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TriCo Bancshares

TriCo Bancshares

TCBK · NASDAQ · Financial Services / Banks - Regional

51.79USD+0.21 (+0.41%)

Price History

Full chart

Market Stats

Previous Close51.58
Open51.77
Day Range51.23 – 51.90
52-Week Range39.29 – 61.30
Volume88.18K
Market Cap1.66B
P/E (TTM)12.56
Forward P/E12.12
EPS4.13
Dividend Yield2.75%
Beta0.61
50-Day Avg55.56
200-Day Avg51.55

About

TriCo Bancshares operates as a bank holding company for Tri Counties Bank that provides commercial and retail banking services to individual and corporate customers. The company accepts demand, savings, and time deposits; and offers checking, specialized, money market, education, health savings, certificate of deposit, and business and public funds savings accounts, as well as individual retirement accounts. It also offers small business loans; real estate mortgage loans, such as residential and commercial loans; consumer loans; mortgage, auto, and personal loans; commercial loans, including agricultural loans; motorcycle, RV, boat, and other vehicle loans; and real estate construction loans. In addition, the company provides treasury management services; credit and debit cards; other customary banking services comprising safe deposit boxes; and brokerage and wealth management services. Further, it offers equipment financing, digital banking, overdraft, and payment processing services. The company was founded in 1975 and is headquartered in Chico, California.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Richard P. Smith
  • Employees1.11K
  • Headquarters63 Constitution Drive, Chico, CA, United States, 95973, USA
  • Websitehttps://www.tcbk.com

Leadership

  • Mr. Richard P. SmithChairman, President & CEO · b. 1958
  • Mr. Michael W. KoehnenIndependent Vice Chairman of the Board & Corporate Secretary · b. 1961
  • Dr. Gregory A. GehlmannSenior VP & General Counsel · b. 1961
  • Mr. Craig B. CarneyExecutive VP & Chief Credit Officer · b. 1959
  • Mr. Daniel K. BaileyExecutive VP & Chief Banking Officer · b. 1969
  • Jason Todd LevingstonChief Information Officer
  • Mr. Jason CoveShareholder Relations
  • Ms. Kristen Denise DominguezSenior VP & Chief Human Resources Officer · b. 1974
  • Mr. Scott A. RobertsonSenior VP & Head of Community Banking of Tri Counties Bank
  • Angela Tamara RuddSenior VP & Chief Risk Officer

Financials

Income Statement

Currency: USD1991-12-311992-12-311993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue39.30M40.00M42.40M48.30M51.90M55.80M69.50M78.00M80.70M91.30M88.43M83.88M96.88M109.73M123.65M146.58M154.86M148.20M142.66M137.27M136.28M144.31M140.91M152.63M202.57M213.27M226.81M272.42M320.76M317.18M334.90M412.05M492.81M523.97M533.31M
Growth (%)-+1.78%+6.00%+13.92%+7.45%+7.51%+24.55%+12.23%+3.46%+13.13%-3.14%-5.15%+15.50%+13.26%+12.69%+18.55%+5.65%-4.30%-3.74%-3.78%-0.72%+5.89%-2.35%+8.32%+32.72%+5.28%+6.35%+20.11%+17.75%-1.12%+5.59%+23.03%+19.60%+6.32%+1.78%
Cost of Revenue17.40M15.50M14.10M16.00M18.30M20.00M27.00M29.50M28.00M33.54M27.89M15.71M14.34M16.91M22.70M35.73M43.61M52.50M52.06M51.59M33.30M16.77M3.98M636.00K3.21M-249.00K6.89M15.46M13.69M52.27M-1.27M28.00M105.67M141.84M128.79M
Gross Profit21.90M24.50M28.30M32.30M33.60M35.80M42.50M48.50M52.70M57.76M60.55M68.16M82.54M92.81M100.95M110.84M111.24M95.70M90.60M85.68M102.98M127.54M136.93M152.00M199.37M213.52M219.93M256.96M307.08M264.91M336.17M384.05M387.14M382.13M404.52M
Gross Margin55.73%61.25%66.75%66.87%64.74%64.16%61.15%62.18%65.30%63.26%68.47%81.27%85.20%84.59%81.64%75.62%71.84%64.57%63.50%62.42%75.57%88.38%97.17%99.58%98.42%100.12%96.96%94.33%95.73%83.52%100.38%93.20%78.56%72.93%75.85%
Operating Expense14.80M15.70M17.60M22.00M21.70M23.50M32.90M34.70M34.80M37.90M40.80M45.97M55.53M60.18M62.11M66.73M68.91M68.74M75.45M77.20M73.20M95.61M91.12M107.38M126.65M141.00M142.41M163.61M180.26M177.56M172.47M210.14M226.21M227.01M235.27M
Operating Income7.10M8.80M10.70M10.30M11.90M12.30M9.60M13.80M17.90M19.86M19.74M22.19M27.01M32.63M38.84M44.12M42.34M26.96M15.15M8.47M29.78M31.93M45.80M44.62M72.71M72.52M77.51M93.35M126.82M87.35M163.70M173.91M160.93M155.12M169.24M
Operating Margin18.07%22.00%25.24%21.33%22.93%22.04%13.81%17.69%22.18%21.75%22.33%26.46%27.88%29.74%31.41%30.10%27.34%18.19%10.62%6.17%21.85%22.13%32.51%29.23%35.90%34.00%34.17%34.27%39.54%27.54%48.88%42.21%32.66%29.61%31.73%
EBITDA8.40M11.00M11.60M12.50M13.60M14.30M13.60M18.00M22.40M23.75M23.36M28.26M36.15M39.98M45.94M50.12M47.19M30.91M18.90M12.27M33.28M36.43M50.64M50.80M79.78M80.37M85.83M103.86M144.13M104.99M180.98M192.29M179.75M171.17M182.80M
EBITDA Margin21.37%27.50%27.36%25.88%26.20%25.63%19.57%23.08%27.76%26.02%26.42%33.70%37.31%36.43%37.15%34.19%30.48%20.86%13.25%8.94%24.42%25.25%35.94%33.28%39.38%37.69%37.84%38.13%44.93%33.10%54.04%46.67%36.48%32.67%34.28%
Net Income4.30M5.20M6.30M5.90M7.00M7.30M5.90M8.80M11.40M12.62M12.42M14.07M16.89M20.18M23.67M26.83M25.69M16.80M9.96M6.00M18.59M18.99M27.40M26.11M43.82M44.81M40.55M68.32M92.07M64.81M117.66M125.42M117.39M114.87M121.56M
Net Income Margin10.94%13.00%14.86%12.22%13.49%13.08%8.49%11.28%14.13%13.83%14.04%16.77%17.43%18.39%19.14%18.30%16.59%11.33%6.98%4.37%13.64%13.16%19.44%17.10%21.63%21.01%17.88%25.08%28.70%20.43%35.13%30.44%23.82%21.92%22.79%
R&D--------------------00000000-------
R&D as % of Total Revenue--------------------0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%-------
Interest Expense16.20M13.60M12.30M15.70M18.00M19.20M24.00M25.30M24.40M28.54M23.49M12.91M13.09M13.36M20.53M34.45M40.58M31.55M20.61M14.13M10.24M7.34M4.70M4.68M5.42M5.72M6.80M12.87M15.38M9.46M5.51M9.53M81.68M135.20M119.73M
Interest Expense % of Total Revenue41.22%34.00%29.01%32.51%34.68%34.41%34.53%32.44%30.24%31.26%26.56%15.40%13.51%12.18%16.60%23.50%26.21%21.29%14.45%10.30%7.51%5.09%3.33%3.07%2.67%2.68%3.00%4.73%4.79%2.98%1.64%2.31%16.57%25.80%22.45%

Balance Sheet

Currency: USD1991-12-311992-12-311993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets384.50M434.50M516.30M593.80M603.60M694.90M826.20M904.60M924.80M972.07M1.01B1.14B1.47B1.63B1.84B1.92B1.98B2.04B2.17B2.19B2.56B2.61B2.74B3.91B4.22B4.52B4.76B6.35B6.47B7.64B8.61B9.93B9.91B9.67B9.82B
Total Liabilities354.10M403.10M474.50M545.60M550.40M634.10M761.10M832.60M851.70M886.84M918.51M1.05B1.34B1.49B1.69B1.75B1.79B1.85B1.97B1.99B2.34B2.38B2.49B3.49B3.77B4.04B4.26B5.53B5.56B6.71B7.61B8.88B8.75B8.45B8.49B
Total Equity30.40M31.40M41.80M48.20M53.20M60.80M65.10M72.00M73.10M85.23M86.93M99.01M127.96M138.13M149.49M169.44M188.88M197.93M200.65M200.40M216.44M229.36M250.95M418.48M452.12M477.35M505.81M827.37M906.57M925.11M1.00B1.05B1.16B1.22B1.33B
Cash28.30M24.60M33.90M39.70M65.30M52.20M63.50M50.50M52.00M58.19M59.26M67.17M80.60M70.04M90.56M102.22M88.80M86.36M61.03M57.25M637.27M748.90M598.37M610.73M303.46M305.61M205.43M227.53M276.51M669.55M768.42M107.23M98.70M144.96M157.01M
Total Debt1.30M1.00M7.10M49.00M26.30M29.20M26.70M51.90M45.50M34.48M22.96M22.92M83.01M115.79M169.43M119.15M213.36M143.24M107.99M103.26M186.32M59.63M53.91M65.55M68.80M91.65M196.46M88.72M121.68M139.44M158.25M413.55M794.52M216.24M80.23M
Net Debt-27.00M-23.60M-26.80M9.30M-39.00M-23.00M-36.80M1.40M-6.50M-23.71M-36.31M-44.25M2.40M45.75M78.87M16.93M124.57M56.89M46.96M46.00M-523.50M-698.46M-550.79M-545.18M-234.66M-231.45M-26.40M-154.65M-154.83M-530.12M-633.98M287.42M695.82M71.28M-76.78M

Cash Flow

Currency: USD1991-12-311992-12-311993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow5.60M4.90M12.50M4.60M10.00M-11.80M2.00M15.30M15.60M18.84M14.30M22.31M25.80M29.46M29.92M32.87M32.14M36.79M25.94M51.19M31.66M52.06M41.09M27.42M54.82M48.23M55.38M91.07M102.81M114.80M132.21M162.90M138.89M109.71M133.29M
Investing Cash Flow-24.00M-55.10M-76.20M-23.50M18.60M-25.80M-113.90M-95.40M-19.60M-47.74M-14.31M-144.43M-179.48M-176.97M-199.36M-68.01M-76.64M-81.70M118.25M60.45M153.36M29.25M-302.90M-178.72M-604.31M-139.39M-357.44M-142.00M-29.79M-816.33M-883.81M-723.22M28.57M285.00M-82.63M
Financing Cash Flow5.30M46.50M73.10M15.70M-3.00M24.60M123.20M67.10M14.00M26.66M19.78M119.43M159.34M136.62M192.34M45.22M30.29M42.47M116.05M-87.16M81.18M30.32M111.28M163.67M242.23M93.32M201.88M73.04M-24.04M1.09B850.47M-100.86M-175.98M-348.45M-38.60M
Capital Expenditure1.20M2.10M1.70M2.00M1.30M2.50M6.30M1.20M2.10M3.00M1.95M3.12M2.75M3.21M4.77M3.78M1.74M1.06M2.63M3.16M3.35M10.79M8.31M4.67M5.49M10.93M15.16M7.37M4.29M2.81M3.20M3.62M4.89M4.56M5.36M
Free Cash Flow4.40M2.80M10.80M2.60M8.70M-14.30M-4.30M14.10M13.50M15.84M12.35M19.18M23.05M26.25M25.15M29.09M30.40M35.73M23.31M48.03M28.31M41.27M32.77M22.75M49.33M37.30M40.22M83.63M98.51M111.99M129.01M159.27M134.00M105.15M127.93M
Dividends Paid1.70M1.60M1.70M1.70M1.90M2.60M3.00M3.40M5.00M5.68M5.64M5.62M6.14M6.73M7.07M7.59M8.27M8.19M8.21M6.34M5.74M5.76M6.75M7.81M11.85M13.70M15.13M18.77M25.00M26.30M29.72M35.80M39.90M43.65M45.03M
FCF to OCF78.57%57.14%86.40%56.52%87.00%121.19%-215.00%92.16%86.54%84.09%86.36%86.01%89.36%89.11%84.07%88.51%94.59%97.12%89.85%93.83%89.42%79.27%79.77%82.99%89.99%77.34%72.62%91.84%95.82%97.55%97.58%97.78%96.48%95.85%95.98%
Dividend Paid to FCF38.64%57.14%15.74%65.38%21.84%-18.18%-69.77%24.11%37.04%35.86%45.67%29.29%26.64%25.63%28.12%26.11%27.21%22.93%35.22%13.21%20.28%13.95%20.58%34.31%24.02%36.72%37.62%22.44%25.38%23.49%23.04%22.48%29.78%41.51%35.20%

Earnings

Report DateJul 18, 1995Oct 17, 1995Jan 23, 1996Apr 12, 1996Jul 19, 1996Oct 16, 1996Mar 21, 1997Apr 17, 1997Jul 15, 1997Oct 20, 1997Mar 31, 1998Jul 20, 1998Oct 15, 1998Jan 25, 1999Apr 15, 1999Jul 15, 1999Oct 14, 1999Jan 20, 2000Apr 13, 2000Jun 30, 2000Oct 24, 2000Jan 22, 2001Apr 17, 2001Jul 17, 2001Oct 12, 2001Jan 22, 2002Apr 17, 2002Jul 15, 2002Oct 15, 2002Jan 21, 2003Apr 23, 2003Jul 28, 2003Oct 23, 2003Jan 29, 2004Apr 21, 2004Jul 21, 2004Oct 21, 2004Jan 26, 2005Apr 28, 2005Jul 25, 2005Oct 26, 2005Jan 31, 2006Apr 26, 2006Jul 26, 2006Oct 24, 2006Jan 31, 2007Apr 26, 2007Jul 26, 2007Oct 24, 2007Jan 30, 2008Apr 28, 2008Jul 24, 2008Oct 29, 2008Feb 3, 2009Apr 29, 2009Jul 28, 2009Oct 29, 2009Jan 26, 2010Apr 27, 2010Jul 29, 2010Oct 29, 2010Jan 26, 2011Apr 28, 2011Jul 26, 2011Oct 28, 2011Jan 30, 2012Apr 30, 2012Jul 27, 2012Oct 25, 2012Jan 28, 2013Apr 29, 2013Jul 25, 2013Oct 29, 2013Jan 29, 2014Apr 29, 2014Jul 28, 2014Oct 29, 2014Jan 30, 2015Apr 29, 2015Jul 23, 2015Oct 29, 2015Jan 28, 2016Apr 28, 2016Jul 28, 2016Oct 26, 2016Jan 30, 2017Apr 27, 2017Jul 27, 2017Oct 30, 2017Jan 30, 2018Apr 26, 2018Jul 26, 2018Oct 29, 2018Jan 29, 2019Apr 25, 2019Jul 25, 2019Oct 28, 2019Jan 28, 2020Apr 29, 2020Jul 28, 2020Oct 26, 2020Jan 27, 2021Apr 28, 2021Jul 27, 2021Oct 26, 2021Jan 25, 2022Apr 28, 2022Jul 27, 2022Oct 26, 2022Jan 25, 2023Apr 26, 2023Jul 26, 2023Oct 25, 2023Jan 25, 2024Apr 25, 2024Jul 25, 2024Oct 24, 2024Jan 23, 2025Apr 24, 2025Jul 24, 2025Oct 23, 2025Jan 22, 2026Apr 23, 2026Jul 23, 2026Oct 22, 2026
EPS Estimate0.110.120.130.130.130.130.150.140.130.14-0.130.140.140.160.170.180.190.21-0.220.190.210.200.230.240.210.240.240.250.260.250.270.280.300.300.300.340.330.340.370.390.400.410.420.430.410.410.420.420.330.290.290.370.250.180.140.120.130.120.100.050.100.120.170.180.260.270.260.330.330.390.410.420.370.400.370.390.400.440.460.500.480.490.490.490.490.510.550.560.600.630.610.700.720.730.720.730.580.470.590.690.810.930.930.910.661.011.091.161.100.940.880.830.800.790.810.780.780.820.910.990.971.031.08
EPS Actual0.120.160.130.130.120.130.140.110.070.110.130.150.160.170.190.190.200.210.270.210.200.190.210.200.230.240.410.240.250.260.250.270.270.290.290.300.320.330.320.350.370.410.400.400.420.420.390.410.420.350.250.140.390.260.180.190.140.140.100.080.000.200.170.170.400.410.250.330.390.290.530.390.450.320.450.300.480.350.360.490.550.500.460.410.530.540.520.580.510.470.620.670.630.760.740.750.760.750.530.250.590.791.130.950.920.940.750.961.121.131.080.750.920.790.830.870.880.880.800.841.041.031.041.06-
Surprise9.09%33.33%0.00%0.00%-7.69%0.00%-6.67%-21.43%-46.15%-21.43%-15.38%14.29%21.43%18.75%11.76%11.11%10.53%28.57%--9.09%0.00%0.00%0.00%0.00%0.00%95.24%0.00%4.17%4.00%-3.85%8.00%0.00%3.57%-3.33%0.00%6.67%-2.94%-3.03%2.94%0.00%5.13%0.00%-2.44%0.00%-2.33%-4.88%0.00%0.00%-16.67%-24.24%-51.72%34.48%-29.73%-28.00%5.56%0.00%16.67%-23.08%-33.33%-99.90%300.00%70.00%41.67%135.29%127.78%-3.85%22.22%50.00%-12.12%60.61%0.00%9.76%-23.81%21.62%-25.00%29.73%-10.26%-10.00%11.36%19.57%0.00%-4.17%-16.33%8.16%10.20%6.12%13.73%-7.27%-16.07%3.33%6.35%3.28%8.57%2.78%2.74%5.56%2.74%-8.62%-46.81%0.00%14.49%39.51%2.15%-1.08%3.30%13.64%-4.95%2.75%-2.59%-1.82%-20.21%4.55%-4.82%3.75%10.13%8.64%12.82%2.56%2.44%14.29%4.04%7.22%2.91%-
Timing-----Pre-marketPre-marketPre-marketPre-marketPre-market-Pre-market---------After-hours--After-hoursAfter-hoursAfter-hoursAfter-hours--After-hours-After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursPre-market-Pre-marketPre-marketPre-marketAfter-hoursPre-marketAfter-hoursPre-marketAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-market

Key Statistics & Ratios

Market Cap1.66B
Enterprise Value1.66B
Trailing P/E12.56
Forward P/E12.12
PEG Ratio1.94
Price / Sales3.89
Price / Book1.25
EPS4.13
Book Value42.03
Revenue (TTM)426.21M
Gross Profit (TTM)426.21M
Profit Margin31.79%
Operating Margin43.17%
Return on Equity10.38%
Return on Assets1.37%
Shares Outstanding31.97M
Shares Float30.32M
Beta0.61
Dividend Yield2.75%
Dividend Rate1.44
Payout Ratio34.53%

Analyst Ratings

Buy
Based on 6 analystsTarget 62.81
  • Strong Buy
    1
  • Buy
    2
  • Hold
    3

Ownership Breakdown

Institutions
73.99%
Insiders
8.58%
Retail / Other
17.43%

Top Institutional Holders

  • FMR Inc
    2.89M9.04%
  • BlackRock Inc
    2.39M7.48%
  • Dimensional Fund Advisors, Inc.
    1.73M5.41%
  • Franklin Templeton Inc
    1.65M5.16%
  • Vanguard Capital Management, LLC
    1.28M3.99%
  • Davis Asset Management, L.P.
    1.05M3.27%
  • State Street Corp
    966.58K3.02%
  • Geode Capital Management, LLC
    801.01K2.51%
  • AllianceBernstein L.P.
    597.21K1.87%
  • Vanguard Portfolio Management, LLC
    454.56K1.42%
  • American Century Companies Inc
    448.21K1.40%
  • Manufacturers Life Insurance Co
    421.18K1.32%
  • The Goldman Sachs Group Inc
    420.34K1.31%
  • Two Sigma Investments LLC
    377.71K1.18%

Top Fund Holders

  • Franklin Small Cap Value A
    1.03M3.18%
  • Vanguard MStar Total Stk Mkt Idx Invest
    867.50K2.68%
  • iShares Russell 2000 ETF
    756.21K2.34%
  • Fidelity Small Cap Value Fund
    654.32K2.02%
  • Fidelity Series Small Cap Opps
    585.27K1.81%
  • Fidelity Stock Selector Small Cap
    566.07K1.75%

Dividends

20263×
0.36Sep 11, 20260.36Jun 5, 20260.36Mar 6, 2026
20254×
0.36Dec 5, 20250.36Sep 5, 20250.33Jun 6, 20250.33Mar 7, 2025
20244×
0.33Dec 6, 20240.33Sep 6, 20240.33Jun 7, 20240.33Mar 7, 2024
20234×
0.30Dec 7, 20230.30Sep 7, 20230.30Jun 8, 20230.30Mar 16, 2023
20224×
0.30Dec 8, 20220.30Sep 8, 20220.25Jun 9, 20220.25Mar 10, 2022
20214×
0.25Dec 16, 20210.25Sep 9, 20210.25Jun 10, 20210.25Mar 11, 2021
20201×
0.22Dec 3, 2020

Stock Splits

  • May 3, 20042:1
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  • Oct 16, 19955:4
  • Jun 24, 199328:25