TriCo Bancshares (TCBK) Stock Price, News & Analysis

Company Overview

TriCo Bancshares, Inc. is the bank holding company for Tri Counties Bank, a community-oriented financial institution founded in 1975 and headquartered in Lompoc, California. Since its incorporation in 1984, the company has expanded its footprint across California’s Central Coast and Sacramento markets, operating branches in counties such as Santa Barbara, Ventura, San Luis Obispo, Monterey, Sacramento, San Diego and Yolo. TriCo Bancshares provides a full suite of banking services designed to meet the diverse needs of individuals, families and businesses in the regions it serves.

Through its subsidiary, Tri Counties Bank, the company offers a comprehensive range of deposit products, including checking, savings, money market and certificate of deposit accounts. On the lending side, TriCo Bancshares specializes in commercial and industrial loans, real estate and construction financing, small business and SBA-backed loans, as well as consumer mortgage lending. The bank’s treasury management solutions help commercial clients optimize cash flow, streamline receivables and payables, and manage liquidity.

In addition to traditional banking services, TriCo Bancshares provides wealth management and trust services through TriCo Investment Advisors and Tri Counties Bank Trust Division. These businesses offer investment advisory, financial planning, retirement solutions and fiduciary services for high-net-worth individuals, families and institutions. The company’s mortgage banking arm delivers home purchase and refinance solutions, ensuring access to both conforming and government-backed loan programs.

Under the leadership of President and Chief Executive Officer Kevin Miller and a board of directors comprised of regional business and community leaders, TriCo Bancshares remains committed to fostering local economic growth. The company is active in philanthropic and community development efforts, supporting nonprofit organizations, educational initiatives and small business programs throughout its service area.

Key Stats

• Today's Range: $41.80 to $43.20
• 50-Day Range: $38.52 to $42.96
• 52-Week Range: $35.20 to $51.06
• Volume: 49,589 shs
• Average Volume: 115,516 shs
• Market Capitalization: $1.41 billion
• P/E Ratio: 12.52
• Dividend Yield: 3.07%
• Price Target: $47.80
• Consensus Rating: Moderate Buy

TriCo Bancshares Stock Analysis - MarketRank™

TriCo Bancshares scored higher than 61% of companies evaluated by MarketBeat, and ranked 502nd out of 907 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 2.3 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

TriCo Bancshares has received a consensus rating of Moderate Buy. The company's average rating score is 2.50, and is based on 3 buy ratings, 3 hold ratings, and no sell ratings.

Amount of Analyst Coverage

TriCo Bancshares has only been the subject of 3 research reports in the past 90 days.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 9.55%

Earnings Growth

Earnings for TriCo Bancshares are expected to grow by 9.55% in the coming year, from $3.35 to $3.67 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of TriCo Bancshares is 12.52, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.65.

Price to Earnings Ratio vs. Sector

The P/E ratio of TriCo Bancshares is 12.52, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 20.04.

Price to Book Value per Share Ratio

TriCo Bancshares has a P/B Ratio of 1.16. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 2.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

1.78% of the float of TriCo Bancshares has been sold short.

Short Interest Ratio / Days to Cover

TriCo Bancshares has a short interest ratio ("days to cover") of 5.

Change versus previous month

Short interest in TriCo Bancshares has recently increased by 3.21%, indicating that investor sentiment is decreasing.

Dividend

• Score: 4.2 / 5
• Dividend Strength: Strong

Dividend Yield

TriCo Bancshares pays a meaningful dividend of 3.07%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

TriCo Bancshares has been increasing its dividend for 12 years.

Dividend Coverage

The dividend payout ratio of TriCo Bancshares is 38.48%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, TriCo Bancshares will have a dividend payout ratio of 35.97% next year. This indicates that TriCo Bancshares will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

1.78% of the float of TriCo Bancshares has been sold short.

Short Interest Ratio / Days to Cover

TriCo Bancshares has a short interest ratio ("days to cover") of 5.

Change versus previous month

Short interest in TriCo Bancshares has recently increased by 3.21%, indicating that investor sentiment is decreasing.

News and Social Media

• Score: 1.0 / 5
• News Sentiment: -0.23

News Sentiment

TriCo Bancshares has a news sentiment score of -0.23. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.73 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 4 news articles for TriCo Bancshares this week, compared to 3 articles on an average week.

Search Interest

Only 1 people have searched for TCBK on MarketBeat in the last 30 days. This is a decrease of 0% compared to the previous 30 days.

Company Ownership

• Score: 0.8 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, TriCo Bancshares insiders have not sold or bought any company stock.

Percentage Held by Insiders

Only 4.80% of the stock of TriCo Bancshares is held by insiders.

Percentage Held by Institutions

59.11% of the stock of TriCo Bancshares is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

TCBK Stock Analysis - Frequently Asked Questions

How have TCBK shares performed this year?

TriCo Bancshares' stock was trading at $43.70 on January 1st, 2025. Since then, TCBK stock has decreased by 1.7% and is now trading at $42.96.

How were TriCo Bancshares' earnings last quarter?

TriCo Bancshares (NASDAQ:TCBK) posted its earnings results on Thursday, April, 24th. The financial services provider reported $0.80 earnings per share (EPS) for the quarter, topping analysts' consensus estimates of $0.78 by $0.02. The financial services provider had revenue of $98.62 million for the quarter, compared to analysts' expectations of $99.59 million. TriCo Bancshares had a trailing twelve-month return on equity of 9.28% and a net margin of 21.41%.

How do I buy shares of TriCo Bancshares?

Shares of TCBK stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of TriCo Bancshares own?

Based on aggregate information from My MarketBeat watchlists, some other companies that TriCo Bancshares investors own include Tesla (TSLA), JPMorgan Chase & Co. (JPM), Meta Platforms (META), NVIDIA (NVDA), Advanced Micro Devices (AMD), Alphabet (GOOG) and Netflix (NFLX).

Company Calendar

• Last Earnings: 4/24/2025
• Record date for 6/20 Dividend: 6/06/2025
• Ex-Dividend for 6/20 Dividend: 6/06/2025
• Dividend Payable: 6/20/2025
• Today: 7/06/2025
• Next Earnings (Estimated): 7/24/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - WEST
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:TCBK
• CIK: 356171
• Web: www.tcbk.com
• Phone: (530) 898-0300
• Fax: 530-898-0310
• Employees: 1,201
• Year Founded: 1974

Price Target and Rating

• Average Stock Price Target: $47.80
• High Stock Price Target: $53.00
• Low Stock Price Target: $43.00
• Potential Upside/Downside: +11.3%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.50
• Research Coverage: 6 Analysts

Profitability

• EPS (Trailing Twelve Months): $3.43
• Trailing P/E Ratio: 12.52
• Forward P/E Ratio: 12.82
• P/E Growth: N/A
• Net Income: $114.87 million
• Net Margins: 21.41%
• Pretax Margin: 28.81%
• Return on Equity: 9.28%
• Return on Assets: 1.16%

Debt

• Debt-to-Equity Ratio: 0.15
• Current Ratio: 0.86
• Quick Ratio: 0.86

Sales & Book Value

• Annual Sales: $531.04 million
• Price / Sales: 2.66
• Cash Flow: $3.81 per share
• Price / Cash Flow: 11.27
• Book Value: $36.99 per share
• Price / Book: 1.16

Miscellaneous

• Outstanding Shares: 32,860,000
• Free Float: 31,281,000
• Market Cap: $1.41 billion
• Optionable: Optionable
• Beta: 0.60