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TriCo Bancshares TCBK
Financial Services - Banks - Regional - NASDAQ - US
Watchlist
$ 42.96
1.27 %
$ 1.41 B
Market Cap
12.52
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Jul, 6, 2025.

The intrinsic value of one TCBK stock under the worst case scenario is HIDDEN Compared to the current market price of 43 USD, TriCo Bancshares is HIDDEN

TCBK Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Jul, 6, 2025.

The intrinsic value of one TCBK stock under the base case scenario is HIDDEN Compared to the current market price of 43 USD, TriCo Bancshares is HIDDEN

TCBK Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Jul, 6, 2025.

The intrinsic value of one TCBK stock under the best case scenario is HIDDEN Compared to the current market price of 43 USD, TriCo Bancshares is HIDDEN

TCBK Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart TCBK

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1M 12%
6M 5%
1Y --%
3Y 1%
5Y 71%
All
$45.0$45.0$44.0$44.0$43.0$43.0$42.0$42.0$41.0$41.0$40.0$40.0$39.0$39.0$38.0$38.0$37.0$37.0$36.0$36.0$35.0$35.015 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 AprMay '25May '2515 May15 MayJun '25Jun '2515 Jun15 JunJul '25Jul '25
FINANCIALS
524 M REVENUE
6.32%
Growth Rates
1Year 6.32%
3Years 16.23%
5Years 10.31%
7Years 12.71%
10Years 13.13%
155 M OPERATING INCOME
-3.61%
Growth Rates
1Year -3.61%
3Years -1.78%
5Years 4.11%
7Years 10.42%
10Years 13.27%
115 M NET INCOME
-2.15%
Growth Rates
1Year -2.15%
3Years -0.80%
5Years 4.52%
7Years 16.04%
10Years 15.97%
110 M OPERATING CASH FLOW
-21.01%
Growth Rates
1Year -21.01%
3Years -6.03%
5Years 1.31%
7Years 10.26%
10Years 14.87%
285 M INVESTING CASH FLOW
897.65%
Growth Rates
1Year 897.65%
3Years 32.43%
5Years 63.17%
7Years 15.83%
10Years 13.65%
-348 M FINANCING CASH FLOW
-98.00%
Growth Rates
1Year -98.00%
3Years -12.13%
5Years -70.70%
7Years -15.40%
10Years -12.08%
128 M REVENUE
-2.35%
Growth Rates
1Year 6.32%
3Years 16.23%
5Years 10.31%
7Years 12.71%
10Years 13.13%
35.4 M OPERATING INCOME
-9.02%
Growth Rates
1Year -3.61%
3Years -1.78%
5Years 4.11%
7Years 10.42%
10Years 13.27%
26.4 M NET INCOME
-9.20%
Growth Rates
1Year -2.15%
3Years -0.80%
5Years 4.52%
7Years 16.04%
10Years 15.97%
24.5 M OPERATING CASH FLOW
1.13%
Growth Rates
1Year -21.01%
3Years -6.03%
5Years 1.31%
7Years 10.26%
10Years 14.87%
33.9 M INVESTING CASH FLOW
156.57%
Growth Rates
1Year 897.65%
3Years 32.43%
5Years 63.17%
7Years 15.83%
10Years 13.65%
105 M FINANCING CASH FLOW
175.20%
Growth Rates
1Year -98.00%
3Years -12.13%
5Years -70.70%
7Years -15.40%
10Years -12.08%
Balance Sheet TriCo Bancshares
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Current Assets 194 M
Cash & Short-Term Investments 153 M
Receivables 41.6 M
Other Current Assets 0
Non-Current Assets 9.48 B
Long-Term Investments 8.65 B
PP&E 93.8 M
Other Non-Current Assets 737 M
89.40 %7.62 %Total Assets$9.7b
Current Liabilities 8.1 B
Accounts Payable 11.5 M
Short-Term Debt 0
Other Current Liabilities 8.09 B
Non-Current Liabilities 354 M
Long-Term Debt 216 M
Other Non-Current Liabilities 138 M
95.68 %Total Liabilities$8.5b
EFFICIENCY
Earnings Waterfall TriCo Bancshares
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Revenue 524 M
Cost Of Revenue 142 M
Gross Profit 382 M
Operating Expenses 227 M
Operating Income 155 M
Other Expenses 40.3 M
Net Income 115 M
600m600m500m500m400m400m300m300m200m200m100m100m00524m(142m)382m(227m)155m(40m)115mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
72.93% GROSS MARGIN
72.93%
Averages
1Year 72.93%
3Years 81.56%
5Years 85.64%
7Years 88.38%
10Years 91.34%
29.61% OPERATING MARGIN
29.61%
Averages
1Year 29.61%
3Years 34.82%
5Years 36.21%
7Years 36.41%
10Years 35.89%
21.92% NET MARGIN
21.92%
Averages
1Year 21.92%
3Years 25.39%
5Years 26.37%
7Years 26.52%
10Years 24.62%
9.41% ROE
9.41%
Averages
1Year 9.41%
3Years 10.51%
5Years 10.06%
7Years 9.81%
10Years 9.58%
1.19% ROA
1.19%
Averages
1Year 1.19%
3Years 1.21%
5Years 1.17%
7Years 1.19%
10Years 1.12%
7.30% ROIC
7.30%
Averages
1Year 7.30%
3Years 6.94%
5Years 7.20%
7Years 7.33%
10Years 7.16%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis TriCo Bancshares
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160m160m140m140m120m120m100m100m80m80m60m60m40m40m20m20m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 115 M
Depreciation & Amortization 16.1 M
Capital Expenditures -4.56 M
Stock-Based Compensation 4.67 M
Change in Working Capital -23.3 M
Others -30.3 M
Free Cash Flow 105 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets TriCo Bancshares
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Wall Street analysts predict an average 1-year price target for TCBK of $52 , with forecasts ranging from a low of $50 to a high of $55 .
TCBK Lowest Price Target Wall Street Target
50 USD 16.39%
TCBK Average Price Target Wall Street Target
52 USD 21.04%
TCBK Highest Price Target Wall Street Target
55 USD 28.03%
Price
Max Price Target
Min Price Target
Average Price Target
565654545252505048484646444442424040383836363434Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26Jun '26Jun '26Jul '26Jul '26
4. DIVIDEND ANALYSIS
0.83% DIVIDEND YIELD
0.33 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
1.401.401.201.201.001.000.800.800.600.600.400.400.200.200.000.000.110.150.150.170.190.220.250.250.30.330.330.130.150.170.170.190.220.250.250.30.330.330.130.150.170.170.220.220.250.30.30.330.150.520.150.600.170.660.190.700.220.820.220.880.251.000.31.100.31.200.331.320.662015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 12
6. Ownership
Insider Ownership TriCo Bancshares
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
252 K USD 1
9-12 MONTHS
234 K USD 2
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
Tri Counties Bank Announces Business and Commercial Banking Expansion CHICO, Calif.--(BUSINESS WIRE)---- $TCBK #AgribusinessBanking--Tri Counties Bank has restructured its business and commercial management teams to provide more specialized expertise and superior service for California businesses. This move strengthens Tri Counties Bank's ability to better serve businesses of all sizes with streamlined access to specialized lending, helping businesses scale faster, navigate market fluctuations, and seize growth opportunities. The restructuring ensures businesses receive tailored financial solu. businesswire.com - 1 month ago
TriCo Bancshares Announces Quarterly Cash Dividend CHICO, Calif.--(BUSINESS WIRE)---- $TCBK #CommunityBank--The Board of Directors of TriCo Bancshares (NASDAQ: TCBK) (the “Company”), parent company of Tri Counties Bank, declared a quarterly cash dividend of $0.33 (thirty-three cents) per share on its common stock, no par value on May 22, 2025. The dividend is payable on June 20, 2025, to holders of record on June 6, 2025. Established in 1975, Tri Counties Bank is a wholly-owned subsidiary of TriCo Bancshares (NASDAQ: TCBK) headquartered in Chico, California, with asset. businesswire.com - 1 month ago
TriCo (TCBK) Q1 Earnings Top Estimates TriCo (TCBK) came out with quarterly earnings of $0.80 per share, beating the Zacks Consensus Estimate of $0.78 per share. This compares to earnings of $0.83 per share a year ago. zacks.com - 2 months ago
Tri Counties Bank Awards $260,000 in Economic Development Grants to Assist with Business Entrepreneurship and Housing Stabilization CHICO, Calif.--(BUSINESS WIRE)---- $TCBK #CommunitySupport--Tri Counties Bank, in collaboration with the Federal Home Loan Bank of San Francisco (FHLBank San Francisco) and its Access to Housing and Economic Assistance for Development (AHEAD) Program, announced grant awards totaling $260,000 to Alchemist Community Development Corporation (Alchemist CDC) in Sacramento, Jefferson Economic Development Institute (JEDI) in Mount Shasta, and the Kashia Band of Pomo Indians of the Stewarts Point Rancheria in Santa Rosa. “Tri Cou. businesswire.com - 4 months ago
TriCo (TCBK) Tops Q4 Earnings and Revenue Estimates TriCo (TCBK) came out with quarterly earnings of $0.88 per share, beating the Zacks Consensus Estimate of $0.82 per share. This compares to earnings of $0.78 per share a year ago. zacks.com - 5 months ago
TriCo Bancshares Reports Fourth Quarter 2024 Net Income of $29.0 Million, Diluted EPS of $0.88 CHICO, Calif.--(BUSINESS WIRE)---- $TCBK #CommunityBank--TriCo Bancshares (NASDAQ: TCBK): Executive Commentary: “With the close of 2024 representing nearly 50 years of strong and steady value delivery to our stakeholders, we remain focused on our path forward. The next several years may bring a number of changes to the financial services industry and to Tri Counties Bank; however, we believe that these changes will likely create significant opportunity for us to further differentiate and elevate our performance," said. businesswire.com - 5 months ago
TriCo Bancshares Announces Quarterly Cash Dividend CHICO, Calif.--(BUSINESS WIRE)---- $TCBK #CommunityBank--The Board of Directors of TriCo Bancshares (NASDAQ: TCBK) (the “Company”), parent company of Tri Counties Bank, declared a quarterly cash dividend of $0.33 (thirty-three cents) per share on its common stock, no par value on November 21, 2024. The dividend is payable on December 20, 2024, to holders of record on December 6, 2024. Established in 1975, Tri Counties Bank is a wholly-owned subsidiary of TriCo Bancshares (NASDAQ: TCBK) headquartered in Chico, Californi. businesswire.com - 7 months ago
Tri Counties Bank and FHLBank San Francisco Donate $200,000 to Black Homeownership CHICO, Calif.--(BUSINESS WIRE)---- $TCBK #BlackHomeownership--Tri Counties Bank announced today, in conjunction with the Federal Home Loan Bank of San Francisco (FHLBank San Francisco), a combined $200,000 donation to promote Black homeownership as part of the FHLBank San Francisco's Empowering Black Homeownership matching grant program. FHLBank San Francisco launched the matching grant program in 2022 to advance racial equity in homeownership and narrow the Black homeownership and wealth gaps. As a member financial institu. businesswire.com - 8 months ago
TriCo (TCBK) Q3 Earnings and Revenues Beat Estimates TriCo (TCBK) came out with quarterly earnings of $0.88 per share, beating the Zacks Consensus Estimate of $0.82 per share. This compares to earnings of $0.92 per share a year ago. zacks.com - 8 months ago
All You Need to Know About TriCo (TCBK) Rating Upgrade to Buy TriCo (TCBK) might move higher on growing optimism about its earnings prospects, which is reflected by its upgrade to a Zacks Rank #2 (Buy). zacks.com - 9 months ago
Tri Counties Bank and FHLBank San Francisco Award Over $2.2 Million in Grants Towards Affordable Housing CHICO, Calif.--(BUSINESS WIRE)---- $TCBK #AffordableHousing--Tri Counties Bank, in collaboration with FHLBank San Francisco, announces the award of affordable housing grants totaling more than $2.2 million. businesswire.com - 11 months ago
TriCo (TCBK) Q2 Earnings Surpass Estimates TriCo (TCBK) came out with quarterly earnings of $0.87 per share, beating the Zacks Consensus Estimate of $0.80 per share. This compares to earnings of $0.75 per share a year ago. zacks.com - 11 months ago
8. Profile Summary

TriCo Bancshares TCBK

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 1.41 B
Dividend Yield 0.83%
Description 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.
Contact 63 Constitution Drive, Chico, CA, 95973 https://www.tcbk.com
IPO Date April 20, 1993
Employees 1194
Officers Angela Rudd Senior Vice President & Chief Risk Officer Mr. Michael W. Koehnen Independent Vice Chairman of the Board & Corporate Secretary Mr. John S. Fleshood Executive Vice President & Chief Operating Officer Mr. Daniel K. Bailey Executive Vice President & Chief Banking Officer Mr. Jason Cove Shareholder Relations Ms. Judi A. Giem Senior Vice President & Chief Human Resources Officer Mr. Richard P. Smith Chairman, President & Chief Executive Officer Mr. Peter G. Wiese CPA, CPA Executive Vice President & Chief Financial Officer Mr. Craig B. Carney Executive Vice President & Chief Credit Officer of Tri Counties Bank Dr. Gregory A. Gehlmann Senior Vice President & General Counsel