TYFG (Tri County Financial Group) Scaled Net Operating Assets: 0.06 (As of Mar. 2026)


TYFG Tri County Financial Group Inc TYFG
60 GF Score
Price $63.23
GF Value $54.60
Valuation Modestly Overvalued
! 5 Warning Signs
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What is Tri County Financial Group Scaled Net Operating Assets?

Tri County Financial Group TYFG 60 Scaled Net Operating Assets is 0.06 as of Mar. 2026. 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Tri County Financial Group's operating assets for the quarter that ended in Mar. 2026 was $1,449.73 Mil. Tri County Financial Group's operating liabilities for the quarter that ended in Mar. 2026 was $1,354.17 Mil. Tri County Financial Group's Total Assets for the quarter that ended in Dec. 2025 was $1,595.72 Mil. Therefore, Tri County Financial Group's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.06.

TYFG
60GF Score
Tri County Financial Group Inc TYFG
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Tri County Financial Group Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Tri County Financial Group's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(1549.528-1350.174)/1539.284
=0.13

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1595.721 - 46.193
=1549.528

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=1437.95 - 87.776 - 0
=1350.174

Tri County Financial Group's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(1449.732-1354.165)/1595.721
=0.06

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1581.588 - 131.856
=1449.732

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=1419.947 - 65.782 - 0
=1354.165

* 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 Scaled Net Operating Assets of 0.06 mean?
Tri County Financial Group (TYFG) has a Scaled Net Operating Assets of 0.06 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Tri County Financial Group and its competitors.
Is Tri County Financial Group's Scaled Net Operating Assets too high?
Tri County Financial Group's current Scaled Net Operating Assets is 0.06. 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 Scaled Net Operating Assets compare to INBC and PRMY?
Tri County Financial Group's Scaled Net Operating Assets of 0.06 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Tri County Financial Group and its competitors. Tri County Financial Group's current Scaled Net Operating Assets is 0.06. 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 Scaled Net Operating Assets is 0.06. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Tri County Financial Group (TYFG), the current Scaled Net Operating Assets is 0.06 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:

  • Scaled Net Operating Assets: 0.06
  • GF Value™: $54.60 vs. price of $63.23 (15.8% above fair value)
  • GF Score™: 60/100 with 5 warning signs

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 Business Description

Address 706 Washington Street, Mendota, IL, USA, 61342
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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$63.23
Price
$54.60
GF Value