TRICO BANCSHARES(NASDAQ:TCBK) stock Fundamental Analysis

Fundamental Rating

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.

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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.

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 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

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

ROIC/WACCN/A

WACC12.16%

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.

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.

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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 Rank	Sector Rank
PE	11.13
Fwd PE	11.31

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	12.05
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)3.85

EPS Next 2Y3.71%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

TCBK has a Yearly Dividend Yield of 3.35%.

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 Rank	Sector 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

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

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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 Rank	Sector 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 Rank	Sector 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 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

WACC12.16%

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%

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