Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
TriCo Bancshares's quarterly P/E stands at 11.5x, down 7.4% year-over-year. EV/EBITDA has compressed 21.2% YoY to 7.0x, reflecting multiple compression or accelerating EBITDA.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 13.85 | 11.50 | 10.68 | 12.05 | 12.49 | 12.41 | 12.12 | 11.37 | 11.08 | 13.77 | 8.70 | 11.07 | 9.72 |
| — | -7.4% | -11.9% | +6.0% | +12.7% | -9.9% | +39.2% | +2.7% | +14.0% | +17.8% | -12.7% | -9.8% | -34.9% | |
| P/S Ratio | 3.10 | 2.81 | 2.67 | 2.53 | 2.58 | 2.76 | 2.67 | 2.51 | 2.37 | 2.75 | 2.10 | 2.28 | 3.03 |
| — | +2.1% | -0.2% | +0.8% | +9.0% | +0.1% | +27.2% | +10.0% | -21.8% | -24.5% | -37.8% | -39.6% | -16.9% | |
| P/B Ratio | 1.26 | 1.16 | 1.11 | 1.05 | 1.05 | 1.19 | 1.14 | 1.12 | 1.06 | 1.24 | 1.00 | 1.01 | 1.28 |
| — | -2.3% | -2.3% | -6.0% | -0.1% | -4.0% | +14.4% | +10.6% | -17.3% | -24.2% | -33.9% | -31.5% | +17.0% | |
| P/FCF | 12.92 | 12.86 | 8.41 | 11.82 | 14.50 | 15.80 | 12.92 | 10.67 | 12.76 | 10.09 | 5.86 | 18.17 | 9.21 |
| — | -18.6% | -35.0% | +10.8% | +13.7% | +56.6% | +120.6% | -41.3% | +38.5% | +28.7% | -45.2% | +68.6% | +4.3% | |
| EV / EBITDA | 8.62 | 6.99 | 6.19 | 7.04 | 7.93 | 8.87 | 8.56 | 8.60 | 9.98 | 13.09 | 8.68 | 9.86 | 8.56 |
| — | -21.2% | -27.6% | -18.2% | -20.6% | -32.2% | -1.3% | -12.8% | +16.6% | +43.3% | +37.0% | +55.5% | +224.0% | |
| EV / EBIT | 9.31 | 7.41 | 6.67 | 7.68 | 8.71 | 9.77 | 9.44 | 9.49 | 11.05 | 14.62 | 9.65 | 11.30 | 9.43 |
| — | -24.2% | -29.3% | -19.0% | -21.1% | -33.2% | -2.2% | -16.0% | +17.1% | +46.3% | +39.6% | +60.4% | +212.5% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
TriCo Bancshares's operating margin was 36.1% in Q4 2025, up 2.0 pp QoQ and up 6.5 pp YoY. This marks the 4th consecutive quarter of margin expansion, signaling a sustained improvement in operating efficiency. The trailing four-quarter average of 31.6% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 8.0% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 75.9% | 79.7% | 77.1% | 73.8% | 72.5% | 73.8% | 73.5% | 72.9% | 71.5% | 72.9% | 77.6% | 76.7% | 88.0% |
| — | +8.0% | +4.9% | +1.2% | +1.5% | +1.2% | -5.2% | -4.9% | -18.8% | -21.5% | -17.9% | -20.2% | -0.5% | |
| Operating Margin | 31.7% | 36.1% | 34.1% | 28.7% | 27.6% | 29.6% | 29.8% | 29.9% | 29.1% | 28.0% | 33.2% | 27.6% | 42.7% |
| — | +22.0% | +14.5% | -3.9% | -5.2% | +5.8% | -10.0% | +8.1% | -31.8% | -35.9% | -28.9% | -34.8% | +25.2% | |
| Net Margin | 22.8% | 24.5% | 25.0% | 20.9% | 20.5% | 22.1% | 22.0% | 22.2% | 21.4% | 20.0% | 24.1% | 20.6% | 31.2% |
| — | +10.8% | +13.7% | -5.6% | -4.1% | +10.2% | -8.8% | +7.8% | -31.4% | -35.5% | -28.7% | -33.3% | +27.0% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 9.5% | 2.6% | 2.6% | 2.2% | 2.1% | 2.4% | 2.4% | 2.5% | 2.4% | 2.3% | 2.8% | 2.3% | 3.4% |
| — | +8.1% | +9.9% | -12.1% | -10.9% | +0.9% | -14.9% | +8.9% | -28.8% | -34.5% | -23.0% | -21.8% | +73.6% | |
| ROA | 1.2% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.4% |
| — | +14.6% | +15.7% | -6.0% | -3.9% | +13.1% | -4.1% | +17.4% | -22.4% | -27.9% | -16.6% | -18.4% | +66.6% | |
| ROIC | 8.9% | 2.7% | 2.5% | 2.0% | 1.8% | 1.9% | 1.9% | 1.8% | 1.6% | 1.5% | 1.9% | 1.5% | 2.3% |
| — | +39.6% | +34.1% | +8.5% | +17.4% | +28.5% | -1.3% | +18.4% | -33.5% | -48.7% | -42.2% | -41.2% | +35.7% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
TriCo Bancshares's Debt/EBITDA ratio is 1.5x, down from 1.7x last quarter — comfortably within a safe range. Debt/Equity has declined for 9 consecutive quarters, reflecting a deleveraging trend.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.06 | 0.06 | 0.07 | 0.11 | 0.17 | 0.18 | 0.32 | 0.32 | 0.45 | 0.69 | 0.62 | 0.48 | 0.52 |
| — | -66.0% | -79.3% | -64.7% | -61.4% | -74.1% | -49.0% | -33.4% | -13.8% | +62.0% | +249.9% | +202.8% | +244.3% | |
| Debt / EBITDA | 0.44 | 1.53 | 1.72 | 3.46 | 5.59 | 5.05 | 9.08 | 8.71 | 12.50 | 19.54 | 14.28 | 13.70 | 10.52 |
| — | -69.8% | -81.1% | -60.2% | -55.3% | -74.2% | -36.4% | -36.4% | +18.9% | +146.8% | +354.1% | +296.9% | +102.3% | |
| Current Ratio | 0.02 | 0.02 | 0.04 | 0.04 | 0.27 | 0.02 | 0.29 | 0.27 | 0.28 | 0.29 | 0.29 | 0.31 | 0.32 |
| — | -4.0% | -86.1% | -84.2% | -2.7% | -91.8% | -0.0% | -11.4% | -13.5% | -6.0% | -9.0% | -14.2% | -19.0% | |
| Quick Ratio | 0.02 | 0.02 | 0.04 | 0.04 | 0.27 | 0.02 | 0.29 | 0.27 | 0.28 | 0.29 | 0.29 | 0.31 | 0.32 |
| — | -4.0% | -86.1% | -84.2% | -2.7% | -91.8% | -0.0% | -11.4% | -13.5% | -6.0% | -9.0% | -14.2% | -19.0% | |
| Interest Coverage | 1.41 | 1.78 | 1.53 | 1.27 | 1.12 | 1.19 | 1.13 | 1.12 | 1.15 | 1.24 | 1.73 | 1.80 | 5.12 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Quick answers to the most common questions about buying TCBK stock.
TriCo Bancshares's current P/E is 13.9x. The average P/E over the last 4 quarters is 11.7x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
TriCo Bancshares's current operating margin is 31.7%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking TriCo Bancshares's business trajectory between earnings reports.