TCBK Fundamental Analysis - TRICO BANCSHARES

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. While TCBK is still in line with the averages on profitability rating, there are concerns on its financial health. TCBK does not seem to be growing, but still is valued expensively.

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1. Profitability

1.1 Basic Checks

TCBK had positive earnings in the past year.

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

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

The Return On Assets of TCBK (1.16%) is better than 76.96% of its industry peers.

TCBK has a Return On Equity of 9.04%. This is comparable to the rest of the industry: TCBK outperforms 55.95% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.16%
ROE	9.04%
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

TCBK's Profit Margin of 28.66% is fine compared to the rest of the industry. TCBK outperforms 77.72% 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 Rank	Sector Rank
OM	N/A
PM (TTM)	28.66%
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.

TCBK has more shares outstanding than it did 5 years ago.

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

2.2 Solvency

The Debt to FCF ratio of TCBK is 1.86, which is an excellent value as it means it would take TCBK, only 1.86 years of fcf income to pay off all of its debts.

With a Debt to FCF ratio value of 1.86, TCBK perfoms like the industry average, outperforming 51.14% of the companies in the same industry.

TCBK has a Debt/Equity ratio of 0.15. This is a healthy value indicating a solid balance between debt and equity.

TCBK has a Debt to Equity ratio (0.15) which is in line with its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.15
Debt/FCF	1.86
Altman-Z	N/A

ROIC/WACCN/A

WACC12.36%

2.3 Liquidity

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

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 4.57% over the past 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 -3.32% 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)4.57%

EPS 3Y-4.16%

EPS 5Y2.89%

EPS Q2Q%-3.61%

Revenue 1Y (TTM)-3.32%

Revenue growth 3Y5.7%

Revenue growth 5Y4.97%

Sales Q2Q%0.11%

3.2 Future

TCBK is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 2.90% yearly.

TCBK is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.43% yearly.

EPS Next Y-2.48%

EPS Next 2Y2.9%

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

The EPS growth rate is stable: in the next years the growth will be about the same 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.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 12.53 indicates a correct valuation of TCBK.

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

Compared to an average S&P500 Price/Earnings ratio of 27.28, TCBK is valued rather cheaply.

With a Price/Forward Earnings ratio of 11.73, the valuation of TCBK can be described as very reasonable.

Based on the Price/Forward Earnings ratio, TCBK is valued a bit more expensive than 63.04% of the companies in the same industry.

When comparing the Price/Forward Earnings ratio of TCBK to the average of the S&P500 Index (21.76), we can say TCBK is valued slightly cheaper.

		Industry Rank	Sector Rank
PE	12.53
Fwd PE	11.73

4.2 Price Multiples

TCBK's Price/Free Cash Flow ratio is in line with the industry average.

		Industry Rank	Sector Rank
P/FCF	13.59
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)4.33

EPS Next 2Y2.9%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.21%, TCBK has a reasonable but not impressive dividend return.

Compared to an average industry Dividend Yield of 3.47, TCBK has a dividend in line with its industry peers.

TCBK's Dividend Yield is a higher than the S&P500 average which is at 2.42.

		Industry Rank	Sector Rank
Dividend Yield	3.21%

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 its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.

Dividend Growth(5Y)9.93%

Div Incr Years12

Div Non Decr Years13

5.3 Sustainability

TCBK pays out 38.38% 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.

DP38.38%

EPS Next 2Y2.9%

EPS Next 3YN/A

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TRICO BANCSHARES

NASDAQ:TCBK (7/3/2025, 11:11:00 AM)

42.97

+0.55 (+1.3%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-24 2025-04-24/bmo

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

Inst Owners67.24%

Inst Owner Change0.84%

Ins Owners4.6%

Ins Owner Change1.44%

Market Cap1.41B

Analysts78.33

Price Target47.6 (10.77%)

Short Float %1.84%

Short Ratio5.27

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.21%

Yearly Dividend1.32

Dividend Growth(5Y)9.93%

DP38.38%

Div Incr Years12

Div Non Decr Years13

Ex-Date06-06 2025-06-06 (0.33)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)4.35%

Min EPS beat(2)0.04%

Max EPS beat(2)8.66%

EPS beat(4)4

Avg EPS beat(4)5.84%

Min EPS beat(4)0.04%

Max EPS beat(4)8.66%

EPS beat(8)6

Avg EPS beat(8)-0.21%

EPS beat(12)6

Avg EPS beat(12)-1.99%

EPS beat(16)8

Avg EPS beat(16)-0.87%

Revenue beat(2)0

Avg Revenue beat(2)-5.15%

Min Revenue beat(2)-7.38%

Max Revenue beat(2)-2.93%

Revenue beat(4)0

Avg Revenue beat(4)-3.43%

Min Revenue beat(4)-7.38%

Max Revenue beat(4)-1.2%

Revenue beat(8)0

Avg Revenue beat(8)-4.66%

Revenue beat(12)2

Avg Revenue beat(12)-3.59%

Revenue beat(16)3

Avg Revenue beat(16)-3.31%

PT rev (1m)0%

PT rev (3m)-7.28%

EPS NQ rev (1m)0%

EPS NQ rev (3m)-0.55%

EPS NY rev (1m)0%

EPS NY rev (3m)-1.03%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-0.81%

Revenue NY rev (1m)0%

Revenue NY rev (3m)-0.93%

Valuation

		Industry Rank	Sector Rank
PE	12.53
Fwd PE	11.73
P/S	3.57
P/FCF	13.59
P/OCF	12.94
P/B	1.12
P/tB	1.49
EV/EBITDA	N/A

EPS(TTM)3.43

EY7.98%

EPS(NY)3.66

Fwd EY8.53%

FCF(TTM)3.16

FCFY7.36%

OCF(TTM)3.32

OCFY7.73%

SpS12.05

BVpS38.21

TBVpS28.76

PEG (NY)N/A

PEG (5Y)4.33

Profitability

		Industry Rank	Sector Rank
ROA	1.16%
ROE	9.04%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	28.66%
GM	N/A
FCFM	26.25%

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	0.15
Debt/FCF	1.86
Debt/EBITDA	N/A
Cap/Depr	54.09%
Cap/Sales	1.32%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	91.58%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACC12.36%

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)4.57%

EPS 3Y-4.16%

EPS 5Y2.89%

EPS Q2Q%-3.61%

EPS Next Y-2.48%

EPS Next 2Y2.9%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-3.32%

Revenue growth 3Y5.7%

Revenue growth 5Y4.97%

Sales Q2Q%0.11%

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-36.2%

FCF growth 3Y-6.59%

FCF growth 5Y1.32%

OCF growth 1Y-34.69%

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

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