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The Company Tri-County Financial Group, Inc. (the Company ) is a bank holding company that was incorporated under the laws of the State of Delaware in 1986. The Company conducts a majority of its business through its wholly owned subsidiary, First State Bank (the Bank ).
$65.56
+$0.00 (+0.00%)
EOD Jul 17, 2026
79.28% net margin is above average for a financial institution, suggesting strong underwriting or fee income alongside controlled credit costs.
Revenue grew 10.2% YoY.
Financial stocks carry unique risks (credit cycles, regulatory changes, interest rate sensitivity) that aren't captured by standard quality metrics.
10.1x earnings. In line with financial-sector norms. The question is whether the current credit environment supports sustained earnings at this level.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (FY)
$17M
▲ +10.2% YoY
Net Income (TTM)
$16M
▲ +31.0% YoY
Net Margin
—
P/E
10.1x
Balance Sheet
Total Assets
$1.58B
Equity
$162M
Total Debt
$0.00
Cash & Equiv.
$50M
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At a P/E of 10.1, Tri-County Financial Group (TYFG)'s valuation is best read against its own history, its peers, and the growth its price implies. A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, Tri-County Financial Group scores 82/100 on Intrinsiqq's quality scorecard, weighing growth, margins, returns on capital, share count, and balance-sheet strength. All figures are computed from SEC filings; read the full . This is analysis, not investment advice.
Tri-County Financial Group scores 82 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a high-quality business on these measures. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
That depends on valuation and quality together, not either alone. you should weigh TYFG's valuation and scores 82/100 on quality (high-quality). A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.