Trico Bancshares (TCBK) AI Stock Analysis

• Market Cap: $1.45B
• Dividend Yield: 2.76%
• Average Volume (3M): 89.85K
• Price to Earnings (P/E): 12.5
• Beta (1Y): 0.97
• 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: 32,558,975
• 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: 0.80
• Enterprise Value/Revenue: 2.20
• Enterprise Value/Gross Profit: 2.96
• Enterprise Value/Ebitda: 6.72
• 1Y Price Target: $49.50
• Price Target Upside: 1.94% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 4
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 79 Outperform
• Price Target: $51.00 ▲(5.02% Upside)

Trico Bancshares is well-positioned with strong financial performance, characterized by robust revenue growth and high profitability margins. The technical indicators suggest a positive market trend, and the valuation is fair with an attractive dividend yield. These factors collectively contribute to a solid overall stock score.

Positive Factors

Net Interest Margin Improvement

The improvement in net interest margin indicates effective management of interest-earning assets and liabilities, enhancing profitability and supporting future revenue growth.

Tangible Book Value Growth

Growth in tangible book value per share reflects the company's ability to increase shareholder equity, providing a stronger foundation for future financial stability and growth.

Loan Production and Origination

Increasing loan production and origination activities suggest expanding business operations and potential for higher future interest income, driving long-term revenue growth.

Negative Factors

Revenue Growth Challenges

Negative revenue growth highlights difficulties in expanding market share or product adoption, which could impact long-term profitability and competitive positioning.

Free Cash Flow Decline

A decline in free cash flow growth may affect liquidity and the ability to invest in growth opportunities, potentially limiting future expansion and operational flexibility.

Moderate Debt Reliance

Moderate reliance on debt could pose risks if not managed carefully, potentially affecting financial stability and increasing vulnerability to interest rate changes.

Trico Bancshares Business Overview & Revenue Model

Company Description

Trico Bancshares (TCBK) is a financial holding company based in the United States that primarily operates through its subsidiary, Tri Counties Bank. The company provides a range of banking and financial services, including personal and commercial banking, mortgages, and investment services. Trico Bancshares focuses on serving the needs of individuals, businesses, and communities across Northern and Central California, emphasizing customer service and community engagement.

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: Positive
• Last Price: 48.56
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For TCBK, the sentiment is Positive. The current price of 48.56 is above the 20-day moving average (MA) of 46.35, above the 50-day MA of 44.65, and above the 200-day MA of 41.84, indicating a bullish trend. The MACD of 1.23 indicates Negative momentum. The RSI at 71.14 is Negative, neither overbought nor oversold. The STOCH value of 89.11 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for TCBK.

Trico Bancshares Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
TCBK	79 Outperform	$1.45B	12.52	9.20%	2.76%	0.93%	5.65%
STBA	79 Outperform	$1.43B	10.74	9.35%	3.46%	-1.48%	-1.58%
NBHC	77 Outperform	$1.36B	11.35	9.06%	3.20%	-2.46%	-1.98%
GABC	68 Neutral	$1.47B	13.68	10.75%	2.94%	30.45%	3.13%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
MBIN	63 Neutral	$1.44B	7.24	11.84%	1.25%	-2.45%	-28.20%
TFIN	57 Neutral	$1.29B	191.08	1.11%	―	2.04%	-64.17%

Trico Bancshares Corporate Events

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.

The most recent analyst rating on (TCBK) stock is a Hold with a $46.00 price target. To see the full list of analyst forecasts on Trico Bancshares stock, see the TCBK Stock Forecast page.

TriCo Bancshares Announces Increased Quarterly Dividend

On August 21, 2025, TriCo Bancshares announced a quarterly cash dividend of $0.36 per share, marking a 9.1% increase from the previous quarter. This increase, payable on September 19, 2025, reflects the company’s growth expectations and continues its 144th consecutive quarterly dividend, highlighting management’s confidence in future earnings growth.

The most recent analyst rating on (TCBK) stock is a Buy with a $47.00 price target. To see the full list of analyst forecasts on Trico Bancshares stock, see the TCBK Stock Forecast page.