Tri-County Financial Group, Inc. (TYFG) intrinsic value & 10-year financials

Tri-County Financial Group, Inc. (TYFG) has a Graham intrinsic value of $141.86 per share. At $80.00 on Oct 17, 2026, the stock trades 44% below that value. Over the last 3 fiscal years revenue grew 10.2% a year to $17.2M, with an average return on invested capital of 10.0%.

Graham intrinsic value
$141.86
Share price (Oct 17, 2026)
$80.00
Price vs Graham value
44% below
Market cap
$192.8B
Revenue (FY2025)
$17.2M
Revenue growth (3-yr CAGR)
10.2%
ROIC (10-yr avg)
10.0%
Free cash flow (FY2025)
—

TYFG 10-year financial history

Fiscal year Revenue Net income EPS (diluted) Free cash flow Operating margin ROIC
FY2025 $17.2M $13.7M $5.67 — — 12.6%
FY2024 $15.6M $10.4M $4.28 — — 7.5%
FY2023 — — — — — —

Source: annual 10-K filings on SEC EDGAR. Figures in USD.

Executive summary

Tri-County Financial Group, Inc. revenue growth over the past decade is N/A; insufficient history prevents a reliable 10-year CAGR calculation.

Tri-County Financial Group, Inc. returns on capital have been average, hovering around 10.0% ROIC over the decade.

Tri-County Financial Group, Inc. capital allocation metrics are N/A for the decade; share count and net debt history are incomplete.

Benjamin Graham lens

Under Benjamin Graham's formula using SEC EDGAR fundamentals, Tri-County Financial Group, Inc. is modeled at 10.2% normalized earnings growth with a 5.1% bond-yield adjustment. The resulting Graham intrinsic value estimate is $141.86 per share.

TYFG stock: frequently asked questions

What is the intrinsic value of Tri-County Financial Group, Inc. (TYFG) stock?

Using Benjamin Graham's revised formula, V = EPS × (8.5 + 2g) × 4.4 / Y, with reported diluted earnings per share, a 10.2% normalized growth rate (capped at 15%) and a 5.1% AAA corporate bond yield, TYFG's intrinsic value is about $141.86 per share.

Is TYFG stock undervalued?

At $80.00 (close on Oct 17, 2026), TYFG trades 44% below its Graham value of $141.86. On Graham's terms that leaves a margin of safety. A formula is a starting point for research, not a recommendation.

What is TYFG's return on invested capital?

Average ROIC over the last 3 fiscal years was 10.0%, and average return on equity was 8.3%. Sustained ROIC above about 15% usually points to a durable competitive advantage.

Where does this TYFG data come from?

From Tri-County Financial Group, Inc.'s annual 10-K filings on SEC EDGAR, most recently filed May 13, 2026. Prices are end-of-day snapshots; valuations are formula outputs, not investment advice.

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