48.1 USD
-0.31 (-0.64%)
48.1 USD
0 (0%)
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 is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year TCBK was profitable.
In the past year TCBK had a positive cash flow from operations.
Each year in the past 5 years TCBK has been profitable.
TCBK had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
TCBK has a Return On Assets of 1.18%. This is in the better half of the industry: TCBK outperforms 75.19% of its industry peers.
The Return On Equity of TCBK (8.97%) is comparable to the rest of the industry.
| Industry Rank | Sector 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
1.3 Margins
Looking at the Profit Margin, with a value of 28.52%, TCBK is in the better half of the industry, outperforming 73.13% of the companies in the same industry.
TCBK's Profit Margin has been stable in the last couple of years.
TCBK does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| 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-6.16%
PM growth 5Y-0.43%
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.
The number of shares outstanding for TCBK has been reduced compared to 1 year ago.
Compared to 5 years ago, TCBK has more shares outstanding
The debt/assets ratio for TCBK has been reduced compared to a year ago.
2.2 Solvency
TCBK has a debt to FCF ratio of 0.50. This is a very positive value and a sign of high solvency as it would only need 0.50 years to pay back of all of its debts.
TCBK has a Debt to FCF ratio of 0.50. This is amongst the best in the industry. TCBK outperforms 81.65% 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 80.88% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.04 | ||
| Debt/FCF | 0.5 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.48%
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 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.
The Revenue has been growing slightly by 3.02% in the past year.
Measured over the past years, TCBK shows a small growth in Revenue. The Revenue has been growing by 4.97% on average per year.
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.
TCBK is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.08% yearly.
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
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 13.51 indicates a correct valuation of TCBK.
Based on the Price/Earnings ratio, TCBK is valued a bit more expensive than 61.50% of the companies in the same industry.
TCBK is valuated rather cheaply when we compare the Price/Earnings ratio to 26.31, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 11.88 indicates a reasonable valuation of TCBK.
Compared to the rest of the industry, the Price/Forward Earnings ratio of TCBK indicates a slightly more expensive valuation: TCBK is more expensive than 64.60% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 36.59, TCBK is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.51 | ||
| Fwd PE | 11.88 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of TCBK is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.34 | ||
| EV/EBITDA | N/A |
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)1.7
PEG (5Y)4.67
EPS Next 2Y8.18%
EPS Next 3Y6.33%
5. Dividend
5.1 Amount
TCBK has a Yearly Dividend Yield of 3.19%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.23, TCBK has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.34, TCBK pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.19% |
5.2 History
The dividend of TCBK is nicely growing with an annual growth rate of 9.93%!
TCBK has paid a dividend for at least 10 years, which is 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
5.3 Sustainability
37.83% of the earnings are spent on dividend by TCBK. This is a low number and sustainable payout ratio.
TCBK's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP37.83%
EPS Next 2Y8.18%
EPS Next 3Y6.33%
48.1
-0.31 (-0.64%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners68.15%
Inst Owner Change1.22%
Ins Owners4.66%
Ins Owner Change0.49%
Market Cap1.56B
Revenue(TTM)410.15M
Net Income(TTM)116.96M
Analysts78.33
Price Target50.32 (4.62%)
Short Float %1.91%
Short Ratio5.58
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.19% |
Yearly Dividend1.32
Dividend Growth(5Y)9.93%
DP37.83%
Div Incr Years12
Div Non Decr Years13
Ex-Date
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)2.78%
PT rev (3m)4.23%
EPS NQ rev (1m)8.63%
EPS NQ rev (3m)8.41%
EPS NY rev (1m)5.98%
EPS NY rev (3m)10.72%
Revenue NQ rev (1m)-0.25%
Revenue NQ rev (3m)-0.25%
Revenue NY rev (1m)0.03%
Revenue NY rev (3m)0.03%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.51 | ||
| Fwd PE | 11.88 | ||
| P/S | 3.81 | ||
| P/FCF | 13.34 | ||
| P/OCF | 12.71 | ||
| P/B | 1.2 | ||
| P/tB | 1.57 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.56
EY7.4%
EPS(NY)4.05
Fwd EY8.42%
FCF(TTM)3.6
FCFY7.49%
OCF(TTM)3.79
OCFY7.87%
SpS12.62
BVpS40.12
TBVpS30.6
PEG (NY)1.7
PEG (5Y)4.67
Graham Number56.69
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC11.48%
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.
What is the valuation status for TCBK stock?
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 expected EPS growth for TCBK stock?
The Earnings per Share (EPS) of TRICO BANCSHARES (TCBK) is expected to grow by 7.97% in the next year.
Is the dividend of TRICO BANCSHARES sustainable?
The dividend rating of TRICO BANCSHARES (TCBK) is 6 / 10 and the dividend payout ratio is 37.83%.