TCBK Stock Analysis: TriCo Bancshares | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 1.906m USD | 12M Return: 36.2% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 22.5M
EPS Trend: 48.9%
Qual. Beats: 0
Rev. Trend: 92.5%
Qual. Beats: 0
Warnings
Tailwinds
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
TriCo Bancshares (NASDAQ: TCBK) is a bank holding company headquartered in Chico, California, that operates through its subsidiary, Tri Counties Bank. Founded in 1975, the company provides a full suite of commercial and retail banking services to both individual and corporate customers across the United States.
The companys deposit offerings include demand, savings, and time deposits, as well as checking, money market, health savings, and education accounts, alongside CDs, IRAs, and business and public funds savings products. Its lending portfolio spans small business loans, residential and commercial real estate mortgages, consumer loans, agricultural and commercial loans, vehicle loans (including motorcycles, RVs, and boats), and real estate construction financing.
Beyond traditional banking, TriCo provides treasury management, credit and debit cards, safe deposit boxes, brokerage and wealth management services, equipment financing, digital banking, overdraft services, and payment processing. As a regional bank within the Financials sector, TriCo operates a community-focused business model typical of its peer group, serving local markets rather than operating a nationwide branch network. The company has been publicly traded since its 1993 IPO and is classified as a small-cap stock with a market capitalization of approximately $1.65 billion USD.
- Net interest margin compresses as Fed cuts rates
- California CRE loan concentration raises credit risk
- Deposit costs rise pressuring funding spreads
| Net Income: 135.5m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.34 > 1.0 |
| NWC/Revenue: -1.49k% < 20% (prev -1.53k%; Δ 43.08% < -1%) |
| CFO/TA 0.01 > 3% & CFO 142.5m > Net Income 135.5m |
| Net Debt (-1.64m) to EBITDA (201.8m): -0.01 < 3 |
| Current Ratio: 0.02 > 1.5 & < 3 |
| Outstanding Shares: last quarter (32.1m) vs 12m ago -2.52% < -2% |
| Gross Margin: 78.20% > 18% (prev 73.41%; Δ 4.80% > 0.5%) |
| Asset Turnover: 5.50% > 50% (prev 5.27%; Δ 0.22% > 0%) |
| Interest Coverage Ratio: 1.68 > 6 (EBIT TTM 188.2m / Interest Expense TTM 112.3m) |
| A: -0.82 (Total Current Assets 138.7m - Total Current Liabilities 8.27b) / Total Assets 9.93b |
| B: 0.08 (Retained Earnings 771.4m / Total Assets 9.93b) |
| C: 0.02 (EBIT TTM 188.2m / Avg Total Assets 9.93b) |
| D: 0.16 (Book Value of Equity 1.34b / Total Liabilities 8.59b) |
| Altman-Z'' = -4.83 = D |
| DSRI: 0.84 (Receivables 33.5m/38.1m, Revenue 545.8m/523.4m) |
| GMI: 0.94 (GM 73.41% / 78.20%) |
| AQI: 1.03 (AQ_t 0.98 / AQ_t-1 0.95) |
| SGI: 1.04 (Revenue 545.8m / 523.4m) |
| TATA: -0.00 (NI 135.5m - CFO 142.5m) / TA 9.93b) |
| Beneish M = -3.17 (Cap -4..+1) = AA |
As of July 28, 2026, the stock is trading at USD 57.57 with a total of 340,829 shares traded. Over the past week, the price has changed by -3.73%, over one month by +8.11%, over three months by +14.61% and over the past year by +36.20%.
Current recommended Stop Loss: 55.80 (which is 3.1% or 1.2 ATR below the current price).
TriCo Bancshares has received a consensus analysts rating of 3.67. Therefore, it is recommended to hold TCBK.
- StrongBuy: 1
- Buy: 2
- Hold: 3
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 61.2 | 6.3% |
P/E Trailing = 15.1224
P/E Forward = 12.1212
P/S = 4.5823
P/B = 1.4365
P/EG = 1.9393
Revenue TTM = 545.8m USD
EBIT TTM = 188.2m USD
EBITDA TTM = 201.8m USD
Long Term Debt = 53.0m USD (from longTermDebt, last fiscal year)
Short Term Debt = unknown (none)
Debt = 103.6m USD (from shortLongTermDebtTotal, last quarter) + Leases 26.5m
Net Debt = -1.64m USD (calculated: Debt 103.6m - CCE 105.2m)
Enterprise Value = 1.90b USD (1.91b + Debt 103.6m - CCE 105.2m)
Interest Coverage Ratio = 1.68 (Ebit TTM 188.2m / Interest Expense TTM 112.3m)
EV/FCF = 13.79x (Enterprise Value 1.90b / FCF TTM 138.1m)
FCF Yield = 7.25% (FCF TTM 138.1m / Enterprise Value 1.90b)
FCF Margin = 25.30% (FCF TTM 138.1m / Revenue TTM 545.8m)
Net Margin = 24.83% (Net Income TTM 135.5m / Revenue TTM 545.8m)
Gross Margin = 78.20% ((Revenue TTM 545.8m - Cost of Revenue TTM 119.0m) / Revenue TTM)
Gross Margin QoQ = 78.18% (prev 77.81%)
Tobins Q-Ratio = 0.19 (Enterprise Value 1.90b / Total Assets 9.93b)
Interest Expense / Debt = 108.4% (Interest Expense 112.3m / Debt 103.6m)
Taxrate = 26.84% (49.7m / 185.2m)
NOPAT = 137.7m (EBIT 188.2m * (1 - 26.84%))
Current Ratio = 0.02 (Total Current Assets 138.7m / Total Current Liabilities 8.27b)
Debt / Equity = 0.08 (Debt 103.6m / totalStockholderEquity, last quarter 1.34b)
Debt / EBITDA = -0.01 (Net Debt -1.64m / EBITDA 201.8m)
Debt / FCF = -0.01 (Net Debt -1.64m / FCF TTM 138.1m)
Total Stockholder Equity = 1.32b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.36% (Net Income 135.5m / Total Assets 9.93b)
RoE = 10.23% (Net Income TTM 135.5m / Total Stockholder Equity 1.32b)
RoCE = 13.66% (EBIT 188.2m / Capital Employed (Equity 1.32b + L.T.Debt 53.0m))
RoIC = 8.44% (NOPAT 137.7m / Invested Capital 1.63b)
WACC = 8.36% (E(1.91b)/V(2.01b) * Re(8.81%) + (debt cost/tax rate unavailable))
Discount Rate = 8.81% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -95.88 | Cagr: -1.70%
[DCF] Terminal Value 77.95% ; FCFF base≈124.4m ; Y1≈142.6m ; Y5≈209.9m
[DCF] Fair Price = 98.94 (EV 3.16b - Net Debt -1.64m = Equity 3.16b / Shares 31.9m; r=8.36% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 48.87 | EPS CAGR: 4.07% | SUE: 0.78 | # QB: 0
Revenue Correlation: 92.49 | Revenue CAGR: 3.83% | SUE: 0.62 | # QB: 0
EPS current Quarter (2026-09-30): EPS=1.06 | Chg30d=+0.00% | Revisions=+67% | Analysts=6
EPS current Year (2026-12-31): EPS=4.22 | Chg30d=+0.04% | Revisions=+25% | GrowthEPS=+14.1% | GrowthRev=+7.0%
EPS next Year (2027-12-31): EPS=4.34 | Chg30d=-0.11% | Revisions=+25% | GrowthEPS=+2.9% | GrowthRev=+4.1%
[Analyst] Revisions Ratio: +73% (up=8, down=0)