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TriCo Bancshares(TCBK)Earnings, Financials & Key Ratios
TCBK•NASDAQ•Banking & Credit
13.9× P/E·Price updated Jun 19, 2026
AboutTriCo 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; commercial loans, including agricultural loans; and real estate construction loans. In addition, the company offers treasury management services; and other customary banking services, including safe deposit boxes; and independent financial and broker-dealer services. It operates 61 traditional branches, 7 in-store branches, and 7 loan production offices in 31 counties throughout California. The company was founded in 1975 and is headquartered in Chico, California.Show more
- Net Interest Income$350M+6.0%
- Total Revenue$533M+1.8%
- Net Income$122M+5.8%
- Return on Equity9.54%-1.2%
- Net Interest Margin3.56%+4.4%
- Efficiency Ratio44.13%+1.9%
- ROA1.25%+6.3%
- Equity / Assets13.52%+7.1%
- Book Value per Share40.70+10.8%
TCBK Key Insights
TriCo Bancshares (TCBK) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Company is almost debt free
- ✓Strong Piotroski F-Score: 8/9
- ✓Strong NIM of 3.6%
- ✓Efficient operations: 44.1% efficiency ratio
- ✓13 consecutive years of dividend growth
- ✓Well capitalized: 13.5% equity/assets
✗Weaknesses
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
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TCBK Price & Volume
TriCo Bancshares (TCBK) stock price & volume — 10-year historical chart
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TCBK Growth Metrics
TriCo Bancshares (TCBK) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years10.16%
5 Years10.95%
3 Years8.98%
TTM-
Profit CAGR
10 Years10.74%
5 Years13.4%
3 Years-1.04%
TTM5.82%
EPS CAGR
10 Years6.86%
5 Years11.43%
3 Years-1.06%
TTM7.23%
Return on Capital
10 Years11.06%
5 Years11.05%
3 Years9.47%
Last Year10.84%
TCBK Recent Earnings
TriCo Bancshares (TCBK) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 9/12 qtrs (90%)●Beat Revenue 2/12 qtrs (20%)
Q2 2026Latest
Apr 23, 2026Metric
Actual
Est
EPS
$1.04+7.2%
$0.97
Rev
$108M-0.0%
$108M
Q2 2026
Mar 2, 2026Metric
Actual
Est
EPS
$1.03
—
Rev
$137M
—
Q1 2026
Jan 22, 2026Metric
Actual
Est
EPS
$1.03+2.0%
$1.01
Rev
$109M+1.1%
$108M
Q4 2025
Oct 23, 2025Metric
Actual
Est
EPS
$1.04+13.0%
$0.92
Rev
$106M-2.4%
$108M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 23, 2026 | $1.04vs $0.97+7.2% | $108Mvs $108M-0.0% |
| Q2 2026 | Mar 2, 2026 | $1.03 | $137M |
| Q1 2026 | Jan 22, 2026 | $1.03vs $1.01+2.0% | $109Mvs $108M+1.1% |
| Q4 2025 | Oct 23, 2025 | $1.04vs $0.92+13.0% | $106Mvs $108M-2.4% |
Based on last 12 quarters of dataView full earnings history →
TCBK Peer Comparison
TriCo Bancshares (TCBK) competitors in Community and retail regional banks — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 CVBF | 2.83B | 20.81 | 13.69 | -2.33% | 32.48% | 9.25% | 0.43 | |
 WAFD | 2.81B | 36.48 | 13.87 | -1.58% | 17.46% | 8.02% | 0.60 | |
 BANR | 2.2B | 64.83 | 11.49 | -0.95% | 23.84% | 10.34% | 0.19 | |
 COLB | 7.27B | 30.55 | 13.28 | 8.35% | 17.11% | 8.39% | 0.51 | |
 FFIN | 4.7B | 32.78 | 18.52 | 11.71% | 30.71% | 14.16% | 0.01 | |
 BOKF | 7.92B | 130.33 | 14.20 | -1.07% | 17.38% | 9.79% | 0.78 | |
 SFNC | 3.18B | 21.90 | -7.42 | -56.66% | -64.33% | -11.48% | 0.19 | |
 IBCP | 706.3M | 34.31 | 10.49 | -0.3% | 22.12% | 14.2% | 0.23 |
Compare TCBK vs Peers
TriCo Bancshares (TCBK) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
TCBK Income Statement
TriCo Bancshares (TCBK) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Net Interest Income | 173.28M | 213.64M | 255.78M | 256.69M | 270.55M | 344.84M | 355.38M | 329.91M | 349.71M |
NII Growth % | 4.51% | 23.29% | 19.73% | 0.36% | 5.4% | 27.46% | 3.06% | -7.17% | 6% |
Net Interest Margin % | 3.64% | 3.36% | 3.95% | 3.36% | 3.14% | 3.47% | 3.59% | 3.41% | 3.56% |
Interest Income | 181.4M | 226.51M | 271.16M | 266.38M | 276.06M | 354.67M | 437.06M | 465.12M | 469.44M |
Interest Expense | 6.8M | 12.87M | 15.38M | 9.46M | 5.51M | 9.53M | 81.68M | 135.2M | 119.73M |
Loan Loss Provision | 89K | 2.58M | -1.69M | 42.81M | -6.78M | 18.47M | 23.99M | 6.63M | 9.06M |
Non-Interest Income | 45.41M | 45.9M | 49.6M | 50.8M | 58.85M | 57.38M | 55.75M | 58.85M | 63.86M |
Non-Interest Income % | 20.02% | 16.85% | 15.46% | 16.02% | 17.57% | 13.92% | 11.31% | 11.23% | 11.98% |
Total Revenue | 226.81M▲ 0% | 272.42M▲ 20.1% | 320.76M▲ 17.7% | 317.18M▼ 1.1% | 334.9M▲ 5.6% | 412.05M▲ 23.0% | 492.81M▲ 19.6% | 523.97M▲ 6.3% | 533.31M▲ 1.8% |
Revenue Growth % | 6.35% | 20.11% | 17.75% | -1.12% | 5.59% | 23.03% | 19.6% | 6.32% | 1.78% |
Non-Interest Expense | 142.41M | 163.61M | 180.26M | 177.56M | 172.47M | 210.14M | 226.24M | 227.03M | 235.36M |
Efficiency Ratio | 62.79% | 60.06% | 56.2% | 55.98% | 51.5% | 51% | 45.91% | 43.33% | 44.13% |
Operating Income | 77.51M▲ 0% | 93.35M▲ 20.4% | 126.82M▲ 35.9% | 87.35M▼ 31.1% | 163.7M▲ 87.4% | 173.91M▲ 6.2% | 160.93M▼ 7.5% | 155.12M▼ 3.6% | 169.24M▲ 9.1% |
Operating Margin % | 34.17% | 34.27% | 39.54% | 27.54% | 48.88% | 42.21% | 32.66% | 29.61% | 31.73% |
Operating Income Growth % | 6.88% | 20.44% | 35.85% | -31.12% | 87.41% | 6.23% | -7.46% | -3.61% | 9.1% |
Pretax Income | 77.51M▲ 0% | 93.35M▲ 20.4% | 126.82M▲ 35.9% | 87.35M▼ 31.1% | 163.7M▲ 87.4% | 173.91M▲ 6.2% | 160.91M▼ 7.5% | 155.1M▼ 3.6% | 166.16M▲ 7.1% |
Pretax Margin % | 34.17% | 34.27% | 39.54% | 27.54% | 48.88% | 42.21% | 32.65% | 29.6% | 31.16% |
Income Tax | 36.96M | 25.03M | 34.75M | 22.54M | 46.05M | 48.49M | 43.52M | 40.24M | 44.6M |
Effective Tax Rate % | 47.68% | 26.81% | 27.4% | 25.8% | 28.13% | 27.88% | 27.04% | 25.94% | 26.84% |
Net Income | 40.55M▲ 0% | 68.32M▲ 68.5% | 92.07M▲ 34.8% | 64.81M▼ 29.6% | 117.66M▲ 81.5% | 125.42M▲ 6.6% | 117.39M▼ 6.4% | 114.87M▼ 2.1% | 121.56M▲ 5.8% |
Net Margin % | 17.88% | 25.08% | 28.7% | 20.43% | 35.13% | 30.44% | 23.82% | 21.92% | 22.79% |
Net Income Growth % | -9.5% | 68.47% | 34.77% | -29.61% | 81.53% | 6.6% | -6.4% | -2.15% | 5.82% |
Net Income (Continuing) | 40.55M | 68.32M | 92.07M | 64.81M | 117.66M | 125.42M | 117.39M | 114.87M | 121.56M |
EPS (Diluted) | 1.74▲ 0% | 2.54▲ 46.0% | 3.00▲ 18.1% | 2.16▼ 28.0% | 3.94▲ 82.4% | 3.83▼ 2.8% | 3.52▼ 8.1% | 3.47▼ 1.4% | 3.71▲ 6.9% |
EPS Growth % | -10.31% | 45.98% | 18.11% | -28% | 82.41% | -2.79% | -8.09% | -1.42% | 6.92% |
EPS (Basic) | 1.77 | 2.57 | 3.02 | 2.17 | 3.96 | 3.85 | 3.53 | 3.48 | 3.73 |
Diluted Shares Outstanding | 23.25M | 30.42M | 30.64M | 29.73M | 29.88M | 33.33M | 33.35M | 33.23M | 32.63M |
TCBK Balance Sheet
TriCo Bancshares (TCBK) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash & Short Term Investments | 933.37M | 1.34B | 1.23B | 2.08B | 2.98B | 2.56B | 2.25B | 152.79M | 157.01M |
Cash & Due from Banks | 205.43M | 227.53M | 276.51M | 669.55M | 768.42M | 107.23M | 98.7M | 144.96M | 157.01M |
Short Term Investments | 730.88M | 1.12B | 950.14M | 1.42B | 2.21B | 2.46B | 2.15B | 7.84M | 57K |
Total Investments | 4.24B | 5.56B | 5.61B | 6.38B | 7.24B | 8.95B | 8.95B | 8.66B | 8.83B |
Investments Growth % | 8.43% | 31.19% | 0.96% | 13.66% | 13.54% | 23.71% | -0.01% | -3.32% | 2.01% |
Long-Term Investments | 3.51B | 4.44B | 4.66B | 4.96B | 5.03B | 6.5B | 6.8B | 8.65B | 8.83B |
Accounts Receivables | 13.77M | 19.41M | 18.9M | 20M | 19.29M | 31.86M | 36.77M | 34.81M | 0 |
Goodwill & Intangibles | 76.17M | 250.25M | 244.43M | 238.71M | 233.24M | 321.11M | 314.99M | 310.87M | 308.91M |
Goodwill | 64.31M | 220.97M | 220.87M | 220.87M | 220.87M | 304.44M | 304.44M | 304.44M | 304.44M |
Intangible Assets | 11.86M | 29.28M | 23.56M | 17.83M | 12.37M | 16.67M | 10.55M | 6.43M | 4.47M |
PP&E (Net) | 57.74M | 89.35M | 114.97M | 111.58M | 104.35M | 99.19M | 97.48M | 93.82M | 95.23M |
Other Assets | 142.45M | 209.93M | 205.66M | 220.29M | 244.13M | 408.97M | 400.11M | 426.05M | 396.82M |
Total Current Assets | 950.08M | 1.36B | 1.25B | 2.1B | 3B | 2.6B | 2.3B | 194.41M | 190.67M |
Total Non-Current Assets | 3.81B | 4.99B | 5.22B | 5.53B | 5.61B | 7.33B | 7.61B | 9.48B | 9.63B |
Total Assets | 4.76B▲ 0% | 6.35B▲ 33.4% | 6.47B▲ 1.9% | 7.64B▲ 18.1% | 8.61B▲ 12.8% | 9.93B▲ 15.3% | 9.91B▼ 0.2% | 9.67B▼ 2.4% | 9.82B▲ 1.5% |
Asset Growth % | 5.39% | 33.42% | 1.87% | 18.05% | 12.77% | 15.28% | -0.21% | -2.39% | 1.53% |
Return on Assets (ROA) | 0.87% | 1.23% | 1.44% | 0.92% | 1.45% | 1.35% | 1.18% | 1.17% | 1.25% |
Accounts Payable | 930K | 2M | 2.41M | 1.36M | 928K | 1.17M | 8.45M | 11.5M | 8.79M |
Total Debt | 196.46M | 88.72M | 121.68M | 139.44M | 184.53M | 442.55M | 794.52M | 216.24M | 80.23M |
Net Debt | -8.97M | -138.81M | -154.83M | -530.12M | -583.89M | 335.32M | 695.82M | 71.28M | -76.78M |
Long-Term Debt | 179.02M | 72.88M | 75.69M | 84.55M | 108.17M | 365.64M | 733.68M | 190.8M | 52.95M |
Short-Term Debt | 17.44M | 15.84M | 18.45M | 26.91M | 50.09M | 47.91M | 32.58M | 0 | 0 |
Other Liabilities | 41.14M | 67.89M | 73.53M | 67.68M | 61.98M | 111.84M | 113.4M | 137.51M | 141.14M |
Total Current Liabilities | 4.03B | 5.38B | 5.39B | 6.53B | 7.42B | 8.38B | 7.88B | 8.1B | 8.27B |
Total Non-Current Liabilities | 221.39M | 140.77M | 176.76M | 180.21M | 196.43M | 506.49M | 875.34M | 353.74M | 221.37M |
Total Liabilities | 4.26B | 5.53B | 5.56B | 6.71B | 7.61B | 8.88B | 8.75B | 8.45B | 8.49B |
Total Equity | 505.81M▲ 0% | 827.37M▲ 63.6% | 906.57M▲ 9.6% | 925.11M▲ 2.0% | 1B▲ 8.1% | 1.05B▲ 4.6% | 1.16B▲ 10.8% | 1.22B▲ 5.3% | 1.33B▲ 8.8% |
Equity Growth % | 5.96% | 63.57% | 9.57% | 2.05% | 8.11% | 4.62% | 10.82% | 5.28% | 8.77% |
Equity / Assets (Capital Ratio) | 10.62% | 13.02% | 14.01% | 12.11% | 11.61% | 10.54% | 11.7% | 12.62% | 13.52% |
Return on Equity (ROE) | 8.25% | 10.25% | 10.62% | 7.08% | 12.22% | 12.26% | 10.64% | 9.65% | 9.54% |
Book Value per Share | 21.76 | 27.20 | 29.58 | 31.12 | 33.47 | 31.39 | 34.77 | 36.74 | 40.70 |
Tangible BV per Share | 18.48 | 18.97 | 21.61 | 23.09 | 25.67 | 21.76 | 25.32 | 27.39 | 31.23 |
Common Stock | 255.84M | 541.76M | 544M | 530.84M | 532.24M | 697.45M | 697.35M | 693.46M | 682.36M |
Additional Paid-in Capital | 255.84M | 541.76M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Retained Earnings | 255.2M | 303.49M | 367.79M | 382M | 466.96M | 542.87M | 615.5M | 679.91M | 740.24M |
Accumulated OCI | -261.06M | -559.64M | -5.22M | 12.28M | 981K | -193.91M | -153.17M | -152.46M | -94.61M |
Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
TCBK Cash Flow Statement
TriCo Bancshares (TCBK) cash flow — operating, investing & free cash flow history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | 55.38M | 91.07M | 102.81M | 114.8M | 132.21M | 162.9M | 138.89M | 109.71M | 133.29M |
Operating CF Growth % | 14.84% | 64.44% | 12.89% | 11.67% | 15.16% | 23.21% | -14.74% | -21.01% | 21.5% |
Net Income | 40.55M | 68.32M | 92.07M | 64.81M | 117.66M | 125.42M | 117.39M | 114.87M | 121.56M |
Depreciation & Amortization | 8.18M | 10.51M | 17.23M | 17.57M | 17.28M | 18.38M | 18.85M | 16.07M | 0 |
Deferred Taxes | 12.47M | 2.6M | 1.69M | -14.15M | -936K | -8.02M | -2.4M | -646K | 0 |
Other Non-Cash Items | -2.58M | 2.62M | -9.61M | 37.1M | -7.09M | 15.62M | 17.2M | -1.93M | 23.67M |
Working Capital Changes | -4.83M | 5.56M | -228K | 7.43M | 2.66M | 7.63M | -16.28M | -23.32M | -11.93M |
Cash from Investing | -357.44M | -142M | -29.79M | -816.33M | -883.81M | -723.22M | 28.57M | 285M | -82.63M |
Purchase of Investments | -265.81M | -436.68M | -37.25M | -617.55M | -1.19B | -699.03M | -34.47M | -187.76M | 0 |
Sale/Maturity of Investments | 176.07M | 435.23M | 293.4M | 257.6M | 455.56M | 306.23M | 420.02M | 454.34M | 0 |
Net Investment Activity | -89.74M | -1.45M | 256.15M | -359.95M | -735.13M | -392.81M | 385.55M | 266.58M | 0 |
Acquisitions | 0 | 30.61M | 0 | 0 | 0 | 426.88M | 0 | 0 | 0 |
Other Investing | -252.54M | -163.8M | -281.65M | -453.57M | -145.49M | -753.68M | -352.1M | 22.98M | -82.63M |
Cash from Financing | 201.88M | 73.04M | -24.04M | 1.09B | 850.47M | -100.86M | -175.98M | -348.45M | -38.6M |
Dividends Paid | -15.13M | -18.77M | -25M | -26.3M | -29.72M | -35.8M | -39.9M | -43.65M | -45.03M |
Share Repurchases | -1.63M | -2.48M | -2.2M | -26.72M | -4.34M | -27.15M | -9.24M | -15.54M | -32.05M |
Stock Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Net Stock Activity | -1.63M | -2.48M | -2.2M | -26.72M | -4.34M | -27.15M | -9.24M | -15.54M | -32.05M |
Debt Issuance (Net) | 1000K | -1000K | 1000K | 1000K | 1000K | 1000K | 1000K | -1000K | -1000K |
Other Financing | 113.97M | 365.62M | 537K | 1.14B | 861.37M | -252.44M | -494.82M | 253.71M | 176.32M |
Net Change in Cash | -100.18M▲ 0% | 22.11M▲ 122.1% | 48.97M▲ 121.6% | 393.04M▲ 702.6% | 98.87M▼ 74.8% | -661.19M▼ 768.7% | -8.53M▲ 98.7% | 46.26M▲ 642.3% | 12.06M▼ 73.9% |
Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Cash at Beginning | 305.61M | 205.43M | 227.53M | 276.51M | 669.55M | 768.42M | 107.23M | 98.7M | 144.96M |
Cash at End | 205.43M | 227.53M | 276.51M | 669.55M | 768.42M | 107.23M | 98.7M | 144.96M | 157.01M |
Interest Paid | 5.61M | 11.8M | 14.96M | 10.5M | 5.94M | 9.29M | 74.4M | 132.15M | 122.44M |
Income Taxes Paid | 21.17M | 14.53M | 35.05M | 29.5M | 46.3M | 41M | 45.3M | 33.7M | 27.67M |
Free Cash Flow | 40.22M▲ 0% | 83.63M▲ 108.0% | 98.51M▲ 17.8% | 111.99M▲ 13.7% | 129.01M▲ 15.2% | 159.27M▲ 23.5% | 134M▼ 15.9% | 105.15M▼ 21.5% | 127.93M▲ 21.7% |
FCF Growth % | 7.83% | 107.96% | 17.79% | 13.68% | 15.2% | 23.46% | -15.87% | -21.53% | 21.67% |
TCBK Banking Ratios
TriCo Bancshares (TCBK) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
Return on Equity (ROE) | 9.64% | 8.25% | 10.25% | 10.62% | 7.08% | 12.22% | 12.26% | 10.64% | 9.65% | 9.54% |
Return on Assets (ROA) | 1.03% | 0.87% | 1.23% | 1.44% | 0.92% | 1.45% | 1.35% | 1.18% | 1.17% | 1.25% |
Net Interest Margin | 3.67% | 3.64% | 3.36% | 3.95% | 3.36% | 3.14% | 3.47% | 3.59% | 3.41% | 3.56% |
Efficiency Ratio | 66.11% | 62.79% | 60.06% | 56.2% | 55.98% | 51.5% | 51% | 45.91% | 43.33% | 44.13% |
Equity / Assets | 10.57% | 10.62% | 13.02% | 14.01% | 12.11% | 11.61% | 10.54% | 11.7% | 12.62% | 13.52% |
Book Value / Share | 20.68 | 21.76 | 27.2 | 29.58 | 31.12 | 33.47 | 31.39 | 34.77 | 36.74 | 40.7 |
NII Growth | 7.75% | 4.51% | 23.29% | 19.73% | 0.36% | 5.4% | 27.46% | 3.06% | -7.17% | 6% |
Dividend Payout | 30.56% | 37.31% | 27.47% | 27.15% | 40.58% | 25.26% | 28.54% | 33.99% | 38% | 37.04% |
Related:TCBK Dividend History·TCBK Revenue History·TCBK Price History·TCBK P/E History·TCBK Financial Ratios·TCBK Institutional Holders
TCBK SEC Filings & Documents
TriCo Bancshares (TCBK) SEC filings — annual & quarterly reports (10-K, 10-Q)
TCBK Frequently Asked Questions
TriCo Bancshares (TCBK) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
TriCo Bancshares (TCBK) grew revenue by 1.8% over the past year. Growth has been modest.
Yes, TriCo Bancshares (TCBK) is profitable, generating $121.6M in net income for fiscal year 2025 (22.8% net margin).
Dividend & Returns
Yes, TriCo Bancshares (TCBK) pays a dividend with a yield of 2.68%. This makes it attractive for income-focused investors.
TriCo Bancshares (TCBK) has a return on equity (ROE) of 9.5%. This is below average, suggesting room for improvement.
Industry Metrics
TriCo Bancshares (TCBK) has a net interest margin (NIM) of 3.6%. This indicates healthy earnings from lending activities.
TriCo Bancshares (TCBK) has an efficiency ratio of 44.1%. This is excellent, indicating strong cost control.