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Tri County Fin Financials

TYFG
Source SEC Filings (10-K/10-Q) Updated Mar 31, 2026 Currency USD FYE December

This page shows Tri County Fin (TYFG) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 2 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI TYFG FY2025

A leveraged balance-sheet business with thin asset returns turns small profitability shifts into much larger changes in shareholder returns.

From FY2024 to FY2025, ROA improved from 0.7% to 0.9% while equity was only $157.8M against $1.6B of assets, so a modest lift in asset profitability translated into a larger ROE step-up from 7.3% to 8.7%. That is the core mechanic: this company earns very little on each dollar of assets, but it earns it on a large, liability-funded balance sheet, so small efficiency gains matter disproportionately to equity holders.

The balance sheet became slightly less stretched: assets-to-equity eased from 10.7x to 10.1x. Rising retained earnings to $141.1M and cash to $49.6M means more of the asset base is being supported by internally accumulated capital and near-term liquidity.

Cash conversion weakened even as reported profit improved: operating cash flow fell to $10.6M from $13.5M. Even so, the company still funded $2.4M of dividends and $1.2M of buybacks, showing accounting earnings remained ample for distributions even if operating cash was less supportive.

Generated by Rhea from SEC filings [ NOT FINANCIAL ADVICE ]

Financial Health Signals

Profitability Growth Leverage Liquidity Cash Flow Returns 30 / 100
Financial Profile 30/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →

Health score ≠ stock price. This rates the quality of Tri County Fin's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Growth
50

Tri County Fin's revenue grew 10.2% year-over-year to $17.2M, a solid pace of expansion. This earns a growth score of 50/100.

Leverage
100

Tri County Fin carries a low D/E ratio of 0.00, meaning only $0.00 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 100/100, indicating a strong balance sheet with room for future borrowing.

Returns
29

Tri County Fin generates a 8.7% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 29/100. This is up from 7.3% the prior year.

Piotroski F-Score Neutral
5/9

Tri County Fin passes 5 of 9 financial strength tests. 3 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Mixed
0.78x

For every $1 of reported earnings, Tri County Fin generates $0.78 in operating cash flow ($10.6M OCF vs $13.7M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.

Key Financial Metrics

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Earnings & Revenue

Revenue
$17.2M
YoY+10.2%

Tri County Fin generated $17.2M in revenue in fiscal year 2025. This represents an increase of 10.2% from the prior year.

EBITDA
N/A
Net Income
$13.7M
YoY+31.0%

Tri County Fin reported $13.7M in net income in fiscal year 2025. This represents an increase of 31.0% from the prior year.

EPS (Diluted)
$5.67
YoY+32.5%

Tri County Fin earned $5.67 per diluted share (EPS) in fiscal year 2025. This represents an increase of 32.5% from the prior year.

Cash & Balance Sheet

Free Cash Flow
N/A
Cash & Debt
$49.6M
YoY+10.4%

Tri County Fin held $49.6M in cash against $141K in long-term debt as of fiscal year 2025.

Dividends Per Share
$1.00
YoY+17.6%

Tri County Fin paid $1.00 per share in dividends in fiscal year 2025. This represents an increase of 17.6% from the prior year.

Shares Outstanding
2M
YoY-0.8%

Tri County Fin had 2M shares outstanding in fiscal year 2025. This represents a decrease of 0.8% from the prior year.

Margins & Returns

Gross Margin
N/A
Operating Margin
N/A
Net Margin
79.3%
YoY+12.6pp

Tri County Fin's net profit margin was 79.3% in fiscal year 2025, showing the share of revenue converted to profit. This is up 12.6 percentage points from the prior year.

Return on Equity
8.7%
YoY+1.4pp

Tri County Fin's ROE was 8.7% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 1.4 percentage points from the prior year.

Capital Allocation

R&D Spending
N/A
Share Buybacks
$1.2M
YoY-39.9%

Tri County Fin spent $1.2M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 39.9% from the prior year.

Capital Expenditures
N/A

TYFG Income Statement

Metric Q1'26 Q4'25 Q3'25 Q2'25 Q1'25 Q4'24 Q3'24 Q2'24
Revenue $21.0M N/A $21.1M+4.9% $20.1M+3.0% $19.5M N/A $20.0M+3.1% $19.4M
Cost of Revenue N/A N/A N/A N/A N/A N/A N/A N/A
Gross Profit N/A N/A N/A N/A N/A N/A N/A N/A
R&D Expenses N/A N/A N/A N/A N/A N/A N/A N/A
SG&A Expenses $8.0M N/A $8.0M+1.2% $7.9M+4.7% $7.6M N/A $7.9M+4.3% $7.6M
Operating Income N/A N/A N/A N/A N/A N/A N/A N/A
Interest Expense $7.3M N/A $8.1M+3.3% $7.9M-0.4% $7.9M N/A $9.1M+4.0% $8.8M
Income Tax $1.6M N/A $1.3M+3.5% $1.3M+46.3% $879K N/A $1.1M+38.9% $779K
Net Income $4.5M N/A $3.7M+5.8% $3.5M+37.3% $2.6M N/A $3.1M+32.7% $2.3M
EPS (Diluted) $1.86 N/A $1.53+4.8% $1.46+37.7% $1.06 N/A $1.26+32.6% $0.95

TYFG Balance Sheet

Metric Q1'26 Q4'25 Q3'25 Q2'25 Q1'25 Q4'24 Q3'24 Q2'24
Total Assets $1.6B-0.9% $1.6B+0.5% $1.6B+1.5% $1.6B N/A $1.5B N/A N/A
Current Assets N/A N/A N/A N/A N/A N/A N/A N/A
Cash & Equivalents $50.0M+0.8% $49.6M-6.0% $52.8M+11.3% $47.4M+4.2% $45.5M+1.2% $45.0M-5.5% $47.6M+34.2% $35.5M
Inventory N/A N/A N/A N/A N/A N/A N/A N/A
Accounts Receivable N/A N/A N/A N/A N/A N/A N/A N/A
Goodwill $6.0M N/A $8.6M+99900.0% $9K N/A $8.6M N/A N/A
Total Liabilities $1.4B-1.3% $1.4B+0.3% $1.4B+1.4% $1.4B N/A $1.4B N/A N/A
Current Liabilities N/A N/A N/A N/A N/A N/A N/A N/A
Long-Term Debt N/A $141K N/A N/A N/A N/A N/A N/A
Total Equity $161.6M+2.5% $157.8M+2.5% $154.0M+3.3% $149.0M+2.0% $146.1M+2.0% $143.2M-0.7% $144.2M+3.5% $139.2M
Retained Earnings $144.9M+2.7% $141.1M+2.4% $137.8M+2.3% $134.7M N/A $129.8M N/A N/A

TYFG Cash Flow Statement

Metric Q1'26 Q4'25 Q3'25 Q2'25 Q1'25 Q4'24 Q3'24 Q2'24
Operating Cash Flow -$1.6M-122.8% $7.1M-41.0% $12.0M+428.1% -$3.6M+23.0% -$4.7M-136.1% $13.1M+754.2% $1.5M N/A
Capital Expenditures N/A N/A N/A N/A N/A N/A N/A N/A
Free Cash Flow N/A N/A N/A N/A N/A N/A N/A N/A
Investing Cash Flow $20.6M+247.8% -$13.9M+41.9% -$24.0M-36.0% -$17.6M-248.1% $11.9M+163.1% -$18.9M-248.7% $12.7M N/A
Financing Cash Flow -$18.6M-597.2% $3.7M-78.5% $17.4M-25.0% $23.2M+450.1% -$6.6M-312.4% $3.1M+247.0% -$2.1M N/A
Dividends Paid $594K0.0% $594K-61.2% $1.5M+555.4% -$336K-156.1% $599K+24.8% $480K-59.1% $1.2M N/A
Share Buybacks $0-100.0% $241K N/A N/A $263K-44.6% $475K N/A N/A

TYFG Financial Ratios

Metric Q1'26 Q4'25 Q3'25 Q2'25 Q1'25 Q4'24 Q3'24 Q2'24
Gross Margin N/A N/A N/A N/A N/A N/A N/A N/A
Operating Margin N/A N/A N/A N/A N/A N/A N/A N/A
Net Margin 21.3% N/A 17.6%+0.2pp 17.4%+4.4pp 13.1% N/A 15.3%+3.4pp 11.9%
Return on Equity 2.8% N/A 2.4%+0.1pp 2.4%+0.6pp 1.8% N/A 2.1%+0.5pp 1.7%
Return on Assets 0.3% N/A 0.2%0.0pp 0.2% N/A N/A N/A N/A
Current Ratio N/A N/A N/A N/A N/A N/A N/A N/A
Debt-to-Equity 8.78+8.8 0.00-9.3 9.31-0.2 9.49 N/A 9.75 N/A N/A
FCF Margin N/A N/A N/A N/A N/A N/A N/A N/A

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Frequently Asked Questions

Tri County Fin (TYFG) reported $17.2M in total revenue for fiscal year 2025. This represents a 10.2% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

Tri County Fin (TYFG) revenue grew by 10.2% year-over-year, from $15.6M to $17.2M in fiscal year 2025.

Yes, Tri County Fin (TYFG) reported a net income of $13.7M in fiscal year 2025, with a net profit margin of 79.3%.

Tri County Fin (TYFG) reported diluted earnings per share of $5.67 for fiscal year 2025. This represents a 32.5% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

As of fiscal year 2025, Tri County Fin (TYFG) had $49.6M in cash and equivalents against $141K in long-term debt.

Tri County Fin (TYFG) had a net profit margin of 79.3% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Yes, Tri County Fin (TYFG) paid $1.00 per share in dividends during fiscal year 2025.

Tri County Fin (TYFG) has a return on equity of 8.7% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

Tri County Fin (TYFG) generated $10.6M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

Tri County Fin (TYFG) had $1.6B in total assets as of fiscal year 2025, including both current and long-term assets.

Yes, Tri County Fin (TYFG) spent $1.2M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

Tri County Fin (TYFG) had 2M shares outstanding as of fiscal year 2025.

Tri County Fin (TYFG) had a debt-to-equity ratio of 0.00 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

Tri County Fin (TYFG) had a return on assets of 0.9% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

Tri County Fin (TYFG) has a Piotroski F-Score of 5 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Tri County Fin (TYFG) has an earnings quality ratio of 0.78x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

Tri County Fin (TYFG) scores 30 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.

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