(TCBK) TriCo Bancshares - Ratings and Ratios

Exchange: NASDAQ • Country: United States • Currency: USD • Type: Common Stock • ISIN: US8960951064

Deposits, Loans, Cards, Treasury, Digital

Stock: Regional Banks
Age 32.8y

MCap 1,603m
Avg Vol 105K (5.10M USD)

Beta 0.763
Volatility 28.43%

EPS (Earnings per Share)

EPS CAGR: 2.73%
EPS Trend: -15.2%

Last SUE: 2.81
Qual. Beats: 1

Revenue

Rev. CAGR: 13.02%
Rev. Trend: 85.3%

Last SUE: 0.80
Qual. Beats: 0

Dividends

Dividend Yield	3.16%
Yield on Cost 5y	4.02%
Yield CAGR 5y	8.39%
Payout Consistency	98.0%
Payout Ratio	38.8%

Risk via 5d forecast
Volatility	28.4%
Value at Risk 5%th	42.0%
Relative Tail Risk	-10.16%

Reward TTM
Sharpe Ratio	0.70
Alpha	8.40
CAGR/Max DD	0.10

Character TTM
Hurst Exponent	0.451
Beta	0.763
Beta Downside	0.799

Drawdowns 3y
Max DD	43.94%
Mean DD	18.94%
Median DD	16.97%

Description: TCBK TriCo Bancshares January 15, 2026

TriCo Bancshares (NASDAQ:TCBK) is a California-based bank holding company that operates Tri Counties Bank, delivering a full suite of commercial banking services to individuals, small businesses, and corporate clients. Its product lineup includes demand, savings, and time deposits; a variety of checking and specialty accounts (money-market, education, health-savings, CDs, and IRAs); and an extensive loan portfolio covering consumer, auto, mortgage, agricultural, construction, and equipment financing, plus treasury-management, card issuance, safe-deposit, and broker-dealer services. Founded in 1975 and headquartered in Chico, the firm is classified under the GICS “Regional Banks” sub-industry.

Key performance indicators from the most recent quarter (Q4 2023) show a net interest margin of roughly 4.2%, a loan-to-deposit ratio near 73%, and a return on assets (ROA) of 1.1%, all of which are modestly above the regional-bank median. The company’s earnings are sensitive to three macro drivers: (1) the Federal Reserve’s policy rate, which influences net interest income; (2) California’s housing market health, affecting mortgage and construction loan demand; and (3) agricultural commodity cycles, given the bank’s notable exposure to farm-related lending.

For a deeper, data-driven look at how these factors may impact TCBK’s valuation, you might explore the analytics platform ValueRay for a granular, model-based assessment.

Piotroski VR‑10 (Strict, 0-10) 4.5

Net Income (117.0m TTM) > 0 and > 6% of Revenue (6% = 31.6m TTM)

FCFTA 0.01 (>2.0%) and ΔFCFTA -0.01pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue -1518 % (prev -1092 %; Δ -425.9pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.01 (>3.0%) and CFO 123.1m > Net Income 117.0m (YES >=105%, WARN >=100%)

Net Debt (-212.9m) to EBITDA (173.0m) ratio: -1.23 <= 3.0 (WARN <= 3.5)

Current Ratio 0.04 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (32.7m) change vs 12m ago -1.25% (target <= -2.0% for YES)

Gross Margin 74.34% (prev 72.70%; Δ 1.64pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 5.35% (prev 5.32%; Δ 0.03pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 1.27 (EBITDA TTM 173.0m / Interest Expense TTM 124.6m) >= 6 (WARN >= 3)

Altman Z'' -4.81

(A) -0.81 = (Total Current Assets 336.2m - Total Current Liabilities 8.34b) / Total Assets 9.88b

(B) 0.07 = Retained Earnings (Balance) 723.7m / Total Assets 9.88b

(D) 0.15 = Book Value of Equity 1.30b / Total Liabilities 8.57b

Total Rating: -4.81 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 69.02

1. Piotroski 4.50pt

2. FCF Yield 8.43%

3. FCF Margin 22.22%

4. Debt/Equity 0.07

5. Debt/Ebitda -1.23

6. ROIC - WACC (= -1.33)%

7. RoE 9.27%

8. Rev. Trend 85.33%

9. EPS Trend -15.21%

What is the price of TCBK shares?

As of January 22, 2026, the stock is trading at USD 50.61 with a total of 150,322 shares traded.
Over the past week, the price has changed by +3.84%, over one month by +3.48%, over three months by +20.45% and over the past year by +20.49%.

Is TCBK a buy, sell or hold?

TriCo Bancshares has received a consensus analysts rating of 3.67. Therefor, it is recommend to hold TCBK.

Strong Buy: 1
Buy: 2
Hold: 3
Sell: 0
Strong Sell: 0

What are the forecasts/targets for the TCBK price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	51.2	1.1%
Analysts Target Price	51.2	1.1%
ValueRay Target Price	54	6.7%

TCBK Fundamental Data Overview January 19, 2026

P/E Trailing = 13.8648
P/E Forward = 12.1212
P/S = 4.0137
P/B = 1.2269
P/EG = 1.91
Revenue TTM = 527.4m USD
EBIT TTM = 158.5m USD
EBITDA TTM = 173.0m USD
Long Term Debt = 58.3m USD (from longTermDebt, last quarter)
Short Term Debt = 95.1m USD (from shortTermDebt, last fiscal year)
Debt = 86.0m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -212.9m USD (from netDebt column, last quarter)
Enterprise Value = 1.39b USD (1.60b + Debt 86.0m - CCE 298.9m)
Interest Coverage Ratio = 1.27 (Ebit TTM 158.5m / Interest Expense TTM 124.6m)
EV/FCF = 11.86x (Enterprise Value 1.39b / FCF TTM 117.2m)
FCF Yield = 8.43% (FCF TTM 117.2m / Enterprise Value 1.39b)
FCF Margin = 22.22% (FCF TTM 117.2m / Revenue TTM 527.4m)
Net Margin = 22.18% (Net Income TTM 117.0m / Revenue TTM 527.4m)
Gross Margin = 74.34% ((Revenue TTM 527.4m - Cost of Revenue TTM 135.3m) / Revenue TTM)
Gross Margin QoQ = 77.14% (prev 73.78%)
Tobins Q-Ratio = 0.14 (Enterprise Value 1.39b / Total Assets 9.88b)
Interest Expense / Debt = 35.40% (Interest Expense 30.4m / Debt 86.0m)
Taxrate = 26.79% (12.4m / 46.5m)
NOPAT = 116.0m (EBIT 158.5m * (1 - 26.79%))
Current Ratio = 0.04 (Total Current Assets 336.2m / Total Current Liabilities 8.34b)
Debt / Equity = 0.07 (Debt 86.0m / totalStockholderEquity, last quarter 1.30b)
Debt / EBITDA = -1.23 (Net Debt -212.9m / EBITDA 173.0m)
Debt / FCF = -1.82 (Net Debt -212.9m / FCF TTM 117.2m)
Total Stockholder Equity = 1.26b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.19% (Net Income 117.0m / Total Assets 9.88b)
RoE = 9.27% (Net Income TTM 117.0m / Total Stockholder Equity 1.26b)
RoCE = 12.00% (EBIT 158.5m / Capital Employed (Equity 1.26b + L.T.Debt 58.3m))
RoIC = 8.27% (NOPAT 116.0m / Invested Capital 1.40b)
WACC = 9.61% (E(1.60b)/V(1.69b) * Re(8.73%) + D(86.0m)/V(1.69b) * Rd(35.40%) * (1-Tc(0.27)))
Discount Rate = 8.73% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -0.95%
[DCF Debug] Terminal Value 71.08% ; FCFF base≈117.4m ; Y1≈109.0m ; Y5≈99.5m
Fair Price DCF = 48.30 (EV 1.36b - Net Debt -212.9m = Equity 1.57b / Shares 32.5m; r=9.61% [WACC]; 5y FCF grow -9.05% → 2.90% )
EPS Correlation: -15.21 | EPS CAGR: 2.73% | SUE: 2.81 | # QB: 1
Revenue Correlation: 85.33 | Revenue CAGR: 13.02% | SUE: 0.80 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.93 | Chg30d=+0.000 | Revisions Net=+5 | Analysts=6
EPS next Year (2026-12-31): EPS=3.94 | Chg30d=+0.000 | Revisions Net=+5 | Growth EPS=+8.0% | Growth Revenue=+6.0%

Additional Sources for TCBK Stock

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