TriCo Bancshares (TCBK)
Full history for every metric is available with a Kvantra account
No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 308 | 329 | 403 | 411 | 389 | 414 | 433 | - |
| Operating profit | $m | 169 | 188 | ||||||
| Net profit | $m | 65 | 118 | 125 | 117 | 115 | 122 | 136 | 138 |
| EPS reported | $ | 3.71 | 4.17 | ||||||
| Operating cashflow per share | $ | 4.11 | 4.33 | ||||||
| Capex per share | $ | 0.17 | 0.08 | ||||||
| FCF per share | $ | 3.94 | 4.25 | ||||||
| Free cash flow | $m | 128 | 136 | ||||||
| Net debt | $m | -104 | -53 | ||||||
| Book value equity | $m | 1,328 | 1,344 | ||||||
| Book value per share | $ | 40.70 | 41.85 | ||||||
| Number of shares | m | 32.63 | 32.11 | ||||||
| DPS (TTM paid) | $ | 1.38 | 1.44 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 12.77 | 12.56 | ||||||
| P/B LTM | x | 1.16 | 1.14 | ||||||
| P/S LTM | x | 3.72 | 3.55 | ||||||
| P/FCF LTM | x | 12.01 | 11.32 | ||||||
| EV/EBITDA LTM | x | 7.99 | 7.36 | ||||||
| EV/Sales LTM | x | 2.74 | 3.29 | ||||||
| Earnings Yield LTM | % | +7.83% | +7.96% | ||||||
| FCF Yield | % | +8.32% | +8.83% | ||||||
| Quality | |||||||||
| ROE | % | +9.15% | +10.23% | ||||||
| ROIC | % | +7.99% | +1.39% | ||||||
| Operating margin | % | +31.73% | +34.49% | ||||||
| Gross margin | % | +75.85% | +78.20% | ||||||
| FCF/Sales | % | +23.99% | +24.87% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +6.92% | +20.17% | ||||||
| Sales Growth YoY | % | +6.38% | +11.51% | ||||||
| Net Income Growth YoY | % | +5.82% | +17.97% | ||||||
| FCF Growth | % | +21.67% | +29.09% | ||||||
| Operating Profit Growth | % | +9.10% | +21.34% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +2.93% | +2.54% | ||||||
| Dividend Growth | % | +4.55% | +9.09% | ||||||
| Payout Ratio | % | +37.20% | +25.80% | ||||||
| FCF/Debt | x | 1.59 | 1.76 | ||||||
| Net Debt/EBITDA | x | -0.42 | -0.14 | ||||||
| EBIT/Net interest | x | 1.41 | 1.68 | ||||||
| Net debt/market cap | % | +3.45% | +2.84% | ||||||
| Net debt/Equity | x | -0.08 | -0.04 | ||||||
| Gross debt/equity | x | 0.06 | 0.06 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
TriCo Bancshares functions as the parent company for Tri Counties Bank, delivering a full spectrum of commercial banking services to both individual clients and corporate entities. The institution accommodates various deposit types, including checking, savings, and term accounts. Its lending portfolio is comprehensive, featuring financing for small businesses, a range of real estate mortgages (encompassing residential and commercial properties), personal consumer loans, general commercial credit facilities (with a focus on agricultural lending), and funding for real estate development projects. Beyond deposits and loans, the company offers treasury management solutions, standard banking amenities such as safe deposit boxes, and independent financial and broker-dealer services. Established in 1975 and headquartered in Chico, California, the bank maintains a substantial presence throughout 31 counties in California, operating 61 traditional branches, 7 in-store branches, and 7 specialized loan production offices.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
TriCo Bancshares functions as the parent company for Tri Counties Bank, delivering a full spectrum of commercial banking services to both individual clients and corporate entities. The institution accommodates various deposit types, including checking, savings, and term accounts. Its lending portfolio is comprehensive, featuring financing for small businesses, a range of real estate mortgages (encompassing residential and commercial properties), personal consumer loans, general commercial credit facilities (with a focus on agricultural lending), and funding for real estate development projects. Beyond deposits and loans, the company offers treasury management solutions, standard banking amenities such as safe deposit boxes, and independent financial and broker-dealer services. Established in 1975 and headquartered in Chico, California, the bank maintains a substantial presence throughout 31 counties in California, operating 61 traditional branches, 7 in-store branches, and 7 specialized loan production offices.
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