 16.30 is 62% above median its 10-year median of 10.08. Over the past 10 years, this metric has ranged from a low of 9.70 to a high of 16.79. The Banks industry median Shiller PE Ratio is 13.99. Tri County Financial Group's value of 16.30 is 16.5% above this industry median. Based on the distribution chart, Tri County Financial Group ranks #767 out of 1240 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 Shiller PE Ratio compare to FSRL and BKUT?
According to the Banks industry distribution chart, Tri County Financial Group ranks #767 out of 1240 companies for Shiller PE Ratio. This places Tri County Financial Group in the lower half of its industry. The industry median Shiller PE Ratio is 13.99. Tri County Financial Group's value of 16.30 is 16.5% above this benchmark. Historically, Tri County Financial Group's own Shiller PE Ratio has ranged from 9.70 to 16.79 over the past decade. While the company's 10-year median is 10.08 vs. the industry median of 13.99, 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 Shiller PE Ratio for a Banks company?
The median Shiller PE Ratio among Banks companies is 13.99, based on 1,240 companies in the industry. Companies in the top quartile (top 25%) have a Shiller PE Ratio significantly above this median, while those in the bottom quartile fall well below. However, Shiller PE Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Tri County Financial Group's current Shiller PE Ratio of 16.30 is 16.5% 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 Shiller PE Ratio mean?
A high Shiller PE Ratio can signal that a stock is expensive relative to its fundamentals. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on Tri County Financial Group and its competitors. For the Banks industry, the median Shiller PE Ratio is 13.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Tri County Financial Group's current Shiller PE Ratio is 16.30, which is 62% above median its own 10-year median of 10.08. 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 $55.50, compared to a current price of $82.50 — trading 48.6% above its estimated fair value. The current Shiller PE Ratio is 16.30, which is 62% above median its 10-year median of 10.08 and 16.5% above the Banks industry median of 13.99. 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 Shiller PE Ratio calculated?
Shiller PE Ratio is calculated from a company's financial statements. For Tri County Financial Group (TYFG), the current Shiller PE Ratio is 16.30 as of Aug. 19, 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 $82.50 is trading 48.6% above its estimated GF Value™ of $55.50.
GuruFocus considers Tri County Financial Group to be Significantly Overvalued.
Key valuation signals for TYFG:
Shiller PE Ratio: 16.30 (62% above median its 10-year median of 10.08)
GF Value™: $55.50 vs. price of $82.50 (48.6% above fair value)
Industry Position: 16.5% above the Banks median (#767 of 1240)
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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