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Trico Bancshares
(NASDAQ:TCBK)
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Rating:73Outperform
Price Target:
$64.00
▲(10.12% Upside)
Action:Reiterated
Date:08/08/26
The score is driven primarily by solid financial performance—especially the strengthened balance sheet and improving recent profitability—supported by reasonable valuation and positive corporate developments (strong preliminary quarter and announced acquisition). Offsetting this is only moderate technical positioning, with near-term weakness despite a longer-term uptrend.
Positive Factors
Balance Sheet Strength
Material deleveraging has produced a very low debt-to-equity posture and larger equity base, supporting resilience to credit shocks and regulatory stress. Stable ~9%–10% ROE with stronger capital provides durable capacity to absorb losses and pursue disciplined growth.
Negative Factors
Margin Compression vs 2021–22
Net margins remain below 2021–2022 peaks, indicating reduced earnings power versus prior cycle. If margin recovery proves elusive, sustained profitability will rely on continued loan mix improvement or noninterest income gains, making earnings more sensitive to funding and loan yield dynamics.
Read all positive and negative factors
Positive Factors
Negative Factors
Balance Sheet Strength
Material deleveraging has produced a very low debt-to-equity posture and larger equity base, supporting resilience to credit shocks and regulatory stress. Stable ~9%–10% ROE with stronger capital provides durable capacity to absorb losses and pursue disciplined growth.
Read all positive factors
Trico Bancshares (TCBK) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$1.78B
Dividend Yield2.59%
Average Volume (3M)89.85K
Price to Earnings (P/E)13.2
Beta (1Y)0.80
Revenue Growth3.50%
EPS Growth23.44%
CountryUS
Employees1,114
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)4.21
Shares Outstanding31,966,630
10 Day Avg. Volume83,112
30 Day Avg. Volume89,849
Financial Highlights & Ratios
PEG Ratio1.77
Price to Book (P/B)1.16
Price to Sales (P/S)2.88
P/FCF Ratio12.01
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$65.01Price Target Upside11.86% Upside
Rating ConsensusHold
Number of Analyst Covering5
EPS Forecast (FY)4.26
Revenue Forecast (FY)$450.39M
Trico Bancshares Business Overview & Revenue Model
Company Description
TriCo Bancshares functions as the parent company for Tri Counties Bank, delivering a full spectrum of commercial banking services to both individual clients and corporate entities. The institution accommodates various deposit types, including chec...
How the Company Makes Money
Trico Bancshares makes money primarily through its banking subsidiary by (1) earning net interest income and (2) generating noninterest income. Net interest income is the largest core driver for most traditional banks and comes from the spread bet...
Trico Bancshares Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
85
Very Positive
Cash Flow
72
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 545.80M | 533.31M | 523.97M | 492.81M | 412.05M | 334.90M |
| Gross Profit | 426.85M | 404.52M | 382.13M | 387.14M | 384.05M | 336.17M |
| EBITDA | 198.44M | 182.80M | 171.17M | 179.75M | 192.29M | 180.98M |
| Net Income | 135.51M | 121.56M | 114.87M | 117.39M | 125.42M | 117.66M |
Balance Sheet | ||||||
| Total Assets | 9.93B | 9.82B | 9.67B | 9.91B | 9.93B | 8.61B |
| Cash, Cash Equivalents and Short-Term Investments | 105.22M | 157.01M | 152.79M | 2.25B | 2.56B | 2.98B |
| Total Debt | 77.06M | 80.23M | 216.24M | 794.52M | 442.55M | 184.53M |
| Total Liabilities | 8.59B | 8.49B | 8.45B | 8.75B | 8.88B | 7.61B |
| Stockholders Equity | 1.34B | 1.33B | 1.22B | 1.16B | 1.05B | 1.00B |
Cash Flow | ||||||
| Free Cash Flow | 135.74M | 127.93M | 105.15M | 134.00M | 159.27M | 129.01M |
| Operating Cash Flow | 138.38M | 133.29M | 109.71M | 138.89M | 162.90M | 132.21M |
| Investing Cash Flow | -190.38M | -82.63M | 285.00M | 28.57M | -723.22M | -883.81M |
| Financing Cash Flow | -157.05M | -38.60M | -348.45M | -175.98M | -100.86M | 850.47M |
Trico Bancshares Risk Analysis
Trico Bancshares disclosed 53 risk factors in its most recent earnings report. Trico Bancshares reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Trico Bancshares Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
81 Outperform | $1.86B | 13.18 | 12.17% | 2.48% | 21.78% | 43.92% | |
76 Outperform | $1.77B | 13.46 | 9.74% | 2.74% | 2.44% | 10.69% | |
73 Outperform | $1.78B | 13.23 | 10.23% | 2.48% | 3.50% | 23.44% | |
68 Neutral | $1.77B | 49.95 | 4.09% | ― | 9.21% | 234.88% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $1.86B | 16.21 | 6.47% | 2.94% | 8.27% | -23.33% | |
63 Neutral | $2.46B | 10.87 | 11.64% | 0.88% | -5.27% | 9.27% |
* Financial Sector Average
TCBK
Trico Bancshares
55.68
14.39
34.86%
GABC
German American Bancorp
49.94
11.13
28.67%
STBA
S&T Bancorp
50.20
14.12
39.12%
TFIN
Triumph Financial
73.93
19.21
35.11%
NBHC
National Bank Holdings
41.66
5.14
14.07%
MBIN
Merchants Bancorp
54.13
22.78
72.64%
Trico Bancshares Corporate Events
Business Operations and StrategyFinancial DisclosuresRegulatory Filings and Compliance
TriCo Bancshares Reports Strong Preliminary Q2 2026 Earnings
Positive
Jul 23, 2026
TriCo Bancshares reported preliminary, unaudited second-quarter 2026 net income of $34.2 million, or $1.06 per diluted share, up slightly from the prior quarter and 24.1% above the same period in 2025, driven by stronger net interest income and ro...
Business Operations and StrategyFinancial DisclosuresM&A Transactions
TriCo Bancshares to be Acquired by First Hawaiian
Positive
Jul 13, 2026
On July 13, 2026, First Hawaiian, Inc. and TriCo Bancshares announced a definitive all‑stock agreement under which First Hawaiian will acquire TriCo, creating a combined Pacific‑focused bank with roughly $34 billion in assets that will...
Business Operations and StrategyExecutive/Board ChangesShareholder Meetings
TriCo Bancshares Shareholders Approve Governance and Pay Resolutions
Positive
May 28, 2026
At its annual meeting of shareholders held on May 21, 2026, TriCo Bancshares reported that holders of 28,103,170 shares, or 88.07% of its 31,910,590 outstanding common shares, were represented in person or by proxy, and elected all nominated direc...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.