TRICO BANCSHARES (TCBK) Fundamental Analysis & Valuation

NASDAQ:TCBK • US8960951064

Current stock price

46.64 USD
+0.69 (+1.5%)
At close:
46.64 USD
0 (0%)
After Hours:

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.
  • In the past year TCBK had a positive cash flow from operations.
  • In the past 5 years TCBK has always been profitable.
  • TCBK had a positive operating cash flow in 4 of the past 5 years.
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 1.18%, TCBK is in the better half of the industry, outperforming 74.02% of the companies in the same industry.
  • The Return On Equity of TCBK (8.97%) is comparable to the rest of the industry.
Industry RankSector Rank
ROA 1.18%
ROE 8.97%
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

  • With a decent Profit Margin value of 28.52%, TCBK is doing good in the industry, outperforming 70.34% of the companies in the same industry.
  • TCBK's Profit Margin has improved 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) 28.52%
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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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.
  • TCBK has more shares outstanding than it did 5 years ago.
  • TCBK has a better debt/assets ratio than last year.
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 0.50. This is a very positive value and a sign of high solvency as it would only need 0.50 years to pay back of all of its debts.
  • The Debt to FCF ratio of TCBK (0.50) is better than 80.84% of its industry peers.
  • TCBK has a Debt/Equity ratio of 0.04. This is a healthy value indicating a solid balance between debt and equity.
  • With an excellent Debt to Equity ratio value of 0.04, TCBK belongs to the best of the industry, outperforming 80.84% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF 0.5
Altman-Z N/A
ROIC/WACCN/A
WACC11.74%
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

  • The Earnings Per Share has been growing slightly by 7.23% over the past year.
  • Measured over the past years, TCBK shows a quite strong growth in Earnings Per Share. The EPS has been growing by 11.43% on average per year.
  • Looking at the last year, TCBK shows a small growth in Revenue. The Revenue has grown by 5.90% in the last year.
  • Measured over the past years, TCBK shows a small growth in Revenue. The Revenue has been growing by 6.02% on average per year.
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

  • Based on estimates for the next years, TCBK will show a small growth in Earnings Per Share. The EPS will grow by 7.55% on average per year.
  • Based on estimates for the next years, TCBK will show a small growth in Revenue. The Revenue will grow by 5.53% on average per year.
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

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
  • 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 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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4

4. TCBK Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 12.57, which indicates a correct valuation of TCBK.
  • TCBK's Price/Earnings ratio is in line with the industry average.
  • TCBK's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.73.
  • TCBK is valuated reasonably with a Price/Forward Earnings ratio of 11.33.
  • 62.73% of the companies in the same industry are cheaper than TCBK, based on the Price/Forward Earnings ratio.
  • The average S&P500 Price/Forward Earnings ratio is at 23.72. TCBK is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 12.57
Fwd PE 11.33
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

  • The rest of the industry has a similar Price/Free Cash Flow ratio as TCBK.
Industry RankSector Rank
P/FCF 12.87
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

  • TCBK's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.15
PEG (5Y)1.1
EPS Next 2Y7.55%
EPS Next 3YN/A

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

7

5. TCBK Dividend Analysis

5.1 Amount

  • TCBK has a Yearly Dividend Yield of 3.04%.
  • Compared to an average industry Dividend Yield of 2.90, TCBK has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.91, TCBK pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.04%

5.2 History

  • The dividend of TCBK is nicely growing with an annual growth rate of 9.93%!
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • 37.83% 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.
DP37.83%
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

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TCBK Fundamentals: All Metrics, Ratios and Statistics

TRICO BANCSHARES

NASDAQ:TCBK (3/19/2026, 8:00:01 PM)

After market: 46.64 0 (0%)

46.64

+0.69 (+1.5%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-22
Inst Owners70.94%
Inst Owner Change1.72%
Ins Owners4.73%
Ins Owner Change0.45%
Market Cap1.51B
Revenue(TTM)419.18M
Net Income(TTM)116.96M
Analysts78.33
Price Target56.92 (22.04%)
Short Float %2.16%
Short Ratio4.17
Dividend
Industry RankSector Rank
Dividend Yield 3.04%
Yearly Dividend1.32
Dividend Growth(5Y)9.93%
DP37.83%
Div Incr Years12
Div Non Decr Years13
Ex-Date03-06
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)6.81%
Min EPS beat(2)1.54%
Max EPS beat(2)12.07%
EPS beat(4)4
Avg EPS beat(4)5.58%
Min EPS beat(4)0.04%
Max EPS beat(4)12.07%
EPS beat(8)7
Avg EPS beat(8)3.91%
EPS beat(12)8
Avg EPS beat(12)-0.1%
EPS beat(16)10
Avg EPS beat(16)0.16%
Revenue beat(2)1
Avg Revenue beat(2)-0.52%
Min Revenue beat(2)-1.52%
Max Revenue beat(2)0.48%
Revenue beat(4)1
Avg Revenue beat(4)-2.83%
Min Revenue beat(4)-7.38%
Max Revenue beat(4)0.48%
Revenue beat(8)1
Avg Revenue beat(8)-3.26%
Revenue beat(12)1
Avg Revenue beat(12)-3.84%
Revenue beat(16)4
Avg Revenue beat(16)-3.03%
PT rev (1m)0%
PT rev (3m)13.11%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.17%
EPS NY rev (1m)-0.81%
EPS NY rev (3m)1.61%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.28%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.12%
Valuation
Industry RankSector Rank
PE 12.57
Fwd PE 11.33
P/S 3.68
P/FCF 12.87
P/OCF 12.25
P/B 1.16
P/tB 1.52
EV/EBITDA N/A
EPS(TTM)3.71
EY7.95%
EPS(NY)4.11
Fwd EY8.82%
FCF(TTM)3.62
FCFY7.77%
OCF(TTM)3.81
OCFY8.16%
SpS12.69
BVpS40.34
TBVpS30.77
PEG (NY)1.15
PEG (5Y)1.1
Graham Number58.03
Profitability
Industry RankSector Rank
ROA 1.18%
ROE 8.97%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 28.52%
GM N/A
FCFM 28.57%
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-Score9
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF 0.5
Debt/EBITDA N/A
Cap/Depr 68.36%
Cap/Sales 1.44%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 100.19%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC11.74%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
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 1Y-0.46%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y0.92%
OCF growth 3YN/A
OCF growth 5YN/A

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.


What is the profitability of TCBK stock?

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


Can you provide the PE and PB ratios for TCBK stock?

The Price/Earnings (PE) ratio for TRICO BANCSHARES (TCBK) is 12.57 and the Price/Book (PB) ratio is 1.16.


What is the financial health of TRICO BANCSHARES (TCBK) stock?

The financial health rating of TRICO BANCSHARES (TCBK) is 4 / 10.