Trico Bancshares (TCBK)
NASDAQ:TCBK
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Trico Bancshares
(NASDAQ:TCBK)
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Rating:70Outperform
Price Target:
$53.00
▲(5.77% Upside)
Action:ReiteratedDate:03/03/26
The score is driven primarily by solid financial performance (strengthened leverage profile, steady growth, and reliable cash generation), supported by reasonable valuation and positive shareholder-return actions (buyback/dividend). The main drag is weak near-term technical momentum with the stock trading below key moving averages and negative MACD.
Positive Factors
Improved balance-sheet leverage
A marked reduction in leverage materially strengthens loss-absorption capacity and liquidity. Lower debt-to-equity improves resilience to shocks, supports regulatory/commercial lending flexibility, and provides capacity for strategic investments or capital returns over the medium term.
Negative Factors
Sustained margin compression
Material decline in net margins reduces core earnings power and indicates structural pressure from funding costs, portfolio mix, or competitive pricing. Persistently lower margins compress ROE and limit the pace at which the bank can scale profitable growth without efficiency gains.
Read all positive and negative factors
Positive Factors
Negative Factors
Improved balance-sheet leverage
A marked reduction in leverage materially strengthens loss-absorption capacity and liquidity. Lower debt-to-equity improves resilience to shocks, supports regulatory/commercial lending flexibility, and provides capacity for strategic investments or capital returns over the medium term.
Read all positive factors
Trico Bancshares (TCBK) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$1.61B
Dividend Yield2.83%
Average Volume (3M)89.85K
Price to Earnings (P/E)12.6
Beta (1Y)0.89
Revenue Growth0.93%
EPS Growth5.65%
CountryUS
Employees1,194
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.03
Shares Outstanding32,150,630
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 Cap0.97
Enterprise Value/Revenue2.93
Enterprise Value/Gross Profit3.87
Enterprise Value/Ebitda8.56
Forecast
1Y Price Target
$55.75Price Target Upside11.26% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering4
EPS Forecast (FY)4.04
Revenue Forecast (FY)$448.02M
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 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 intere...
Trico Bancshares Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
78
Positive
Cash Flow
71
Positive
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 533.31M | 523.97M | 492.81M | 412.05M | 334.90M |
| Gross Profit | 404.52M | 382.13M | 387.14M | 384.05M | 336.17M |
| EBITDA | 182.80M | 171.17M | 179.75M | 192.29M | 180.98M |
| Net Income | 121.56M | 114.87M | 117.39M | 125.42M | 117.66M |
Balance Sheet | |||||
| Total Assets | 9.82B | 9.67B | 9.91B | 9.93B | 8.61B |
| Cash, Cash Equivalents and Short-Term Investments | 157.01M | 152.79M | 2.25B | 2.56B | 2.98B |
| Total Debt | 80.23M | 216.24M | 794.52M | 442.55M | 184.53M |
| Total Liabilities | 8.49B | 8.45B | 8.75B | 8.88B | 7.61B |
| Stockholders Equity | 1.33B | 1.22B | 1.16B | 1.05B | 1.00B |
Cash Flow | |||||
| Free Cash Flow | 127.93M | 105.15M | 134.00M | 159.27M | 129.01M |
| Operating Cash Flow | 133.29M | 109.71M | 138.89M | 162.90M | 132.21M |
| Investing Cash Flow | -82.63M | 285.00M | 28.57M | -723.22M | -883.81M |
| Financing Cash Flow | -38.60M | -348.45M | -175.98M | -100.86M | 850.47M |
Trico Bancshares Technical Analysis
Positive
50.11
Price Trends
48.75
Positive
48.37
Positive
45.53
Positive
Market Momentum
0.57
Negative
62.30
Neutral
80.19
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 50.11 is above the 20-day moving average (MA) of 47.89, above the 50-day MA of 48.75, and above the 200-day MA of 45.53, indicating a bullish trend. The MACD of 0.57 indicates Negative momentum. The RSI at 62.30 is Neutral, neither overbought nor oversold. The STOCH value of 80.19 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 |
|---|---|---|---|---|---|---|---|
78 Outperform | $1.61B | 11.18 | 9.25% | 3.38% | -1.48% | -1.58% | |
70 Outperform | $1.61B | 12.64 | 9.20% | 2.83% | 0.93% | 5.65% | |
68 Neutral | $1.89B | 13.24 | 8.05% | 3.07% | -2.46% | -1.98% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $1.65B | 12.80 | 10.75% | 2.89% | 30.45% | 3.13% | |
58 Neutral | $2.20B | 5.76 | 9.89% | 1.19% | -2.45% | -28.20% | |
50 Neutral | $1.47B | 58.33 | 2.77% | ― | 2.04% | -64.17% |
* Financial Sector Average
TCBK
Trico Bancshares
50.48
14.88
41.78%
GABC
German American Bancorp
43.96
9.70
28.29%
STBA
S&T Bancorp
43.87
11.07
33.74%
TFIN
Triumph Financial
61.90
10.70
20.90%
NBHC
National Bank Holdings
41.95
7.94
23.36%
MBIN
Merchants Bancorp
47.52
15.50
48.42%
Trico Bancshares Corporate Events
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, ...
Business Operations and StrategyStock BuybackDividendsFinancial Disclosures
TriCo Bancshares Announces Strong Q4 Earnings and Buyback
Positive
Jan 22, 2026
On January 22, 2026, TriCo Bancshares reported preliminary, unaudited fourth quarter 2025 results showing net income of $33.6 million, or $1.03 per diluted share, nearly flat versus the prior quarter but up 15.8% from a year earlier, driven by hig...
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.