TRICO BANCSHARES(NASDAQ:TCBK) stock Fundamental Analysis

Fundamental Rating

Overall TCBK gets a fundamental rating of 4 out of 10. We evaluated TCBK against 398 industry peers in the Banks industry. While TCBK is still in line with the averages on profitability rating, there are concerns on its financial health. TCBK has a expensive valuation and it also scores bad on growth.

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1. Profitability

1.1 Basic Checks

TCBK had positive earnings in the past year.

TCBK had a positive operating cash flow in the past year.

Each year in the past 5 years TCBK has been profitable.

TCBK had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

TCBK has a better Return On Assets (1.19%) than 77.64% of its industry peers.

TCBK has a Return On Equity of 9.41%. This is in the better half of the industry: TCBK outperforms 61.56% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.19%
ROE	9.41%
ROIC	N/A

ROA(3y)1.21%

ROA(5y)1.17%

ROE(3y)10.51%

ROE(5y)10.06%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

The Profit Margin of TCBK (29.02%) is better than 80.15% of its industry peers.

In the last couple of years the Profit Margin of TCBK has remained more or less at the same level.

The Operating Margin and Gross Margin are not available for TCBK so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	29.02%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-6.16%

PM growth 5Y-0.43%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

TCBK does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, TCBK has less shares outstanding

The number of shares outstanding for TCBK has been increased compared to 5 years ago.

Compared to 1 year ago, TCBK has an improved debt to assets ratio.

2.2 Solvency

TCBK has a debt to FCF ratio of 1.81. This is a very positive value and a sign of high solvency as it would only need 1.81 years to pay back of all of its debts.

Looking at the Debt to FCF ratio, with a value of 1.81, TCBK is in line with its industry, outperforming 56.78% of the companies in the same industry.

A Debt/Equity ratio of 0.16 indicates that TCBK is not too dependend on debt financing.

The Debt to Equity ratio of TCBK (0.16) is comparable to the rest of the industry.

		Industry Rank	Sector Rank
Debt/Equity	0.16
Debt/FCF	1.81
Altman-Z	N/A

ROIC/WACCN/A

WACC12.19%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The earnings per share for TCBK have decreased by -1.70% in the last year.

TCBK shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 2.89% yearly.

Looking at the last year, TCBK shows a decrease in Revenue. The Revenue has decreased by -5.29% in the last year.

The Revenue has been growing slightly by 4.97% on average over the past years.

EPS 1Y (TTM)-1.7%

EPS 3Y-4.16%

EPS 5Y2.89%

EPS Q2Q%12.82%

Revenue 1Y (TTM)-5.29%

Revenue growth 3Y5.7%

Revenue growth 5Y4.97%

Sales Q2Q%-2.57%

3.2 Future

TCBK is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 3.71% yearly.

Based on estimates for the next years, TCBK will show a small growth in Revenue. The Revenue will grow by 4.99% on average per year.

EPS Next Y-1.62%

EPS Next 2Y3.71%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year4.34%

Revenue Next 2Y4.99%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.

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4. Valuation

4.1 Price/Earnings Ratio

TCBK is valuated reasonably with a Price/Earnings ratio of 11.08.

The rest of the industry has a similar Price/Earnings ratio as TCBK.

Compared to an average S&P500 Price/Earnings ratio of 28.92, TCBK is valued rather cheaply.

A Price/Forward Earnings ratio of 11.27 indicates a reasonable valuation of TCBK.

TCBK's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. TCBK is more expensive than 63.32% of the companies in the same industry.

TCBK is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 21.65, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	11.08
Fwd PE	11.27

4.2 Price Multiples

TCBK's Price/Free Cash Flow is on the same level as the industry average.

		Industry Rank	Sector Rank
P/FCF	12
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)3.83

EPS Next 2Y3.71%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.40%, TCBK has a reasonable but not impressive dividend return.

Compared to an average industry Dividend Yield of 3.63, TCBK has a dividend in line with its industry peers.

Compared to an average S&P500 Dividend Yield of 2.51, TCBK pays a bit more dividend than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	3.4%

5.2 History

The dividend of TCBK is nicely growing with an annual growth rate of 9.93%!

TCBK has been paying a dividend for at least 10 years, so it has a reliable track record.

TCBK has not decreased their dividend for at least 10 years, which is a reliable track record.

Dividend Growth(5Y)9.93%

Div Incr Years11

Div Non Decr Years12

5.3 Sustainability

TCBK pays out 38.00% of its income as dividend. This is a sustainable payout ratio.

TCBK's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.

DP38%

EPS Next 2Y3.71%

EPS Next 3YN/A

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TRICO BANCSHARES

NASDAQ:TCBK (4/25/2025, 10:08:40 AM)

38.35

-1.08 (-2.74%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-23 2025-04-23/amc

Earnings (Next)07-23 2025-07-23/amc

Inst Owners66.64%

Inst Owner Change-0.73%

Ins Owners4.65%

Ins Owner Change-0.01%

Market Cap1.26B

Analysts78.33

Price Target49.3 (28.55%)

Short Float %1.06%

Short Ratio2.58

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.4%

Yearly Dividend1.32

Dividend Growth(5Y)9.93%

DP38%

Div Incr Years11

Div Non Decr Years12

Ex-Date03-07 2025-03-07 (0.33)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)7.73%

Min EPS beat(2)6.8%

Max EPS beat(2)8.66%

EPS beat(4)4

Avg EPS beat(4)6.47%

Min EPS beat(4)2.55%

Max EPS beat(4)8.66%

EPS beat(8)5

Avg EPS beat(8)-0.83%

EPS beat(12)6

Avg EPS beat(12)-1.07%

EPS beat(16)8

Avg EPS beat(16)1.56%

Revenue beat(2)0

Avg Revenue beat(2)-4.29%

Min Revenue beat(2)-7.38%

Max Revenue beat(2)-1.2%

Revenue beat(4)0

Avg Revenue beat(4)-3.57%

Min Revenue beat(4)-7.38%

Max Revenue beat(4)-1.2%

Revenue beat(8)0

Avg Revenue beat(8)-5.26%

Revenue beat(12)2

Avg Revenue beat(12)-3.76%

Revenue beat(16)3

Avg Revenue beat(16)-3.19%

PT rev (1m)0%

PT rev (3m)-2.89%

EPS NQ rev (1m)0.64%

EPS NQ rev (3m)1.99%

EPS NY rev (1m)-0.15%

EPS NY rev (3m)0.23%

Revenue NQ rev (1m)0.01%

Revenue NQ rev (3m)0.93%

Revenue NY rev (1m)-0.13%

Revenue NY rev (3m)0.57%

Valuation

		Industry Rank	Sector Rank
PE	11.08
Fwd PE	11.27
P/S	3.19
P/FCF	12
P/OCF	11.5
P/B	1.03
P/tB	1.39
EV/EBITDA	N/A

EPS(TTM)3.46

EY9.02%

EPS(NY)3.4

Fwd EY8.88%

FCF(TTM)3.2

FCFY8.34%

OCF(TTM)3.34

OCFY8.7%

SpS12.04

BVpS37.12

TBVpS27.67

PEG (NY)N/A

PEG (5Y)3.83

Profitability

		Industry Rank	Sector Rank
ROA	1.19%
ROE	9.41%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	29.02%
GM	N/A
FCFM	26.56%

ROA(3y)1.21%

ROA(5y)1.17%

ROE(3y)10.51%

ROE(5y)10.06%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-6.16%

PM growth 5Y-0.43%

GM growth 3YN/A

GM growth 5YN/A

F-Score6

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0.16
Debt/FCF	1.81
Debt/EBITDA	N/A
Cap/Depr	45.04%
Cap/Sales	1.15%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	91.54%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACC12.19%

ROIC/WACCN/A

Cap/Depr(3y)37.82%

Cap/Depr(5y)32.66%

Cap/Sales(3y)1.07%

Cap/Sales(5y)1.01%

Profit Quality(3y)110.91%

Profit Quality(5y)123.03%

High Growth Momentum

Growth

EPS 1Y (TTM)-1.7%

EPS 3Y-4.16%

EPS 5Y2.89%

EPS Q2Q%12.82%

EPS Next Y-1.62%

EPS Next 2Y3.71%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-5.29%

Revenue growth 3Y5.7%

Revenue growth 5Y4.97%

Sales Q2Q%-2.57%

Revenue Next Year4.34%

Revenue Next 2Y4.99%

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-21.53%

FCF growth 3Y-6.59%

FCF growth 5Y1.32%

OCF growth 1Y-21.01%

OCF growth 3Y-6.03%

OCF growth 5Y1.31%

TRICO BANCSHARES (TCBK) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens