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TRICO BANCSHARES (TCBK) Stock Fundamental Analysis

NASDAQ:TCBK - US8960951064 - Common Stock

45.07 USD
-0.05 (-0.11%)
Last: 9/8/2025, 12:19:02 PM
Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to TCBK. TCBK was compared to 391 industry peers in the Banks industry. There are concerns on the financial health of TCBK while its profitability can be described as average. TCBK has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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4

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.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M

1.2 Ratios

TCBK's Return On Assets of 1.13% is fine compared to the rest of the industry. TCBK outperforms 74.68% of its industry peers.
TCBK has a Return On Equity (8.84%) which is comparable to the rest of the industry.
Industry RankSector Rank
ROA 1.13%
ROE 8.84%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

Looking at the Profit Margin, with a value of 27.88%, TCBK is in the better half of the industry, outperforming 73.40% 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 RankSector Rank
OM N/A
PM (TTM) 27.88%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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3

2. Health

2.1 Basic Checks

TCBK does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, TCBK has less shares outstanding
TCBK has more shares outstanding than it did 5 years ago.
TCBK has a better debt/assets ratio than last year.
TCBK Yearly Shares OutstandingTCBK Yearly Shares OutstandingYearly Shares Outstanding 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B

2.2 Solvency

TCBK has a debt to FCF ratio of 1.18. This is a very positive value and a sign of high solvency as it would only need 1.18 years to pay back of all of its debts.
TCBK has a Debt to FCF ratio of 1.18. This is in the better half of the industry: TCBK outperforms 65.98% of its industry peers.
TCBK has a Debt/Equity ratio of 0.09. This is a healthy value indicating a solid balance between debt and equity.
TCBK's Debt to Equity ratio of 0.09 is fine compared to the rest of the industry. TCBK outperforms 71.87% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.09
Debt/FCF 1.18
Altman-Z N/A
ROIC/WACCN/A
WACC11.68%
TCBK Yearly LT Debt VS Equity VS FCFTCBK Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M

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3

3. Growth

3.1 Past

TCBK shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by 0.00%.
The Earnings Per Share has been growing slightly by 2.89% on average over the past years.
Looking at the last year, TCBK shows a decrease in Revenue. The Revenue has decreased by -0.36% in the last year.
The Revenue has been growing slightly by 4.97% on average over the past years.
EPS 1Y (TTM)0%
EPS 3Y-4.16%
EPS 5Y2.89%
EPS Q2Q%-3.45%
Revenue 1Y (TTM)-0.36%
Revenue growth 3Y5.7%
Revenue growth 5Y4.97%
Sales Q2Q%5.87%

3.2 Future

The Earnings Per Share is expected to grow by 3.16% 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 4.19% on average per year.
EPS Next Y1.93%
EPS Next 2Y5.38%
EPS Next 3Y3.16%
EPS Next 5YN/A
Revenue Next Year5.79%
Revenue Next 2Y5.8%
Revenue Next 3Y4.19%
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 stable.
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 2014 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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3

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3

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 13.26 indicates a correct valuation of TCBK.
TCBK's Price/Earnings is on the same level as the industry average.
The average S&P500 Price/Earnings ratio is at 27.02. TCBK is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 11.73, the valuation of TCBK can be described as very reasonable.
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 63.17% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.66. TCBK is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 13.26
Fwd PE 11.73
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 14.49
EV/EBITDA N/A
TCBK Per share dataTCBK EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates TCBK does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)6.86
PEG (5Y)4.58
EPS Next 2Y5.38%
EPS Next 3Y3.16%

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6

5. Dividend

5.1 Amount

TCBK has a Yearly Dividend Yield of 3.13%.
TCBK's Dividend Yield is comparable with the industry average which is at 3.56.
TCBK's Dividend Yield is a higher than the S&P500 average which is at 2.45.
Industry RankSector Rank
Dividend Yield 3.13%

5.2 History

The dividend of TCBK is nicely growing with an annual growth rate of 9.93%!
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

5.3 Sustainability

38.77% 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.
DP38.77%
EPS Next 2Y5.38%
EPS Next 3Y3.16%
TCBK Yearly Income VS Free CF VS DividendTCBK Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 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 (9/8/2025, 12:19:02 PM)

45.07

-0.05 (-0.11%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-24 2025-07-24/bmo
Earnings (Next)10-22 2025-10-22/amc
Inst Owners67.9%
Inst Owner Change-0.24%
Ins Owners4.66%
Ins Owner Change1.23%
Market Cap1.47B
Analysts78.33
Price Target48.96 (8.63%)
Short Float %1.87%
Short Ratio5.9
Dividend
Industry RankSector Rank
Dividend Yield 3.13%
Yearly Dividend1.32
Dividend Growth(5Y)9.93%
DP38.77%
Div Incr Years12
Div Non Decr Years13
Ex-Date09-05 2025-09-05 (0.36)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)0.79%
Min EPS beat(2)0.04%
Max EPS beat(2)1.54%
EPS beat(4)4
Avg EPS beat(4)4.26%
Min EPS beat(4)0.04%
Max EPS beat(4)8.66%
EPS beat(8)7
Avg EPS beat(8)2.67%
EPS beat(12)7
Avg EPS beat(12)-1.15%
EPS beat(16)9
Avg EPS beat(16)-0.76%
Revenue beat(2)1
Avg Revenue beat(2)-1.22%
Min Revenue beat(2)-2.93%
Max Revenue beat(2)0.48%
Revenue beat(4)1
Avg Revenue beat(4)-2.76%
Min Revenue beat(4)-7.38%
Max Revenue beat(4)0.48%
Revenue beat(8)1
Avg Revenue beat(8)-3.21%
Revenue beat(12)2
Avg Revenue beat(12)-3.67%
Revenue beat(16)4
Avg Revenue beat(16)-3.11%
PT rev (1m)2.86%
PT rev (3m)2.86%
EPS NQ rev (1m)1.79%
EPS NQ rev (3m)5.79%
EPS NY rev (1m)4.52%
EPS NY rev (3m)4.52%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.5%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.22%
Valuation
Industry RankSector Rank
PE 13.26
Fwd PE 11.73
P/S 3.65
P/FCF 14.49
P/OCF 13.77
P/B 1.16
P/tB 1.53
EV/EBITDA N/A
EPS(TTM)3.4
EY7.54%
EPS(NY)3.84
Fwd EY8.53%
FCF(TTM)3.11
FCFY6.9%
OCF(TTM)3.27
OCFY7.26%
SpS12.34
BVpS38.91
TBVpS29.39
PEG (NY)6.86
PEG (5Y)4.58
Profitability
Industry RankSector Rank
ROA 1.13%
ROE 8.84%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 27.88%
GM N/A
FCFM 25.22%
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
ROICexcg growth 3YN/A
ROICexcg 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-Score5
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.09
Debt/FCF 1.18
Debt/EBITDA N/A
Cap/Depr 57.45%
Cap/Sales 1.31%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 90.46%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC11.68%
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)0%
EPS 3Y-4.16%
EPS 5Y2.89%
EPS Q2Q%-3.45%
EPS Next Y1.93%
EPS Next 2Y5.38%
EPS Next 3Y3.16%
EPS Next 5YN/A
Revenue 1Y (TTM)-0.36%
Revenue growth 3Y5.7%
Revenue growth 5Y4.97%
Sales Q2Q%5.87%
Revenue Next Year5.79%
Revenue Next 2Y5.8%
Revenue Next 3Y4.19%
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-28.86%
FCF growth 3Y-6.59%
FCF growth 5Y1.32%
OCF growth 1Y-27.51%
OCF growth 3Y-6.03%
OCF growth 5Y1.31%