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Company Analysis

TriCo Bancshares TCBK

A comprehensive view of key metrics, scores, and financial health for TriCo Bancshares

Overview of TriCo Bancshares

TCBK NMS
Financial Services Banks - Regional Small Cap
TriCo Bancshares (TCBK), is a Small Cap company, in the Banks - Regional industry, last closed at $47.33, about 12.6% overvalued vs fair value, +15.8% 1Y return, placing in the top 25% of its sector.
$47.33
-0.13%
As of March 13, 2026
Previous close • Vol 90d: 23.7%
52-Week Range
Market Cap
$1.52B
Enterprise Value
$1.47B
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.tcbk.com
HQ Chico, CA
Employees 1,135
Fiscal year Dec 31

Next Events

Dividend Mar 20
Earnings Apr 23 Estimated

Fair Value Snapshot

Bear Base Bull
$23
$41
$78
Current: $47.33 -13% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$465.1M
6.4%%
Interest Expense
$119.7M
Net Interest Income
$329.9M
-7.2%%
Total Revenue
$533.3M
37.2%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
9.4%
Fair

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$59.2M
51.5% of Net Income

Where It Leaks

Cash Flow Health some concerns
Moderate efficiency issues detected. Review active leaks below for improvement areas.
1
Active Leaks
0/1
Improving
1
High Impact
0
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating TriCo Bancshares's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
74
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
71
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing TCBK's balance between Growth (17.6%), Profitability (42.8%), and Safety (39.6%). Growth 18% Safety 40% Profitability 43%

Click axes to expand details. Marker shows current allocation.

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Growth

28th percentile vs peers
29
Key Signals
Rev Growth YoY 37.2% 32p Asset Growth YoY 1.5% 30p Revenue CAGR 3Y 9.8% 22p
Strengths
  • Operating Margin in top 20% of peers (31.7%, 80th percentile)
Risks
  • Growth below peer median (percentile: 28)

Profitability

69th percentile vs peers
69
Key Signals
Strengths
Risks
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Safety

64th percentile vs peers
64
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for TriCo Bancshares.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$41.38
- - -
-12.6% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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