TCBK - NASDAQ

TriCo Bancshares

TriCo Bancshares

TCBKยทNASDAQ

$49.25

-0.93%
Financial ServicesBanks - Regional

TriCo 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.

StatementsValue Model

At a Glance

Live Snapshot
Market Cap$1.58B
EPS3.7300
P/E Ratio13.20
Earnings Date07/23/2026
TriCo Bancshares

TriCo Bancshares Fair Value Envelope

TCBK ยท NASDAQ

Our analysis suggests that TCBK has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $49.25, this represents a potential HIDDEN relative to our calculated worth for TriCo Bancshares.

HIDDEN
Intrinsic Value
Current Price: $49.25

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$10.1B
+ Cash & Equivalents$157.0M
Firm Value$10.3B
- Debt$80.2M
Equity Value$10.2B
/ Shares Outstanding32,558,999B
DCF Value$312
UNDERVALUED BY 534%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$162.2M
$197.3M
$240.1M
$292.1M
$355.3M
$432.3M
$526.0M
$639.9M
$778.6M
$947.3M
Maintenance CapEx
-$1.3M
-$1.6M
-$1.9M
-$2.3M
-$2.9M
-$3.5M
-$4.2M
-$5.1M
-$6.3M
-$7.6M
Owner Earnings
$160.9M
$195.7M
$238.1M
$289.7M
$352.5M
$428.8M
$521.8M
$634.8M
$772.3M
$939.6M
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$149.0M
$167.8M
$189.0M
$212.9M
$239.9M
$270.2M
$304.4M
$343.0M
$386.4M
$435.2M
Terminal Value represents 73.3% of Enterprise Value

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