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TriCo Bancshares logo

TriCo Bancshares

TCBK

NASDAQFinancial ServicesBanks - Regional

Open in GoAI

Previous close

$55.07

−$0.61 · -1.10%

Aug 21, 4:00 PM ET

Pre-market

$55.98

+$0.91 · +1.65%

Aug 24, 7:23 AM ET

TCBK company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

73

Undervalued

Momentum

53

Neutral

Sentiment

70

Bullish

Risk resilience

78

Moderate Risk

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Thesis, catalysts, evidence, and risk analysis.

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Company profile

Company website

TriCo Bancshares functions as the parent company for Tri Counties Bank, delivering a full spectrum of commercial banking services to both individual clients and corporate entities. The institution accommodates various deposit types, including checking, savings, and term accounts. Its lending portfolio is comprehensive, featuring financing for small businesses, a range of real estate mortgages (encompassing residential and commercial properties), personal consumer loans, general commercial credit facilities (with a focus on agricultural lending), and funding for real estate development projects. Beyond deposits and loans, the company offers treasury management solutions, standard banking amenities such as safe deposit boxes, and independent financial and broker-dealer services. Established in 1975 and headquartered in Chico, California, the bank maintains a substantial presence throughout 31 counties in California, operating 61 traditional branches, 7 in-store branches, and 7 specialized loan production offices.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
Richard Smith
Listed since
Apr 20, 1993
Employees
1,114

Market position

Day range

Current $55.07

52-week range

Current $55.07

Open
$56.01
Previous close
$55.68
Volume
191.44K
0.74× average
Average volume
257.8K
Average daily volume
Market cap
1.77B USD
Beta
0.62
Market reference 1
50-day average
$56.046
-1.74% below average
200-day average
$50.6991
+8.62% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

P/E (TTM)
13.08×
P/B (TTM)
1.31×
P/S (TTM)
3.24×
Dividend yield
2.61%

Profitability & efficiency

Gross margin
78.20%
Operating margin
34.49%
Net margin
24.83%

Financial health

Debt / equity
0.06×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends108%77%45%14%Gross margin, FY2021: 100.38%Gross margin, FY2022: 93.20%Gross margin, FY2023: 78.56%Gross margin, FY2024: 72.93%Gross margin, FY2025: 75.85%Operating margin, FY2021: 48.88%Operating margin, FY2022: 42.21%Operating margin, FY2023: 32.66%Operating margin, FY2024: 29.61%Operating margin, FY2025: 31.73%Net margin, FY2021: 35.13%Net margin, FY2022: 30.44%Net margin, FY2023: 23.82%Net margin, FY2024: 21.92%Net margin, FY2025: 22.79%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 100.38%. Gross margin FY2022 93.20%. Gross margin FY2023 78.56%. Gross margin FY2024 72.93%. Gross margin FY2025 75.85%. Operating margin FY2021 48.88%. Operating margin FY2022 42.21%. Operating margin FY2023 32.66%. Operating margin FY2024 29.61%. Operating margin FY2025 31.73%. Net margin FY2021 35.13%. Net margin FY2022 30.44%. Net margin FY2023 23.82%. Net margin FY2024 21.92%. Net margin FY2025 22.79%.

Income trends

Revenue

533.31M USD+1.78%

Operating income

169.24M USD+9.10%

Net income

121.56M USD+5.82%
Income trends across reported periods575.15M USD407.78M USD240.4M USD73.02M USDRevenue, FY2021: 334.9M USDRevenue, FY2022: 412.05M USDRevenue, FY2023: 492.81M USDRevenue, FY2024: 523.97M USDRevenue, FY2025: 533.31M USDOperating income, FY2021: 163.7M USDOperating income, FY2022: 173.91M USDOperating income, FY2023: 160.93M USDOperating income, FY2024: 155.12M USDOperating income, FY2025: 169.24M USDNet income, FY2021: 117.66M USDNet income, FY2022: 125.42M USDNet income, FY2023: 117.39M USDNet income, FY2024: 114.87M USDNet income, FY2025: 121.56M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 334.9M USD. Revenue FY2022 412.05M USD. Revenue FY2023 492.81M USD. Revenue FY2024 523.97M USD. Revenue FY2025 533.31M USD. Operating income FY2021 163.7M USD. Operating income FY2022 173.91M USD. Operating income FY2023 160.93M USD. Operating income FY2024 155.12M USD. Operating income FY2025 169.24M USD. Net income FY2021 117.66M USD. Net income FY2022 125.42M USD. Net income FY2023 117.39M USD. Net income FY2024 114.87M USD. Net income FY2025 121.56M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue533.31M USD523.97M USD492.81M USD412.05M USD334.9M USD
Cost of goods sold128.79M USD141.84M USD105.67M USD28M USD−1.27M USD
Gross profit404.52M USD382.13M USD387.14M USD384.05M USD336.17M USD
Selling, general, and administrative173.33M USD160.84M USD144.6M USD136.69M USD111.83M USD
Operating expenses235.36M USD227.03M USD226.24M USD210.14M USD172.47M USD
Interest income469.44M USD465.12M USD437.06M USD354.67M USD276.06M USD
Interest expense119.73M USD135.2M USD81.68M USD9.53M USD5.51M USD
Depreciation and amortization13.56M USD16.07M USD18.85M USD18.38M USD17.28M USD
Operating income169.24M USD155.12M USD160.93M USD173.91M USD163.7M USD
Net income121.56M USD114.87M USD117.39M USD125.42M USD117.66M USD

Company facts updated Aug 24, 2026.

Earnings

Latest fiscal-year EPS
3.71
FY2025 · +6.92% year over year
Latest fiscal-year revenue
533.31M USD
FY2025 · +1.78% year over year
Next fiscal-year EPS consensus
4.28
FY2026 · 4 analysts
Next fiscal-year revenue consensus
450.34M USD
FY2026 · 3 analysts

Annual EPS trend

Reported history and fiscal-year consensus

ReportedConsensus forecast
Annual EPS trend4.584.183.773.37FY21FY22FY23FY24FY25FY26FY27

Annual revenue trend

Reported history and fiscal-year consensus

ReportedConsensus forecast
Annual revenue trend553.15M473.79M394.43M315.06MFY21FY22FY23FY24FY25FY26FY27

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Recent analyst actions

6 institutions
Janney Montgomery ScottdowngradeBuyNeutral

TCBK news

businesswire.com

TriCo Bancshares Announces Quarterly Cash Dividend

CHICO, Calif.--(BUSINESS WIRE)---- $TCBK #CommunityBank--The Board of Directors of TriCo Bancshares (NASDAQ: TCBK) (the “Company”), parent company of Tri Counties Bank, declared a quarterly cash dividend of $0.36…

Read source
zacks.com

TriCo (TCBK) is a Top Dividend Stock Right Now: Should You Buy?

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does TriCo (TCBK) have what it takes?

Read source
gurufocus.com

Tri Counties Bank Releases Small Business Cybersecurity Study

Tri Counties Bank has released new research examining how small business owners view cyber threats, prepare for attacks, and assess the potential impact on thei

Read source
businesswire.com

Tri Counties Bank Releases Small Business Cybersecurity Study

CHICO, Calif.--(BUSINESS WIRE)--Tri Counties Bank has released new research examining how small business owners view cyber threats, prepare for attacks, and assess the potential impact on their operations. The research…

Read source
prnewswire.com

Are CBZ, SAFT, NEUP, TCBK Obtaining Fair Deals for their Shareholders?

/PRNewswire/ -- Halper Sadeh LLC, an investor rights law firm, is investigating the following companies for potential violations of the federal securities laws

Read source
globenewswire.com

BRODSKY & SMITH SHAREHOLDER UPDATE: Notifying Investors of the Following Investigations: MarketAxess Holdings Inc. (Nasdaq – MKTX), CBIZ, Inc. (NYSE – CBZ), Sanara MedTech Inc. (Nasdaq – SMTI), TriCo Bancshares (Nasdaq – TCBK)

BALA CYNWYD, Pa., Aug. 04, 2026 (GLOBE NEWSWIRE) -- Brodsky & Smith reminds investors of the following investigations. If you own shares and wish to discuss the investigation, contact Jason Brodsky…

Read source

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ETFs holding TCBK

Funds reporting this stock among their holdings, ordered by reported position size.

Vanguard Morningstar Total Stock Market ETF logoVanguard Morningstar Total Stock Market ETFVTI
Market value
50.08M
Weight
0.00%
AUM
2.3T USD
Expense ratio
0.03%
Price / 1D
$378.24+0.44%
iShares Russell 2000 ETF logoiShares Russell 2000 ETFIWM
Market value
42.09M
Weight
0.05%
AUM
81.62B USD
Expense ratio
0.19%
Price / 1D
$299.96+0.77%
Vanguard Extended Market ETF logoVanguard Extended Market ETFVXF
Market value
21.09M
Weight
0.02%
AUM
93.7B USD
Expense ratio
0.05%
Price / 1D
$245.53+0.82%
Avantis U.S. Small Cap Value ETF logoAvantis U.S. Small Cap Value ETFAVUV
Market value
18.39M
Weight
0.06%
AUM
31.27B USD
Expense ratio
0.25%
Price / 1D
$126.45+0.66%
iShares Russell 2000 Value ETF logoiShares Russell 2000 Value ETFIWN
Market value
15.8M
Weight
0.11%
AUM
14.66B USD
Expense ratio
0.24%
Price / 1D
$224.81+0.45%
Dimensional - US Targeted Value ETF logoDimensional - US Targeted Value ETFDFAT
Market value
10.89M
Weight
0.07%
AUM
14.66B USD
Expense ratio
0.28%
Price / 1D
$71.67+0.67%
Vanguard Dividend Appreciation ETF logoVanguard Dividend Appreciation ETFVIG
Market value
10.39M
Weight
0.01%
AUM
130.9B USD
Expense ratio
0.04%
Price / 1D
$243.91+0.69%
State Street SPDR S&P Regional Banking ETF logoState Street SPDR S&P Regional Banking ETFKRE
Market value
9.76M
Weight
0.24%
AUM
4.06B USD
Expense ratio
0.35%
Price / 1D
$74.86+0.20%

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