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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 Framework: Banks & Lenders Small Cap
TriCo Bancshares (TCBK), is a Small Cap company, in the Banks - Regional industry, last closed at $52.69, about 17.8% overvalued vs fair value, +19.0% 1Y return, ranked 293/1078 in sector.
Metrics P/E 12.8× Rev Growth 5.8% ROE 9.5% Gross Margin 98.3% Div Yield 2.92%
USD 52.69
-0.27%
(Delayed)
• Vol 90d: 26.9%
52-Week Range
Market Cap
$1.68B
Enterprise Value
$1.63B
Overall Score
View breakdown
Overall
Growth
Weak
Profitability
Fair
Health
Fair
Efficiency
Fair
Valuation
Good
Growth
Weak
Profitability
Fair
Health
Fair
Efficiency
Fair
Valuation
Good
Completeness: 100%
Confidence: 95%
Updated: Oct 24
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 Nov 16
Earnings Jan 21 Estimated

Fair Value Snapshot

Bear Base Bull
$24
$43
$81
Current: $52.69 -18% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$469.1M
0.8%%
Interest Expense
$119.7M
Net Interest Income
$349.3M
5.9%%
Total Revenue
$411.3M
5.8%%
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
9.2%
Fair

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$77.1M
63.4% 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
67
/100
Moderate
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key strengths

  • Strong Capital Position Capital position is strong (score 0.90), exceeding regulatory minimums.
  • Strong Net Interest Margin Net interest margin proxy is strong (score 0.77).

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Deposit Franchise

Moderate
69
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Signals, strengths and risks for Deposit Franchise

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Signals, strengths and risks for Lending Advantage

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Signals, strengths and risks for Capital Strength

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Signals, strengths and risks for Cost Discipline

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Signals, strengths and risks for Revenue Diversification

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Signals, strengths and risks for Risk Management

Trade-Off Ledger™

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

Banks (Regional & Diversified) vs Industry Peers 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing TCBK's balance between Growth (19.8%), Profitability (35.9%), and Safety (44.3%). Growth 20% Safety 44% Profitability 36%

Click axes to expand details. Marker shows current allocation.

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Growth

34th percentile vs peers
34
Key Signals
NII Growth YoY 5.9% 33p Equity Growth YoY 8.8% 48p Asset Growth YoY 1.5% 26p EPS Growth YoY 7.0% 33p
Strengths
  • D/E Ratio in top 20% of peers (6.0%, 91th percentile)
  • Debt/Assets in top 20% of peers (0.8%, 91th percentile)
  • Conservative leverage compared to industry peers
Risks
  • Growth below peer median (percentile: 34)

Profitability

62th percentile vs peers
62
Key Signals
Strengths
Risks
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Safety

76th percentile vs peers
77
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for TriCo Bancshares.

Loading valuation model...
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:

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  • 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
$43.32
- - -
-17.8% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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