TRICO BANCSHARES

TCBKNASDAQ

🏆 #1745 by market capEarnings Oct 21US Equity

$57.12▲ $0.22 (+0.39%)

Market closed · at close

1h—

24h▲ 0.4%

7d▼ 1.2%

14d▼ 1.2%

30d▼ 4.9%

1y▲ 33.1%

🏦Market Cap

$1.83B

Small Cap

📈Revenue Growth (YoY)

+31.5%

High Growth

📊Gross Margin

—

💵FCF Margin

21.2%

Strong

⚖️P/S Ratio

2.8x

Cheap

Otter Score

Weak

Trading Snapshot

Day Range: $56.85 – $58.19
52-Week Range: $40.44 – $61.71
Volume: $2.22B
Avg Volume: $2.03B
Shares Outstanding: 32.0M
Next Earnings: Oct 27, 2026

Fundamentals Snapshot

Annual Revenue: $533M
Last Q Revenue: $138M
P/E Ratio: 13.3
P/S Ratio: 2.8x
EPS (TTM): $4.17
Dividend Yield: 2.53%

Why Investors Own TCBK

✓High-growth profile — revenue up +34.0% YoY with expanding US Equity exposure.
✓Healthy economics — 69% gross margin and 6% free-cash-flow margin.
✓New products and segments could unlock additional revenue streams.

⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

Financial Trends

Revenue (TTM)

$533M▲ +30.6% YoY

Gross Margin (TTM)

68.5%▲ +2.5% YoY

Operating Income (TTM)

$62M▲ +30.6% YoY

Free Cash Flow (TTM)

$29M▲ +30.6% YoY

About TRICO BANCSHARES

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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