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. In the quarter to June 2026, revenue grew 4.33%, EPS grew 27.4%, free cash flow fell 17.3% and total debt fell 56.5%, each against the same quarter a year earlier. Dividend growth for ten consecutive years, revenue growth for five.
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TriCo Bancshares (TCBK) Piotroski F-score
TriCo Bancshares's Piotroski F-score for fiscal 2025 is 9 out of 9: 9 of nine tests of profitability, leverage and efficiency passed, up from 5 in fiscal 2024.
Piotroski F-score, annual
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Annual newest first
| Period | Piotroski F-score | Change (points) |
|---|---|---|
| FY2025 | 9 | 4.00 |
| FY2024 | 5 | 0.00 |
| FY2023 | 5 | 0.00 |
| FY2022 | 5 | (1.00) |
| FY2021 | 6 | 1.00 |
| FY2020 | 5 | (2.00) |
| FY2019 | 7 | 1.00 |
| FY2018 | 6 | 2.00 |
| FY2017 | 4 | 0.00 |
| FY2016 | 4 | — |
How fiscal 2025’s score is made up
| Test | This year | Year before | Result | Points |
|---|---|---|---|---|
| Positive return on assets | 1.25% | 1.17% | Pass | 1 |
| Positive operating cash flow | 133.29m | 109.71m | Pass | 1 |
| Rising return on assets | 1.25% | 1.17% | Pass | 1 |
| Cash flow above net income | 11.74m | (5.16m) | Pass | 1 |
| Falling long-term leverage | 0.01 | 0.02 | Pass | 1 |
| Rising current ratio | 0.87 | 0.84 | Pass | 1 |
| No new shares issued | 32,673,000 | 33,088,000 | Pass | 1 |
| Rising gross margin | 77.78% | 74.54% | Pass | 1 |
| Rising asset turnover | 0.06 | 0.05 | Pass | 1 |
| Piotroski F-score | Strong — most fundamentals improved | 9 | ||
How the Piotroski F-score works
One point for each of nine tests, this fiscal year against the one before: positive return on assets, positive operating cash flow, rising return on assets, cash flow above net income, falling long-term leverage, a rising current ratio, no new shares issued, a rising gross margin and rising asset turnover. The ratios are the ones on this site, so each can be checked.
Joseph Piotroski (2000) called 8–9 high and 0–1 low; reading it in three bands is the common convention:
| 7–9 | Strong — most fundamentals improved |
|---|---|
| 4–6 | Mixed |
| 0–3 | Weak — most fundamentals deteriorated |
Where this differs from the paper: return on assets is on average rather than beginning-of-year assets, and weighted basic shares stand in for shares issued. The score is shown only when all nine tests can be worked out, which takes three fiscal years; banks and insurers, which report no current assets or gross profit, have none.
Piotroski F-score against peers
| Company | Piotroski F-score |
|---|---|
| TCBK TriCo Bancshares | 9 |
| BFC Bank First National Corporation compare | 8 |
| DCOM Dime Community Bancshares, Inc. compare | 7 |
| LOB Live Oak Bancshares, Inc. compare | 7 |
| NBHC National Bank Holdings Corporation compare | 6 |
| BY Byline Bancorp, Inc. compare | 6 |
| HAPN Happen Inc. compare | 6 |
| FSUN FirstSun Capital Bancorp compare | 6 |
| QCRH QCR Holdings, Inc. compare | 5 |
What Piotroski F-score is
The Piotroski F-Score tells an investor how many signs of improving profitability, funding and efficiency a company shows against a year earlier.
One point for each of nine tests against a year earlier: positive return on assets, positive operating cash flow, rising return on assets, cash flow above net income, falling long-term leverage, rising current ratio, no new shares issued, rising gross margin, and rising asset turnover