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TriCo Bancshares

TriCo Bancshares

NASDAQ•TCBK
CEO: Mr. Richard P. Smith
Sector: Financial Services
Industry: Banks - Regional
Listing Date: 1993-04-20
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 loans; real estate mortgage loans, such as residential and commercial loans; consumer loans; mortgage, auto, other vehicle, and personal loans; commercial loans, including agricultural loans; and real estate construction loans. In addition, the company offers treasury management services; credit and debit cards; and other customary banking services, including safe deposit boxes; and independent financial and broker-dealer services. Further, it provides checking, saving, and money market accounts, as well as individual retirement accounts; equipment financing; certificate of deposit account registry service; certificated of deposit; and IntraFi cash service. TriCo Bancshares was founded in 1975 and is headquartered in Chico, California.
Contact Information
63 Constitution Drive, Chico, CA, 95973, United States
530-898-0300
www.tcbk.com
Market Cap
$1.60B
P/E (TTM)
13.7
14.8
Dividend Yield
2.8%
52W High
$50.30
52W Low
$35.20
52W Range
94%
Rank38Top 27.7%
4.7
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Average • 4.7 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2015-2024

Financial Dashboard

Q3 2025 Data

Revenue

$136.08M+3.01%
4-Quarter Trend

EPS

$1.05+19.32%
4-Quarter Trend

FCF

$43.21M+58.07%
4-Quarter Trend

2025 Q3 Earnings Highlights

Key Highlights

Net Income Growth Strong Q3 Net Income reached $34.0M, a 17.1% increase year-over-year; diluted EPS was $1.04, showing solid profitability improvement.
NIM Expansion Continues FTE Net Interest Margin improved 4 basis points sequentially to 3.92%; driven by favorable asset mix shifts and loan balance growth.
Loan Portfolio Expansion Total loans grew $47.8M sequentially (2.7% annualized); loan balances now stand at $7.01B, supporting revenue generation.
Capital Ratios Remain Robust CET1 ratio stood at 13.4%, significantly exceeding the 7.0% regulatory minimum, indicating strong capital strength.

Risk Factors

Credit Quality Slight Deterioration Non-performing assets ratio rose slightly to 0.72% of total assets; management maintains a high ACL coverage of 190% of NPLs.
Interest Rate Shock Exposure Stress testing shows potential Net Interest Income decline up to 4.9% under a 300 basis point parallel rate shock scenario.
Non-Interest Expense Pressure Salaries and benefits expense increased 6.1% YoY to $37.7M, driven by merit increases and strategic hiring for growth initiatives.
Investment Securities Decline Total investment securities decreased 12.3% year-over-year to $1.86B, primarily due to net prepayments and sales activity.

Outlook

Focus on Revenue Growth Management aims to maintain loan-to-deposit ratio near 85.0% to drive future revenue and earnings growth momentum.
Credit Provisioning Stability Provision for credit losses was low at $0.7M this quarter; outlook suggests provisioning remains sufficient given current economic stability.
Regulatory Capital Compliance Company remains compliant with all Basel III capital requirements, including maintaining the required capital conservation buffer.
Efficiency Ratio Improvement Efficiency ratio improved to 56.18% this quarter; continued focus on expense control alongside strategic hiring is expected.

Peer Comparison

Revenue (TTM)

Merchants BancorpMBIN
$1.39B
-1.8%
First Merchants CorporationFRME
$1.04B
-2.0%
Hope Bancorp, Inc.HOPE
$945.24M
-8.9%

Gross Margin (Latest Quarter)

National Bank Holdings CorporationNBHC
72.0%
+5.7pp
Stellar Bancorp, Inc.STEL
70.0%
-2.0pp
S&T Bancorp, Inc.STBA
64.4%
-3.1pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
FRME$2.24B9.69.9%6.3%
MBIN$1.66B6.711.2%15.0%
STEL$1.66B16.36.3%0.7%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
1.2%
Moderate Growth
4Q Net Income CAGR
5.4%
Profitability Improving
Cash Flow Stability
100%
Strong Cash Flow

Research & Insights

Next earnings:Jan 22, 2026
|
EPS:$1.01
|
Revenue:$108.19M
Reports
All Years

  • Form 10-Q - Q3 2025

    Period End: Sep 30, 2025|Filed: Nov 10, 2025|
    Revenue: $136.08M+3.0%
    |
    EPS: $1.05+19.3%
    Beat

  • Form 10-Q - Q2 2025

    Period End: Jun 30, 2025|Filed: Aug 11, 2025|
    Revenue: $131.61M+0.5%
    |
    EPS: $0.84-4.5%
    Meet

  • Form 10-Q - Q1 2025

    Period End: Mar 31, 2025|Filed: May 12, 2025|
    Revenue: $128.30M-1.0%
    |
    EPS: $0.80-3.6%
    Meet

  • Form 10-K - FY 2024

    Period End: Dec 31, 2024|Filed: Mar 3, 2025|
    Revenue: $523.97M+6.3%
    |
    EPS: $3.48-1.4%
    Beat

  • Form 10-Q - Q3 2024

    Period End: Sep 30, 2024|Filed: Nov 7, 2024|
    Revenue: $132.10M+4.1%
    |
    EPS: $0.88-4.3%
    Beat

  • Form 10-Q - Q2 2024

    Period End: Jun 30, 2024|Filed: Aug 6, 2024|
    Revenue: $130.91M+8.2%
    |
    EPS: $0.88+17.3%
    Beat

  • Form 10-Q - Q1 2024

    Period End: Mar 31, 2024|Filed: May 8, 2024|
    Revenue: $129.57M+12.8%
    |
    EPS: $0.83-23.1%
    Beat

  • Form 10-K - FY 2023

    Period End: Dec 31, 2023|Filed: Feb 29, 2024|
    Revenue: $492.81M+19.6%
    |
    EPS: $3.53-8.3%
    Beat