GS
The Goldman Sachs Group, Inc.
GS has the edge over TCBK overall on the model score.
TCBK
TriCo Bancshares
TCBK offers stronger modeled upside, but that advantage does not outweigh its weaker overall profile.
GS Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| N/A | |
| N/A |
GS's revenue and profitability are currently strong. Free cash flow and net leverage aren't meaningful measures for financial services companies like GS.
TCBK Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
TCBK's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like TCBK.
GS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.6x | $528 | -42% |
| Current | 13x | $914 | — |
| Forward | 13x | $914 | — |
| Fair | 14x | $940 | +2.9% |
| Expensive | 17x | $1,214 | +33% |
Historical ranges are pointers, not guarantees.
GS's PE is 13x, but its earnings don't support one, so it isn't a reliable read right now.
TCBK PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 10x | $43.55 | -16% |
| Fair | 12x | $53.64 | +4% |
| Current | 12x | $51.58 | — |
| Forward | 12x | $51.58 | — |
| Expensive | 14x | $60.04 | +16% |
Historical ranges are pointers, not guarantees.
TCBK has the edge over GS in the historical PE scenario, which offers more potential upside but is not a forecast.
GS Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Low |
Analysts expect earnings and revenue growth for GS, with profitability improving. However, they disagree widely on these estimates.
TCBK Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for TCBK, with profitability improving.
GS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $72.35 | +4% |
| Q3 2026 | $69.58 | +41% |
| Q2 2026 | $64.82 | +43% |
| Q1 2026 | $54.75 | +27% |
| Q4 2025 | $51.32 | +27% |
| Q3 2025 | $49.22 | +44% |
| Q2 2025 | $45.37 | +45% |
| Q1 2025 | $43.08 | +68% |
| Q4 2024 | $40.54 | +77% |
GS has the edge over TCBK on earnings, with more consistent year-over-year improvement.
TCBK Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $4.44 | +3.2% |
| Q3 2026 | $4.30 | +21% |
| Q2 2026 | $4.16 | +22% |
| Q1 2026 | $3.94 | +15% |
| Q4 2025 | $3.70 | +6.9% |
| Q3 2025 | $3.56 | +6% |
| Q2 2025 | $3.40 | 0% |
| Q1 2025 | $3.43 | +4.6% |
| Q4 2024 | $3.46 | -1.7% |
TCBK earned $4.30 per share over the past year, up 21% from the year before.
GS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $18.7B | +23% |
| Q2 2026 | $20.3B | +39% |
| Q1 2026 | $17.2B | +14% |
| Q4 2025 | $13.5B | -3% |
| Q3 2025 | $15.2B | +20% |
| Q2 2025 | $14.6B | +15% |
| Q1 2025 | $15.1B | +6% |
| Q4 2024 | $13.9B | +23% |
GS has the edge over TCBK on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 37% | +2 points |
| Q2 2026 | 42% | +8.1 points |
| Q1 2026 | 38% | +0.2 points |
| Q4 2025 | 44% | +5.6 points |
| Q3 2025 | 36% | +4.1 points |
| Q2 2025 | 34% | +3.2 points |
| Q1 2025 | 37% | +0.6 points |
| Q4 2024 | 38% | +18 points |
GS's operating margin was 37% last quarter, up 2 points from the same quarter a year ago.
TCBK Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $116.7M | +8.5% |
| Q2 2026 | $111.9M | +8% |
| Q1 2026 | $108.3M | +9.8% |
| Q4 2025 | $109.4M | +9% |
| Q3 2025 | $107.6M | +8.5% |
| Q2 2025 | $103.6M | +5.9% |
| Q1 2025 | $98.6M | +0.1% |
| Q4 2024 | $100.4M | -2.2% |
TCBK's revenue has grown year over year for seven quarters in a row: $117M last quarter, up 8.5% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 45% | +1.4 points |
| Q2 2026 | 41% | +4.9 points |
| Q1 2026 | 42% | +6.6 points |
| Q4 2025 | 43% | +3.8 points |
| Q3 2025 | 43% | +3.5 points |
| Q2 2025 | 37% | -3.5 points |
| Q1 2025 | 36% | -2.5 points |
| Q4 2024 | 39% | +3.3 points |
TCBK has the edge over GS on profitability, with a higher operating margin.
GS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $3.7B | +72% |
| Q2 2026 | $5.6B | +7.8% |
| Q1 2026 | -$32.4B | +$5.3B |
| Q4 2025 | -$16.8B | -136% |
| Q3 2025 | $2.1B | +$40.6B |
| Q2 2025 | $5.2B | -6.8% |
| Q1 2025 | -$37.7B | -$9.2B |
| Q4 2024 | $46.2B | +$75.1B |
GS's free cash flow was −$40B over the past year, against $15.8B the year before. Free cash flow isn't a meaningful measure for financial services companies like GS.
TCBK Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $39.1M | -9.5% |
| Q2 2026 | $23.2M | -18% |
| Q1 2026 | $33M | +45% |
| Q4 2025 | $33.7M | +47% |
| Q3 2025 | $43.2M | +58% |
| Q2 2025 | $28.2M | -8.5% |
| Q1 2025 | $22.8M | -5.1% |
| Q4 2024 | $22.9M | -35% |
TCBK has the edge over GS on cash generation, producing positive trailing cash flow while its opponent burns cash.
GS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.2% | -3.8M shares |
| 1 year | -4.4% | -13.9M shares |
| 3 years | -12% | -42.8M shares |
| 5 years | -15% | -52.8M shares |
| Available history | -20% | -74.4M shares |
GS has the edge over TCBK on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $3B |
| Q2 2026 | $4B |
| Q1 2026 | $5B |
| Q4 2025 | $3B |
| Q3 2025 | $2B |
| Q2 2025 | $3B |
| Q1 2025 | $4.4B |
| Q4 2024 | $2B |
GS spent $15B buying back its own shares over the past year, up 32% from the year before.
TCBK Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | +11K shares |
| 1 year | -1.8% | -605K shares |
| 3 years | -3.6% | -1.2M shares |
| 5 years | +7.6% | +2.3M shares |
| Available history | +4.8% | +1.5M shares |
TCBK has 32M diluted shares, down 1.8% from a year ago, with $34M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | $1.8M |
| Q1 2026 | $22.4M |
| Q4 2025 | $9.7M |
| Q3 2025 | $2.5M |
| Q2 2025 | $15.7M |
| Q1 2025 | $4.1M |
| Q4 2024 | $1.9M |
TCBK spent $34M buying back its own shares over the past year, up 40% from the year before.
GS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -5.4x | Net Cash |
| Q2 2026 | -6.1x | Net Cash |
| Q1 2026 | -6.7x | Net Cash |
| Q4 2025 | -6.4x | Net Cash |
| Q3 2025 | -3.5x | Net Cash |
| Q2 2025 | -3.1x | Net Cash |
| Q1 2025 | -3.9x | Net Cash |
| Q4 2024 | -4.7x | Net Cash |
GS has the edge over TCBK on leverage, with a lower net debt burden relative to earnings.
TCBK Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -1.0x | Net Cash |
| Q2 2026 | -0.5x | Net Cash |
| Q1 2026 | -1.6x | Net Cash |
| Q4 2025 | -0.8x | Net Cash |
| Q3 2025 | -1.7x | Net Cash |
| Q2 2025 | -1.9x | Net Cash |
| Q1 2025 | -1.4x | Net Cash |
| Q4 2024 | -0.3x | Net Cash |
TCBK has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like TCBK.
GS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 44.5 | Neutral |
| Stochastic | 16.3 | Oversold |
GS's weekly RSI is 45 (neutral) and its Stochastic is 16 (oversold).
TCBK Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 45.7 | Neutral |
| Stochastic | 21.0 | Neutral |
TCBK's weekly RSI is 46 (neutral) and its Stochastic is 21 (neutral).
GS PE vs Financial Services Sector
| Metric | GS | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 0.8% above |
| PE % | 46 | 63 | 17 pts below |
GS is trading at 13x earnings, in line with the Financial Services sector's median of 13x, though its earnings don't support one.
TCBK PE vs Financial Services Sector
| Metric | TCBK | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 7.8% below |
| PE % | 40 | 63 | 23 pts below |
TCBK has the edge over GS on valuation relative to its sector.
GS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $895.5 | 2% above |
| 20 week MA | $977.4 | 6.5% below |
| 50 week MA | $945.4 | 3.4% below |
| 100 week MA | $804.5 | 14% above |
| 200 week MA | $602.7 | 52% above |
GS's trend is mixed: it's above three of its five weekly moving averages, and 52% above its 200-week average.
TCBK Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $52.2 | 1.1% below |
| 20 week MA | $54.4 | 5.1% below |
| 50 week MA | $51.5 | 0.2% above |
| 100 week MA | $46.9 | 10% above |
| 200 week MA | $43.1 | 20% above |
TCBK has pulled back, but its long-term trend is still up: it's below its 8- and 20-week averages, but 20% above its 200-week average.
GS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $230.7 | $256.2 | +11% |
| 2021 | $256.2 | $385.0 | +50% |
| 2022 | $385.0 | $345.5 | -10% |
| 2023 | $345.5 | $385.8 | +12% |
| 2024 | $385.8 | $576.2 | +49% |
| 2025 | $576.2 | $907.0 | +57% |
| 2026 YTD | $907.0 | $913.6 | +0.7% |
GS has finished higher in five of the last six years, two of them by more than 50%. It's up 0.7% so far in 2026.
TCBK Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $40.8 | $34.5 | -15% |
| 2021 | $34.5 | $42.0 | +22% |
| 2022 | $42.0 | $50.5 | +20% |
| 2023 | $50.5 | $43.0 | -15% |
| 2024 | $43.0 | $44.0 | +2.5% |
| 2025 | $44.0 | $48.3 | +9.7% |
| 2026 YTD | $48.3 | $51.6 | +6.8% |
TCBK has the edge over GS on returns for 2026, with the stronger performance.