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TCBK logoTriCo Bancshares(TCBK)Earnings, Financials & Key Ratios

TCBK•NASDAQ•Banking & Credit
$50.80
$1.63B mkt cap·13.7× P/E·Price updated May 6, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommunity and retail regional banks
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%
  • Tangible BV/Share31.23+14.0%
  • Debt/Equity0.06-65.9%
Technical→

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
  • ✓Well capitalized: 13.5% equity/assets
  • ✓Healthy dividend yield of 2.7%

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

TCBK Price & Volume

TriCo Bancshares (TCBK) stock price & volume — 10-year historical chart

Loading chart...

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

Full history →
●Beat EPS 9/12 qtrs (90%)●Beat Revenue 2/12 qtrs (20%)
Q2 2026Latest
Apr 23, 2026
EPS
$1.04
Est $0.97
+7.2%
Revenue
$108M
Est $108M
-0.0%
Q2 2026
Mar 2, 2026
EPS
$1.03
Revenue
$137M
Q1 2026
Jan 22, 2026
EPS
$1.03
Est $1.01
+2.0%
Revenue
$109M
Est $108M
+1.1%
Q4 2025
Oct 23, 2025
EPS
$1.04
Est $0.92
+13.0%
Revenue
$106M
Est $108M
-2.4%
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 23, 2026
$1.04vs $0.97+7.2%
$108Mvs $108M-0.0%
Q2 2026Mar 2, 2026
$1.03
$137M
Q1 2026Jan 22, 2026
$1.03vs $1.01+2.0%
$109Mvs $108M+1.1%
Q4 2025Oct 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

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
CVBF logoCVBFCVB Financial Corp.Direct Competitor2.8B20.6313.57-2.33%9.25%0.43
WAFD logoWAFDWaFd, Inc.Direct Competitor2.72B35.6413.55-1.58%8.02%0.60
BANR logoBANRBanner CorporationDirect Competitor2.24B66.2311.74-0.95%10.34%0.19
COLB logoCOLBColumbia Banking System, Inc.Direct Competitor7.19B30.2013.138.35%8.39%0.51
FFIN logoFFINFirst Financial Bankshares, Inc.Direct Competitor4.64B32.6020.9018.79%13.25%0.12
BOKF logoBOKFBOK Financial CorporationProduct Competitor10.44B135.5416.6510.4%8.91%0.80
SFNC logoSFNCSimmons First National CorporationProduct Competitor3.13B21.59-7.32-56.66%-11.63%0.19
IBCP logoIBCPIndependent Bank CorporationProduct Competitor696.01M33.8110.34-0.3%14.2%0.23

Compare TCBK vs Peers

TriCo Bancshares (TCBK) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs CVBF

Most directly comparable listed peer for TCBK.

Scale Benchmark

vs ICE

Larger-name benchmark to compare TCBK against a more recognizable public peer.

Peer Set

Compare Top 5

vs CVBF, WAFD, BANR, COLB

TCBK Income Statement

TriCo Bancshares (TCBK) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income173.28M213.64M255.78M256.69M270.55M344.84M355.38M329.91M349.71M
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 Income181.4M226.51M271.16M266.38M276.06M354.67M437.06M465.12M469.44M
Interest Expense6.8M12.87M15.38M9.46M5.51M9.53M81.68M135.2M119.73M
Loan Loss Provision89K2.58M-1.69M42.81M-6.78M18.47M23.99M6.63M9.06M
Non-Interest Income45.41M45.9M49.6M50.8M58.85M57.38M55.75M58.85M63.86M
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 Expense142.41M163.61M180.26M177.56M172.47M210.14M226.24M227.03M235.36M
Efficiency Ratio62.79%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 Tax36.96M25.03M34.75M22.54M46.05M48.49M43.52M40.24M44.6M
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)40.55M68.32M92.07M64.81M117.66M125.42M117.39M114.87M121.56M
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)1.772.573.022.173.963.853.533.483.73
Diluted Shares Outstanding23.25M30.42M30.64M29.73M29.88M33.33M33.35M33.23M32.63M

TCBK Balance Sheet

TriCo Bancshares (TCBK) balance sheet — assets, liabilities & shareholders' equity

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments933.37M1.34B1.23B2.08B2.98B2.56B2.25B152.79M157.01M
Cash & Due from Banks205.43M227.53M276.51M669.55M768.42M107.23M98.7M144.96M157.01M
Short Term Investments730.88M1.12B950.14M1.42B2.21B2.46B2.15B7.84M57K
Total Investments4.24B5.56B5.61B6.38B7.24B8.95B8.95B8.66B8.83B
Investments Growth %8.43%31.19%0.96%13.66%13.54%23.71%-0.01%-3.32%2.01%
Long-Term Investments3.51B4.44B4.66B4.96B5.03B6.5B6.8B8.65B8.83B
Accounts Receivables13.77M19.41M18.9M20M19.29M31.86M36.77M34.81M0
Goodwill & Intangibles76.17M250.25M244.43M238.71M233.24M321.11M314.99M310.87M308.91M
Goodwill64.31M220.97M220.87M220.87M220.87M304.44M304.44M304.44M304.44M
Intangible Assets11.86M29.28M23.56M17.83M12.37M16.67M10.55M6.43M4.47M
PP&E (Net)57.74M89.35M114.97M111.58M104.35M99.19M97.48M93.82M95.23M
Other Assets142.45M209.93M205.66M220.29M244.13M408.97M400.11M426.05M396.82M
Total Current Assets950.08M1.36B1.25B2.1B3B2.6B2.3B194.41M190.67M
Total Non-Current Assets3.81B4.99B5.22B5.53B5.61B7.33B7.61B9.48B9.63B
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 Payable930K2M2.41M1.36M928K1.17M8.45M11.5M8.79M
Total Debt196.46M88.72M121.68M139.44M184.53M442.55M794.52M216.24M80.23M
Net Debt-8.97M-138.81M-154.83M-530.12M-583.89M335.32M695.82M71.28M-76.78M
Long-Term Debt179.02M72.88M75.69M84.55M108.17M365.64M733.68M190.8M52.95M
Short-Term Debt17.44M15.84M18.45M26.91M50.09M47.91M32.58M00
Other Liabilities41.14M67.89M73.53M67.68M61.98M111.84M113.4M137.51M141.14M
Total Current Liabilities4.03B5.38B5.39B6.53B7.42B8.38B7.88B8.1B8.27B
Total Non-Current Liabilities221.39M140.77M176.76M180.21M196.43M506.49M875.34M353.74M221.37M
Total Liabilities4.26B5.53B5.56B6.71B7.61B8.88B8.75B8.45B8.49B
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 Share21.7627.2029.5831.1233.4731.3934.7736.7440.70
Tangible BV per Share18.4818.9721.6123.0925.6721.7625.3227.3931.23
Common Stock255.84M541.76M544M530.84M532.24M697.45M697.35M693.46M682.36M
Additional Paid-in Capital255.84M541.76M0000000
Retained Earnings255.2M303.49M367.79M382M466.96M542.87M615.5M679.91M740.24M
Accumulated OCI-261.06M-559.64M-5.22M12.28M981K-193.91M-153.17M-152.46M-94.61M
Treasury Stock000000000
Preferred Stock000000000

TCBK Cash Flow Statement

TriCo Bancshares (TCBK) cash flow — operating, investing & free cash flow history

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations55.38M91.07M102.81M114.8M132.21M162.9M138.89M109.71M133.29M
Operating CF Growth %14.84%64.44%12.89%11.67%15.16%23.21%-14.74%-21.01%21.5%
Net Income40.55M68.32M92.07M64.81M117.66M125.42M117.39M114.87M121.56M
Depreciation & Amortization8.18M10.51M17.23M17.57M17.28M18.38M18.85M16.07M0
Deferred Taxes12.47M2.6M1.69M-14.15M-936K-8.02M-2.4M-646K0
Other Non-Cash Items-2.58M2.62M-9.61M37.1M-7.09M15.62M17.2M-1.93M23.67M
Working Capital Changes-4.83M5.56M-228K7.43M2.66M7.63M-16.28M-23.32M-11.93M
Cash from Investing-357.44M-142M-29.79M-816.33M-883.81M-723.22M28.57M285M-82.63M
Purchase of Investments-265.81M-436.68M-37.25M-617.55M-1.19B-699.03M-34.47M-187.76M0
Sale/Maturity of Investments176.07M435.23M293.4M257.6M455.56M306.23M420.02M454.34M0
Net Investment Activity-89.74M-1.45M256.15M-359.95M-735.13M-392.81M385.55M266.58M0
Acquisitions030.61M000426.88M000
Other Investing-252.54M-163.8M-281.65M-453.57M-145.49M-753.68M-352.1M22.98M-82.63M
Cash from Financing201.88M73.04M-24.04M1.09B850.47M-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 Issued000000000
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-1000K1000K1000K1000K1000K1000K-1000K-1000K
Other Financing113.97M365.62M537K1.14B861.37M-252.44M-494.82M253.71M176.32M
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 Effect000000000
Cash at Beginning305.61M205.43M227.53M276.51M669.55M768.42M107.23M98.7M144.96M
Cash at End205.43M227.53M276.51M669.55M768.42M107.23M98.7M144.96M157.01M
Interest Paid5.61M11.8M14.96M10.5M5.94M9.29M74.4M132.15M122.44M
Income Taxes Paid21.17M14.53M35.05M29.5M46.3M41M45.3M33.7M27.67M
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

Metric2016201720182019202020212022202320242025
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 Margin3.67%3.64%3.36%3.95%3.36%3.14%3.47%3.59%3.41%3.56%
Efficiency Ratio66.11%62.79%60.06%56.2%55.98%51.5%51%45.91%43.33%44.13%
Equity / Assets10.57%10.62%13.02%14.01%12.11%11.61%10.54%11.7%12.62%13.52%
Book Value / Share20.6821.7627.229.5831.1233.4731.3934.7736.7440.7
NII Growth7.75%4.51%23.29%19.73%0.36%5.4%27.46%3.06%-7.17%6%
Dividend Payout30.56%37.31%27.47%27.15%40.58%25.26%28.54%33.99%38%37.04%

TCBK SEC Filings & Documents

TriCo Bancshares (TCBK) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 23, 2026·SEC

Material company update

Feb 23, 2026·SEC

Material company update

Jan 22, 2026·SEC

10-K Annual Reports

3
FY 2026

Mar 2, 2026·SEC

FY 2025

Mar 3, 2025·SEC

FY 2024

Feb 29, 2024·SEC

10-Q Quarterly Reports

6
FY 2025

Nov 10, 2025·SEC

FY 2025

Aug 11, 2025·SEC

FY 2025

May 12, 2025·SEC

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 2.72%. 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.

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.

Explore More TCBK

TriCo Bancshares (TCBK) financial analysis — history, returns, DCA and operating performance tools

Total Return Calculator

Historical returns with dividends reinvested

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DCA Calculator

Dollar cost averaging vs lump sum

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Dividend History

Yield, growth, payout safety & DRIP

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Earnings History

EPS trends, net income & profitability

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Price History

Long-term charts & historical price data

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Revenue History

Sales growth patterns & revenue breakdown

→

Financial Ratios

30 years of market, efficiency and balance-sheet ratios

→

Valuation

DCF intrinsic value, peer multiples & estimates

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