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TRICO BANCSHARES (TCBK) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:TCBK - US8960951064 - Common Stock

48.06 USD
+0.49 (+1.03%)
Last: 1/6/2026, 8:00:01 PM
48.06 USD
0 (0%)
After Hours: 1/6/2026, 8:00:01 PM
Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to TCBK. TCBK was compared to 387 industry peers in the Banks industry. TCBK has an average financial health and profitability rating. TCBK has a correct valuation and a medium growth rate. Finally TCBK also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

TCBK had positive earnings in the past year.
TCBK had a positive operating cash flow in the past year.
TCBK had positive earnings in each of the past 5 years.
Each year in the past 5 years TCBK had a positive operating cash flow.
TCBK Yearly Net Income VS EBIT VS OCF VS FCFTCBK Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M

1.2 Ratios

The Return On Assets of TCBK (1.18%) is better than 74.94% of its industry peers.
The Return On Equity of TCBK (8.97%) is comparable to the rest of the industry.
Industry RankSector Rank
ROA 1.18%
ROE 8.97%
ROIC N/A
ROA(3y)1.21%
ROA(5y)1.17%
ROE(3y)10.51%
ROE(5y)10.06%
ROIC(3y)N/A
ROIC(5y)N/A
TCBK Yearly ROA, ROE, ROICTCBK Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

With a decent Profit Margin value of 28.52%, TCBK is doing good in the industry, outperforming 72.09% of the companies in the same industry.
TCBK's Profit Margin has been stable in the last couple of years.
The Operating Margin and Gross Margin are not available for TCBK so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 28.52%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-6.16%
PM growth 5Y-0.43%
GM growth 3YN/A
GM growth 5YN/A
TCBK Yearly Profit, Operating, Gross MarginsTCBK Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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4

2. Health

2.1 Basic Checks

TCBK does not have a ROIC to compare to the WACC, probably because it is not profitable.
TCBK has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, TCBK has more shares outstanding
TCBK has a better debt/assets ratio than last year.
TCBK Yearly Shares OutstandingTCBK Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M
TCBK Yearly Total Debt VS Total AssetsTCBK Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B

2.2 Solvency

The Debt to FCF ratio of TCBK is 0.50, which is an excellent value as it means it would take TCBK, only 0.50 years of fcf income to pay off all of its debts.
TCBK has a Debt to FCF ratio of 0.50. This is amongst the best in the industry. TCBK outperforms 80.36% of its industry peers.
TCBK has a Debt/Equity ratio of 0.04. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of TCBK (0.04) is better than 81.65% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF 0.5
Altman-Z N/A
ROIC/WACCN/A
WACC11.6%
TCBK Yearly LT Debt VS Equity VS FCFTCBK Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
TCBK Yearly Current Assets VS Current LiabilitesTCBK Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M

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4

3. Growth

3.1 Past

TCBK shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 5.95%.
TCBK shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 2.89% yearly.
TCBK shows a small growth in Revenue. In the last year, the Revenue has grown by 3.02%.
The Revenue has been growing slightly by 4.97% on average over the past years.
EPS 1Y (TTM)5.95%
EPS 3Y-4.16%
EPS 5Y2.89%
EPS Q2Q%18.18%
Revenue 1Y (TTM)3.02%
Revenue growth 3Y5.7%
Revenue growth 5Y4.97%
Sales Q2Q%8.53%

3.2 Future

Based on estimates for the next years, TCBK will show a small growth in Earnings Per Share. The EPS will grow by 6.33% on average per year.
Based on estimates for the next years, TCBK will show a small growth in Revenue. The Revenue will grow by 5.08% on average per year.
EPS Next Y7.97%
EPS Next 2Y8.18%
EPS Next 3Y6.33%
EPS Next 5YN/A
Revenue Next Year5.83%
Revenue Next 2Y5.66%
Revenue Next 3Y5.08%
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
TCBK Yearly Revenue VS EstimatesTCBK Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 100M 200M 300M 400M
TCBK Yearly EPS VS EstimatesTCBK Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3 4

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4

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 13.50, TCBK is valued correctly.
TCBK's Price/Earnings is on the same level as the industry average.
TCBK's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.17.
A Price/Forward Earnings ratio of 11.87 indicates a reasonable valuation of TCBK.
TCBK's Price/Forward Earnings ratio is in line with the industry average.
When comparing the Price/Forward Earnings ratio of TCBK to the average of the S&P500 Index (23.79), we can say TCBK is valued rather cheaply.
Industry RankSector Rank
PE 13.5
Fwd PE 11.87
TCBK Price Earnings VS Forward Price EarningsTCBK Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

TCBK's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 13.33
EV/EBITDA N/A
TCBK Per share dataTCBK EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

4.3 Compensation for Growth

The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.69
PEG (5Y)4.66
EPS Next 2Y8.18%
EPS Next 3Y6.33%

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7

5. Dividend

5.1 Amount

TCBK has a Yearly Dividend Yield of 3.04%.
Compared to an average industry Dividend Yield of 2.78, TCBK has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 1.94, TCBK pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.04%

5.2 History

On average, the dividend of TCBK grows each year by 9.93%, which is quite nice.
TCBK has been paying a dividend for at least 10 years, so it has a reliable track record.
TCBK has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)9.93%
Div Incr Years12
Div Non Decr Years13
TCBK Yearly Dividends per shareTCBK Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

5.3 Sustainability

37.83% of the earnings are spent on dividend by TCBK. This is a low number and sustainable payout ratio.
The dividend of TCBK is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP37.83%
EPS Next 2Y8.18%
EPS Next 3Y6.33%
TCBK Yearly Income VS Free CF VS DividendTCBK Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M
TCBK Dividend Payout.TCBK Dividend Payout, showing the Payout Ratio.TCBK Dividend Payout.PayoutRetained Earnings

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TRICO BANCSHARES

NASDAQ:TCBK (1/6/2026, 8:00:01 PM)

After market: 48.06 0 (0%)

48.06

+0.49 (+1.03%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-23 2025-10-23/bmo
Earnings (Next)01-28 2026-01-28/amc
Inst Owners69.2%
Inst Owner Change0%
Ins Owners4.71%
Ins Owner Change0.26%
Market Cap1.56B
Revenue(TTM)410.15M
Net Income(TTM)116.96M
Analysts78.33
Price Target50.66 (5.41%)
Short Float %1.97%
Short Ratio4.5
Dividend
Industry RankSector Rank
Dividend Yield 3.04%
Yearly Dividend1.32
Dividend Growth(5Y)9.93%
DP37.83%
Div Incr Years12
Div Non Decr Years13
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)6.81%
Min EPS beat(2)1.54%
Max EPS beat(2)12.07%
EPS beat(4)4
Avg EPS beat(4)5.58%
Min EPS beat(4)0.04%
Max EPS beat(4)12.07%
EPS beat(8)7
Avg EPS beat(8)3.91%
EPS beat(12)8
Avg EPS beat(12)-0.1%
EPS beat(16)10
Avg EPS beat(16)0.16%
Revenue beat(2)1
Avg Revenue beat(2)-0.52%
Min Revenue beat(2)-1.52%
Max Revenue beat(2)0.48%
Revenue beat(4)1
Avg Revenue beat(4)-2.83%
Min Revenue beat(4)-7.38%
Max Revenue beat(4)0.48%
Revenue beat(8)1
Avg Revenue beat(8)-3.26%
Revenue beat(12)1
Avg Revenue beat(12)-3.84%
Revenue beat(16)4
Avg Revenue beat(16)-3.03%
PT rev (1m)0.68%
PT rev (3m)3.47%
EPS NQ rev (1m)0.17%
EPS NQ rev (3m)8.59%
EPS NY rev (1m)0%
EPS NY rev (3m)5.92%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.25%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.03%
Valuation
Industry RankSector Rank
PE 13.5
Fwd PE 11.87
P/S 3.81
P/FCF 13.33
P/OCF 12.7
P/B 1.2
P/tB 1.57
EV/EBITDA N/A
EPS(TTM)3.56
EY7.41%
EPS(NY)4.05
Fwd EY8.43%
FCF(TTM)3.6
FCFY7.5%
OCF(TTM)3.79
OCFY7.88%
SpS12.62
BVpS40.12
TBVpS30.6
PEG (NY)1.69
PEG (5Y)4.66
Graham Number56.69
Profitability
Industry RankSector Rank
ROA 1.18%
ROE 8.97%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 28.52%
GM N/A
FCFM 28.57%
ROA(3y)1.21%
ROA(5y)1.17%
ROE(3y)10.51%
ROE(5y)10.06%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-6.16%
PM growth 5Y-0.43%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF 0.5
Debt/EBITDA N/A
Cap/Depr 68.36%
Cap/Sales 1.44%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 100.19%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC11.6%
ROIC/WACCN/A
Cap/Depr(3y)37.82%
Cap/Depr(5y)32.66%
Cap/Sales(3y)1.07%
Cap/Sales(5y)1.01%
Profit Quality(3y)110.91%
Profit Quality(5y)123.03%
High Growth Momentum
Growth
EPS 1Y (TTM)5.95%
EPS 3Y-4.16%
EPS 5Y2.89%
EPS Q2Q%18.18%
EPS Next Y7.97%
EPS Next 2Y8.18%
EPS Next 3Y6.33%
EPS Next 5YN/A
Revenue 1Y (TTM)3.02%
Revenue growth 3Y5.7%
Revenue growth 5Y4.97%
Sales Q2Q%8.53%
Revenue Next Year5.83%
Revenue Next 2Y5.66%
Revenue Next 3Y5.08%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-23.36%
FCF growth 3Y-6.59%
FCF growth 5Y1.32%
OCF growth 1Y-21.76%
OCF growth 3Y-6.03%
OCF growth 5Y1.31%

TRICO BANCSHARES / TCBK FAQ

What is the fundamental rating for TCBK stock?

ChartMill assigns a fundamental rating of 4 / 10 to TCBK.


Can you provide the valuation status for TRICO BANCSHARES?

ChartMill assigns a valuation rating of 4 / 10 to TRICO BANCSHARES (TCBK). This can be considered as Fairly Valued.


What is the profitability of TCBK stock?

TRICO BANCSHARES (TCBK) has a profitability rating of 4 / 10.


Can you provide the PE and PB ratios for TCBK stock?

The Price/Earnings (PE) ratio for TRICO BANCSHARES (TCBK) is 13.5 and the Price/Book (PB) ratio is 1.2.


What is the financial health of TRICO BANCSHARES (TCBK) stock?

The financial health rating of TRICO BANCSHARES (TCBK) is 4 / 10.