TriCo Bancshares TCBK R2K

Financial Services · Banks - Regional · United States

https://www.tcbk.com

TriCo Bancshares operates as a bank holding company for Tri Counties Bank that provides commercial and retail banking services to individual and corporate customers. The company accepts demand, savings, and time deposits; and offers checking, specialized, money market, education, health savings, certificate of deposit, and business and public funds savings accounts, as well as individual retirement accounts. It also offers small business loans; real estate mortgage loans, such as residential and commercial loans; consumer loans; mortgage, auto, and personal loans; commercial loans, including agricultural loans; motorcycle, RV, boat, and other vehicle loans; and real estate construction loans. In addition, the company provides treasury management services; credit and debit cards; other customary banking services comprising safe deposit boxes; and brokerage and wealth management services. Further, it offers equipment financing, digital banking, overdraft, and payment processing services. The company was founded in 1975 and is headquartered in Chico, California.

Market & Price

Market Cap

$1.63B

Current Price

$50.80

High / Low (52W)

$51.84 / $37.65

Beta

0.62

Valuation

Stock P/E

12.89

Industry PE

12.01

Forward P/E

11.70

PEG Ratio

1.94

Book Value

$41.49

Price to Book

1.22

P/S

3.93

EV/EBITDA

Dividend Yield

2.83%

Profitability & Returns

ROCE

ROE

9.99%

ROA

1.30%

Profit Margin

30.99%

Op Margin

43.72%

EPS (Latest Qtr)

$1.04

EPS (TTM)

$3.94

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$79.22M

Total Assets

$9.82B

Current Assets

Working Capital

Ownership

Promoter Holding

8.52%

Chg in Prom Hold

FII / Inst Holding

71.89%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$1.60B

Total Revenue (TTM)

$415.93M

EBITDA

Free Cash Flow

Operating Cash Flow

$142.48M

Shares Outstanding

31.91M

Gross Margin

0.00%

Payout Ratio

35.79%

Growth (CAGR)

Revenue 5Y

0.73%

Profit 5Y

-1.04%

Revenue (YoY)

10.70%

Earnings (YoY)

30.00%

PROS

Excellent profit margin of 31.0%.
Attractive dividend yield of 2.83%.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

Earnings shrank at -1.0% CAGR over 5 years.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	TCBK TriCo Bancshares R2K	50.80	12.89	$1.63B	2.83%	-	9.99%	0.73%	-1.04%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Dec 2015	Mar 2016	Jun 2016	Sep 2016	Dec 2016	Mar 2017	Jun 2017	Sep 2017	Dec 2017	Mar 2018	Jun 2018	Sep 2018	Dec 2018	Mar 2019	Jun 2019	Sep 2019	Dec 2019	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	-	-	-	9.74M	-	9.07M	10.13M	10.59M	-	9.13M	8.17M	10.47M	-	10.48M	10.93M	11.27M	-	11.70M	13.04M	12.68M	-	11.20M	12.97M	13.07M	12.64M	12.80M	12.78M	96.77M	101.77M	105.65M	107.16M	106.59M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	31.54M	29.84M	30.43M	27.92M	26.60M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	35.30M	37.81M	46.47M	46.58M	45.88M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	8.94M	10.27M	12.45M	12.94M	12.20M
Net Income	11.42M	10.67M	9.40M	12.20M	12.53M	12.08M	13.59M	11.90M	2.99M	13.91M	15.03M	16.17M	23.21M	22.73M	23.06M	23.39M	22.89M	16.12M	7.43M	17.61M	23.66M	33.65M	28.36M	27.42M	28.22M	20.37M	31.36M	37.34M	36.34M	35.83M	24.89M	30.59M	27.75M	29.03M	29.05M	26.36M	27.54M	34.02M	33.63M	33.69M
Diluted EPS	0.50	0.46	0.41	0.53	0.54	0.52	0.58	0.51	0.13	0.60	0.65	0.53	0.76	0.74	0.75	0.76	0.75	0.53	0.25	0.59	0.79	1.13	0.95	0.92	0.94	0.67	0.93	1.12	1.09	1.07	0.75	0.92	0.83	0.87	0.88	0.80	0.84	1.04	1.03	1.04

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	402.52M	411.13M	388.76M	411.34M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	9.53M	81.68M	135.20M	119.73M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	173.91M	160.91M	155.10M	166.16M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	48.49M	43.52M	40.24M	44.60M
Net Income	9.96M	6.00M	18.59M	18.99M	27.40M	26.11M	43.82M	44.81M	40.55M	68.32M	92.07M	64.81M	-	125.42M	117.39M	114.87M	121.56M
Diluted EPS	0.62	0.37	1.16	1.18	1.69	1.46	1.91	1.94	1.74	2.54	3.00	2.16	-	3.83	3.52	3.46	3.70

Compounded Sales Growth

5 Years:	0.73%
1 Year:	10.70%

Compounded Profit Growth

5 Years:	-1.04%
1 Year:	30.00%

Stock Price Performance

1 Year:	+31.34%
6 Months:	+5.58%
3 Months:	+7.12%
1 Month:	+1.40%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	-	2.19B	2.56B	2.61B	2.74B	3.92B	4.22B	4.52B	4.76B	6.35B	6.47B	7.64B	-	9.93B	9.91B	9.67B	9.82B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	86.36M	346.59M	371.07M	637.27M	748.90M	598.37M	610.73M	303.46M	305.61M	205.43M	227.53M	276.51M	669.55M	-	107.23M	98.70M	144.96M	157.01M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	-	31.86M	36.77M	34.81M	33.65M
Total Liabilities	-	-	1.99B	2.34B	2.38B	2.49B	3.50B	3.77B	4.04B	4.26B	5.53B	5.56B	6.71B	-	8.88B	8.75B	8.45B	8.49B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	365.64M	733.68M	190.80M	52.95M
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	394.65M	761.94M	216.24M	80.23M
Total Equity	197.93M	200.65M	200.40M	216.44M	229.36M	250.95M	418.17M	452.12M	477.35M	505.81M	827.37M	893.59M	925.11M	-	1.05B	1.16B	1.22B	1.33B
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	-	33.33M	33.27M	32.97M	32.33M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	25.94M	51.19M	31.66M	52.06M	41.09M	-	-	48.23M	55.38M	91.07M	102.81M	114.80M	-	162.90M	138.89M	109.71M	133.29M
Investing Cash Flow	118.25M	60.45M	153.36M	29.25M	-302.90M	-	-	-139.39M	-357.44M	-142.00M	-29.79M	-816.33M	-	-723.22M	28.57M	285.00M	-82.63M
Financing Cash Flow	116.05M	-87.16M	81.18M	30.32M	111.28M	-	-	93.32M	201.88M	73.04M	-24.04M	1.09B	-	-100.86M	-175.98M	-348.45M	-38.60M
Capital Expenditure	-2.63M	-3.16M	-3.35M	-10.79M	-8.31M	-4.67M	-5.49M	-10.93M	-15.16M	-7.37M	-4.29M	-2.81M	-	-3.62M	-4.89M	-4.56M	-5.36M
Free Cash Flow	23.31M	48.03M	28.31M	41.27M	32.77M	-	-	37.30M	40.22M	83.70M	98.51M	111.99M	-	159.27M	134.00M	105.15M	127.93M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-	-	-661.19M	-8.53M	46.26M	12.06M
Share Buybacks	-	338.00K	753.00K	-	501.00K	292.00K	412.00K	1.89M	1.63M	2.48M	2.20M	26.72M	4.34M	27.15M	9.24M	15.54M	32.05M

Ratios (Annual)

Figures in %.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	31.2%	28.6%	29.5%	29.6%
ROE %	5.0%	3.0%	8.6%	8.3%	10.9%	6.2%	9.7%	9.4%	8.0%	8.3%	10.3%	7.0%	-	12.0%	10.1%	9.4%	9.2%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

8.52%

Institutions

71.89%

Public Float

78.59%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	FMR, LLC	9.06%	2.89M	$146.82M
2	Blackrock Inc.	7.50%	2.39M	$121.54M
3	Dimensional Fund Advisors LP	5.32%	1.70M	$86.18M
4	Franklin Resources, Inc.	5.17%	1.65M	$83.81M
5	Vanguard Capital Management LLC	4.00%	1.28M	$64.80M
6	Davis Asset Management, L.P.	3.28%	1.05M	$53.18M
7	State Street Corporation	3.03%	966.58K	$49.10M
8	Geode Capital Management, LLC	2.51%	801.01K	$40.69M
9	Alliancebernstein L.P.	1.87%	597.21K	$30.34M
10	Vanguard Portfolio Management LLC	1.42%	454.56K	$23.09M

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TCBK · Financial Services