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TriCo Bancshares

TCBK Financial Banks Regional

TriCo Bancshares' revenue for fiscal 2025 (year ended December 2025) was $538.9 million, up 1.48% from fiscal 2024.

Revenue
+4.33%
EPS
+27.4%
Free cash flow
−17.3%
Total debt
−56.5%

Quarter to June 2026, against a year earlier

52.46 1.45 −2.69%
Market cap
$1.7B
P/E
12.5×
Fwd P/E
11.9×
Dividend yield
2.74%
F-score
9/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 8.53%

Capital & Financial Ratios $m

Size
Market Cap 1,680.00
Revenue ttm 549.40
Net income ttm 135.51
Free cash flow ttm 133.14
Net debt Q (53.46)
Valuation
P/E 12.49
Forward P/E 11.90
Price / sales 3.05
Forward P/S Powerpack
Price / FCF 12.58
Price / book 1.25
Financial health
Current ratio Q 0.87
Debt / equity Q 0.04
Interest coverage Q —
Growth
Revenue growth Q +4.33% (above 0%: growing)
Operating income growth Q +22.43% (above 0%: growing)
EPS, this year +19.05% (at or above 15%: strong)
EPS, next year A +1.42%
Revenue, next year A −16.02% (below 0%: weak)
EPS, past 5 yrs +11.37%
EPS, next 5 yrs A +9.07%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 35.28%
10-year low 10-year high
P/S against its own 10 years 43.45%
10-year low 10-year high
P/B against its own 10 years 43.67%
10-year low 10-year high

Dividends raised every year since 2018

Yield
2.74%
Annual rate
1.44
Payout ratio
34.5%
Growth, 2018–26
+9.44%/yr
  1. 0.70 ’18
  2. 0.82 ’19 +17
  3. 0.88 ’20 +7
  4. 1.00 ’21 +14
  5. 1.10 ’22 +10
  6. 1.20 ’23 +9
  7. 1.32 ’24 +10
  8. 1.38 ’25 +5
  9. 1.44 ’26 +4
paid change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 99 145 157 105
Receivables — — — —
Inventory — — — —
Other — — — —
6,809 6,824 7,179 7,322
2023 2024 2025 Q'26
Payables 7,834 8,088 8,264 8,369
ST’ Debt — — — —
Other — — — —
7,842 8,099 8,273 8,376

Compound Annual Growth %

10y 5y 3y
Sales 10.05% 10.82% 8.79%
Cash Flow 9.29% 3.03% (6.47%)
Earnings 10.74% 13.40% (1.04%)
Book Value 11.38% 7.50% 8.27%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 1.08 Actual 1.18

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 1.01 1.03 Beat by 0.02
Q1 FY26 0.97 1.04 Beat by 0.07
Q2 FY26 1.03 1.06 Beat by 0.03
Q3 FY26 1.08 1.18 Beat by 0.10
Q4 FY26 1.11 — Reports 28 January 2027

EPS $

Mar Jun Sep Dec Year
’26 1.04 1.06 — — —
’25 0.80 0.84 1.04 1.03 3.70
’24 0.83 0.87 0.88 0.88 3.46
’23 1.07 0.75 0.92 0.78 3.52
’22 0.67 0.93 1.12 1.09 3.83
’21 1.13 0.95 0.92 0.94 3.94
’20 0.53 0.25 0.59 0.79 2.16
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 135 139 — — —
’25 130 133 138 137 539
’24 131 133 134 133 531
’23 117 123 128 132 500
’22 84 103 112 119 419
’21 84 84 85 88 341
’20 78 79 81 85 322
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 34 25 — — —
’25 25 29 45 34 133
’24 25 32 29 24 110
’23 39 17 46 37 139
’22 35 37 36 55 163
’21 41 18 41 32 132
’20 34 30 15 36 115
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 33 23 — — —
’25 23 28 43 34 128
’24 24 31 27 23 105
’23 38 15 46 36 134
’22 41 36 35 54 166
’21 41 20 40 31 132
’20 33 30 14 36 112
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

3
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 218 231 277 326 322 341 419 500 531 539 549 +10.6% 453 471 489 (3.2%)
Gross margin, % 97.38 97.06 95.36 95.28 97.07 98.38 97.72 83.66 74.54 77.78 79.56 (19.6) pt
EBT 73 78 93 127 87 164 174 161 155 166 185 +9.6%
EBT margin, % 33.23 33.58 33.67 38.91 27.10 48.05 41.55 32.20 29.21 30.83 33.71 (2.4) pt
Net income 45 41 68 92 65 118 125 117 115 122 136 +11.7%
Per share, $
Per share, $ Revenue 9.57 10.08 10.43 10.70 10.78 11.46 12.85 15.03 16.05 16.49 17.21 +6.2%
Earnings 1.96 1.77 2.57 3.02 2.17 3.95 3.85 3.53 3.47 3.72 4.20 +7.4%
Cash flow 2.11 2.42 3.42 3.37 3.84 4.45 5.00 4.18 3.32 4.08 4.33 +7.6%
Capex (0.41) (0.52) (0.28) (0.14) (0.09) (0.02) 0.09 (0.15) (0.14) (0.16) (0.16) (9.6%)
Free cash flow 1.71 1.90 3.15 3.23 3.74 4.43 5.09 4.03 3.18 3.92 4.17 +9.7%
Book value 20.92 22.08 31.11 29.75 30.92 33.65 32.11 34.87 36.90 40.65 42.09 +7.7%
Shares, m 23 23 27 30 30 30 33 33 33 33 32 +4.1%
Valuation, ×
Valuation, × P/E 17.19 21.53 13.20 13.47 16.26 10.88 13.11 12.25 12.59 12.73 12.49 14.3
P/S 3.52 3.78 3.24 3.82 3.27 3.75 3.90 2.88 2.72 2.87 3.05 3.4
P/B 1.61 1.73 1.09 1.37 1.14 1.28 1.56 1.24 1.18 1.17 1.25 1.3
EV/Sales 2.46 3.67 2.68 3.20 1.46 1.81 4.52 4.15 2.81 2.68 — 2.9
EV/FCF 13.78 19.44 8.89 10.59 4.20 4.68 11.39 15.47 14.19 11.28 — 11.4
Cash, $m
Cash, $m Operating cash flow 48 55 91 103 115 132 163 139 110 133 138 +12.0%
Capex (9) (12) (7) (4) (3) 0 3 (5) (5) (5) (5) (5.9%)
Free cash flow 39 44 84 99 112 132 166 134 105 128 133 +14.1%
Balance, $m
Balance, $m Working capital (849) (801) (1,128) (792) (1,140) (1,746) (1,844) (1,034) (1,275) (1,094) (1,054) +2.9%
Net debt (231) (26) (155) (201) (585) (660) 258 635 46 (104) (53) (8.5%)
Shareholders’ equity 477 506 827 907 925 1,000 1,046 1,160 1,221 1,328 1,344 +12.0%
Returns, %
Returns, % ROA 1.03 0.87 1.23 1.44 0.92 1.45 1.35 1.18 1.17 1.25 1.36 +0.2 pt
ROIC 18.43 10.11 8.67 11.23 16.05 30.10 8.33 5.60 7.65 8.48 8.97 (9.9) pt
ROE 9.64 8.25 10.25 10.62 7.08 12.22 12.26 10.64 9.65 9.54 10.38 (0.1) pt
People
People Employees 1,063 1,023 1,174 1,184 1,068 1,094 1,231 1,231 1,201 1,148 — +0.9%
Revenue/emp, $m 0.21 0.23 0.24 0.28 0.30 0.31 0.34 0.41 0.44 0.47 — +9.6%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

TriCo Bancshares vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
BY Byline Bancorp, Inc. $1.7B 11.5× 11.0× +1.37% (above 0%: growing) +36.36% (above 0%: growing) −32.50% (below 0%: shrinking) 73.03% 0.00% Compare
TCBK TriCo Bancshares $1.7B 12.5× 11.9× +4.33% (above 0%: growing) +27.38% (above 0%: growing) −17.30% (below 0%: shrinking) 80.35% 0.00%
OBK Origin Bancorp, Inc. $1.7B 16.8× 12.3× +11.11% (above 0%: growing) +134.04% (above 0%: growing) +57.26% (above 0%: growing) 71.20% 0.00% Compare
HOPE Hope Bancorp, Inc. $1.7B 13.1× 13.1× +2.73% (above 0%: growing) +218.18% (above 0%: growing) +727.66% (above 0%: growing) 58.92% 0.00% Compare
INTR Inter & Co. Inc. $1.7B 5.8× 5.2× +45.51% (above 0%: growing) +46.15% (above 0%: growing) −253.49% (below 0%: shrinking) 59.27% 0.00% Compare
QCRH QCR Holdings, Inc. $1.7B 11.9× 11.6× +5.68% (above 0%: growing) +28.65% (above 0%: growing) +1,791.78% (above 0%: growing) 64.70% 0.00% Compare
NBHC National Bank Holdings Corporation $1.6B 29.6× 20.5× +18.27% (above 0%: growing) n/m +33.48% (above 0%: growing) 69.90% 0.00% Compare
CNOB ConnectOne Bancorp, Inc. $1.6B 11.3× 10.8× −10.37% (below 0%: shrinking) −24.36% (below 0%: shrinking) +162.97% (above 0%: growing) 55.38% 0.00% Compare
BFC Bank First National Corporation $1.6B 19.3× 17.0× +44.08% (above 0%: growing) +29.24% (above 0%: growing) +152.03% (above 0%: growing) 75.87% 0.00% Compare
Median of peers $1.7B 12.5× 12.0× +8.40% +36.36% +104.65% 67.30% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 17 April 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 2.98m 3.79m 154.74
2024 2.90m 3.15m 123.34
2023 3.10m 2.36m 117.37
2022 2.51m 6.86m 134.99
2021 2.83m 3.58m 111.05

Ownership

Directors and executive officers, together 4.87%
FMR LLC245 Summer StreetBoston, Massachusetts 9.09%
BlackRock Inc.55 East 7.76%
Dimensional Fund Advisors, LLC 5.12%
Franklin Mutual Advisors LLC 5.06%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

TriCo Bancshares (TCBK) Latest News

29 Oct

Impact 4 · · GlobeNewswire

26 Oct

Impact 4 · · The Motley Fool

23 Oct

Impact 4 · · Simply Wall St.

22 Oct

Impact 3 · · Zacks
Impact 3 · · Zacks
Impact 3 · · Associated Press

23 Aug

Impact 3 ·

28 Jul

Impact 5 ·

23 Jul

Impact 4 ·
Impact 3 ·

14 Jul

Impact 4 ·

13 Jul

Impact 5 ·
Impact 5 · · Proactive Investors
Impact 5 · · MarketBeat
Impact 5 ·
Impact 5 ·
Impact 5 ·
Impact 4 · · MarketBeat
Impact 4 · · InvestorsHub
Impact 3 ·

12 Jul

Impact 5 · · staradvertiser.com

26 Apr

Impact 4 · · Simply Wall St.

23 Apr

Impact 4 · · Zacks
Impact 4 · · Zacks
Impact 4 · · Business Wire

11 Feb

Impact 4 · · Zacks
Impact 3 · · StockStory

4 Feb

Impact 3 · · Simply Wall St.

2 Feb

Impact 3 · · StockStory

26 Jan

Impact 4 · · ZacksZacksZacksZacksZacksZacks
stockrow.com/TCBK · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com