Trico Bancshares (TCBK) AI Stock Analysis

• Market Cap: $1.34B
• Dividend Yield: 3.17%
• Average Volume (3M): 89.85K
• Price to Earnings (P/E): 12.2
• Beta (1Y): 0.90
• Revenue Growth: 1.15%
• EPS Growth: -0.39%
• Country: US
• Employees: 1,194
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 1.04
• Shares Outstanding: 32,558,975
• 10 Day Avg. Volume: 83,112
• 30 Day Avg. Volume: 89,849
• 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: 0.87
• Enterprise Value/Revenue: 2.37
• Enterprise Value/Gross Profit: 3.03
• Enterprise Value/Ebitda: 7.14
• 1Y Price Target: $48.67
• Price Target Upside: 14.36% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 4

• Rating: 67 Neutral
• Price Target: $46.00 ▲(8.08% Upside)

Trico Bancshares' overall score is primarily driven by its strong financial performance and attractive valuation. However, technical indicators suggest weak momentum, which could pose short-term challenges. The absence of recent earnings call data and corporate events limits further insights into the company's immediate prospects.

Positive Factors

Net Interest Margin Improvement

The improvement in net interest margin indicates effective management of interest-earning assets and liabilities, enhancing profitability and supporting future revenue growth.

Tangible Book Value Growth

Growth in tangible book value per share reflects the company's ability to increase shareholder equity, providing a stronger foundation for future financial stability and growth.

Loan Production and Origination

Increasing loan production and origination activities suggest expanding business operations and potential for higher future interest income, driving long-term revenue growth.

Negative Factors

Revenue Growth Challenges

Negative revenue growth highlights difficulties in expanding market share or product adoption, which could impact long-term profitability and competitive positioning.

Free Cash Flow Decline

A decline in free cash flow growth may affect liquidity and the ability to invest in growth opportunities, potentially limiting future expansion and operational flexibility.

Moderate Debt Reliance

Moderate reliance on debt could pose risks if not managed carefully, potentially affecting financial stability and increasing vulnerability to interest rate changes.

Trico Bancshares Business Overview & Revenue Model

Company Description

TriCo Bancshares operates as a bank holding company for Tri Counties Bank that provides commercial banking services to individual and corporate customers. The company accepts demand, savings, and time deposits. It also provides small business loans; real estate mortgage loans, such as residential and commercial loans; consumer loans; commercial loans, including agricultural loans; and real estate construction loans. In addition, the company offers treasury management services; and other customary banking services, including safe deposit boxes; and independent financial and broker-dealer services. It operates 61 traditional branches, 7 in-store branches, and 7 loan production offices in 31 counties throughout California. The company was founded in 1975 and is headquartered in Chico, 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: Positive
• Last Price: 42.56
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For TCBK, the sentiment is Positive. The current price of 42.56 is below the 20-day moving average (MA) of 43.23, below the 50-day MA of 44.04, and above the 200-day MA of 41.40, indicating a neutral trend. The MACD of -0.62 indicates Positive momentum. The RSI at 45.86 is Neutral, neither overbought nor oversold. The STOCH value of 53.85 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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	$1.34B	10.29	9.47%	3.81%	-0.57%	-3.92%
GABC	72 Outperform	$1.43B	14.51	9.80%	2.92%	22.42%	-5.59%
NBHC	71 Outperform	$1.38B	11.73	9.09%	3.19%	-2.17%	-1.73%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
TCBK	67 Neutral	$1.34B	12.17	9.17%	3.17%	1.15%	-0.39%
MBIN	64 Neutral	$1.44B	6.92	12.43%	1.20%	3.49%	-30.76%
TFIN	62 Neutral	$1.38B	205.08	1.11%	―	2.04%	-64.17%

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.

The most recent analyst rating on (TCBK) stock is a Buy with a $47.00 price target. To see the full list of analyst forecasts on Trico Bancshares stock, see the TCBK Stock Forecast page.

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.

The most recent analyst rating on (TCBK) stock is a Hold with a $53.00 price target. To see the full list of analyst forecasts on Trico Bancshares stock, see the TCBK Stock Forecast page.