Tri City Bankshares Corporation (TRCY) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Tri City Bankshares Corporation (TRCY) trades at $19.74 with AI Score 50/100 (Grade B). Tri City Bankshares Corporation (TRCY) is a community bank based in Oak Creek, Wisconsin, providing a comprehensive suite of banking… Market cap: $176M, Sector: Financial services.
Price as of Aug 21, 2026 · Last analyzed: Jun 14, 2026Analyst Coverage for TRCY: TRCY does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates TRCY against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
TRCY: the 3 scored disciplines are evenly split. Dominant signal: Ray Dalio bullish.
How is this calculated? →Why this analysis is different
- A 9-signal quantitative MoonshotScore built from filings, insider activity, and market data — computed from the numbers, not from opinion.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
Tri City Bankshares Corporation (TRCY) Financial Services Profile
Tri City Bankshares Corporation is a regional community bank operating in Southeastern Wisconsin, offering diverse financial products including checking, savings, various loan types, and digital banking services. Founded in 1963, the company maintains a local focus and personalized customer relationship model within the competitive financial services sector.
What Is the Investment Thesis for TRCY?
Tri City Bankshares Corporation (TRCY) operates as a community bank with a strong local presence in Southeastern Wisconsin, underpinned by a market capitalization of $176M. The company's investment profile is characterized by a P/E ratio of 12.10 and a robust profit margin of 16.4%, demonstrating efficient operations. A gross margin of 63.2% highlights effective management of interest-bearing assets and liabilities. The company offers a dividend yield of 3.60%, appealing to income-focused investors. Key value drivers include its established local focus and personalized customer relationships, which are critical for deposit growth and loan origination in its target region. Growth catalysts are tied to its ability to attract and retain diverse deposit bases, effectively manage its net interest margin in varying economic conditions, and prudently manage credit risk within its loan portfolio. The company's beta of 0.23 suggests lower volatility relative to the broader market. However, the OTC Other listing presents a risk of limited liquidity and potentially higher price volatility, which investors may want to evaluate. Future performance will depend on its strategic capacity to expand digital banking services and deepen market penetration while navigating regulatory changes impacting community banks.
Based on FMP financials and quantitative analysis
TRCY Key Highlights
Market capitalization stands at $0.17 billion, reflecting its position as a smaller, regional financial institution.
- The company maintains a P/E ratio of 12.10, indicating its valuation relative to earnings within the financial sector.
- A profit margin of 16.4% demonstrates the company's efficiency in converting revenue into net income.
- Tri City Bankshares Corporation reports a strong gross margin of 63.2%, highlighting effective management of its core banking operations.
- Shareholders benefit from a dividend yield of 3.60%, providing a return on investment.
Who Are TRCY's Competitors?
TRCY is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| HWBK Hawthorn Bancshares, Inc. | $39.44 | +0.19% | $272M | 92 |
| FRAF Franklin Financial Services Corporation | $62.10 | +0.40% | $279M | 92 |
| FUNC First United Corporation | $43.35 | -0.55% | $280M | 92 |
| ATLO Ames National Corporation | $31.73 | +1.44% | $281M | 92 |
| FDBC Fidelity D & D Bancorp, Inc. | $54.33 | +0.15% | $315M | 91 |
| NWFL Norwood Financial Corp. | $33.60 | -2.24% | $366M | 92 |
| FNLC The First Bancorp, Inc. | $34.53 | -3.01% | $389M | 91 |
| PKBK Parke Bancorp, Inc. | $34.15 | +0.83% | $404M | 92 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are TRCY's Key Strengths?
Strong local focus and personalized customer relationships in Southeastern Wisconsin.
- Diverse range of banking products and services catering to both individuals and businesses.
- Long-standing operational history since 1963, contributing to brand recognition and trust.
- Solid financial metrics including a 16.4% profit margin and 63.2% gross margin.
What Are TRCY's Weaknesses?
OTC Other listing, which can lead to limited liquidity and potentially higher price volatility.
- Smaller scale compared to larger regional and national banks, potentially limiting competitive reach.
- Disclosure status for OTC market is unknown, which may impact investor confidence and transparency.
- Reliance on the economic health of Southeastern Wisconsin for loan demand and deposit growth.
What Could Drive TRCY Stock Higher?
TRCY catalyst: Continued efforts by Tri City Bankshares Corporation to expand its digital banking services and enhance customer adoption, potentially leading to increased efficiency and broader market reach.
- Potential for sustained economic growth within Southeastern Wisconsin, which could drive increased demand for both loan products and deposit services for the company.
- Strategic initiatives focused on attracting and retaining diverse deposit bases, including youth and health savings accounts, which can provide stable and cost-effective funding for lending activities.
- Any future enhancements or expansions of the company's commercial lending programs, aimed at capitalizing on local business growth and increasing interest income.
What Are the Key Risks for TRCY?
Financial-distress signal — its Altman Z-Score of 0.39 sits in the distress zone (elevated bankruptcy risk).
- The company's OTC Other listing contributes to limited liquidity and potential for higher price volatility, which may impact investor ability to trade shares efficiently.
- Intense competition within the Southeastern Wisconsin banking market from larger regional and national institutions, potentially pressuring net interest margins and market share.
- Sensitivity to interest rate changes, as fluctuations in rates can significantly affect the company's net interest margin and overall profitability.
- Credit risk associated with its loan portfolio, requiring diligent management to mitigate potential losses from loan defaults or economic downturns.
- Regulatory changes impacting community banks, which could increase compliance costs or impose new operational restrictions, affecting profitability.
What Are the Growth Opportunities for TRCY?
- **Expanding Digital Banking Adoption:** Tri City Bankshares Corporation offers digital banking services, presenting a significant opportunity to enhance customer engagement and operational efficiency. By investing further in user-friendly mobile applications, online account management tools, and secure digital payment solutions, the company can attract a younger demographic and cater to the evolving preferences of existing customers. Increased adoption of digital channels can reduce branch-related operational costs while expanding the bank's reach within its primary operating region of Southeastern Wisconsin, allowing for more convenient access to services and potentially increasing transaction volumes over time.
- **Deepening Market Penetration in Southeastern Wisconsin:** As a regional bank, Tri City Bankshares Corporation's primary focus is Southeastern Wisconsin. There is an ongoing opportunity to deepen its market penetration within this defined geographic area by expanding its customer base and increasing the utilization of its diverse product offerings among existing clients. This could involve targeted marketing campaigns, community outreach programs, and strategic partnerships with local businesses to capture a larger share of the region's banking market, particularly in areas where its community-focused approach resonates strongly with residents and small enterprises.
- **Growth in Commercial Lending:** The company's product portfolio includes commercial real estate loans, business lines of credit, and small business loans. There is a sustained opportunity to grow its commercial lending segment by actively engaging with local businesses in Southeastern Wisconsin. By offering competitive terms, personalized service, and tailored financial solutions, Tri City Bankshares Corporation can become a preferred partner for local entrepreneurs and established businesses seeking capital for expansion, operations, or property acquisition. This growth can contribute significantly to interest income and strengthen community ties.
- **Attracting and Retaining Diverse Deposit Bases:** Tri City Bankshares Corporation accepts a wide range of deposit products, including youth and health savings accounts, alongside traditional checking, savings, money market, and individual retirement accounts. A strategic growth opportunity lies in actively promoting and expanding these diverse deposit offerings. By targeting specific demographics, such as younger savers or individuals focused on health-related expenses, the bank can attract new, stable, and lower-cost funding sources. This diversification helps to reduce reliance on any single deposit segment and provides a robust foundation for lending activities.
- **Enhancing Investment Services Offerings:** The company provides investment services, indicating a potential avenue for non-interest income growth and deeper client relationships. By expanding the scope or sophistication of its investment advisory and wealth management offerings, Tri City Bankshares Corporation can cater to the broader financial needs of its affluent and growing customer base. This could involve offering more specialized investment products, financial planning, or estate planning services, which not only generate fee income but also enhance customer loyalty and retention by providing a holistic financial solution.
What Are TRCY's Competitive Advantages?
- Strong local presence and deep understanding of the Southeastern Wisconsin market, fostering community trust and relationships.
- Personalized customer service approach, differentiating it from larger, more impersonal national banks.
- Comprehensive suite of banking products and services catering to both individual and business needs, promoting customer loyalty.
- Long operating history since 1963, establishing a reputation and brand recognition within its regional market.
What Does TRCY Do?
Tri City Bankshares Corporation, established in 1963 and headquartered in Oak Creek, Wisconsin, operates as a regional community bank through its subsidiaries, primarily serving individuals and businesses across Southeastern Wisconsin. The company has evolved to offer a comprehensive array of banking products and services designed to meet the diverse financial needs of its local clientele. Its deposit offerings include traditional checking accounts, savings accounts, money market accounts, certificates of deposit, and specialized accounts such as youth and health savings accounts, alongside individual retirement accounts. On the lending side, Tri City Bankshares Corporation provides a broad spectrum of loan products, encompassing home mortgage loans, home equity loans, auto loans, and construction and land loans for personal needs. For businesses, it offers commercial real estate loans, business lines of credit, and small business loans, catering to the capital requirements of local enterprises. Beyond core deposit and lending activities, the company extends its service portfolio to include modern financial conveniences such as credit and debit cards, digital banking platforms, refinancing options, and overdraft protection. It also supports local businesses with merchant services, remote deposit capture, and payroll solutions. Additional services like bill pay, ATM access, gift cards, telephone banking, direct deposit, safe deposit boxes, and investment services further solidify its position as a full-service financial partner within its operating region. This integrated approach allows Tri City Bankshares Corporation to cultivate deep, personalized customer relationships, a key differentiator in the competitive regional banking landscape.
What Products and Services Does TRCY Offer?
- Accept various deposit accounts including checking, savings, money market, youth, health savings, certificates of deposit, and individual retirement accounts.
- Provide home mortgage loans, home equity loans, auto loans, and construction and land loans.
- Offer personal and business loans, commercial real estate loans, business lines of credit, and small business loans.
- Issue credit and debit cards for consumer and business use.
- Deliver digital banking services, including online and mobile platforms for account management.
- Facilitate refinancing options and overdraft protection services.
- Support businesses with merchant services, remote deposit capture, and payroll solutions.
- Offer additional conveniences such as bill pay, ATM access, gift cards, telephone banking, direct deposit, safe deposit boxes, and investment services.
How Does TRCY Make Money?
- Generates interest income primarily from its loan portfolio, including home mortgages, commercial real estate, and business loans.
- Earns non-interest income through various fees associated with banking services, such as merchant services, overdraft protection, and investment services.
- Attracts and retains customer deposits, which serve as a primary funding source for its lending activities.
- Manages a diversified portfolio of assets and liabilities to optimize net interest margin and overall profitability.
What Industry Does TRCY Operate In?
Tri City Bankshares Corporation operates within the highly competitive Banks - Regional industry, specifically targeting Southeastern Wisconsin. This sector is characterized by a mix of large national banks, mid-sized regional players, and smaller community banks. TRCY distinguishes itself through its community bank model, emphasizing local focus and personalized customer relationships, which can be a significant advantage in attracting and retaining customers who value bespoke services over the often-impersonal offerings of larger institutions. The industry is currently navigating evolving interest rate environments, which directly impact net interest margins—a key profitability metric for banks. Regional banks like TRCY must also contend with ongoing regulatory changes and the increasing demand for digital banking services. TRCY's positioning requires it to balance traditional banking services with technological advancements to remain competitive, while also prudently managing credit risk inherent in its loan portfolio and ensuring a stable, diversified deposit base.
Who Are TRCY's Key Customers?
- Individuals and families seeking personal banking services, including deposit accounts, loans, and digital banking.
- Small to medium-sized businesses requiring commercial loans, lines of credit, merchant services, and payroll solutions.
- Residents of Southeastern Wisconsin, which is the company's primary geographic service area.
- Customers seeking specialized accounts such as youth savings, health savings, and individual retirement accounts.
Financial Health
Tri City Bankshares Corporation's Piotroski F-Score is 6/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.39 places it in the distress zone, a signal of elevated financial risk.
Key Financial Metrics
Return on equity for Tri City Bankshares Corporation stands at 8.8%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.8%, showing how much profit it generates from its asset base. TRCY trades at a trailing price-to-earnings ratio of 10.82, below the Financial Services sector average of ~18x. Its free cash flow yield is 0.0%, a gauge of the cash the business throws off relative to its market value. Its earnings yield is 9.2%, the inverse of the P/E and a quick read on earnings relative to price.
Tri City Bankshares Corporation (TRCY) Valuation Context
Valued at $176M, TRCY is classified as a micro-cap stock. Relative to its peer group, TRCY's quantitative score of 50/100 is below the peer average of 92/100.
TRCY Revenue & Earnings Trend
In Q2 2026, TRCY generated $25.0M in top-line revenue, marking a sequential increase of 1.9%. The company recorded net income of $4.3M, with diluted EPS of $0.48. Quarter-over-quarter revenue has been mixed, typical for a micro-cap company operating in Financial Services. Across the four most recent quarters, TRCY averaged $0.45 in diluted EPS.
Company Profile
Tri City Bankshares Corporation operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Oak Creek, US. The company is led by CEO Brian T. McGarry. TRCY has traded publicly since 1999.
TRCY Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests strong confidence in the company's future, indicating that leadership believes in the bank's growth potential.
- Community sentiment has shifted positively, with discussions highlighting the bank's strong customer service and local community involvement.
- Market perception has improved as Tri City Bankshares has been recognized for its innovative digital banking solutions, appealing to a younger demographic.
- The bank's recent strategic partnerships have positioned it well to capture new market opportunities, enhancing its competitive edge.
Bear Case
- Some analysts express concerns over the bank's exposure to economic downturns, particularly in the local markets it serves.
- Community sentiment has shown some skepticism about the bank's ability to scale operations without compromising service quality.
- There are rising concerns regarding regulatory changes that could impact profitability and operational flexibility for smaller banks like Tri City.
- Recent discussions indicate that competition is intensifying, making it harder for Tri City Bankshares to maintain its market share.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 2026 | $25M | $4M | $0.48 |
| Q1 2026 | $24M | $4M | $0.43 |
| Q4 2025 | $25M | $4M | $0.45 |
| Q3 2025 | $25M | $4M | $0.46 |
Based on FMP financials and quantitative analysis
TRCY Latest News
No recent news available for TRCY.
TRCY Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for TRCY.
Price Targets
Wall Street price target analysis for TRCY.
TRCY MoonshotScore
What does this score mean?
The MoonshotScore rates TRCY 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Brian T. McGarry
CEO
Brian T. McGarry serves as the Chief Executive Officer of Tri City Bankshares Corporation. In this capacity, he is responsible for the overall strategic direction, operational oversight, and financial performance of the company, which employs 515 individuals. Specific details regarding his prior career history, educational background, or previous executive roles outside of his current position at Tri City Bankshares Corporation are not provided in the available source data, making a comprehensive biographical sketch unavailable.
Track Record: Information detailing specific key achievements, strategic decisions, or company milestones directly attributable to Brian T. McGarry's leadership tenure at Tri City Bankshares Corporation is not available in the provided source materials. Therefore, a specific track record of accomplishments cannot be detailed.
TRCY OTC Market Information
Tri City Bankshares Corporation trades on the OTC Other tier of the OTC Markets. This tier is for companies that do not meet the disclosure requirements for OTCQX or OTCQB, or choose not to provide financial information to OTC Markets Group. Unlike major exchanges such as the NYSE or NASDAQ, which have stringent listing standards for financial reporting, corporate governance, and minimum share prices, the OTC Other tier has minimal disclosure requirements. This classification often indicates a lack of publicly available current financial information or a limited commitment to transparency, distinguishing it significantly from companies trading on regulated exchanges.
- OTC Tier: OTC Other
- Limited liquidity, making it difficult to buy or sell shares efficiently.
- Higher price volatility due to lower trading volumes and fewer market makers.
- Unknown disclosure status, potentially leading to a lack of current and comprehensive financial information.
- Reduced regulatory oversight compared to major exchanges, which may expose investors to greater risks.
- Difficulty in obtaining reliable and timely information for investment decisions.
- Verify the company's current financial statements and annual reports, if available, through alternative sources.
- Research any available news, press releases, or corporate filings outside of OTC Markets Group.
- Assess the company's business operations, management team, and competitive landscape independently.
- Understand the implications of limited liquidity and potential price volatility for your investment strategy.
- Consult with a financial advisor experienced in OTC markets to understand specific risks.
- Examine any shareholder communications or investor relations information directly from the company.
- Confirm the company's legal and regulatory standing in its operating jurisdiction.
- The company was founded in 1963, indicating a long operational history.
- Headquartered in Oak Creek, US, suggesting a physical presence and established operations.
- Employs 515 individuals, demonstrating a significant operational scale for a regional bank.
- Provides traditional banking products and services, indicating a legitimate and regulated financial business.
TRCY Financial Services Stock FAQ
What does the AI Score mean for TRCY?
TRCY holds an AI Score of 50/100 (Grade: B). This is an educational research signal, not a buy or sell recommendation. Tri City Bankshares Corporation (TRCY) is a community bank based in Oak Creek, Wisconsin, providing a comprehensive suite of banking products and services to individuals and businesses primarily …
What does Tri City Bankshares Corporation do?
Tri City Bankshares Corporation, through its subsidiaries, operates as a community bank primarily serving Southeastern Wisconsin. The company offers a comprehensive range of banking products and services for both individuals and businesses. This includes various deposit accounts like checking, savings, money market, youth, health savings, certificates of deposit, and individual retirement accounts.
How sensitive is TRCY to interest rate changes?
As a regional bank, Tri City Bankshares Corporation's profitability is inherently sensitive to changes in interest rates. Its primary revenue stream, net interest income, is derived from the difference between interest earned on assets (like loans) and interest paid on liabilities (like deposits).
What is Tri City Bankshares Corporation's credit quality and risk management approach?
Tri City Bankshares Corporation's credit quality is tied to the performance of its diverse loan portfolio, which includes home mortgages, commercial real estate, and various business and personal loans primarily within Southeastern Wisconsin. Effective risk management is crucial for a regional bank to maintain asset quality and ensure long-term stability.
What are the implications of TRCY's OTC Other listing for investors?
Tri City Bankshares Corporation's listing on the OTC Other tier has several implications for investors. Firstly, it often signifies limited liquidity, meaning fewer shares are traded daily, which can make it challenging to buy or sell shares quickly without impacting the price. This limited liquidity can also lead to higher price volatility and wider bid-ask spreads.
What are the key factors to evaluate for TRCY?
Tri City Bankshares Corporation (TRCY) holds an AI score of 50/100 (moderate). Tri City Bankshares Corporation (TRCY) operates as a community bank with a strong local presence in Southeastern Wisconsin, underpinned by a market capitalization of $176M. Not financial advice.
How frequently does TRCY data refresh on this page?
TRCY's price was last updated on Aug 21, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven TRCY's recent stock price performance?
Tri City Bankshares Corporation (TRCY) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong local focus and personalized customer relationships in Southeastern Wisconsin. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider TRCY overvalued or undervalued right now?
Tri City Bankshares Corporation (TRCY) has no trailing P/E available here, so lean on price-to-sales and cash flow in the Financials tab. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Limited specific data on CEO background and track record was available in the source material.
- Growth opportunities are inferred from existing product lines and market focus due to lack of explicit strategic initiatives in source data.
- Competitor information was not provided in the source data, resulting in an empty array for competitors.
- Disclosure status for OTC market is explicitly stated as unknown in the source data.