TriCo Bancshares (TCBK) Income Statement
TCBK 2025 at a glance
Fiscal year ended December 31, 2025 · U.S. dollarsTCBK revenue and net income
Where TCBK's revenue goes
2025Each bar shows an amount and its share of revenue. TCBK kept 22.8% of revenue as net income.
TCBK profit margins
TCBK growth rates
to 2025| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | +1.8% | +9.0% | +11.0% | +10.2% |
| Gross profit | +5.9% | +1.7% | +8.8% | +7.3% |
| Operating income | +9.1% | −0.9% | +14.1% | +8.8% |
| Net income | +5.8% | −1.0% | +13.4% | +10.7% |
| EPS (diluted) | +7.2% | −2.2% | +11.4% | +6.9% |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
TCBK quarterly EPS vs estimates
TriCo Bancshares beat the analyst EPS estimate in 8 of the last 8 quarters. Next report: October 22, 2026 (estimate $1.08).
TCBK income statement
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $533.3M | $524.0M | $492.8M | $412.0M | $334.9M | $317.2M | $320.8M | $272.4M | $226.8M | $213.3M |
| Cost of revenue | $128.8M | $141.8M | $105.7M | $28.0M | −$1.3M | $52.3M | $13.7M | $15.5M | $6.9M | −$249,000 |
| Gross profit | $404.5M | $382.1M | $387.1M | $384.0M | $336.2M | $264.9M | $307.1M | $257.0M | $219.9M | $213.5M |
| Research & development | — | — | — | — | — | — | — | $0 | $0 | $0 |
| Sales, general & admin | $173.3M | $160.8M | $144.6M | $136.7M | $111.8M | $116.5M | $112.9M | $100.4M | $88.7M | $86.7M |
| Total operating expenses | $235.4M | $227.0M | $226.2M | $210.1M | $172.5M | $177.6M | $180.3M | $163.6M | $142.4M | $141.0M |
| Operating income | $169.2M | $155.1M | $160.9M | $173.9M | $163.7M | $87.3M | $126.8M | $93.4M | $77.5M | $72.5M |
| Interest income | $469.1M | $465.1M | $424.2M | $354.7M | $276.3M | $266.4M | $271.2M | $226.5M | $180.1M | $171.5M |
| Interest expense | $119.7M | $135.2M | $81.7M | $9.5M | $5.5M | $9.5M | $15.4M | $12.9M | $6.8M | $5.7M |
| Income before taxes | $166.2M | $155.1M | $160.9M | $173.9M | $163.7M | $87.3M | $126.8M | $93.4M | $77.5M | $72.5M |
| Income taxes | $44.6M | $40.2M | $43.5M | $48.5M | $46.0M | $22.5M | $34.8M | $25.0M | $37.0M | $27.7M |
| Net income | $121.6M | $114.9M | $117.4M | $125.4M | $117.7M | $64.8M | $92.1M | $68.3M | $40.6M | $44.8M |
| EBITDA | $183.6M | $171.2M | $179.8M | $192.3M | $181.0M | $105.0M | $144.1M | $103.9M | $85.8M | $80.4M |
| EPS (diluted) | $3.71 | $3.46 | $3.54 | $3.96 | $3.94 | $2.16 | $3.00 | $2.68 | $2.08 | $1.94 |
| Gross margin | 75.9% | 72.9% | 78.6% | 93.2% | 100.4% | 83.5% | 95.7% | 94.3% | 97.0% | 100.1% |
| Operating margin | 31.7% | 29.6% | 32.7% | 42.2% | 48.9% | 27.5% | 39.5% | 34.3% | 34.2% | 34.0% |
| Net margin | 22.8% | 21.9% | 23.8% | 30.4% | 35.1% | 20.4% | 28.7% | 25.1% | 17.9% | 21.0% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $137.5M | $134.9M | $137.3M | $136.1M | $131.6M | $128.3M | $131.4M | $132.1M | $130.9M | $129.6M | $130.1M | $126.9M |
| Cost of revenue | $30.0M | $29.9M | $27.9M | $31.1M | $34.5M | $35.3M | $34.5M | $35.0M | $35.4M | $37.0M | $35.3M | $28.4M |
| Gross profit | $107.5M | $104.9M | $109.4M | $105.0M | $97.1M | $93.0M | $96.9M | $97.1M | $95.5M | $92.6M | $94.8M | $98.5M |
| Sales, general & admin | $44.6M | $42.0M | $51.1M | $39.7M | $40.4M | $42.1M | $40.6M | $40.9M | $37.4M | $36.3M | $36.2M | $36.5M |
| Total operating expenses | $61.2M | $59.1M | $59.8M | $58.5M | $59.3M | $57.7M | $58.0M | $57.7M | $56.4M | $54.9M | $58.4M | $56.4M |
| Operating income | $46.3M | $45.9M | $49.6M | $46.5M | $37.8M | $35.4M | $38.9M | $39.4M | $39.1M | $37.7M | $36.4M | $42.1M |
| Interest income | $120.8M | $117.0M | $119.8M | $119.6M | $116.0M | $113.7M | $116.5M | $117.0M | $116.6M | $115.0M | $115.5M | $112.4M |
| Interest expense | $27.4M | $26.6M | $27.9M | $30.4M | $29.8M | $31.5M | $32.8M | $34.7M | $35.0M | $32.7M | $29.3M | $24.3M |
| Income before taxes | $46.3M | $45.9M | $46.6M | $46.5M | $37.8M | $35.3M | $38.9M | $39.4M | $39.1M | $37.7M | $36.4M | $42.1M |
| Income taxes | $12.1M | $12.2M | $12.9M | $12.4M | $10.3M | $8.9M | $9.9M | $10.3M | $10.1M | $9.9M | $10.3M | $11.5M |
| Net income | $34.2M | $33.7M | $33.6M | $34.0M | $27.5M | $26.4M | $29.0M | $29.1M | $29.0M | $27.7M | $26.1M | $30.6M |
| EBITDA | $46.3M | $49.5M | $53.4M | $50.1M | $41.3M | $38.8M | $42.8M | $43.4M | $43.2M | $41.7M | $40.7M | $46.8M |
| EPS (diluted) | $1.06 | $1.04 | $1.03 | $1.04 | $0.84 | $0.80 | $0.88 | $0.88 | $0.87 | $0.83 | $0.79 | $0.92 |
| Gross margin | 78.2% | 77.8% | 79.7% | 77.1% | 73.8% | 72.5% | 73.8% | 73.5% | 72.9% | 71.5% | 72.9% | 77.6% |
| Operating margin | 33.7% | 34.0% | 36.1% | 34.1% | 28.7% | 27.6% | 29.6% | 29.8% | 29.9% | 29.1% | 28.0% | 33.2% |
| Net margin | 24.8% | 25.0% | 24.5% | 25.0% | 20.9% | 20.5% | 22.1% | 22.0% | 22.2% | 21.4% | 20.0% | 24.1% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported in TCBK's financial statements (latest annual report filed March 2, 2026); data from EODHD. Sales, general & administrative expenses include sales and marketing.
TCBK financial results
In fiscal year 2025 (ended December 31, 2025), TriCo Bancshares reported revenue of $533.3 million, up 1.8% from the year before. It had net income of $121.6 million (up 5.8%), a net profit margin of 22.8%. Diluted earnings per share came to $3.71. Over five years revenue grew at an average rate of 11.0% a year.
See the TCBK stock overview for the latest quote and news, or the TCBK chart for price history and technical indicators.
TCBK income statement FAQ
What is TriCo Bancshares's annual revenue?
TriCo Bancshares reported total revenue of $533.3 million for fiscal year 2025, which ended on December 31, 2025. That was up 1.8% from $524.0 million the previous year.
Is TriCo Bancshares profitable?
Yes. TriCo Bancshares reported net income of $121.6 million in fiscal 2025, a net profit margin of 22.8%; its operating margin was 31.7%.
What is TriCo Bancshares's gross margin?
TriCo Bancshares's gross margin was 75.9% in fiscal 2025: for every $100 of revenue, TriCo Bancshares kept $76 after the direct cost of its products and services.
How fast is TriCo Bancshares growing?
Revenue grew 11.0% a year on average over the last five fiscal years, from $317.2 million to $533.3 million.
What are TriCo Bancshares's earnings per share?
TriCo Bancshares earned $3.71 per diluted share in fiscal 2025, compared with $3.46 a year earlier.
When will TriCo Bancshares report its next earnings?
TriCo Bancshares is expected to report results for the quarter ending September 30, 2026 on October 22, 2026 before the market opens.
When does TriCo Bancshares's fiscal year end?
TriCo Bancshares's fiscal year ends in December. The latest annual report covers the year ended December 31, 2025 and was filed on March 2, 2026.