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TRICO BANCSHARES (TCBK) Stock Fundamental Analysis

NASDAQ:TCBK - Nasdaq - US8960951064 - Common Stock - Currency: USD

38.51  -0.92 (-2.33%)

After market: 38.51 0 (0%)

Fundamental Rating

4

Taking everything into account, TCBK scores 4 out of 10 in our fundamental rating. TCBK was compared to 398 industry peers in the Banks industry. TCBK has a medium profitability rating, but doesn't score so well on its financial health evaluation. TCBK does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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.
In the past 5 years TCBK has always 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 has a Return On Assets of 1.19%. This is in the better half of the industry: TCBK outperforms 77.64% of its industry peers.
Looking at the Return On Equity, with a value of 9.41%, TCBK is in the better half of the industry, outperforming 61.06% of the companies in the same industry.
Industry RankSector 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
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

The Profit Margin of TCBK (29.02%) is better than 80.15% of its industry peers.
TCBK's Profit Margin has been stable in the last couple of years.
The Operating Margin and Gross Margin are not available for TCBK so they could not be analyzed.
Industry RankSector 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
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

3

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.
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 1.81. 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 has a Debt to FCF ratio (1.81) which is in line with 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 55.03% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.16
Debt/FCF 1.81
Altman-Z N/A
ROIC/WACCN/A
WACC12.16%
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

3

3. Growth

3.1 Past

The earnings per share for TCBK have decreased by -1.70% in the last year.
Measured over the past 5 years, TCBK shows a small growth in Earnings Per Share. The EPS has been growing by 2.89% on average per year.
Looking at the last year, TCBK shows a decrease in Revenue. The Revenue has decreased by -5.29% in the last 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)-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.
Based on estimates for the next years, TCBK will show a small growth in Revenue. The Revenue will grow by 4.99% on average per year.
EPS Next Y-1.62%
EPS Next 2Y3.71%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year4.34%
Revenue Next 2Y4.99%
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.
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 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 1 2 3

3

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 11.13 indicates a reasonable 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 28.78. TCBK is valued rather cheaply when compared to this.
TCBK is valuated reasonably with a Price/Forward Earnings ratio of 11.31.
Based on the Price/Forward Earnings ratio, TCBK is valued a bit more expensive than the industry average as 63.07% of the companies are valued more cheaply.
TCBK is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 21.32, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 11.13
Fwd PE 11.31
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 12.05
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

PEG (NY)N/A
PEG (5Y)3.85
EPS Next 2Y3.71%
EPS Next 3YN/A

6

5. Dividend

5.1 Amount

TCBK has a Yearly Dividend Yield of 3.35%.
TCBK's Dividend Yield is comparable with the industry average which is at 3.52.
Compared to an average S&P500 Dividend Yield of 2.46, TCBK pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 3.35%

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
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

38.00% 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%
EPS Next 2Y3.71%
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 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

TRICO BANCSHARES

NASDAQ:TCBK (4/25/2025, 8:00:00 PM)

After market: 38.51 0 (0%)

38.51

-0.92 (-2.33%)

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-46.19%
Ins Owners4.65%
Ins Owner Change-0.19%
Market Cap1.27B
Analysts78.33
Price Target49.3 (28.02%)
Short Float %1.52%
Short Ratio3.69
Dividend
Industry RankSector Rank
Dividend Yield 3.35%
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)-3.97%
PT rev (3m)-6.75%
EPS NQ rev (1m)0.64%
EPS NQ rev (3m)1.99%
EPS NY rev (1m)-0.15%
EPS NY rev (3m)0.23%
Revenue NQ rev (1m)0.01%
Revenue NQ rev (3m)0.93%
Revenue NY rev (1m)-0.13%
Revenue NY rev (3m)0.57%
Valuation
Industry RankSector Rank
PE 11.13
Fwd PE 11.31
P/S 3.2
P/FCF 12.05
P/OCF 11.55
P/B 1.04
P/tB 1.39
EV/EBITDA N/A
EPS(TTM)3.46
EY8.98%
EPS(NY)3.4
Fwd EY8.84%
FCF(TTM)3.2
FCFY8.3%
OCF(TTM)3.34
OCFY8.66%
SpS12.04
BVpS37.12
TBVpS27.67
PEG (NY)N/A
PEG (5Y)3.85
Profitability
Industry RankSector 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 RankSector 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
WACC12.16%
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 Year4.34%
Revenue Next 2Y4.99%
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%