TRICO BANCSHARES(NASDAQ:TCBK) stock Fundamental Analysis

Fundamental Rating

Overall TCBK gets a fundamental rating of 3 out of 10. We evaluated TCBK against 404 industry peers in the Banks industry. Both the profitability and financial health of TCBK have multiple concerns. TCBK has a expensive valuation and it also scores bad on growth.

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1. Profitability

1.1 Basic Checks

In the past year TCBK was profitable.

In the past year TCBK had a positive cash flow from operations.

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

Of the past 5 years TCBK 4 years had a positive operating cash flow.

1.2 Ratios

The Return On Assets of TCBK (1.14%) is better than 76.13% of its industry peers.

TCBK's Return On Equity of 9.03% is in line compared to the rest of the industry. TCBK outperforms 59.30% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.14%
ROE	9.03%
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

Looking at the Profit Margin, with a value of 28.11%, TCBK is in the better half of the industry, outperforming 78.89% of the companies in the same industry.

TCBK's Profit Margin has been stable in the last couple of years.

TCBK does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	28.11%
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.

The debt/assets ratio for TCBK has been reduced compared to a year ago.

2.2 Solvency

The Debt to FCF ratio of TCBK is 3.13, which is a good value as it means it would take TCBK, 3.13 years of fcf income to pay off all of its debts.

Looking at the Debt to FCF ratio, with a value of 3.13, TCBK is in line with its industry, outperforming 46.73% of the companies in the same industry.

TCBK has a Debt/Equity ratio of 0.30. This is a healthy value indicating a solid balance between debt and equity.

TCBK's Debt to Equity ratio of 0.30 is on the low side compared to the rest of the industry. TCBK is outperformed by 65.83% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.3
Debt/FCF	3.13
Altman-Z	N/A

ROIC/WACCN/A

WACC9.33%

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.

TCBK shows a decrease in Revenue. In the last year, the revenue decreased by -5.29%.

Measured over the past years, TCBK shows a small growth in Revenue. The Revenue has been growing by 4.97% on average per year.

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

The Earnings Per Share is expected to grow by 3.90% on average over the next years.

The Revenue is expected to grow by 5.05% on average over the next years.

EPS Next Y-1.47%

EPS Next 2Y3.9%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year4.47%

Revenue Next 2Y5.05%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.

The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 12.73, the valuation of TCBK can be described as correct.

Compared to the rest of the industry, the Price/Earnings ratio of TCBK is on the same level as its industry peers.

TCBK's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 29.63.

A Price/Forward Earnings ratio of 12.92 indicates a correct valuation of TCBK.

Compared to the rest of the industry, the Price/Forward Earnings ratio of TCBK indicates a slightly more expensive valuation: TCBK is more expensive than 60.30% of the companies listed in the same industry.

Compared to an average S&P500 Price/Forward Earnings ratio of 22.68, TCBK is valued a bit cheaper.

		Industry Rank	Sector Rank
PE	12.73
Fwd PE	12.92

4.2 Price Multiples

The rest of the industry has a similar Price/Free Cash Flow ratio as TCBK.

		Industry Rank	Sector Rank
P/FCF	12.34
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)4.4

EPS Next 2Y3.9%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

TCBK has a Yearly Dividend Yield of 2.98%.

Compared to an average industry Dividend Yield of 3.15, TCBK has a dividend in line with its industry peers.

TCBK's Dividend Yield is a higher than the S&P500 average which is at 2.29.

		Industry Rank	Sector Rank
Dividend Yield	2.98%

5.2 History

On average, the dividend of TCBK grows each year by 11.23%, which is quite nice.

TCBK has paid a dividend for at least 10 years, which is a reliable track record.

TCBK has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.

Dividend Growth(5Y)11.23%

Div Incr Years11

Div Non Decr Years12

5.3 Sustainability

TCBK pays out 38.22% 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.

DP38.22%

EPS Next 2Y3.9%

EPS Next 3YN/A

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TRICO BANCSHARES

NASDAQ:TCBK (2/21/2025, 8:00:01 PM)

After market: 44.05 0 (0%)

44.05

-0.5 (-1.12%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)01-23 2025-01-23/bmo

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

Inst Owners64.27%

Inst Owner Change3.87%

Ins Owners4.64%

Ins Owner Change0.08%

Market Cap1.45B

Analysts78.33

Price Target51.34 (16.55%)

Short Float %1.37%

Short Ratio3.78

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.98%

Yearly Dividend1.2

Dividend Growth(5Y)11.23%

DP38.22%

Div Incr Years11

Div Non Decr Years12

Ex-DateN/A

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)7.34%

Min EPS beat(2)6.8%

Max EPS beat(2)7.88%

EPS beat(4)3

Avg EPS beat(4)2.23%

Min EPS beat(4)-8.29%

Max EPS beat(4)7.88%

EPS beat(8)4

Avg EPS beat(8)-2.94%

EPS beat(12)6

Avg EPS beat(12)-1.64%

EPS beat(16)8

Avg EPS beat(16)1.75%

Revenue beat(2)0

Avg Revenue beat(2)-1.71%

Min Revenue beat(2)-2.22%

Max Revenue beat(2)-1.2%

Revenue beat(4)0

Avg Revenue beat(4)-3.69%

Min Revenue beat(4)-7.87%

Max Revenue beat(4)-1.2%

Revenue beat(8)0

Avg Revenue beat(8)-4.34%

Revenue beat(12)3

Avg Revenue beat(12)-3.1%

Revenue beat(16)4

Avg Revenue beat(16)-2.59%

PT rev (1m)-2.89%

PT rev (3m)0.33%

EPS NQ rev (1m)0.1%

EPS NQ rev (3m)0.32%

EPS NY rev (1m)0.38%

EPS NY rev (3m)0.54%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0%

Revenue NY rev (1m)0.7%

Revenue NY rev (3m)0.77%

Valuation

		Industry Rank	Sector Rank
PE	12.73
Fwd PE	12.92
P/S	3.65
P/FCF	12.34
P/OCF	11.91
P/B	1.17
P/tB	1.57
EV/EBITDA	N/A

EPS(TTM)3.46

EY7.85%

EPS(NY)3.41

Fwd EY7.74%

FCF(TTM)3.57

FCFY8.11%

OCF(TTM)3.7

OCFY8.4%

SpS12.08

BVpS37.58

TBVpS28.12

PEG (NY)N/A

PEG (5Y)4.4

Profitability

		Industry Rank	Sector Rank
ROA	1.14%
ROE	9.03%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	28.11%
GM	N/A
FCFM	29.57%

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-Score5

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0.3
Debt/FCF	3.13
Debt/EBITDA	N/A
Cap/Depr	40.59%
Cap/Sales	1.06%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	105.19%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score5

WACC9.33%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)N/A

Cap/Sales(5y)N/A

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)-1.7%

EPS 3Y-4.16%

EPS 5Y2.89%

EPS Q2Q%12.82%

EPS Next Y-1.47%

EPS Next 2Y3.9%

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 Year4.47%

Revenue Next 2Y5.05%

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-23.01%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-22.47%

OCF growth 3YN/A

OCF growth 5YN/A

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