TCBK
TriCo Bancshares
TCBK's fundamentals are strong: its operating margin rose 4 points to 43% and revenue grew 8.8%. At 12x earnings, it's trading in line with its usual 13x. Analysts expect earnings growth.
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.
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's PE is in its fair range at 12.0x. If earnings grow as analysts expect, today's price would be 11.6x next year's earnings.
TCBK Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for TCBK, with profitability improving.
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.
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's operating margin was 45% last quarter, up 1.4 points from the same quarter a year ago.
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's free cash flow was $129M over the past year, up 10% from the year before. Free cash flow isn't a meaningful measure for financial services companies like TCBK.
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.
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.
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).
TCBK PE vs Financial Services Sector
| Metric | TCBK | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 7.8% below |
| PE % | 40 | 63 | 23 pts below |
TCBK is trading at 12x earnings, in line with the Financial Services sector's median of 13x.
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.
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 finished higher in four of the last six years. It's up 6.8% so far in 2026.