Valuation, from the filing
| Public float | $97.60M | Market value of stock held by non-affiliates, as stated on the cover page for 2025-06-30 |
|---|---|---|
| Float per share | $41.06 | Float divided by shares outstanding in the same filing. A floor under the share price on that date, not the price itself. |
| Float / net income | 7.1× | A lower bound on the multiple, because affiliate holdings are excluded. |
| Float / revenue | 5.7× | A lower bound on the multiple, because affiliate holdings are excluded. |
| Float / equity | 0.6× | A lower bound on the multiple, because affiliate holdings are excluded. |
Every figure here is drawn from the 10-K cover page and the statements behind it, so each one traces to a filing. Public float counts only stock held by non-affiliates, which makes these floors rather than estimates: a high multiple is conclusive, a low one may mean cheap or may mean closely held. The float was measured on 2025-06-30, not today, and each multiple below it uses the figures for the fiscal year ending 2025-12-31 — the year that filing covered.
How this compares in its industry
Percentile among the State Commercial Banks filers on this site, highest value first. A high percentile means a large figure, which is good for a margin and not for leverage — the ranking says where the company sits, not whether that is where it should be.
| Measure | Reported | Percentile | |
|---|---|---|---|
| Effective tax rate | 26.0% | 88th | |
| SBC / revenue | 0.9% | 15th | |
| Revenue YoY growth | 10.2% | 75th | |
| Net margin | 79.3% | 42th |
Tri-County Financial Group, Inc. (TYFG) reported revenue of $17.23M and net income of $13.66M for the fiscal year ended 2025-12-31. This page shows 2 annual periods of income statement, balance sheet and cash flow figures normalized from Tri-County Financial Group, Inc.’s SEC filings, each linked to the filing it came from. It is classified by the SEC under State Commercial Banks.
Banks, brokers and insurers present a top line that is not comparable with an operating company’s revenue: it is reported net of interest expense, or as premiums earned, depending on the filer. The figures are the filer’s own and are traceable to the filing; the comparison across classes is what does not hold.
Income
| Metric | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Revenue | $17.23M | $15.63M |
| Cost of revenue | Unavailable | Unavailable |
| Gross profit | Unavailable | Unavailable |
| Operating income | Unavailable | Unavailable |
| Net income | $13.66M | $10.43M |
| Research & development | Unavailable | Unavailable |
| Weighted-average diluted shares | shares 2.41B | shares 2.44B |
| Pretax income | $18.47M | $13.86M |
| Income tax expense | $4.81M | $3.43M |
| Diluted EPS | $5.67 | $4.28 |
| Selling, general & administrative | Unavailable | Unavailable |
| General & administrative | Unavailable | Unavailable |
| Selling & marketing | Unavailable | Unavailable |
Balance
| Metric | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Cash & equivalents | $49.64M | $44.98M |
| Total assets | $1.60B | $1.54B |
| Current assets | Unavailable | Unavailable |
| Total liabilities | $1.44B | $1.40B |
| Current liabilities | Unavailable | Unavailable |
| Total equity incl. NCI | $157.77M | $143.19M |
| Temporary (mezzanine) equity | Unavailable | Unavailable |
| Inventory | Unavailable | Unavailable |
| Accounts receivable | Unavailable | Unavailable |
| Goodwill | Unavailable | $8.60M |
| Long-term debt | $141.00K | Unavailable |
| Accounts payable | Unavailable | Unavailable |
Cash flow
| Metric | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Operating cash flow | $10.63M | $13.50M |
| Capital expenditures | Unavailable | Unavailable |
| Investing cash flow | -$43.67M | $28.40M |
| Financing cash flow | $37.70M | -$24.94M |
| Net change in cash | Unavailable | Unavailable |
| Stock-based compensation | $160.00K | $161.00K |
| Common dividends paid | $2.39M | $2.18M |
| Common share repurchases | $1.15M | $1.92M |
| Depreciation & amortization | Unavailable | Unavailable |
Derived
| Metric | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Free cash flow | Unavailable | Unavailable |
| Gross margin | Unavailable | Unavailable |
| Operating margin | Unavailable | Unavailable |
| FCF margin | Unavailable | Unavailable |
| SBC / revenue | 0.9% | 1.0% |
| Current ratio | Unavailable | Unavailable |
| Revenue YoY growth | 10.2% | Unavailable |
| Net margin | 79.3% | 66.7% |
| R&D / revenue | Unavailable | Unavailable |
| CapEx / revenue | Unavailable | Unavailable |
| Long-term debt / equity | Unavailable | Unavailable |
| Effective tax rate | 26.0% | 24.7% |
Amounts are abbreviated; the exact reported value is carried in each cell. — means unavailable, not zero. Open TYFG in the interactive workspace to inspect any figure back to its filing.
Source filings
Every accounting identity this site checks — the balance sheet, the gross profit bridge and the cash flow statement — reconciles in every period shown.