TriCo Bancshares Key Fundamental And Technical Indicators

Stocks . USA . 
Stock . TriCo Bancshares
TCBK Stock  USD 49.96  -0.20  -0.40%   
Financial ratios for TriCo Bancshares include profitability, liquidity, leverage, and capital-structure metrics. At a P/E of 19.22 and a 30.99% profit margin, TriCo Bancshares sits in this range among its peers. Return on equity is 9.99%. Currently, the RSI oscillator for TriCo Bancshares stands at 50, indicating neutral momentum. A midpoint RSI reading suggests neither buyers nor sellers hold a decisive advantage at this juncture.
Momentum
OversoldOverbought
50 · Neutral
On the 12th of May 2026, TriCo Bancshares is quoted at 49.96 per share. Observed technical values include Risk Adjusted Performance of -0.04, variance of 1.78, and Coefficient Of Variation of -2,283. The framework analyzes price history and volume dynamics to measure short- and intermediate-term momentum. Indicator readings are benchmarked against comparable companies.
Cycles Operators Shifting Impulse Patterns Depth Overlaps Statistics Volatility Volume
Tracking TriCo Bancshares' financial statements over time enables identification of durable earnings growth. Core indicators shaping TriCo Bancshares' market valuation are listed below: Sound investing in TriCo Bancshares starts with understanding earnings trends and cash conversion cycles.
 Gross Profit
415.93 million
 Profit Margin
14.0%
 Market Capitalization
1.61 billion
 Enterprise Value Revenue
4.05
 Revenue
415.93 million
Over one hundred nineteen fundamental gauges for TriCo Bancshares are available for trend analysis and peer benchmarking. Ensure to verify all of TriCo Bancshares' recent performance against the performance from 2010 to 2026 to make sure the company is sustainable down the road. According to the filing dated December 31, 2025, Market Cap is holding steady around $1.38 billion. Also, Enterprise Value is holding steady around $1.31 billion. For wider market screening beyond TriCo Bancshares, explore the Equity Screeners module. Screening criteria include profitability, leverage, growth, and price-based metrics.
Altman
Z Score
Details
Piotroski
F Score
Details
Beneish
M Score
Details
Profitability
Analysis
Details
Earnings
Projections
Details

Balance Sheet

Trends
TriCo Bancshares' balance sheet maps out the full scope of what the company controls and what it owes. TriCo Bancshares's near-term obligation coverage reveals how well it manages short-term financial demands. The detailed accounts below quantify TriCo Bancshares' ability to meet its obligations.
Current ValueLast YearHistorical Average 10 Year Trend
Total Assets$10.31 billion$9.82 billion6.1 B
Consistent Growth
Short and Long Term Debt Total$129.13 million$80.23 million168.6 M
High Variability
Total Current Liabilities$8.69 billion$8.27 billion2.7 B
Moderate Growth
Total Stockholder Equity$1.39 billion$1.33 billion728.8 M
Consistent Growth
Property Plant And Equipment Net$99.99 million$95.23 million69.9 M
Consistent Growth
Retained Earnings$777.26 million$740.24 million363.3 M
Consistent Growth
Accounts Payable$9.23 million$8.79 million3.3 M
Moderate Growth
Cash$222.87 million$157.01 million359.5 M
High Variability
Non Current Assets Total$10.11 billion$9.63 billion3.5 B
Consistent Growth
Cash And Short Term Investments$149.16 million$157.01 million1 B
High Variability
Net Receivables$35.33 million$33.65 million21 M
Consistent Growth
Common Stock Shares Outstanding21.02 million32.63 million24.3 M
Moderate Growth
Liabilities And Stockholders Equity$10.31 billion$9.82 billion6.1 B
Consistent Growth
Non Current Liabilities Total$385.62 million$221.37 million693.3 M
High Variability
Total Liabilities$8.92 billion$8.49 billion5.4 B
Consistent Growth
Property, Plant and Equipment (Gross)$176.95 million$168.52 million86.6 M
Consistent Growth
Total Current Assets$181.13 million$190.67 million922.9 M
High Variability
Short Term Debt$114.86 million$109.39 million45.5 M
Moderate Growth
Intangible Assets$4.25 million$4.47 million12 M
High Variability
Common Stock Total Equity$842.17 million$802.07 million423.2 M
Consistent Growth
Common Stock$716.48 million$682.36 million408.6 M
Consistent Growth
Other Liabilities$192.89 million$183.7 million94.7 M
Consistent Growth
Long Term Debt$50.3 million$52.95 million136.7 M
High Variability
Property Plant Equipment$43.95 million$83.18 million58.7 M
Moderate Growth
Good Will$367.61 million$350.11 million165.9 M
Consistent Growth
Net Tangible Assets$523.14 million$853.27 million515.7 M
Consistent Growth
Retained Earnings Total Equity$655.52 million$624.3 million344.5 M
Consistent Growth
Long Term Debt Total$441.52 million$420.49 million177.3 M
Moderate Growth
Long Term Investments$2.4 billion$1.83 billion2.2 B
High Variability
Non Current Liabilities Other$227.91 million$217.06 million110 M
Consistent Growth
Short and Long Term Debt$48.67 million$29.32 million52.3 M
High Variability
Earning Assets$1.55 billion$1.69 billion1.4 B
Moderate Growth
Net Invested Capital$1.32 billion$1.38 billion993.8 M
Consistent Growth
Capital Stock$676.43 million$682.36 million584.1 M
Moderate Growth
Capital Lease Obligations$21.92 million$27.28 million27.1 M
Stable

Income Statement

Trends
TriCo Bancshares' income statement is where revenue meets reality. TriCo Bancshares reports EBITDA of 182.8 M, stripping out non-cash charges to focus on operational cash generation. Revenue growth at TriCo Bancshares means little if margins are shrinking.
Current ValueLast YearHistorical Average 10 Year Trend
Depreciation And Amortization$7.98 million$13.56 million10.6 M
Moderate Growth
Interest Expense$125.72 million$119.73 million33.9 M
Moderate Growth
Selling General Administrative$178.19 million$169.7 million98 M
Consistent Growth
Total Revenue$559.97 million$533.31 million295.5 M
Consistent Growth
Gross Profit$424.74 million$404.52 million254.2 M
Consistent Growth
Other Operating Expenses$382.36 million$364.15 million196.1 M
Consistent Growth
Operating Income$177.71 million$169.24 million99.4 M
Consistent Growth
EBIT$177.71 million$169.24 million99.4 M
Consistent Growth
EBITDA$191.94 million$182.8 million110.4 M
Consistent Growth
Total Operating Expenses$247.12 million$235.36 million154.8 M
Consistent Growth
Income Before Tax$174.47 million$166.16 million99 M
Consistent Growth
Net Income$127.64 million$121.56 million69.1 M
Consistent Growth
Income Tax Expense$46.83 million$44.6 million30 M
Consistent Growth
Selling And Marketing Expenses$3.85 million$3.62 million3.5 M
High Variability
Net Income From Continuing Ops$85.6 million$121.56 million74.8 M
Moderate Growth
Tax Provision$40.32 million$44.6 million34.6 M
Moderate Growth
Net Interest Income$288.43 million$349.33 million232.5 M
Consistent Growth
Interest Income$326.64 million$469.06 million258.8 M
Consistent Growth
Reconciled Depreciation$15.77 million$14.39 million11.9 M
Consistent Growth

Cash Flow

Trends
TriCo Bancshares' cash flow statement divides money movements into operations, investing, and financing. TriCo Bancshares's operating cash flow of 133.3 M anchors the earnings quality assessment. TriCo Bancshares's ability to self-fund growth depends on the strength of its operating cash flows.
Current ValueLast YearHistorical Average 10 Year Trend
Free Cash Flow$134.33 million$127.93 million78.8 M
Consistent Growth
Begin Period Cash Flow$239.57 million$144.96 million373.8 M
High Variability
Depreciation$8.01 million$14.39 million10.7 M
Moderate Growth
Dividends Paid$47.28 million$45.03 million22.3 M
Consistent Growth
Capital Expenditures$4.6 million$5.36 million5.9 M
High Variability
Total Cash From Operating Activities$139.96 million$133.29 million84.8 M
Consistent Growth
Net Income$127.64 million$121.56 million69.1 M
Consistent Growth
End Period Cash Flow$247.96 million$157.01 million362 M
High Variability

Financial Ratios

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio1.96x2.88x2.9701
High Variability
Dividend Yield2.89%2.93%0.0239
High Variability
PTB Ratio1.721.161.3478
Moderate Variation
Days Sales Outstanding28.2223.0325.5518
Moderate Variation
Book Value Per Share42.9840.9326.0325
Consistent Growth
Free Cash Flow Yield6.78%8.32%0.0871
High Variability
Operating Cash Flow Per Share4.314.113.0859
Moderate Growth
Stock Based Compensation To Revenue0.01x0.01x0.0071
Moderate Variation
Capex To Depreciation$0.31$0.330.7915
Moderate Decline
PB Ratio1.72x1.16x1.3478
Moderate Variation
Free Cash Flow Per Share4.143.942.8201
Consistent Growth
ROIC0.080.080.0742
High Variability
Net Income Per Share3.933.752.4459
Consistent Growth
Sales General And Administrative To Revenue0.23x0.33x0.3428
Moderate Variation
Capex To Revenue0.01x0.01x0.0277
Moderate Decline
Cash Per Share4.64.8442.391
High Variability
POCF Ratio12.6211.5311.1263
High Variability
Interest Coverage1.34x1.41x8.4156
High Variability
Payout Ratio42.00%37.04%0.3237
Moderate Variation
Capex To Operating Cash Flow$0.04$0.040.1088
Moderate Decline
PFCF Ratio7.8612.0112.3504
High Variability
Income Quality$1.22$1.11.3581
High Variability
ROE0.120.090.0971
Moderate Variation
PE Ratio12.15x12.64x14.0998
Moderate Variation
Return On Tangible Assets0.010.010.0106
Moderate Variation
Earnings Yield8.17%7.91%0.0741
Moderate Variation
Intangibles To Total Assets$0.03$0.030.0239
Moderate Growth
Current Ratio0.020.020.2309
High Variability
Tangible Book Value Per Share32.9831.4120.1992
Consistent Growth
Receivables Turnover11.8615.8514.7823
Moderate Variation
Graham Number$61.68$58.7437.7187
Consistent Growth
Shareholders Equity Per Share42.9840.9326.0325
Consistent Growth
Debt To Equity0.06x0.06x0.2324
High Variability
Capex Per Share0.180.170.2662
High Variability
Revenue Per Share17.2616.4410.9546
Consistent Growth
Interest-Bearing Debt Per Share5.336.167.0587
High Variability
Debt To Assets0.01x0.01x0.0249
High Variability
Price Earnings Ratio12.15x12.64x14.0998
Moderate Variation
Operating Cycle$28.22$23.0325.5518
Moderate Variation
Price Book Value Ratio1.72x1.16x1.3478
Moderate Variation
Dividend Payout Ratio42.00%37.04%0.3237
Moderate Variation
Price To Operating Cash Flows Ratio12.62x11.53x11.1263
High Variability
Price To Free Cash Flows Ratio7.86x12.01x12.3504
High Variability
Pretax Profit Margin22.00%31.16%0.3151
High Variability
Ebt Per Ebit$1.09$0.981.0041
Stable
Operating Profit Margin22.00%31.73%0.3155
High Variability
Effective Tax Rate$0.4$0.270.3416
Moderate Decline
Company Equity Multiplier11.7x7.4x9.4748
Moderate Decline
Long Term Debt To Capitalization0.04x0.04x0.1451
High Variability
Total Debt To Capitalization0.05x0.06x0.1742
High Variability
Return On Capital Employed0.140.110.1161
High Variability
Debt-to-Equity Ratio0.060.060.2324
High Variability
Ebit Per Revenue$0.22$0.320.3155
High Variability
Quick Ratio0.020.020.2309
High Variability
Dividend Paid And Capex Coverage Ratio2.13x2.65x2.9219
High Variability
Net Income Per EBT$0.51$0.730.6531
Moderate Variation
Cash Ratio0.020.020.1005
Moderate Decline
Operating Cash Flow Sales Ratio0.180.250.275
High Variability
Days Of Sales Outstanding28.2223.0325.5518
Moderate Variation
Free Cash Flow Operating Cash Flow Ratio0.630.960.8717
Moderate Variation
Cash Flow Coverage Ratios1.74x1.66x0.9463
High Variability
Price To Book Ratio1.72x1.16x1.3478
Moderate Variation
Fixed Asset Turnover3.845.64.307
High Variability
Capital Expenditure Coverage Ratio26.1x24.86x18.5133
Moderate Growth
Price Cash Flow Ratio12.6211.5311.1263
High Variability
Debt Ratio0.010.010.0249
High Variability
Cash Flow To Debt Ratio1.741.660.9463
High Variability
Price Sales Ratio1.96x2.88x2.9701
High Variability
Return On Assets1.17%1.24%0.0105
Moderate Growth
Asset Turnover0.070.050.0523
High Variability
Net Profit Margin14.00%22.79%0.2101
High Variability
Gross Profit Margin62.00%75.85%0.8638
Moderate Variation
Price Fair Value1.72x1.16x1.3478
Moderate Variation
Return On Equity12.00%9.15%0.0971
Moderate Variation

Valuation Indicators

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Market Cap$1.45 billion$1.38 billion1.4 B
High Variability
Enterprise Value$1.38 billion$1.31 billion1.4 B
High Variability

Key Fundamentals

Forward Price Earnings12.1212
Cash And Short Term Investments157.01 million

What Drives Return On Equity TTM

The matrix identifies which financial accounts at TriCo Bancshares share the strongest relationships with Return On Equity TTM. Highly correlated accounts often share underlying business drivers, while inverse relationships may reflect structural trade-offs.
Click cells to compare fundamentals
Competition

TriCo Bancshares Accumulated Other Comprehensive Income

Accumulated Other Comprehensive Income

$-89.87 million
Accumulated Other Comprehensive Income stood at $-94.61 million as of December 31, 2025.

TriCo Bancshares How Key Fundamentals Interact

ROE stood at 0.12 as of December 31, 2025. Related reported metric: Return On Asset TTM at 1.17% as of December 31, 2025.

Technical Setup as of May 12, 2026

Cycle Indicators
Math Operators
Math Transform
Momentum Indicators
Overlap Studies
Pattern Recognition
Price Transform
Statistic Functions
Volatility Indicators
Volume Indicators
Risk Adjusted Performance-0.04
Market Risk Adjusted Performance-0.07
Mean Deviation1.05
Coefficient Of Variation-2,283
Standard Deviation1.34
Variance1.78
Information Ratio-0.04
Jensen Alpha-0.05
Total Risk Alpha-0.04
Treynor Ratio-0.08
Maximum Drawdown5.41
Value At Risk-2.05
Potential Upside2.3
Skewness-0.28
Kurtosis0.2558

Market Strength and Momentum

Accumulation/Distribution and Balance of Power for TriCo Bancshares reveal whether buying or selling pressure dominates recent sessions. Balance of Power trending positive indicates that buyers are consistently closing TriCo Bancshares near session highs. These signals help explain whether price direction and session structure are moving together for TriCo Bancshares.
Accumulation Distribution2179.02
Daily Balance Of Power-0.16
Rate Of Daily Change1.0
Day Median Price49.92
Day Typical Price49.93
Price Action Indicator-0.06
Period Momentum Indicator-0.20
Relative Strength Index50.17

Price Forecast Models

Relative Strength Index values for TriCo Bancshares measure the speed and magnitude of recent price changes. Recognizing these clusters in TriCo Bancshares' returns informs position size and stop-loss calibration. Candlestick pattern analysis of TriCo Bancshares Stock daily data reveals short-term reversal or continuation signals.
Naive Prediction
Simple Exponential Smoothing
Double Exponential Smoothing
Triple Exponential Smoothing
Simple Regression
Polynomial Regression
Simple Moving Average
4 Period Moving Average
8 Period Moving Average
20 Period Moving Average

TriCo Bancshares Related Equities

Checking TriCo Bancshares against related firms within the Financials space reveals where the stock stands among peers. Checking TriCo Bancshares against peers on P/E, margins, and return on equity helps put its position in context. Firms that trade at big discounts to peers on core metrics may be worth more research.
 Risk & Return  Correlation

Return On Equity TTM Peer Comparison

Analyzing TriCo Bancshares relative to its peers on Return On Equity TTM provides a clear view of competitive standing. Consistent deviation in TriCo Bancshares' Return On Equity TTM relative to peers may signal mispricing or competitive advantages. The range of Return On Equity TTM values across TriCo Bancshares peers indicates how much variation exists within the sector.
TriCo Bancshares does not have enough peer data for a relative ranking for return on equity ttm within its peer group.

Important Fundamentals

Return On Equity TTM0.0999
Return On Asset TTM0.013
Profit Margin TTM0.31
Operating Margin TTM0.44
Current Valuation1.38 B
Shares Outstanding31.91 M
Shares Owned By Insiders8.45 %
Shares Owned By Institutions73.51 %
Number Of Shares Shorted1.27 M
Price To Earnings TTM19.22 X
Price To Book TTM1.23 X
Price To Sales TTM3.88 X
Revenue TTM533.31 M
Gross Profit TTM415.93 M
EBITDA TTM182.8 M
Net Income TTM121.56 M
Cash And Equivalents TTM246.51 M
Cash Per Share TTM7.39 X
Total Debt TTM80.23 M
Debt To Equity TTM0.15 %
Book Value Per Share TTM41.49 X
Cash Flow From Operations TTM133.29 M
Short Ratio TTM10.28 X
Earnings Per Share3.94 X
Price To Earnings To Growth1.94 X
Target Price56.0
Number Of Employees1.12 K
Trailing Beta0.62
Market Capitalization TTM1.61 B
Total Asset TTM9.82 B
Retained Earnings TTM740.24 M
Annual Yield0.0281
Five Year Return2.19 %
Net Asset9.82 B
Last Dividend Paid1.41

Financial Profile and Methodology

TriCo Bancshares's core fundamentals cover profitability, capital efficiency, and funding structure. Return on equity helps show how effectively management is turning capital into earnings. TriCo Bancshares currently reports revenue of 533.31 million, positive EPS of 3.94, operating margin of 43.72% as of the latest reporting period.

TriCo Bancshares figures are aggregated from periodic company reporting and market reference feeds and normalized across reporting formats. Where analyst coverage exists, consensus estimates are factored in. Income statement, balance sheet, and cash-flow values follow GAAP or IFRS conventions as reported.

Editorial review and methodology oversight provided by: Vlad Skutelnik, Macroaxis Contributor


 
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