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TRICO BANCSHARES (TCBK) Stock Fundamental Analysis

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

42.58  -0.77 (-1.78%)

After market: 42.58 0 (0%)

Fundamental Rating

4

TCBK gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 393 industry peers in the Banks industry. TCBK has a medium profitability rating, but doesn't score so well on its financial health evaluation. TCBK has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M

1.2 Ratios

TCBK's Return On Assets of 1.16% is fine compared to the rest of the industry. TCBK outperforms 76.84% of its industry peers.
Looking at the Return On Equity, with a value of 9.04%, TCBK is in line with its industry, outperforming 56.74% of the companies in the same industry.
Industry RankSector 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
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

TCBK has a better Profit Margin (28.66%) than 77.86% of its industry peers.
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 RankSector 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
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

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3

2. Health

2.1 Basic Checks

TCBK does not have a ROIC to compare to the WACC, probably because it is not profitable.
TCBK has less shares outstanding than it did 1 year ago.
The number of shares outstanding for TCBK has been increased compared to 5 years ago.
The debt/assets ratio for TCBK has been reduced compared to a year ago.
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

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.
TCBK has a Debt to FCF ratio (1.86) which is comparable to the rest of the industry.
A Debt/Equity ratio of 0.15 indicates that TCBK is not too dependend on debt financing.
The Debt to Equity ratio of TCBK (0.15) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.15
Debt/FCF 1.86
Altman-Z N/A
ROIC/WACCN/A
WACC11.95%
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

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3

3. Growth

3.1 Past

The earnings per share for TCBK have decreased by 0.00% in the last year.
The Earnings Per Share has been growing slightly by 2.89% on average over the past years.
TCBK shows a decrease in Revenue. In the last year, the revenue decreased by -0.36%.
The Revenue has been growing slightly by 4.97% on average over the past years.
EPS 1Y (TTM)0%
EPS 3Y-4.16%
EPS 5Y2.89%
EPS Q2Q%-3.45%
Revenue 1Y (TTM)-0.36%
Revenue growth 3Y5.7%
Revenue growth 5Y4.97%
Sales Q2Q%5.87%

3.2 Future

The Earnings Per Share is expected to grow by 2.86% 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 4.19% on average per year.
EPS Next Y-2.48%
EPS Next 2Y2.86%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year5.79%
Revenue Next 2Y5.8%
Revenue Next 3Y4.19%
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.
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 2027 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

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3

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 12.52 indicates a correct valuation of TCBK.
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 26.87, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 11.63, 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 63.36% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 35.34, TCBK is valued rather cheaply.
Industry RankSector Rank
PE 12.52
Fwd PE 11.63
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 13.34
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)4.33
EPS Next 2Y2.86%
EPS Next 3YN/A

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6

5. Dividend

5.1 Amount

TCBK has a Yearly Dividend Yield of 3.23%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.54, 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 2.39.
Industry RankSector Rank
Dividend Yield 3.23%

5.2 History

On average, the dividend of TCBK grows each year by 9.93%, which is quite nice.
TCBK has been paying a dividend for at least 10 years, so it has 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 Years12
Div Non Decr Years13
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

TCBK pays out 38.38% of its income as dividend. This is a sustainable payout ratio.
The dividend of TCBK is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP38.38%
EPS Next 2Y2.86%
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

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TRICO BANCSHARES

NASDAQ:TCBK (8/15/2025, 8:00:01 PM)

After market: 42.58 0 (0%)

42.58

-0.77 (-1.78%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-24 2025-07-24/bmo
Earnings (Next)10-22 2025-10-22/amc
Inst Owners67.9%
Inst Owner Change0.84%
Ins Owners4.66%
Ins Owner Change1.44%
Market Cap1.39B
Analysts78.33
Price Target48.28 (13.39%)
Short Float %1.75%
Short Ratio5.26
Dividend
Industry RankSector Rank
Dividend Yield 3.23%
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)1.43%
PT rev (3m)-2.07%
EPS NQ rev (1m)0.1%
EPS NQ rev (3m)-0.12%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.87%
Revenue NQ rev (1m)0.02%
Revenue NQ rev (3m)0.02%
Revenue NY rev (1m)2.22%
Revenue NY rev (3m)1.4%
Valuation
Industry RankSector Rank
PE 12.52
Fwd PE 11.63
P/S 3.5
P/FCF 13.34
P/OCF 12.7
P/B 1.1
P/tB 1.47
EV/EBITDA N/A
EPS(TTM)3.4
EY7.98%
EPS(NY)3.66
Fwd EY8.6%
FCF(TTM)3.19
FCFY7.5%
OCF(TTM)3.35
OCFY7.87%
SpS12.16
BVpS38.57
TBVpS29.04
PEG (NY)N/A
PEG (5Y)4.33
Profitability
Industry RankSector 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 RankSector 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
WACC11.95%
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)0%
EPS 3Y-4.16%
EPS 5Y2.89%
EPS Q2Q%-3.45%
EPS Next Y-2.48%
EPS Next 2Y2.86%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-0.36%
Revenue growth 3Y5.7%
Revenue growth 5Y4.97%
Sales Q2Q%5.87%
Revenue Next Year5.79%
Revenue Next 2Y5.8%
Revenue Next 3Y4.19%
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%