TRICO BANCSHARES(NASDAQ:TCBK) stock Fundamental Analysis

Fundamental Rating

TCBK gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 395 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.

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1. Profitability

1.1 Basic Checks

In the past year TCBK was profitable.

TCBK had a positive operating cash flow in the past year.

TCBK had positive earnings in each of the past 5 years.

In the past 5 years TCBK always reported a positive cash flow from operatings.

1.2 Ratios

TCBK has a better Return On Assets (1.19%) than 77.83% of its industry peers.

The Return On Equity of TCBK (9.41%) is better than 60.71% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.19%
ROE	9.41%
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

With an excellent Profit Margin value of 29.02%, TCBK belongs to the best of the industry, outperforming 80.10% 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)	29.02%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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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

Compared to 1 year ago, TCBK has an improved debt to assets ratio.

2.2 Solvency

TCBK has a debt to FCF ratio of 1.81. This is a very positive value and a sign of high solvency as it would only need 1.81 years to pay back of all of its debts.

TCBK's Debt to FCF ratio of 1.81 is in line compared to the rest of the industry. TCBK outperforms 55.42% of its industry peers.

A Debt/Equity ratio of 0.16 indicates that TCBK is not too dependend on debt financing.

With a Debt to Equity ratio value of 0.16, TCBK perfoms like the industry average, outperforming 54.66% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.16
Debt/FCF	1.81
Altman-Z	N/A

ROIC/WACCN/A

WACC12.12%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The earnings per share for TCBK have decreased by -1.70% in the last year.

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 decrease in Revenue. In the last year, the revenue decreased by -5.29%.

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)-1.7%

EPS 3Y-4.16%

EPS 5Y2.89%

EPS Q2Q%12.82%

Revenue 1Y (TTM)-5.29%

Revenue growth 3Y5.7%

Revenue growth 5Y4.97%

Sales Q2Q%-2.57%

3.2 Future

The Earnings Per Share is expected to grow by 3.71% on average over the next years.

The Revenue is expected to grow by 4.43% on average over the next years.

EPS Next Y-1.62%

EPS Next 2Y3.71%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year3.5%

Revenue Next 2Y4.43%

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 accelerating.

The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

TCBK is valuated reasonably with a Price/Earnings ratio of 11.64.

The rest of the industry has a similar Price/Earnings ratio as TCBK.

TCBK is valuated cheaply when we compare the Price/Earnings ratio to 24.21, which is the current average of the S&P500 Index.

With a Price/Forward Earnings ratio of 11.83, the valuation of TCBK can be described as very reasonable.

64.23% of the companies in the same industry are cheaper than TCBK, based on the Price/Forward Earnings ratio.

The average S&P500 Price/Forward Earnings ratio is at 20.44. TCBK is valued slightly cheaper when compared to this.

		Industry Rank	Sector Rank
PE	11.64
Fwd PE	11.83

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	12.6
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)4.02

EPS Next 2Y3.71%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

TCBK has a Yearly Dividend Yield of 3.27%. Purely for dividend investing, there may be better candidates out there.

Compared to an average industry Dividend Yield of 3.42, TCBK has a dividend in line with its industry peers.

Compared to an average S&P500 Dividend Yield of 2.41, TCBK pays a bit more dividend than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	3.27%

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 Years11

Div Non Decr Years12

5.3 Sustainability

38.00% 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.

DP38%

EPS Next 2Y3.71%

EPS Next 3YN/A

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TRICO BANCSHARES

NASDAQ:TCBK (5/9/2025, 8:23:45 PM)

After market: 40.27 0 (0%)

40.27

-0.07 (-0.17%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-23 2025-04-23/amc

Earnings (Next)07-23 2025-07-23/amc

Inst Owners66.64%

Inst Owner Change-0.63%

Ins Owners4.65%

Ins Owner Change-0.19%

Market Cap1.32B

Analysts78.33

Price Target47.6 (18.2%)

Short Float %1.6%

Short Ratio3.87

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.27%

Yearly Dividend1.32

Dividend Growth(5Y)9.93%

DP38%

Div Incr Years11

Div Non Decr Years12

Ex-Date03-07 2025-03-07 (0.33)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)7.73%

Min EPS beat(2)6.8%

Max EPS beat(2)8.66%

EPS beat(4)4

Avg EPS beat(4)6.47%

Min EPS beat(4)2.55%

Max EPS beat(4)8.66%

EPS beat(8)5

Avg EPS beat(8)-0.83%

EPS beat(12)6

Avg EPS beat(12)-1.07%

EPS beat(16)8

Avg EPS beat(16)1.56%

Revenue beat(2)0

Avg Revenue beat(2)-4.29%

Min Revenue beat(2)-7.38%

Max Revenue beat(2)-1.2%

Revenue beat(4)0

Avg Revenue beat(4)-3.57%

Min Revenue beat(4)-7.38%

Max Revenue beat(4)-1.2%

Revenue beat(8)0

Avg Revenue beat(8)-5.26%

Revenue beat(12)2

Avg Revenue beat(12)-3.76%

Revenue beat(16)3

Avg Revenue beat(16)-3.19%

PT rev (1m)-7.28%

PT rev (3m)-7.28%

EPS NQ rev (1m)0%

EPS NQ rev (3m)0.64%

EPS NY rev (1m)-0.15%

EPS NY rev (3m)-0.15%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0.01%

Revenue NY rev (1m)-0.8%

Revenue NY rev (3m)-0.93%

Valuation

		Industry Rank	Sector Rank
PE	11.64
Fwd PE	11.83
P/S	3.35
P/FCF	12.6
P/OCF	12.07
P/B	1.08
P/tB	1.46
EV/EBITDA	N/A

EPS(TTM)3.46

EY8.59%

EPS(NY)3.4

Fwd EY8.45%

FCF(TTM)3.2

FCFY7.94%

OCF(TTM)3.34

OCFY8.28%

SpS12.04

BVpS37.12

TBVpS27.67

PEG (NY)N/A

PEG (5Y)4.02

Profitability

		Industry Rank	Sector Rank
ROA	1.19%
ROE	9.41%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	29.02%
GM	N/A
FCFM	26.56%

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-Score6

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0.16
Debt/FCF	1.81
Debt/EBITDA	N/A
Cap/Depr	45.04%
Cap/Sales	1.15%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	91.54%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACC12.12%

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)-1.7%

EPS 3Y-4.16%

EPS 5Y2.89%

EPS Q2Q%12.82%

EPS Next Y-1.62%

EPS Next 2Y3.71%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-5.29%

Revenue growth 3Y5.7%

Revenue growth 5Y4.97%

Sales Q2Q%-2.57%

Revenue Next Year3.5%

Revenue Next 2Y4.43%

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 1Y-21.53%

FCF growth 3Y-6.59%

FCF growth 5Y1.32%

OCF growth 1Y-21.01%

OCF growth 3Y-6.03%

OCF growth 5Y1.31%

TRICO BANCSHARES (TCBK) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens