TRICO BANCSHARES (TCBK) Fundamental Analysis & Valuation

NASDAQ:TCBK • US8960951064

Current stock price

48.09 USD
+0.18 (+0.38%)
At close:
48.09 USD
0 (0%)
After Hours:

This TCBK fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. TCBK Profitability Analysis

1.1 Basic Checks

  • TCBK had positive earnings in the past year.
  • TCBK had a positive operating cash flow in the past year.
  • In the past 5 years TCBK has always been profitable.
  • TCBK had a positive operating cash flow in each of the past 5 years.
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 2025 50M 100M 150M

1.2 Ratios

  • TCBK has a Return On Assets of 1.24%. This is in the better half of the industry: TCBK outperforms 77.11% of its industry peers.
  • TCBK's Return On Equity of 9.15% is in line compared to the rest of the industry. TCBK outperforms 50.26% of its industry peers.
Industry RankSector Rank
ROA 1.24%
ROE 9.15%
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
TCBK Yearly ROA, ROE, ROICTCBK Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • With a decent Profit Margin value of 29.00%, TCBK is doing good in the industry, outperforming 70.00% of the companies in the same industry.
  • TCBK's Profit Margin has improved 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 RankSector Rank
OM N/A
PM (TTM) 29%
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
TCBK Yearly Profit, Operating, Gross MarginsTCBK Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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4

2. TCBK Health Analysis

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
  • Compared to 1 year ago, TCBK has an improved debt to assets ratio.
TCBK Yearly Shares OutstandingTCBK Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 2B 4B 6B 8B

2.2 Solvency

  • The Debt to FCF ratio of TCBK is 0.41, which is an excellent value as it means it would take TCBK, only 0.41 years of fcf income to pay off all of its debts.
  • With an excellent Debt to FCF ratio value of 0.41, TCBK belongs to the best of the industry, outperforming 82.89% of the companies in the same industry.
  • TCBK has a Debt/Equity ratio of 0.04. This is a healthy value indicating a solid balance between debt and equity.
  • TCBK's Debt to Equity ratio of 0.04 is amongst the best of the industry. TCBK outperforms 82.63% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF 0.41
Altman-Z N/A
ROIC/WACCN/A
WACC13.7%
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 2025 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 2025 200M 400M 600M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. TCBK Growth Analysis

3.1 Past

  • TCBK shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 7.23%.
  • Measured over the past years, TCBK shows a quite strong growth in Earnings Per Share. The EPS has been growing by 11.43% on average per year.
  • TCBK shows a small growth in Revenue. In the last year, the Revenue has grown by 5.90%.
  • Measured over the past years, TCBK shows a small growth in Revenue. The Revenue has been growing by 6.02% on average per year.
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 7.55% on average over the next years.
  • Based on estimates for the next years, TCBK will show a small growth in Revenue. The Revenue will grow by 5.53% on average per year.
EPS Next Y10.91%
EPS Next 2Y7.55%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year6.6%
Revenue Next 2Y5.53%
Revenue Next 3YN/A
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 decreasing.
  • The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
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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3

4. TCBK Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 12.96, the valuation of TCBK can be described as correct.
  • TCBK's Price/Earnings ratio is in line with the industry average.
  • TCBK's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 25.60.
  • Based on the Price/Forward Earnings ratio of 11.69, the valuation of TCBK can be described as reasonable.
  • 62.37% of the companies in the same industry are cheaper than TCBK, based on the Price/Forward Earnings ratio.
  • TCBK's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 22.84.
Industry RankSector Rank
PE 12.96
Fwd PE 11.69
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 is on the same level as the industry average.
Industry RankSector Rank
P/FCF 12.09
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)1.19
PEG (5Y)1.13
EPS Next 2Y7.55%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. TCBK Dividend Analysis

5.1 Amount

  • TCBK has a Yearly Dividend Yield of 3.05%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.66, TCBK has a dividend in line with its industry peers.
  • TCBK's Dividend Yield is rather good when compared to the S&P500 average which is at 1.88.
Industry RankSector Rank
Dividend Yield 3.05%

5.2 History

  • The dividend of TCBK is nicely growing with an annual growth rate of 9.56%!
  • 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)9.56%
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 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • TCBK pays out 37.04% 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.
DP37.04%
EPS Next 2Y7.55%
EPS Next 3YN/A
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 2025 50M 100M 150M
TCBK Dividend Payout.TCBK Dividend Payout, showing the Payout Ratio.TCBK Dividend Payout.PayoutRetained Earnings

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TCBK Fundamentals: All Metrics, Ratios and Statistics

TRICO BANCSHARES

NASDAQ:TCBK (4/2/2026, 8:00:01 PM)

After market: 48.09 0 (0%)

48.09

+0.18 (+0.38%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-23
Inst Owners70.94%
Inst Owner Change1.72%
Ins Owners4.73%
Ins Owner Change0.45%
Market Cap1.55B
Revenue(TTM)419.18M
Net Income(TTM)121.56M
Analysts78.33
Price Target56.27 (17.01%)
Short Float %3.57%
Short Ratio6.3
Dividend
Industry RankSector Rank
Dividend Yield 3.05%
Yearly Dividend1.38
Dividend Growth(5Y)9.56%
DP37.04%
Div Incr Years12
Div Non Decr Years13
Ex-Date03-06
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)6.83%
Min EPS beat(2)1.59%
Max EPS beat(2)12.07%
EPS beat(4)4
Avg EPS beat(4)3.81%
Min EPS beat(4)0.04%
Max EPS beat(4)12.07%
EPS beat(8)8
Avg EPS beat(8)5.14%
EPS beat(12)9
Avg EPS beat(12)0.72%
EPS beat(16)10
Avg EPS beat(16)0.15%
Revenue beat(2)0
Avg Revenue beat(2)-1.23%
Min Revenue beat(2)-1.52%
Max Revenue beat(2)-0.95%
Revenue beat(4)1
Avg Revenue beat(4)-1.23%
Min Revenue beat(4)-2.93%
Max Revenue beat(4)0.48%
Revenue beat(8)1
Avg Revenue beat(8)-2.4%
Revenue beat(12)1
Avg Revenue beat(12)-3.92%
Revenue beat(16)3
Avg Revenue beat(16)-3.13%
PT rev (1m)-1.13%
PT rev (3m)11.07%
EPS NQ rev (1m)-0.38%
EPS NQ rev (3m)2.65%
EPS NY rev (1m)-0.81%
EPS NY rev (3m)1.61%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.63%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.12%
Valuation
Industry RankSector Rank
PE 12.96
Fwd PE 11.69
P/S 3.69
P/FCF 12.09
P/OCF 11.6
P/B 1.16
P/tB 1.52
EV/EBITDA N/A
EPS(TTM)3.71
EY7.71%
EPS(NY)4.11
Fwd EY8.56%
FCF(TTM)3.98
FCFY8.27%
OCF(TTM)4.15
OCFY8.62%
SpS13.04
BVpS41.31
TBVpS31.7
PEG (NY)1.19
PEG (5Y)1.13
Graham Number58.72
Profitability
Industry RankSector Rank
ROA 1.24%
ROE 9.15%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 29%
GM N/A
FCFM 30.52%
ROA(3y)1.2%
ROA(5y)1.25%
ROE(3y)9.56%
ROE(5y)10.49%
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-1.84%
PM growth 5Y6.97%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF 0.41
Debt/EBITDA N/A
Cap/Depr 64.31%
Cap/Sales 1.28%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 105.24%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC13.7%
ROIC/WACCN/A
Cap/Depr(3y)49.49%
Cap/Depr(5y)40.93%
Cap/Sales(3y)1.2%
Cap/Sales(5y)1.09%
Profit Quality(3y)103.64%
Profit Quality(5y)109.51%
High Growth Momentum
Growth
EPS 1Y (TTM)7.23%
EPS 3Y-1.4%
EPS 5Y11.43%
EPS Q2Q%17.05%
EPS Next Y10.91%
EPS Next 2Y7.55%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)5.9%
Revenue growth 3Y0.82%
Revenue growth 5Y6.02%
Sales Q2Q%16.94%
Revenue Next Year6.6%
Revenue Next 2Y5.53%
Revenue Next 3YN/A
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 1Y21.67%
FCF growth 3Y-7.05%
FCF growth 5Y2.7%
OCF growth 1Y21.5%
OCF growth 3Y-6.47%
OCF growth 5Y3.03%

TRICO BANCSHARES / TCBK Fundamental Analysis 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.


How profitable is TRICO BANCSHARES (TCBK) stock?

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


What is the earnings growth outlook for TRICO BANCSHARES?

The Earnings per Share (EPS) of TRICO BANCSHARES (TCBK) is expected to grow by 10.91% in the next year.


Is the dividend of TRICO BANCSHARES sustainable?

The dividend rating of TRICO BANCSHARES (TCBK) is 7 / 10 and the dividend payout ratio is 37.04%.