(TCBK) TriCo Bancshares - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NASDAQ (USA) | Market Cap: 1.569m USD | Total Return: 31.9% in 12m
Avg Turnover: 4.49M
EPS Trend: -3.6%
Qual. Beats: 3
Rev. Trend: 90.7%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Confidence
TriCo Bancshares (TCBK) is the bank holding company for Tri Counties Bank, a California-based financial institution established in 1975. The company provides a comprehensive suite of retail and commercial banking services, including deposit accounts, treasury management, and specialized lending for small businesses, agriculture, and real estate construction.
As a regional bank, TriCo Bancshares generates revenue primarily through the net interest margin-the difference between interest earned on loans and interest paid on deposits. The company’s business model relies on maintaining a diversified loan portfolio across residential, commercial, and vehicle sectors to mitigate credit risk within its geographic footprint.
For a deeper look into the companys valuation metrics and historical performance, examine the data available on ValueRay.
- Net interest margin sensitivity to Federal Reserve monetary policy shifts
- Commercial and residential real estate loan portfolio credit quality performance
- Deposit beta management and stability of low-cost core funding sources
- Agricultural sector economic health impact on specialized commercial loan demand
- Operating efficiency ratios and non-interest expense control in California markets
| Net Income: 128.9m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.29 > 1.0 |
| NWC/Revenue: -1.47k% < 20% (prev -1.15k%; Δ -319.6% < -1%) |
| CFO/TA 0.01 > 3% & CFO 142.5m > Net Income 128.9m |
| Net Debt (-194.8m) to EBITDA (193.3m): -1.01 < 3 |
| Current Ratio: 0.04 > 1.5 & < 3 |
| Outstanding Shares: last quarter (32.4m) vs 12m ago -2.23% < -2% |
| Gross Margin: 77.13% > 18% (prev 0.73%; Δ 7.64k% > 0.5%) |
| Asset Turnover: 5.46% > 50% (prev 5.32%; Δ 0.14% > 0%) |
| Interest Coverage Ratio: 1.57 > 6 (EBITDA TTM 193.3m / Interest Expense TTM 114.8m) |
| A: -0.80 (Total Current Assets 334.0m - Total Current Liabilities 8.27b) / Total Assets 9.95b |
| B: 0.08 (Retained Earnings 749.8m / Total Assets 9.95b) |
| C: 0.02 (EBIT TTM 179.7m / Avg Total Assets 9.88b) |
| D: 0.15 (Book Value of Equity 1.32b / Total Liabilities 8.62b) |
| Altman-Z'' = -4.71 = D |
| DSRI: 0.81 (Receivables 32.7m/38.9m, Revenue 539.9m/522.7m) |
| GMI: 0.95 (GM 77.13% / 73.19%) |
| AQI: 1.25 (AQ_t 0.96 / AQ_t-1 0.77) |
| SGI: 1.03 (Revenue 539.9m / 522.7m) |
| TATA: -0.00 (NI 128.9m - CFO 142.5m) / TA 9.95b) |
| Beneish M = -3.06 (Cap -4..+1) = AA |
As of May 24, 2026, the stock is trading at USD 50.80 with a total of 141,921 shares traded.
Over the past week, the price has changed by +3.85%,
over one month by +2.67%,
over three months by +4.10% and
over the past year by +31.86%.
TriCo Bancshares has received a consensus analysts rating of 3.67. Therefore, it is recommended to hold TCBK.
- StrongBuy: 1
- Buy: 2
- Hold: 3
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 56 | 10.2% |
P/E Forward = 12.1212
P/S = 3.7722
P/B = 1.228
P/EG = 1.9393
Revenue TTM = 539.9m USD
EBIT TTM = 179.7m USD
EBITDA TTM = 193.3m USD
Long Term Debt = 53.0m USD (from longTermDebt, last fiscal year)
Short Term Debt = unknown (none)
Debt = 106.5m USD (from shortLongTermDebtTotal, last quarter) + Leases 27.3m
Net Debt = -194.8m USD (calculated: Debt 106.5m - CCE 301.3m)
Enterprise Value = 1.37b USD (1.57b + Debt 106.5m - CCE 301.3m)
Interest Coverage Ratio = 1.57 (Ebit TTM 179.7m / Interest Expense TTM 114.8m)
EV/FCF = 10.22x (Enterprise Value 1.37b / FCF TTM 134.5m)
FCF Yield = 9.79% (FCF TTM 134.5m / Enterprise Value 1.37b)
FCF Margin = 24.91% (FCF TTM 134.5m / Revenue TTM 539.9m)
Net Margin = 23.87% (Net Income TTM 128.9m / Revenue TTM 539.9m)
Gross Margin = 77.13% ((Revenue TTM 539.9m - Cost of Revenue TTM 123.5m) / Revenue TTM)
Gross Margin QoQ = 77.81% (prev 79.67%)
Tobins Q-Ratio = 0.14 (Enterprise Value 1.37b / Total Assets 9.95b)
Interest Expense / Debt = 107.8% (Interest Expense 114.8m / Debt 106.5m)
Taxrate = 26.58% (12.2m / 45.9m)
NOPAT = 132.0m (EBIT 179.7m * (1 - 26.58%))
Current Ratio = 0.04 (Total Current Assets 334.0m / Total Current Liabilities 8.27b)
Debt / Equity = 0.08 (Debt 106.5m / totalStockholderEquity, last quarter 1.32b)
Debt / EBITDA = -1.01 (Net Debt -194.8m / EBITDA 193.3m)
Debt / FCF = -1.45 (Net Debt -194.8m / FCF TTM 134.5m)
Total Stockholder Equity = 1.31b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.30% (Net Income 128.9m / Total Assets 9.95b)
RoE = 9.87% (Net Income TTM 128.9m / Total Stockholder Equity 1.31b)
RoCE = 13.23% (EBIT 179.7m / Capital Employed (Equity 1.31b + L.T.Debt 53.0m))
RoIC = 8.38% (NOPAT 132.0m / Invested Capital 1.57b)
WACC = 8.40% (E(1.57b)/V(1.68b) * Re(8.97%) + (debt cost/tax rate unavailable))
Discount Rate = 8.97% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -91.11 | Cagr: -1.29%
[DCF] Terminal Value 77.81% ; FCFF base≈122.3m ; Y1≈140.1m ; Y5≈206.2m
[DCF] Fair Price = 102.5 (EV 3.08b - Net Debt -194.8m = Equity 3.27b / Shares 31.9m; r=8.40% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: -3.61 | EPS CAGR: -0.27% | SUE: 1.65 | # QB: 3
Revenue Correlation: 90.71 | Revenue CAGR: 4.72% | SUE: 0.62 | # QB: 0
EPS current Quarter (2026-06-30): EPS=1.03 | Chg30d=+4.04% | Revisions=+60% | Analysts=6
EPS next Quarter (2026-09-30): EPS=1.06 | Chg30d=+2.91% | Revisions=+60% | Analysts=6
EPS current Year (2026-12-31): EPS=4.21 | Chg30d=+4.25% | Revisions=+60% | GrowthEPS=+13.8% | GrowthRev=+6.9%
EPS next Year (2027-12-31): EPS=4.34 | Chg30d=+3.01% | Revisions=+56% | GrowthEPS=+3.1% | GrowthRev=+4.2%
[Analyst] Revisions Ratio: +60%