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Tri-County Financial Group, Inc. operates as a bank holding company for First State Bank that provides various banking products and services to individuals and businesses in the United States. The company accepts demand deposits and certificates of deposit; and offers personal and business checking and savings accounts. It also provides home mortgage, home equity lines of credit, auto, personal, commercial real estate, business term, agriculture, and farm machinery loans, as well as installment loans and secondary market mortgage services. In addition, the company offers personal and business credit cards; business services, including online and mobile treasury management, ACH and check positive pay, merchant cards, remote deposit capture, and FSBpaynow; and various mortgage banking, insurance, and other investment services. It serves customers through its facility in Mendota; branches in Peru, LaMoille, McNabb, Streator, Ottawa, Earlville, Bloomington, Oakbrook Terrace, St. Charles, Geneva, Batavia, North Aurora, Shabbona, Waterman, Sycamore, Rochelle, Princeton, and West Brooklyn, Illinois; and mortgage banking offices in Illinois and Wisconsin. Tri-County Financial Group, Inc. was incorporated in 1986 and is based in Mendota, Illinois.
Source: TradingView
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
Tri-County Financial Group Inc is an OTCQX-listed firm that, based on limited public information, appears to operate as a regional financial services company or bank holding entity. Long-term drivers may include local economic growth, net interest margin expansion, deposit growth and diversification into fee income, which could support steady earnings for investors seeking exposure to small regional lenders.
Key risks are limited disclosure and thin trading, regional credit and interest-rate sensitivity, regulatory and execution risk typical of small banks, and potential portfolio concentration that investors should monitor.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
| Income before tax | 16.45M | 17.92M | 27.55M | 11.82M | 8.97M |
| Net income | 12.24M | 13.22M | 20.14M | 8.87M | 6.84M |
| Selling general administrative | 31.61M | 27.44M | 27.03M | 22.89M | 22.79M |
| Reconciled depreciation | 1.71M | 1.76M | 1.60M | 1.36M | 1.37M |
| Other operating expenses | - | - | 41.95M | 36.47M | - |
| Interest expense | 8.20M | 6.46M | 11.50M | 14.55M | 10.92M |
| Tax provision | 4.21M | 4.70M | 7.41M | 2.94M | 2.13M |
| Interest income | 52.33M | 49.29M | 50.27M | 48.03M | 43.57M |
| Net interest income | 44.13M | 42.83M | 38.77M | 33.48M | 32.65M |
| Income tax expense | - | - | 7.41M | 2.94M | - |
| Total revenue | 59.58M | 63.69M | 74.98M | 50.22M | 46.96M |
| Net income from continuing ops | 12.24M | 13.22M | 20.14M | 8.87M | 6.84M |
| Net income applicable to common shares | - | - | 20.14M | 8.87M | - |
| Breakdown | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
| Total assets | 1542.83M | 1403.65M | 1327.84M | 1143.78M | 1124.86M |
| Intangible assets | 0.16M | 0.22M | 0.29M | - | - |
| Other current assets | - | - | 5.15M | 6.05M | - |
| Total liab | 1409.74M | 1267.01M | 1200.85M | 1036.27M | 1027.80M |
| Total stockholder equity | 133.08M | 136.64M | 127.00M | 107.51M | 97.06M |
| Other current liab | - | - | 0.75M | 0.38M | - |
| Common stock | - | - | 2.48M | 2.46M | - |
| Capital stock | 2.49M | 2.48M | 2.48M | 2.46M | 2.45M |
| Retained earnings | 116.66M | 106.66M | 95.30M | 77.01M | 69.61M |
| Good will | 8.60M | 8.60M | 8.14M | - | - |
| Other assets | - | - | 1074.28M | 984.62M | - |
| Cash | 35.01M | 172.80M | 84.05M | 14.23M | 38.49M |
| Total current liabilities | - | - | 1181.15M | 999.62M | - |
| Net debt | 194.78M | - | - | 22.41M | 60.10M |
| Other stockholder equity | - | - | 29.22M | 28.04M | - |
| Property plant equipment | - | - | 27.93M | 25.10M | - |
| Total current assets | - | - | 117.78M | 25.43M | - |
| Long term investments | 221.58M | 136.72M | 99.44M | 101.72M | 105.86M |
| Net tangible assets | - | - | 118.57M | 100.59M | - |
| Short term investments | 221.58M | 136.72M | 99.44M | 101.72M | 105.86M |
| Net receivables | 5.95M | 4.67M | 5.15M | 6.05M | 5.80M |
| Long term debt | 229.78M | 14.76M | 19.70M | 36.65M | 98.59M |
| Inventory | - | - | 2.65M | 2.73M | - |
| Accounts payable | 17.04M | 17.39M | 1138.05M | 970.26M | 12.64M |
| Breakdown | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
| Investments | -314.83M | -49.19M | 5.82M | -40.05M | -79.72M |
| Change to liabilities | - | - | 0.00M | 0.00M | - |
| Total cash from financing activities | 140.66M | 67.56M | 105.97M | 3.57M | 53.05M |
| Net income | 12.24M | 13.22M | 20.14M | 8.87M | 6.84M |
| Change in cash | -149.09M | 75.92M | 93.33M | -26.77M | -10.62M |
| Begin period cash flow | 185.90M | 109.98M | 16.65M | 43.42M | 54.04M |
| End period cash flow | 36.81M | 185.90M | 109.98M | 16.65M | 43.42M |
| Total cash from operating activities | 25.07M | 57.55M | -18.47M | 9.71M | 16.05M |
| Issuance of capital stock | - | - | - | 0.00M | 15.49M |
| Depreciation | 1.71M | 1.76M | 1.60M | 1.36M | 1.37M |
| Dividends paid | -2.23M | -1.86M | 1.48M | 1.47M | 1.46M |
| Change to account receivables | -1.28M | 0.47M | 0.90M | -0.25M | -0.57M |
| Sale purchase of stock | -1.45M | -1.04M | -0.53M | 0.00M | -15.49M |
| Capital expenditures | 2.29M | 0.81M | 4.23M | 1.54M | 1.72M |
| Change in working capital | 0.81M | 41.18M | -45.00M | -2.26M | 5.91M |
| Stock based compensation | 0.09M | 0.18M | 0.10M | 0.17M | - |
| Other non cash items | 23.56M | -0.25M | -1.87M | 0.04M | 0.09M |
| Free cash flow | 22.79M | 56.74M | -22.70M | 8.17M | 14.33M |
Sector: Financial Services Industry: Banks - Regional
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
|---|---|---|---|---|---|---|
| TYFG Tri-County Financial Group Inc |
0.64 0.78% |
83.15 | 9.17 | - | 1.79 | 0.82 |
| DBSDY DBS Group Holdings Ltd ADR |
-2.95 1.31% |
221.60 | 20.00 | 17.57 | 7.54 | 3.17 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% |
6.66 | 7.70 | 7.10 | 0.55 | 0.83 |
| CIHKY China Merchants Bank Co Ltd |
-0.72 2.15% |
33.05 | 7.79 | 7.20 | 0.55 | 0.85 |
| UNCFF UniCredit SpA |
1.29 1.58% |
82.76 | 11.53 | 10.27 | 5.72 | 1.83 |
Tri-County Financial Group, Inc. operates as a bank holding company for First State Bank that provides various banking products and services to individuals and businesses in the United States. The company accepts demand deposits and certificates of deposit; and offers personal and business checking and savings accounts. It also provides home mortgage, home equity lines of credit, auto, personal, commercial real estate, business term, agriculture, and farm machinery loans, as well as installment loans and secondary market mortgage services. In addition, the company offers personal and business credit cards; business services, including online and mobile treasury management, ACH and check positive pay, merchant cards, remote deposit capture, and FSBpaynow; and various mortgage banking, insurance, and other investment services. It serves customers through its facility in Mendota; branches in Peru, LaMoille, McNabb, Streator, Ottawa, Earlville, Bloomington, Oakbrook Terrace, St. Charles, Geneva, Batavia, North Aurora, Shabbona, Waterman, Sycamore, Rochelle, Princeton, and West Brooklyn, Illinois; and mortgage banking offices in Illinois and Wisconsin. Tri-County Financial Group, Inc. was incorporated in 1986 and is based in Mendota, Illinois.
706 Washington Street, Mendota, IL, United States, 61342
815 538 2265
| Name | Title | Year Born |
|---|---|---|
| Mr. Timothy J. McConville | Pres, CEO, Head of Investor Relations & Director | NA |
| Lana Eddy | Chief Financial Officer | NA |
| Jan Phalen | Chief Marketing Officer | NA |
| Tracy Grimmer | Community Pres of Princeton | NA |
| Mr. Connie L. Ganz | Sec. | NA |
| William Davey | Pres of North Operations - First State Bank | NA |
| Mr. Brent R. Ohlinger | Community Pres of Rochelle- First State Bank | NA |
| Mr. Robert Suarez | Community Pres of Peru - First State Bank | NA |
| Cory Biers | Sr. VP of Loans - First State Bank | NA |
Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.
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Basic Materials
-0.39%
Communication Services
+0.40%
Consumer Cyclical
-0.20%
Consumer Defensive
-0.56%
Energy
-0.45%
Financial Services
-0.09%
Financials
+0.11%
Healthcare
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Industrials
+0.34%
Real Estate
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Technology
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Utilities
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Note: Daily price change (%) by sector excluding stocks with +/-90% daily price change. Companies above $500 million market capitalization are considered.
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