Trico Bancshares (TCBK) AI Stock Analysis

• Market Cap: $1.59B
• Dividend Yield: 2.83%
• Average Volume (3M): 89.85K
• Price to Earnings (P/E): 13.7
• Beta (1Y): 0.84
• Revenue Growth: 0.93%
• EPS Growth: 5.65%
• Country: US
• Employees: 1,194
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 1.04
• Shares Outstanding: 32,511,646
• 10 Day Avg. Volume: 83,112
• 30 Day Avg. Volume: 89,849
• PEG Ratio: -8.89
• Price to Book (P/B): 1.18
• Price to Sales (P/S): 2.76
• P/FCF Ratio: 13.75
• Enterprise Value/Market Cap: 0.73
• Enterprise Value/Revenue: 2.20
• Enterprise Value/Gross Profit: 2.96
• Enterprise Value/Ebitda: 6.72
• 1Y Price Target: $50.00
• Price Target Upside: 2.56% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 4
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 78 Outperform
• Price Target: $55.00 ▲(12.82% Upside)

Trico Bancshares' strong financial performance and positive corporate events are the primary drivers of its stock score. The technical analysis supports a bullish trend, while the valuation is fair. The company's consistent dividend payments and robust earnings growth further enhance its attractiveness.

Positive Factors

Revenue Growth

High profit margins and consistent revenue growth indicate robust business expansion, supporting long-term financial health and market competitiveness.

Cash Generation

Strong cash flow growth enhances financial flexibility, enabling strategic investments and resilience against economic fluctuations.

Dividend Stability

Consistent dividend payments reflect financial stability and a commitment to shareholder returns, reinforcing investor confidence.

Negative Factors

Operational Efficiency

Challenges in operational efficiency and cash conversion could hinder profitability and limit the company's ability to optimize resource allocation.

Deposit Balance Decline

Declining deposit balances may impact the bank's ability to fund loans and maintain liquidity, posing a risk to future growth.

Profit Margin Pressure

Decreasing profit margins could indicate rising costs, which may affect long-term profitability and necessitate cost management strategies.

Trico Bancshares Business Overview & Revenue Model

Company Description

TriCo Bancshares operates as a bank holding company for Tri Counties Bank that provides commercial banking services to individual and corporate customers. The company accepts demand, savings, and time deposits. It also provides small business loans; real estate mortgage loans, such as residential and commercial loans; consumer loans; commercial loans, including agricultural loans; and real estate construction loans. In addition, the company offers treasury management services; and other customary banking services, including safe deposit boxes; and independent financial and broker-dealer services. It operates 61 traditional branches, 7 in-store branches, and 7 loan production offices in 31 counties throughout California. The company was founded in 1975 and is headquartered in Chico, California.

How the Company Makes Money

Trico Bancshares generates revenue primarily through interest income from loans, which constitutes the largest segment of its earnings. The bank extends various types of loans, including commercial, consumer, and real estate loans, charging interest that contributes significantly to overall revenue. Additionally, the company earns non-interest income from service fees, account maintenance charges, and investment management services. Strategic partnerships with local businesses and community organizations enhance its customer base and drive deposits, which are crucial for funding loans and generating interest income. Moreover, asset management and investment services provide additional revenue streams, allowing the bank to diversify its income sources.

Trico Bancshares Financial Statement Overview

Summary

Trico Bancshares demonstrates strong profitability and efficient operations, with healthy margins and effective equity utilization. However, recent revenue and free cash flow declines highlight potential challenges in sustaining growth. The company's low leverage provides financial stability, but careful management of cash flows will be crucial moving forward.

Income Statement

Trico Bancshares shows strong profitability with consistent gross and net profit margins. However, recent revenue growth has been negative, indicating potential challenges in maintaining top-line growth. The EBIT and EBITDA margins remain healthy, suggesting operational efficiency despite the revenue decline.

Balance Sheet

The company maintains a low debt-to-equity ratio, indicating prudent financial leverage. Return on equity is solid, reflecting effective use of equity capital. However, the equity ratio suggests a moderate reliance on debt financing, which could pose risks if not managed carefully.

Cash Flow

Operating cash flow remains positive, but the growth rate of free cash flow has been negative recently, which may impact future liquidity. The company has a strong free cash flow to net income ratio, indicating good cash conversion from earnings.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	527.38M	523.97M	492.81M	412.05M	334.90M	317.18M
Gross Profit	392.05M	382.13M	387.14M	384.05M	336.17M	264.91M
EBITDA	173.00M	171.17M	179.75M	192.29M	180.98M	104.99M
Net Income	116.96M	114.87M	117.39M	125.42M	117.66M	64.81M
Balance Sheet
Total Assets	9.88B	9.67B	9.91B	9.93B	8.61B	7.64B
Cash, Cash Equivalents and Short-Term Investments	298.94M	152.79M	2.25B	2.56B	2.98B	2.08B
Total Debt	85.96M	216.24M	794.52M	442.55M	184.53M	139.44M
Total Liabilities	8.57B	8.45B	8.75B	8.88B	7.61B	6.71B
Stockholders Equity	1.30B	1.22B	1.16B	1.05B	1.00B	925.11M
Cash Flow
Free Cash Flow	117.18M	105.15M	134.00M	159.27M	129.01M	111.99M
Operating Cash Flow	123.07M	109.71M	138.89M	162.90M	132.21M	114.80M
Investing Cash Flow	-63.59M	285.00M	28.57M	-723.22M	-883.81M	-816.33M
Financing Cash Flow	-80.78M	-348.45M	-175.98M	-100.86M	850.47M	1.09B

Trico Bancshares Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 48.75
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For TCBK, the sentiment is Neutral. The current price of 48.75 is below the 20-day moving average (MA) of 48.90, above the 50-day MA of 45.91, and above the 200-day MA of 42.05, indicating a neutral trend. The MACD of 0.99 indicates Positive momentum. The RSI at 55.07 is Neutral, neither overbought nor oversold. The STOCH value of 35.19 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for TCBK.

Trico Bancshares Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
STBA	80 Outperform	$1.58B	11.78	9.35%	3.35%	-1.48%	-1.58%
NBHC	79 Outperform	$1.49B	12.36	9.06%	3.04%	-2.46%	-1.98%
TCBK	78 Outperform	$1.59B	13.74	9.20%	2.83%	0.93%	5.65%
GABC	73 Outperform	$1.52B	14.03	10.75%	2.87%	30.45%	3.13%
MBIN	72 Outperform	$1.61B	7.74	11.84%	1.19%	-2.45%	-28.20%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
TFIN	67 Neutral	$1.55B	226.26	1.11%	―	2.04%	-64.17%

Trico Bancshares Corporate Events

TriCo Bancshares Declares Quarterly Dividend Payment

On November 20, 2025, TriCo Bancshares declared a quarterly cash dividend of $0.36 per share, marking its 145th consecutive dividend payment. This announcement underscores the company’s continued financial stability and commitment to rewarding its shareholders, with the dividend payable on December 19, 2025, to shareholders of record as of December 5, 2025.

TriCo Bancshares Reports Strong Q3 2025 Earnings Growth

TriCo Bancshares, a financial institution based in Chico, California, reported a net income of $34.0 million for the third quarter of 2025, marking a significant increase from the previous quarter and the same period last year. The company’s financial performance was bolstered by an increase in net interest income and loan balances, despite a decrease in deposit balances. The management anticipates continued growth and positive operating leverage, with a focus on executing long-term strategies and maintaining a strong loan-to-deposit ratio, which is expected to drive future revenue and earnings growth.