8-K Announcements
6Apr 23, 2026·SEC
Feb 23, 2026·SEC
Jan 22, 2026·SEC
TriCo Bancshares (TCBK) fundamental analysis — strengths, weaknesses & financial health based on data analysis
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
TriCo Bancshares (TCBK) stock price & volume — 10-year historical chart
TriCo Bancshares (TCBK) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
TriCo Bancshares (TCBK) EPS & revenue vs analyst estimates — last 4 quarters
| 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% |
TriCo Bancshares (TCBK) competitors in Community and retail regional banks — business model, growth, and fundamentals comparison
TriCo Bancshares (TCBK) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
TriCo Bancshares (TCBK) annual income statement — 10-year revenue, gross profit & net income history
| Line item | 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 |
TriCo Bancshares (TCBK) balance sheet — assets, liabilities & shareholders' equity
| Line item | 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 |
TriCo Bancshares (TCBK) cash flow — operating, investing & free cash flow history
| Line item | 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% |
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% |
TriCo Bancshares (TCBK) SEC filings — annual & quarterly reports (10-K, 10-Q)
Apr 23, 2026·SEC
Feb 23, 2026·SEC
Jan 22, 2026·SEC
TriCo Bancshares (TCBK) stock FAQ — growth, dividends, profitability & financials explained
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).
Yes, TriCo Bancshares (TCBK) pays a dividend with a yield of 2.72%. 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.
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.
TriCo Bancshares (TCBK) financial analysis — history, returns, DCA and operating performance tools
Historical returns with dividends reinvested
Dollar cost averaging vs lump sum
Yield, growth, payout safety & DRIP
EPS trends, net income & profitability
Long-term charts & historical price data
Sales growth patterns & revenue breakdown
30 years of market, efficiency and balance-sheet ratios
DCF intrinsic value, peer multiples & estimates