TRICO BANCSHARES (TCBK) Fundamental Analysis & Valuation

NASDAQ:TCBK • US8960951064

Current stock price

50.17 USD
-0.31 (-0.61%)
Last:

This TCBK fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. TCBK Profitability Analysis

1.1 Basic Checks

  • In the past year TCBK was profitable.
  • TCBK had a positive operating cash flow in the past year.
  • In the past 5 years TCBK has always been profitable.
  • In the past 5 years TCBK always reported a positive cash flow from operatings.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 1.24%, TCBK is in the better half of the industry, outperforming 76.39% of the companies in the same industry.
  • The Return On Equity of TCBK (9.15%) is comparable to the rest of the industry.
Industry RankSector Rank
ROA 1.24%
ROE 9.15%
ROIC N/A
ROA(3y)1.2%
ROA(5y)1.25%
ROE(3y)9.56%
ROE(5y)10.49%
ROIC(3y)N/A
ROIC(5y)N/A
TCBK Yearly ROA, ROE, ROICTCBK Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • The Profit Margin of TCBK (29.00%) is better than 69.23% of its industry peers.
  • In the last couple of years the Profit Margin of TCBK has grown nicely.
  • 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) 29%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-1.84%
PM growth 5Y6.97%
GM growth 3YN/A
GM growth 5YN/A
TCBK Yearly Profit, Operating, Gross MarginsTCBK Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. TCBK Health Analysis

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
  • The debt/assets ratio for TCBK has been reduced compared to a year ago.
TCBK Yearly Shares OutstandingTCBK Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M
TCBK Yearly Total Debt VS Total AssetsTCBK Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B

2.2 Solvency

  • TCBK has a debt to FCF ratio of 0.41. This is a very positive value and a sign of high solvency as it would only need 0.41 years to pay back of all of its debts.
  • TCBK has a better Debt to FCF ratio (0.41) than 83.02% of its industry peers.
  • A Debt/Equity ratio of 0.04 indicates that TCBK is not too dependend on debt financing.
  • TCBK has a better Debt to Equity ratio (0.04) than 83.02% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF 0.41
Altman-Z N/A
ROIC/WACCN/A
WACC13.48%
TCBK Yearly LT Debt VS Equity VS FCFTCBK Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. TCBK Growth Analysis

3.1 Past

  • TCBK shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 7.23%.
  • The Earnings Per Share has been growing by 11.43% on average over the past years. This is quite good.
  • TCBK shows a small growth in Revenue. In the last year, the Revenue has grown by 5.90%.
  • TCBK shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.02% yearly.
EPS 1Y (TTM)7.23%
EPS 3Y-1.4%
EPS 5Y11.43%
EPS Q2Q%17.05%
Revenue 1Y (TTM)5.9%
Revenue growth 3Y0.82%
Revenue growth 5Y6.02%
Sales Q2Q%16.94%

3.2 Future

  • The Earnings Per Share is expected to grow by 7.55% on average over the next years.
  • The Revenue is expected to grow by 5.53% on average over the next years.
EPS Next Y10.91%
EPS Next 2Y7.55%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year6.6%
Revenue Next 2Y5.53%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less 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.
TCBK Yearly Revenue VS EstimatesTCBK Yearly Revenue VS EstimatesYearly Revenue VS Estimates 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3 4

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Find the best growth stocksShow best growing peers

4

4. TCBK Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 13.52, which indicates a correct valuation of TCBK.
  • TCBK's Price/Earnings is on the same level as the industry average.
  • TCBK is valuated cheaply when we compare the Price/Earnings ratio to 27.33, which is the current average of the S&P500 Index.
  • With a Price/Forward Earnings ratio of 12.19, TCBK is valued correctly.
  • 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 63.40% of the companies listed in the same industry.
  • When comparing the Price/Forward Earnings ratio of TCBK to the average of the S&P500 Index (38.16), we can say TCBK is valued rather cheaply.
Industry RankSector Rank
PE 13.52
Fwd PE 12.19
TCBK Price Earnings VS Forward Price EarningsTCBK Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • TCBK's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 12.61
EV/EBITDA N/A
TCBK Per share dataTCBK EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

4.3 Compensation for Growth

  • The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.24
PEG (5Y)1.18
EPS Next 2Y7.55%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. TCBK Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 2.82%, TCBK has a reasonable but not impressive dividend return.
  • TCBK's Dividend Yield is comparable with the industry average which is at 2.53.
  • TCBK's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 2.82%

5.2 History

  • The dividend of TCBK is nicely growing with an annual growth rate of 9.56%!
  • 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)9.56%
Div Incr Years13
Div Non Decr Years14
TCBK Yearly Dividends per shareTCBK Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • 37.04% 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.
DP37.04%
EPS Next 2Y7.55%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M
TCBK Dividend Payout.TCBK Dividend Payout, showing the Payout Ratio.TCBK Dividend Payout.PayoutRetained Earnings

More info and screens

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TCBK Fundamentals: All Metrics, Ratios and Statistics

TRICO BANCSHARES

NASDAQ:TCBK (4/15/2026, 11:39:07 AM)

50.17

-0.31 (-0.61%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-23
Inst Owners71.5%
Inst Owner Change0.03%
Ins Owners4.79%
Ins Owner Change0.61%
Market Cap1.61B
Revenue(TTM)419.18M
Net Income(TTM)121.56M
Analysts78.33
Price Target56.27 (12.16%)
Short Float %3.65%
Short Ratio6.58
Dividend
Industry RankSector Rank
Dividend Yield 2.82%
Yearly Dividend1.38
Dividend Growth(5Y)9.56%
DP37.04%
Div Incr Years13
Div Non Decr Years14
Ex-Date03-06
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)6.83%
Min EPS beat(2)1.59%
Max EPS beat(2)12.07%
EPS beat(4)4
Avg EPS beat(4)3.81%
Min EPS beat(4)0.04%
Max EPS beat(4)12.07%
EPS beat(8)8
Avg EPS beat(8)5.14%
EPS beat(12)9
Avg EPS beat(12)0.72%
EPS beat(16)10
Avg EPS beat(16)0.15%
Revenue beat(2)0
Avg Revenue beat(2)-1.23%
Min Revenue beat(2)-1.52%
Max Revenue beat(2)-0.95%
Revenue beat(4)1
Avg Revenue beat(4)-1.23%
Min Revenue beat(4)-2.93%
Max Revenue beat(4)0.48%
Revenue beat(8)1
Avg Revenue beat(8)-2.4%
Revenue beat(12)1
Avg Revenue beat(12)-3.92%
Revenue beat(16)3
Avg Revenue beat(16)-3.13%
PT rev (1m)-1.13%
PT rev (3m)11.07%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.65%
EPS NY rev (1m)0%
EPS NY rev (3m)1.61%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.63%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.12%
Valuation
Industry RankSector Rank
PE 13.52
Fwd PE 12.19
P/S 3.85
P/FCF 12.61
P/OCF 12.1
P/B 1.21
P/tB 1.58
EV/EBITDA N/A
EPS(TTM)3.71
EY7.39%
EPS(NY)4.11
Fwd EY8.2%
FCF(TTM)3.98
FCFY7.93%
OCF(TTM)4.15
OCFY8.26%
SpS13.04
BVpS41.31
TBVpS31.7
PEG (NY)1.24
PEG (5Y)1.18
Graham Number58.7201 (17.04%)
Profitability
Industry RankSector Rank
ROA 1.24%
ROE 9.15%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 29%
GM N/A
FCFM 30.52%
ROA(3y)1.2%
ROA(5y)1.25%
ROE(3y)9.56%
ROE(5y)10.49%
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
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-1.84%
PM growth 5Y6.97%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF 0.41
Debt/EBITDA N/A
Cap/Depr 64.31%
Cap/Sales 1.28%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 105.24%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC13.48%
ROIC/WACCN/A
Cap/Depr(3y)49.49%
Cap/Depr(5y)40.93%
Cap/Sales(3y)1.2%
Cap/Sales(5y)1.09%
Profit Quality(3y)103.64%
Profit Quality(5y)109.51%
High Growth Momentum
Growth
EPS 1Y (TTM)7.23%
EPS 3Y-1.4%
EPS 5Y11.43%
EPS Q2Q%17.05%
EPS Next Y10.91%
EPS Next 2Y7.55%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)5.9%
Revenue growth 3Y0.82%
Revenue growth 5Y6.02%
Sales Q2Q%16.94%
Revenue Next Year6.6%
Revenue Next 2Y5.53%
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 1Y21.67%
FCF growth 3Y-7.05%
FCF growth 5Y2.7%
OCF growth 1Y21.5%
OCF growth 3Y-6.47%
OCF growth 5Y3.03%

TRICO BANCSHARES / TCBK Fundamental Analysis FAQ

What is the fundamental rating for TCBK stock?

ChartMill assigns a fundamental rating of 4 / 10 to TCBK.


Can you provide the valuation status for TRICO BANCSHARES?

ChartMill assigns a valuation rating of 4 / 10 to TRICO BANCSHARES (TCBK). This can be considered as Fairly Valued.


How profitable is TRICO BANCSHARES (TCBK) stock?

TRICO BANCSHARES (TCBK) has a profitability rating of 4 / 10.


What is the earnings growth outlook for TRICO BANCSHARES?

The Earnings per Share (EPS) of TRICO BANCSHARES (TCBK) is expected to grow by 10.91% in the next year.


Is the dividend of TRICO BANCSHARES sustainable?

The dividend rating of TRICO BANCSHARES (TCBK) is 7 / 10 and the dividend payout ratio is 37.04%.