Trico Bancshares (TCBK) AI Stock Analysis

• Market Cap: $1.36B
• Dividend Yield: 3.24%
• Average Volume (3M): 86.10K
• Price to Earnings (P/E): 12.3
• Beta (1Y): 0.91
• Revenue Growth: 1.15%
• EPS Growth: -0.39%
• Country: US
• Employees: 1,194
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.84
• Shares Outstanding: 32,558,975
• 10 Day Avg. Volume: 76,853
• 30 Day Avg. Volume: 86,098
• PEG Ratio: -8.89
• Price to Book (P/B): 1.18
• Price to Sales (P/S): 2.76
• P/FCF Ratio: 13.75
• Enterprise Value/Market Cap: 0.86
• Enterprise Value/Revenue: 2.37
• Enterprise Value/Gross Profit: 3.03
• Enterprise Value/Ebitda: 7.14
• 1Y Price Target: $47.50
• Price Target Upside: 13.94% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 5

• Rating: 60 Neutral
• Price Target: $44.00 ▲(5.54% Upside)

Trico Bancshares' overall stock score is primarily influenced by its strong financial performance, characterized by profitability and efficient operations. However, the negative technical indicators and recent declines in revenue and free cash flow present challenges. The stock's reasonable valuation and attractive dividend yield provide some support, but the bearish momentum and oversold conditions weigh heavily on the overall score.

Positive Factors

Dividend Increase

The dividend increase reflects management's confidence in future earnings growth, indicating strong cash generation and financial health.

Strong Q2 Earnings

Strong Q2 earnings and growth in loan and deposit balances demonstrate effective business operations and market position.

Stable Margins

Stable margins and strong credit quality indicate operational efficiency and risk management, supporting long-term profitability.

Negative Factors

Decelerating Revenue Growth

Decelerating revenue growth could impact future earnings potential, requiring strategic adjustments to sustain growth.

High Liabilities

High liabilities could strain financial flexibility and increase risk, necessitating careful management to maintain balance sheet health.

EPS Decline

A decline in EPS growth suggests potential challenges in maintaining profitability, impacting investor confidence and valuation.

Trico Bancshares Business Overview & Revenue Model

Company Description

Trico Bancshares (TCBK) is a financial holding company based in California that primarily operates through its subsidiary, Tri Counties Bank. The company is engaged in the banking sector, offering a wide range of financial services including commercial and retail banking, loans, deposits, and wealth management services. Trico Bancshares focuses on providing personalized banking solutions to individuals, small businesses, and corporate clients across various regions in Northern and Central California.

How the Company Makes Money

Trico Bancshares generates revenue primarily through interest income from loans and interest-earning assets, which include commercial loans, consumer loans, and mortgages. The company also earns non-interest income from various services, including fees from deposit accounts, wealth management services, and transaction-related fees. A significant portion of its earnings comes from the interest rate spread, which is the difference between the interest earned on loans and the interest paid on deposits. Additionally, partnerships with local businesses and community organizations enhance its customer base and contribute to its overall revenue. The company's focus on community banking allows it to build strong relationships with clients, further driving its revenue through customer loyalty and repeat business.

Trico Bancshares Financial Statement Overview

Summary

Trico Bancshares is financially sound with strong profitability and efficient operations. While revenue growth has decelerated, the company maintains solid margins and cash flow performance. The balance sheet is healthy, though high liabilities require careful management to prevent potential risks.

Income Statement

Trico Bancshares shows stable gross and net profit margins, with a modest revenue growth trajectory. The EBIT and EBITDA margins are healthy, reflecting operational efficiency. However, recent revenue growth has slowed, which could be a concern if it continues.

Balance Sheet

The company's balance sheet is strong, with a low debt-to-equity ratio and decent equity ratio. Return on equity is reasonable, indicating effective use of shareholder funds. However, the relatively high total liabilities may pose risks if not monitored.

Cash Flow

Cash flow generation is robust, with healthy operating cash flow and free cash flow. The free cash flow growth rate is impressive, and the operating cash flow to net income ratio suggests strong cash earnings quality. However, fluctuations in investing and financing cash flows could impact future cash stability.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	490.73M	523.97M	492.81M	412.05M	341.71M	317.18M
Gross Profit	384.22M	382.13M	387.14M	384.05M	336.17M	264.91M
EBITDA	162.90M	171.17M	179.75M	192.29M	180.98M	104.99M
Net Income	111.99M	114.87M	117.39M	125.42M	117.66M	64.81M
Balance Sheet
Total Assets	9.92B	9.67B	9.91B	9.93B	8.61B	7.64B
Cash, Cash Equivalents and Short-Term Investments	322.24M	152.79M	2.25B	2.56B	2.98B	2.08B
Total Debt	143.02M	216.24M	794.52M	442.55M	184.53M	139.44M
Total Liabilities	8.66B	8.45B	8.75B	8.88B	7.61B	6.71B
Stockholders Equity	1.27B	1.22B	1.16B	1.05B	1.00B	925.11M
Cash Flow
Free Cash Flow	101.31M	105.15M	134.00M	159.27M	129.01M	111.99M
Operating Cash Flow	106.57M	109.71M	138.89M	162.90M	132.21M	114.80M
Investing Cash Flow	-29.86M	285.00M	28.57M	-723.22M	-883.81M	-816.33M
Financing Cash Flow	30.57M	-348.45M	-175.98M	-100.86M	850.47M	1.09B

Trico Bancshares Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 41.69
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For TCBK, the sentiment is Negative. The current price of 41.69 is below the 20-day moving average (MA) of 44.39, below the 50-day MA of 43.82, and above the 200-day MA of 41.42, indicating a neutral trend. The MACD of -0.38 indicates Positive momentum. The RSI at 30.98 is Neutral, neither overbought nor oversold. The STOCH value of 4.74 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for TCBK.

Trico Bancshares Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
STBA	74 Outperform	$1.36B	10.44	9.47%	3.83%	-0.57%	-3.92%
NBHC	72 Outperform	$1.38B	11.77	9.15%	3.23%	0.60%	-6.31%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
TFIN	67 Neutral	$1.11B	107.34	1.52%	―	2.02%	-60.54%
GABC	61 Neutral	$1.40B	14.22	9.80%	3.05%	22.42%	-5.59%
TCBK	60 Neutral	$1.36B	12.32	9.17%	3.24%	1.15%	-0.39%
MBIN	60 Neutral	$1.43B	6.87	12.43%	1.25%	3.49%	-30.76%

Trico Bancshares Corporate Events

TriCo Bancshares Announces Increased Quarterly Dividend

On August 21, 2025, TriCo Bancshares announced a quarterly cash dividend of $0.36 per share, marking a 9.1% increase from the previous quarter. This increase, payable on September 19, 2025, reflects the company’s growth expectations and continues its 144th consecutive quarterly dividend, highlighting management’s confidence in future earnings growth.

TriCo Bancshares Reports Strong Q2 2025 Earnings

TriCo Bancshares, a financial institution based in Chico, California, reported a net income of $27.5 million for the second quarter of 2025, with a diluted EPS of $0.84, marking an increase from the previous quarter. The company experienced growth in loan and deposit balances, which contributed to a rise in net interest income and a stable net interest margin. The executive team highlighted the company’s strong credit quality and efficiency improvements, anticipating continued financial growth through the remainder of the year.

TriCo Bancshares Elects New Board Leadership

On May 22, 2025, TriCo Bancshares held its annual meeting of shareholders, where 84.56% of the total outstanding shares were represented. During the meeting, all 11 nominees were elected to the Board of Directors, executive compensation was approved on a nonbinding basis, and Moss Adams LLP was ratified as the principal independent auditor for 2025. Following the meeting, Richard P. Smith was elected as Chairman of the Board, and Cory W. Giese was elected as Lead Independent Director.

TriCo Bancshares Declares Quarterly Cash Dividend

On May 22, 2025, TriCo Bancshares announced a quarterly cash dividend of $0.33 per share, payable on June 20, 2025, to shareholders of record as of June 6, 2025. This announcement reflects the company’s ongoing commitment to returning value to its shareholders and underscores its financial stability and strategic positioning within the banking industry.