Stock fact sheet · data as of
Tri-County Financial Group, Inc. (TYFG): fair value, margin of safety and Wheel Score
Ticker symbol TYFG · Financial Services · Banks - Regional · United States · Value
Is TYFG undervalued?
At 84.00 (close of 5 Nov 2026), TYFG trades within a few percent of the GLS average fair value of 91.66 (8.4% below fair value). 9 models produced a value and they split 4 above the price to 5 below. A stock priced at fair value earns about half of the Wheel Score's Value points; the rest of the score comes from health, moat, premium and stability.
The 9 models disagree widely: GLS Growth gives 4.46 while 10 Cap gives 246.16. A spread that wide means the average is sensitive to which methods you trust; the model table below shows where each one lands, and the Quote page lets you switch any of them off.
Ranked against every other company we cover, TYFG is clearly cheaper than it is fast-growing, so the nightly engine files it under Value (value score 57, growth score 24, out of 100).
Nine valuation models for TYFG
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 63.95 | -24% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 100.96 | +20% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 120.26 | +43% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 33.63 | -60% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 4.46 | -95% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 246.16 | +193% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 166.68 | +98% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 16.04 | -81% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 72.84 | -13% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -504.93 | -701% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
On financial health TYFG scores 8/9 (Piotroski): most of the nine tests - positive earnings and cash flow, falling debt, rising margins and turnover - are passed, which is the kind of balance sheet a wheel trader is happy to be assigned. The GLS Moat score is 5.2 out of 10: a record that is solid on some of the four parts the score weighs (returns on capital, pricing power, lasting growth, balance sheet) and weaker on others.
Returns on capital are moderate - ROIC 5.1%, ROE 8.7%, ROA 0.9% - with debt at 0.70 times equity and a free-cash-flow yield of 11.6%.
The dividend yield is 1.30% with a payout ratio of 16% - a small yield that leaves most of the earnings in the business. Revenue comes mainly from Mortgage Banking 62%, Non Interest Income Other 18%, Financial Service, Other 12% (quarter Q1 FY2026).
Institutional ownership scores 5/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 8 / 9 | ROIC | 5.1% |
|---|---|---|---|
| GLS Moat | 5.2 / 10 | ROE | 8.7% |
| Debt / equity | 0.70 | ROA | 0.9% |
| Free-cash-flow yield | 11.6% | Payout ratio | 16% |
| Institutions | 5 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 25: No options
TYFG has no listed options in the nightly snapshot, so there is nothing to sell and the stock cannot be wheeled however good the business. It fails the first Wheel Trade Filter (options that actually trade), so the score stays under 70 and is shown as "No options" (25 here). The valuation and quality numbers still apply to owning the shares outright.
Volume runs at 3k shares a day on a market cap of $205M, with a beta of 0.12 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score rates that fair.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Fails | no listed options |
| 2 | A real business, not a gamble | Passes | Profitable over the last twelve months - not a speculative stock, fund or note |
| 3 | Below fair value | Passes | Trading below the nine-model average fair value (margin of safety above 0) |
| 4 | Financially healthy | Passes | Piotroski F-score 6 or more out of 9 (a company with no score on file passes) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Passes | Red Flags score 60 or more out of 100 (earnings, margins, debt, analysts, filings and price checked the same way for every stock) |
| 7 | A premium worth selling | Fails | no implied volatility |
| 8 | Big enough | Fails | market cap $205M (under $1.0B) |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Weak | 8% below fair value | |
| Premium | Weak | no option data | |
| Moat | Fair | moat 5.2/10 | |
| Health | Strong | Piotroski 8/9 | |
| Red Flags | Fair | not scored yet - half marks | |
| Option trading | Weak | no option volume data | |
| Stability | Fair | beta 0.12, $205M company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for TYFG in the nightly calendar.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to Tri-County Financial Group, Inc. by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| MRBK Meridian Corporation | 17.12 | 38.18 | +55% | 30No options | $204M |
| RBKB Rhinebeck Bancorp, Inc. | 13.03 | 12.40 | -5% | 17No options | $204M |
| SBKO Summit Bank Group, Inc. | 25.75 | 51.16 | +50% | 34No options | $201M |
| ECBK ECB Bancorp, Inc. | 22.97 | 57.81 | +60% | 35No options | $201M |
| CSBB CSB Bancorp, Inc. | 76.36 | 81.05 | +6% | 25No options | $201M |
| PSBQ PSB Holdings, Inc. | 52.00 | 50.10 | -4% | 21No options | $209M |
| CBFV CB Financial Services, Inc. | 41.20 | 40.65 | -1% | 18No options | $209M |
| LARK Landmark Bancorp, Inc. | 32.39 | 46.50 | +30% | 34No options | $198M |
| SOME Somerset Trust Holding Company | 84.28 | 140.29 | +40% | 33No options | $213M |
| CBTN Citizens Bancorp Investment, Inc. | 36.00 | 60.37 | +40% | 34No options | $213M |
| KISB Kish Bancorp, Inc. | 70.75 | 116.84 | +39% | 33No options | $214M |
| HONT Honat Bancorp, Inc. | 150.00 | 220.02 | +32% | 37No options | $215M |
⚖ Compare TYFG with 7 of them All Financial Services stocks →
Scan the whole market the same way
A free GLS Equity account gets you nightly fair value and the Wheel Score on ~7,400 US stocks, a watchlist, the scanner preview and the Sunday Scan - the top 10 stocks that pass all 9 Wheel Trade Filters, emailed every week. Pro adds the full put and call scanners, unlimited watchlists with alerts and the trade journal.
Start free See the Sunday ScanQuestions about TYFG
Is TYFG undervalued right now?
Not meaningfully: at 84.00 the stock trades within a few percent of the GLS average fair value of 91.66 (8.4% below fair value, data as of 5 Nov 2026).
What is the Wheel Score of TYFG and what does it mean?
TYFG has no listed options in our nightly snapshot, so it cannot be wheeled; it fails the first Wheel Trade Filter (options that actually trade), stays under 70 and is shown as "No options".
What is the GLS fair value for TYFG?
91.66 per share as of 5 Nov 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Tri-County Financial Group, Inc. report earnings next?
No upcoming earnings date is recorded for TYFG in our calendar as of 5 Nov 2026; the Calendars page is refreshed every morning.
Does TYFG have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on TYFG, so the wheel strategy cannot be run on it and the Wheel Score stays under 70.