Trico Bancshares (TCBK)
NASDAQ:TCBK
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Trico Bancshares
(NASDAQ:TCBK)
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Rating:79Outperform
Price Target:
$58.00
▲(15.31% Upside)
Action:Reiterated
Date:05/09/26
The score is driven primarily by strong financial performance (solid margins, materially improved leverage, and healthy cash conversion). Valuation is also supportive with a modest P/E and a meaningful dividend yield. Technicals are constructive with price above key moving averages and positive momentum, while recent corporate events reinforce shareholder returns and operating performance.
Positive Factors
Conservative balance sheet
Very low leverage and rising equity provide durable loss-absorption capacity and funding flexibility. A conservative balance sheet supports sustained lending through cycles, preserves regulatory headroom, and underpins the bank’s ability to maintain dividends and capital allocation over the next several quarters.
Negative Factors
Margin compression vs. prior peaks
Lower margins and an earnings mix shift relative to earlier cycle peaks reduce long-term profit leverage. If margins remain compressed, it constrains the bank’s ability to lift ROE organically and to expand net income without sustained loan growth or fee income improvement.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative balance sheet
Very low leverage and rising equity provide durable loss-absorption capacity and funding flexibility. A conservative balance sheet supports sustained lending through cycles, preserves regulatory headroom, and underpins the bank’s ability to maintain dividends and capital allocation over the next several quarters.
Read all positive factors
Trico Bancshares (TCBK) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$1.62B
Dividend Yield2.83%
Average Volume (3M)89.85K
Price to Earnings (P/E)11.4
Beta (1Y)0.88
Revenue Growth2.52%
EPS Growth15.48%
CountryUS
Employees1,194
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)3.98
Shares Outstanding31,910,590
10 Day Avg. Volume83,112
30 Day Avg. Volume89,849
Financial Highlights & Ratios
PEG Ratio1.76
Price to Book (P/B)1.16
Price to Sales (P/S)2.88
P/FCF Ratio12.01
Enterprise Value/Market Cap0.87
Enterprise Value/Revenue2.61
Enterprise Value/Gross Profit3.38
Enterprise Value/Ebitda7.42
Forecast
1Y Price Target
$63.00Price Target Upside25.25% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)4.14
Revenue Forecast (FY)$448.44M
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 loan...
How the Company Makes Money
Trico Bancshares makes money primarily through its banking subsidiary by (1) earning net interest income and (2) generating noninterest income from fees and service charges, while incurring operating expenses and provisioning for credit losses.
1...
Trico Bancshares Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
83
Very Positive
Cash Flow
74
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 539.88M | 533.31M | 523.97M | 492.81M | 412.05M | 334.90M |
| Gross Profit | 416.43M | 404.52M | 382.13M | 387.14M | 384.05M | 336.17M |
| EBITDA | 189.78M | 182.80M | 171.17M | 179.75M | 192.29M | 180.98M |
| Net Income | 128.88M | 121.56M | 114.87M | 117.39M | 125.42M | 117.66M |
Balance Sheet | ||||||
| Total Assets | 9.95B | 9.82B | 9.67B | 9.91B | 9.93B | 8.61B |
| Cash, Cash Equivalents and Short-Term Investments | 301.31M | 157.01M | 152.79M | 2.25B | 2.56B | 2.98B |
| Total Debt | 79.22M | 80.23M | 216.24M | 794.52M | 442.55M | 184.53M |
| Total Liabilities | 8.62B | 8.49B | 8.45B | 8.75B | 8.88B | 7.61B |
| Stockholders Equity | 1.32B | 1.33B | 1.22B | 1.16B | 1.05B | 1.00B |
Cash Flow | ||||||
| Free Cash Flow | 134.47M | 127.93M | 105.15M | 134.00M | 159.27M | 129.01M |
| Operating Cash Flow | 142.48M | 133.29M | 109.71M | 138.89M | 162.90M | 132.21M |
| Investing Cash Flow | -111.42M | -82.63M | 285.00M | 28.57M | -723.22M | -883.81M |
| Financing Cash Flow | -38.01M | -38.60M | -348.45M | -175.98M | -100.86M | 850.47M |
Trico Bancshares Technical Analysis
Positive
50.30
Price Trends
49.18
Positive
49.08
Positive
46.85
Positive
Market Momentum
0.19
Negative
55.79
Neutral
81.87
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 50.3 is above the 20-day moving average (MA) of 50.22, above the 50-day MA of 49.18, and above the 200-day MA of 46.85, indicating a bullish trend. The MACD of 0.19 indicates Negative momentum. The RSI at 55.79 is Neutral, neither overbought nor oversold. The STOCH value of 81.87 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for TCBK.
Trico Bancshares Risk Analysis
Trico Bancshares disclosed 44 risk factors in its most recent earnings report. Trico Bancshares reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Trico Bancshares Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
79 Outperform | $1.62B | 11.36 | 9.87% | 2.83% | 2.52% | 15.48% | |
78 Outperform | $1.61B | 11.13 | 9.35% | 3.38% | 2.41% | 3.01% | |
76 Outperform | $1.63B | 11.82 | 11.95% | 2.89% | 31.27% | 45.08% | |
69 Neutral | $1.88B | 17.98 | 7.35% | 3.07% | 3.09% | -7.54% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
64 Neutral | $1.59B | 55.83 | 3.40% | ― | 6.29% | 220.03% | |
59 Neutral | $2.11B | 7.27 | 10.12% | 1.19% | -5.09% | -24.74% |
* Financial Sector Average
TCBK
Trico Bancshares
50.68
11.64
29.83%
GABC
German American Bancorp
43.27
5.66
15.05%
STBA
S&T Bancorp
44.86
8.94
24.87%
TFIN
Triumph Financial
66.77
7.68
13.00%
NBHC
National Bank Holdings
42.03
6.11
17.00%
MBIN
Merchants Bancorp
45.99
13.31
40.72%
Trico Bancshares Corporate Events
Business Operations and StrategyStock BuybackFinancial Disclosures
TriCo Bancshares Posts Strong First-Quarter 2026 Earnings
Positive
Apr 23, 2026
TriCo Bancshares reported preliminary, unaudited first-quarter 2026 net income of $33.7 million, or $1.04 per diluted share, essentially flat versus the prior quarter but up 27.8% from the first quarter of 2025, supported by a 4.07% net interest m...
Dividends
TriCo Bancshares Declares 146th Consecutive Quarterly Dividend
Positive
Feb 23, 2026
On February 19, 2026, TriCo Bancshares’ board declared a quarterly cash dividend of $0.36 per share on its common stock, marking the company’s 146th consecutive quarterly cash dividend. The dividend, announced publicly on February 23, ...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.