Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
TCBK
BUYTriCo Bancshares · Financial Services · United States · $1.9B · Avg Vol: $27M/d
COMPANY DESCRIPTION
TriCo Bancshares is a regional bank holding company providing a full range of commercial and retail banking services to individuals and businesses across Northern and Central California. The company emphasizes a community-bank model, building strong client relationships through personalized service and local decision-making. Its consistent growth, robust deposit base, and focus on supporting local economies provide a stable competitive position in its operating regions.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 402.5M | 411.1M | 388.8M | 411.3M | 0.7% | 415.9M | 440.3M | 458.1M | 5.5% |
| EPS | 3.85 | 3.53 | 3.47 | 3.72 | -1.1% | 3.89 | 4.27 | 4.38 | 8.5% |
| Shares | 33.3M | 33.3M | 33.0M | 32.3M | -3.0% | 31.9M | — | — | — |
| Debt | 394.6M | 761.9M | 216.2M | 80.2M | -41.2% | 79.2M | — | — | — |
| Equity | 1.0B | 1.2B | 1.2B | 1.3B | 8.3% | — | — | — | — |
| Op CF | 162.9M | 138.9M | 109.7M | 133.3M | -6.5% | 142.5M | — | — | — |
| Inv CF | -723.2M | 28.6M | 285.0M | -82.6M | — | — | — | — | — |
| Fin CF | -100.9M | -176.0M | -348.4M | -38.6M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of TCBK are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| TCBK | TriCo Bancshares(you) | $1.9B | 66 | BUY |
| OBK | Origin Bancorp, Inc. | $1.7B | 66 | BUY |
| CASH | Pathward Financial, Inc. | $1.8B | 61 | HOLD |
| DCOM | Dime Commercial Bancshares, Inc. | $1.7B | 71 | BUY |
| CHCO | City Holding Company | $2.0B | 72 | BUY |
| EFSC | Enterprise Financial Services Corp | $2.4B | 68 | BUY |
| WABC | Westamerica Bancorporation | $1.4B | 68 | BUY |
| SYBT | Stock Yards Bancorp, Inc. | $2.4B | 69 | BUY |
| STBA | S&T Bancorp, Inc. | $1.9B | 74 | BUY |
| TRMK | Trustmark Corporation | $2.7B | 65 | BUY |
Peer medians: ROE 9.4% · P/E 13.9x · Gross margin 100.0%