TriCo Bancshares (TCBK) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

TriCo Bancshares

NasdaqGS•Financial Services•Banks - Regional

$53.43-0.39(-0.01%)Pre-market

Market Cap

$1.71B

P/E

12.7x

P/S

3.1x

P/B

1.3x

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.

How this company scores

ExcellentMetricSide Score: 82/100

Strongest: Cash & Earnings Quality (23/25); weakest: Growth (19/25).

Profitability20/25

Growth19/25

Balance Sheet & Red Flags20/25

Cash & Earnings Quality23/25

Strengths

Rising free cash flowStrong marginsRising earningsLow leverage

No red flags in the last 8 quarters.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 12.7x5y range 8.3x – 14.3x

Currently near its 20-quarter median.

P/S · 3.1x5y range 2.2x – 4.3x

Currently near its 20-quarter median.

P/B · 1.3x5y range 1.0x – 1.6x

Price & Volume

Market Cap $1.71B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $549.40M
Q. Revenue: $139.23M
TTM EBITDA: $191.61M
TTM Op. Income: $185.22M
Q. Op. Income: $46.30M
TTM Net Income: $135.51M
Q. Net Income: $34.17M
EPS: $1.07
Shares Out.: $31.92M

$549.40M in TTM revenue grew 3.6% YoY, reaching $139.23M last quarter. TTM EBITDA of $191.61M and TTM operating income of $185.22M show growth is flowing through to the bottom line. TTM net income of $135.51M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 5 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 80.4%
EBITDA Margin: 33.6%
Op. Margin: 33.3%
Net Margin: 24.5%

Op. margin of 33.3% is up 4.9% YoY — cost efficiency is improving. Net margin at 24.5% and gross margin of 80.4% show how much of each revenue dollar survives to profit. Over the past year, operating margin is up 17% — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 12.7x
P/S Ratio: 3.1x
P/B Ratio: 1.3x

At 12.7x P/E, the stock trades below typical market levels. P/S of 3.1x and P/B of 1.3x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Over the past year, P/E is up 7% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $9.93B
Cash: $105.22M
Long-Term Debt: $41.24M
Book Value: $1.34B
D/E Ratio: 0.0
Debt/EBITDA: 0.9

With $9.93B in assets and $41.24M in long-term debt, D/E is 0.0and book value is $1.34B — a conservative capital structure with a cushion to weather downturns. Over the past year, debt/equity is down 62% — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $25.14M
TTM Free Cash Flow: $133.13M
FCF Margin: 24.2%
FCF / Net Income: 1.0

TTM FCF of $133.13M on $25.14M in operating cash flow. The FCF / Net Income ratio of 1.0x means free cash flow covers net income — earnings are backed by cash. Over the past year, free cash flow is up 31% — a weakening trend.