TriCo Bancshares (TCBK) AI Stock Analysis

Established in 1975 and headquartered in Chico, California, TriCo Bancshares serves as the bank holding company for Tri Counties Bank. The company provides a comprehensive suite of financial services to individuals and businesses, including demand, savings, and time deposits. Its lending operations span small business loans, residential and commercial real estate mortgages, consumer loans, agricultural loans, and real estate construction loans. In addition, it provides treasury management services, safe deposit boxes, and independent financial and broker-dealer services. Tri Counties Bank operates through 61 traditional branches, 7 in-store branches, and 7 loan production offices across 31 California counties.

Annual revenue grew from $334.9M in FY2021 to $533.3M in FY2025, representing a 5-year revenue CAGR of 11.0%. Over the same period, annual net income moved from $117.7M in FY2021 to $121.6M in FY2025, with EPS increasing from $3.94 to $3.71 after bottoming at $3.46 in FY2024. Operating margin moderated from 48.9% in FY2021 to 31.7% in FY2025, before improving to 43.2% for the trailing twelve months. For the latest quarter ended June 30, 2026, quarterly revenue expanded 10.4% year-over-year, and quarterly earnings grew 26.2% year-over-year.

As of June 30, 2026, TriCo Bancshares held $105.2M in cash and short-term investments and $77.1M in total debt, resulting in a net cash position of $28.2M. Shareholders' equity stood at $1.34B out of $9.93B in total assets, yielding a debt-to-equity ratio of 0.06 and a current ratio of 10.22. In FY2025, operating cash flow reached $133.3M and free cash flow was $127.9M after $5.4M in capital expenditures. Capital returns during FY2025 included $45.0M in dividends paid and $32.0M in share buybacks.

TriCo Bancshares trades at a trailing P/E of 12.5x and a forward P/E of 12.1x, compared to medians of 12.1x and 10.8x, respectively, for its US-listed Financial Services peers. Its price-to-sales multiple is 3.9x, above the peer group median of 3.2x, while its price-to-book ratio is 1.2x. Over the past year, TCBK shares appreciated 31.5%, outperforming the S&P 500 return of 16.8%. Over a 5-year span, the stock's 38.7% gain trails the S&P 500 return of 83.0%.

TriCo Bancshares pays a quarterly dividend, supported by a 34-year track record of consecutive payments. The annualized forward payout is $1.44 per share, translating to a dividend yield of 2.77% as of October 16, 2026. The dividend has grown at an annualized rate of 9.4% over five years, supported by a payout ratio of 34.5%. The last ex-dividend date was September 11, 2026.

Wall Street coverage consists of 1 Strong Buy, 0 Buy, and 5 Hold ratings. The mean price target of $58.67 implies 12.7% upside relative to the closing price of $52.04 on October 16, 2026. Analysts project full-year EPS of $4.29 on revenue of $450.4M for the fiscal year ending December 31, 2026. For the following fiscal year, consensus models EPS of $4.37 and revenue of $468.4M. The company beat EPS estimates in each of the last 4 quarters, and its next earnings date is October 22, 2026.

This page is an AI-written research summary of TriCo Bancshares (TCBK). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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