TCBK - NASDAQ
TriCo Bancshares
$49.25
-0.93%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.
At a Glance
Live SnapshotTriCo Bancshares Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.
Working Capital Impact
Minimal working capital impact on FCF. Changes in operating assets and liabilities well-managed.
Cash Flow Quality Insight
Exceptional cash generation: High-quality earnings converting to growing free cash flow. The company demonstrates strong pricing power, efficient operations, and disciplined capital allocation.
TriCo Bancshares Cash Flow Statement
TCBK • NASDAQ
| TriCo Bancshares Cash Flow Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | Dec 2008 | Dec 2007 | Dec 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | ||||||||||||||||||||
121.6M | 114.9M | 117.4M | 125.4M | 117.7M | 64.8M | 92.1M | 68.3M | 40.6M | 44.8M | 43.8M | 26.1M | 27.4M | 19M | 18.6M | 6M | 10M | 16.8M | 25.7M | 26.8M | |
0.0 | 16.1M | 18.8M | 18.4M | 17.3M | 17.6M | 17.2M | 10.5M | 8.2M | 7.9M | 7.1M | 6.2M | 4.8M | 4.5M | 3.5M | 3.8M | 3.8M | 4M | 4.9M | 6M | |
0.0 | -646K | -2.4M | -8M | -936K | -14.2M | 1.7M | 2.6M | 12.5M | 3M | 749K | -1.2M | 2.2M | -427K | -2M | -5.3M | -3.5M | -5.7M | -506K | -1.7M | |
0.0 | 4.7M | 4.1M | 3.9M | 2.6M | 2M | 1.7M | 1.5M | 1.6M | 1.5M | 1.4M | 1.1M | 1.2M | 1.1M | 830K | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
23.7M | -1.9M | 17.2M | 15.6M | -7.1M | 37.1M | -9.6M | 2.6M | -2.6M | -3.6M | -587K | -7.6M | 5.6M | 17.4M | 10.3M | 37.5M | 29.5M | 21.6M | 2.7M | -792K | |
(27.7M) | (33.7M) | (45.3M) | (41M) | (46.3M) | (29.5M) | (35.1M) | (14.5M) | (21.2M) | (27.6M) | (24.3M) | (22.7M) | (17.4M) | (11M) | (16.6M) | (2.8M) | (10.3M) | (0.0) | (0.0) | (0.0) | |
-11.9M | -23.3M | -16.3M | 7.6M | 2.7M | 7.4M | -228K | 5.6M | -4.8M | -5.3M | 2.4M | 2.8M | -27K | 10.5M | 409K | 9.1M | -13.7M | 148K | -620K | 2.5M | |
133.3M | 109.7M | 138.9M | 162.9M | 132.2M | 114.8M | 102.8M | 91.1M | 55.4M | 48.2M | 54.8M | 27.4M | 41.1M | 52.1M | 31.7M | 51.2M | 25.9M | 36.8M | 32.1M | 32.9M | |
INVESTING ACTIVITIES | ||||||||||||||||||||
(0.0) | -4.6M | -4.9M | -3.6M | -3.2M | -2.8M | -4.3M | -7.4M | -15.2M | -10.9M | -5.5M | -4.7M | -8.3M | -10.8M | -3.4M | -3.2M | -2.6M | -1.1M | -1.7M | -3.8M | |
(0.0) | (0.0) | (0.0) | (426.9M) | (0.0) | (0.0) | (0.0) | (30.6M) | (0.0) | (156.3M) | (0.0) | (141.4M) | (0.0) | (0.0) | (80.7M) | (18.8M) | (0.0) | (0.0) | (0.0) | (0.0) | |
(0.0) | -187.8M | -34.5M | -699M | -1.2B | -617.6M | -37.3M | -436.7M | -265.8M | -247.7M | -487.4M | -280.7M | -245M | -13.8M | -25.5M | -156.3M | -29.4M | -80.5M | -79.3M | -896K | |
0.0 | 454.3M | 420M | 306.2M | 455.6M | 257.6M | 293.4M | 435.2M | 176.1M | 193.4M | 127.3M | 72.3M | 57.9M | 76.8M | 84.5M | 93.3M | 85.8M | 50.4M | 49.3M | 62.8M | |
-82.6M | 23M | -352.1M | -753.7M | -145.5M | -453.6M | -281.6M | -163.8M | -252.5M | -230.4M | -238.8M | -107.1M | -107.5M | -22.9M | 17.4M | 107.9M | 64.5M | -50.6M | -44.9M | -126.2M | |
-82.6M | (285M) | (28.6M) | -723.2M | -883.8M | -816.3M | -29.8M | -142M | -357.4M | -139.4M | -604.3M | -178.7M | -302.9M | (29.2M) | (153.4M) | (60.5M) | (118.2M) | -81.7M | -76.6M | -68M | |
FINANCING ACTIVITIES | ||||||||||||||||||||
-32M | -15.5M | -9.2M | -27.1M | -4.3M | -26.7M | -2.2M | -2.5M | -1.6M | -1.9M | -412K | -292K | -501K | 206K | -753K | -338K | 0.0 | -2.8M | -3.5M | 537K | |
-137.9M | -543M | 368M | 214.5M | 23.2M | 8.5M | 2.6M | -271.3M | 104.7M | 5.2M | 3.1M | 2.9M | -2.9M | -63.3M | -11.5M | -9.7M | -35.3M | -14.1M | 94.2M | -50.3M | |
-45M | -43.6M | -39.9M | -35.8M | -29.7M | -26.3M | -25M | -18.8M | -15.1M | -13.7M | -11.8M | -7.8M | -6.7M | -5.8M | -5.7M | -6.3M | -8.2M | -8.2M | -8.3M | -7.6M | |
-32M | -15.5M | -9.2M | -27.1M | -4.3M | -26.7M | -2.2M | -2.5M | -1.6M | -1.9M | -412K | -292K | -501K | (0.0) | -753K | -338K | (0.0) | -2.8M | -4.2M | (0.0) | |
176.3M | 253.7M | -494.8M | -252.4M | 861.4M | 1.1B | 537K | 365.6M | 114M | 103.7M | 251.4M | 168.8M | 121.4M | 99.2M | 99.2M | -70.7M | 159.5M | 67.6M | -52.2M | 102.4M | |
-38.6M | -348.5M | -176M | -100.9M | 850.5M | 1.1B | -24M | 73M | 201.9M | 93.3M | 242.2M | 163.7M | 111.3M | 30.3M | 81.2M | -87.2M | 116M | 42.5M | 30.3M | 45M | |
CASH FLOW SUMMARY | ||||||||||||||||||||
12.1M | 46.3M | -8.5M | -661.2M | 98.9M | 393M | 49M | 22.1M | -100.2M | 2.2M | -307.3M | 12.4M | -150.5M | 111.6M | 266.2M | 24.5M | 260.2M | -2.4M | -14.2M | 10.1M | |
145M | 98.7M | 107.2M | 768.4M | 669.6M | 276.5M | 227.5M | 205.4M | 305.6M | 303.5M | 610.7M | 598.4M | 748.9M | 637.3M | 371.1M | 346.6M | 86.4M | 88.8M | 103M | 92.9M | |
157M | 145M | 98.7M | 107.2M | 768.4M | 669.6M | 276.5M | 227.5M | 205.4M | 305.6M | 303.5M | 610.7M | 598.4M | 748.9M | 637.3M | 371.1M | 346.6M | 86.4M | 88.8M | 103M | |
127.9M | 105.2M | 134M | 159.3M | 129M | 112M | 98.5M | 83.6M | 40.2M | 37.3M | 49.3M | 22.8M | 32.8M | 41.3M | 28.3M | 48M | 23.3M | 35.7M | 30.4M | 29.3M |
SEC Filings
TCBK - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
8-K 8-K 2026 N/A | May 28, 2026 | May 21, 2026 | 2026 | |
8-K 8-K 2026 N/A | May 26, 2026 | May 21, 2026 | 2026 | |
10-Q 10-Q 2026 Q1 Q1 | May 08, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 23, 2026 | April 23, 2026 | 2026 | |
DEF 14A DEF 14A 2026 N/A | April 17, 2026 | April 17, 2026 | 2026 | |
10-K 10-K 2025 FY FY | March 02, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | February 23, 2026 | February 19, 2026 | 2026 | |
8-K 8-K 2026 N/A | January 22, 2026 | January 22, 2026 | 2026 | |
8-K 8-K 2025 N/A | December 05, 2025 | December 02, 2025 | 2025 | |
8-K 8-K 2025 N/A | November 25, 2025 | November 20, 2025 | 2025 |
Related Guides
Continue your TCBK research with focused valuation guides.
Research Paths
Snapshot
Start with context, operating signals, and key market metrics.
Value Model
Stress test fair value across bear, base, and bull assumptions.
Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
Read management commentary and compare it with reported outcomes.
Dividends
Check payout sustainability and long-term distribution behavior.
Analyst Expectations
Review consensus spread and where estimate risk is concentrated.