(TCBK) TriCo Bancshares - Overview
Stock: Deposits, Loans, Cards, Treasury, Digital
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 3.16% |
| Yield on Cost 5y | 3.96% |
| Yield CAGR 5y | 8.39% |
| Payout Consistency | 98.0% |
| Payout Ratio | 37.2% |
| Risk 5d forecast | |
|---|---|
| Volatility | 29.2% |
| Relative Tail Risk | -10.2% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.66 |
| Alpha | 7.50 |
| Character TTM | |
|---|---|
| Beta | 0.753 |
| Beta Downside | 0.829 |
| Drawdowns 3y | |
|---|---|
| Max DD | 42.36% |
| CAGR/Max DD | 0.10 |
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) 3.5
| Net Income: 121.6m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.13 > 1.0 |
| NWC/Revenue: -461.7% < 20% (prev -1509 %; Δ 1047 % < -1%) |
| CFO/TA 0.01 > 3% & CFO 98.8m > Net Income 121.6m |
| Net Debt (-49.5m) to EBITDA (182.7m): -0.27 < 3 |
| Current Ratio: 0.44 > 1.5 & < 3 |
| Outstanding Shares: last quarter (32.6m) vs 12m ago -1.60% < -2% |
| Gross Margin: 75.85% > 18% (prev 0.73%; Δ 7512 % > 0.5%) |
| Asset Turnover: 5.47% > 50% (prev 5.42%; Δ 0.05% > 0%) |
| Interest Coverage Ratio: 1.41 > 6 (EBITDA TTM 182.7m / Interest Expense TTM 119.7m) |
Altman Z'' -1.12
| A: -0.25 (Total Current Assets 1.93b - Total Current Liabilities 4.39b) / Total Assets 9.82b |
| B: 0.08 (Retained Earnings 740.2m / Total Assets 9.82b) |
| C: 0.02 (EBIT TTM 169.2m / Avg Total Assets 9.75b) |
| D: 0.16 (Book Value of Equity 1.33b / Total Liabilities 8.49b) |
| Altman-Z'' Score: -1.12 = CCC |
Beneish M -3.32
| DSRI: 0.79 (Receivables 33.7m/41.6m, Revenue 533.3m/524.0m) |
| GMI: 0.96 (GM 75.85% / 72.93%) |
| AQI: 0.82 (AQ_t 0.79 / AQ_t-1 0.97) |
| SGI: 1.02 (Revenue 533.3m / 524.0m) |
| TATA: 0.00 (NI 121.6m - CFO 98.8m) / TA 9.82b) |
| Beneish M-Score: -3.32 (Cap -4..+1) = AA |
What is the price of TCBK shares?
Over the past week, the price has changed by +2.33%, over one month by +6.85%, over three months by +16.49% and over the past year by +22.09%.
Is TCBK a buy, sell or hold?
- StrongBuy: 1
- Buy: 2
- Hold: 3
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the TCBK price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 55.8 | 6.8% |
| Analysts Target Price | 55.8 | 6.8% |
| ValueRay Target Price | 56 | 7.3% |
TCBK Fundamental Data Overview February 09, 2026
P/E Forward = 12.1212
P/S = 4.1722
P/B = 1.27
P/EG = 1.91
Revenue TTM = 533.3m USD
EBIT TTM = 169.2m USD
EBITDA TTM = 182.7m USD
Long Term Debt = 58.3m USD (from longTermDebt, two quarters ago)
Short Term Debt = unknown (none)
Debt = 107.5m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -49.5m USD (from netDebt column, last quarter)
Enterprise Value = -86.0m USD (1.70b + Debt 107.5m - CCE 1.89b)
Interest Coverage Ratio = 1.41 (Ebit TTM 169.2m / Interest Expense TTM 119.7m)
EV/FCF = -0.91x (Enterprise Value -86.0m / FCF TTM 94.2m)
FCF Yield = -109.5% (FCF TTM 94.2m / Enterprise Value -86.0m)
FCF Margin = 17.67% (FCF TTM 94.2m / Revenue TTM 533.3m)
Net Margin = 22.79% (Net Income TTM 121.6m / Revenue TTM 533.3m)
Gross Margin = 75.85% ((Revenue TTM 533.3m - Cost of Revenue TTM 128.8m) / Revenue TTM)
Gross Margin QoQ = 79.67% (prev 77.14%)
Tobins Q-Ratio = -0.01 (set to none) (Enterprise Value -86.0m / Total Assets 9.82b)
Interest Expense / Debt = 25.97% (Interest Expense 27.9m / Debt 107.5m)
Taxrate = 27.79% (12.9m / 46.6m)
NOPAT = 122.2m (EBIT 169.2m * (1 - 27.79%))
Current Ratio = 0.44 (Total Current Assets 1.93b / Total Current Liabilities 4.39b)
Debt / Equity = 0.08 (Debt 107.5m / totalStockholderEquity, last quarter 1.33b)
Debt / EBITDA = -0.27 (Net Debt -49.5m / EBITDA 182.7m)
Debt / FCF = -0.53 (Net Debt -49.5m / FCF TTM 94.2m)
Total Stockholder Equity = 1.29b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.25% (Net Income 121.6m / Total Assets 9.82b)
RoE = 9.43% (Net Income TTM 121.6m / Total Stockholder Equity 1.29b)
RoCE = 12.56% (EBIT 169.2m / Capital Employed (Equity 1.29b + L.T.Debt 58.3m))
RoIC = 8.73% (NOPAT 122.2m / Invested Capital 1.40b)
WACC = 9.29% (E(1.70b)/V(1.81b) * Re(8.69%) + D(107.5m)/V(1.81b) * Rd(25.97%) * (1-Tc(0.28)))
Discount Rate = 8.69% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -1.09%
[DCF Debug] Terminal Value 72.19% ; FCFF base≈98.6m ; Y1≈91.5m ; Y5≈83.5m
Fair Price DCF = 38.50 (EV 1.20b - Net Debt -49.5m = Equity 1.24b / Shares 32.3m; r=9.29% [WACC]; 5y FCF grow -9.05% → 2.90% )
EPS Correlation: -0.03 | EPS CAGR: 9.62% | SUE: 2.08 | # QB: 2
Revenue Correlation: 82.48 | Revenue CAGR: 14.40% | SUE: 3.21 | # QB: 1
EPS next Quarter (2026-03-31): EPS=0.97 | Chg30d=+0.047 | Revisions Net=+5 | Analysts=5
EPS current Year (2026-12-31): EPS=4.07 | Chg30d=+0.123 | Revisions Net=+4 | Growth EPS=+10.0% | Growth Revenue=+6.8%
EPS next Year (2027-12-31): EPS=4.22 | Chg30d=+0.077 | Revisions Net=+4 | Growth EPS=+3.8% | Growth Revenue=+4.4%