49.82 USD
+0.35 (+0.71%)
At close: Jan 30, 2026
49.82 USD
0 (0%)
After Hours: 1/30/2026, 8:20:40 PM
Taking everything into account, TCBK scores 4 out of 10 in our fundamental rating. TCBK was compared to 383 industry peers in the Banks industry. TCBK has only an average score on both its financial health and profitability. TCBK is quite expensive at the moment. It does show a decent growth rate. Finally TCBK also has an excellent dividend rating.
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.
- Each year in the past 5 years TCBK has been profitable.
- TCBK had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- With a decent Return On Assets value of 1.18%, TCBK is doing good in the industry, outperforming 74.93% of the companies in the same industry.
- TCBK has a Return On Equity (8.97%) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.18% | ||
| ROE | 8.97% | ||
| ROIC | N/A |
ROA(3y)1.2%
ROA(5y)1.25%
ROE(3y)9.56%
ROE(5y)10.49%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- TCBK has a Profit Margin of 28.52%. This is in the better half of the industry: TCBK outperforms 72.32% of its industry peers.
- TCBK's Profit Margin has improved in the last couple of years.
- The Operating Margin and Gross Margin are not available for TCBK so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 28.52% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-1.84%
PM growth 5Y6.97%
GM growth 3YN/A
GM growth 5YN/A
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.
- TCBK has more shares outstanding than it did 5 years ago.
- Compared to 1 year ago, TCBK has an improved debt to assets ratio.
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's Debt to FCF ratio of 0.50 is amongst the best of the industry. TCBK outperforms 80.16% of its industry peers.
- A Debt/Equity ratio of 0.04 indicates that TCBK is not too dependend on debt financing.
- The Debt to Equity ratio of TCBK (0.04) is better than 81.72% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.04 | ||
| Debt/FCF | 0.5 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.57%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- TCBK shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 7.23%.
- TCBK shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 11.43% yearly.
- The Revenue has been growing slightly by 5.90% in the past year.
- TCBK shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.02% yearly.
EPS 1Y (TTM)7.23%
EPS 3Y-1.4%
EPS 5Y11.43%
EPS Q2Q%17.05%
Revenue 1Y (TTM)5.9%
Revenue growth 3Y0.82%
Revenue growth 5Y6.02%
Sales Q2Q%16.94%
3.2 Future
- The Earnings Per Share is expected to grow by 5.88% on average over the next years.
- TCBK is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.39% yearly.
EPS Next Y9.15%
EPS Next 2Y5.88%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year6.15%
Revenue Next 2Y5.39%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
- The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
- The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 13.43, TCBK is valued correctly.
- TCBK's Price/Earnings is on the same level as the industry average.
- The average S&P500 Price/Earnings ratio is at 28.30. TCBK is valued rather cheaply when compared to this.
- Based on the Price/Forward Earnings ratio of 12.30, the valuation of TCBK can be described as correct.
- Based on the Price/Forward Earnings ratio, TCBK is valued a bit more expensive than the industry average as 60.57% of the companies are valued more cheaply.
- TCBK is valuated cheaply when we compare the Price/Forward Earnings ratio to 25.57, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.43 | ||
| Fwd PE | 12.3 |
4.2 Price Multiples
- TCBK's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.82 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- TCBK's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.47
PEG (5Y)1.18
EPS Next 2Y5.88%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- TCBK has a Yearly Dividend Yield of 2.95%.
- Compared to an average industry Dividend Yield of 2.70, TCBK has a dividend in line with its industry peers.
- Compared to an average S&P500 Dividend Yield of 1.82, TCBK pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.95% |
5.2 History
- On average, the dividend of TCBK grows each year by 9.93%, which is quite nice.
- TCBK has paid a dividend for at least 10 years, which is a reliable track record.
- TCBK has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)9.93%
Div Incr Years12
Div Non Decr Years13
5.3 Sustainability
- TCBK pays out 37.83% of its income as dividend. This is a sustainable payout ratio.
- TCBK's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP37.83%
EPS Next 2Y5.88%
EPS Next 3YN/A
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 3 / 10 to TRICO BANCSHARES (TCBK). This can be considered as Overvalued.
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 13.43 and the Price/Book (PB) ratio is 1.24.
What is the financial health of TRICO BANCSHARES (TCBK) stock?
The financial health rating of TRICO BANCSHARES (TCBK) is 4 / 10.