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TriCo Bancshares (TCBK) Financials

TriCo Bancshares logo
$44.74 -0.14 (-0.30%)
As of 03:40 PM Eastern
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Annual Income Statements for TriCo Bancshares

Annual Income Statements for TriCo Bancshares

This table shows TriCo Bancshares' income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders		 26 44 45 41 68 92 65 118 125 117 115
Consolidated Net Income / (Loss)		 26 44 45 41 68 92 65 118 125 117 115
Net Income / (Loss) Continuing Operations		 26 44 45 41 68 92 65 118 125 117 115
Total Pre-Tax Income 		45 73 73 78 93 127 87 164 174 161 155
Total Revenue		 151 201 213 224 264 311 313 335 409 418 396
Net Interest Income / (Expense)		 116 156 168 175 215 257 258 272 346 357 331
Total Interest Income		 121 161 174 181 228 272 267 277 356 438 467
Loans and Leases Interest Income		 104 132 141 147 186 224 234 242 285 357 390
Investment Securities Interest Income		 16 29 31 33 40 45 32 34 66 80 72
Federal Funds Sold and Securities Borrowed Interest Income		 1.13 0.65 1.16 1.35 2.05 3.60 1.24 0.86 4.40 1.31 4.10
Total Interest Expense		 4.68 5.42 5.72 6.80 13 15 9.46 5.51 9.53 82 135
Deposits Interest Expense		 3.27 3.43 3.48 3.96 7.00 12 6.89 3.32 4.69 55 113
Long-Term Debt Interest Expense		 1.41 1.98 2.24 2.84 5.88 3.66 2.57 2.19 4.84 27 22
Total Non-Interest Income		 35 45 45 49 49 54 55 64 63 61 64
Trust Fees by Commissions		 3.00 3.35 2.33 2.73 3.15 2.88 2.99 3.67 3.99 4.52 5.57
Other Service Charges		 28 36 2.25 2.55 41 3.81 40 48 4.10 53 54
Net Realized & Unrealized Capital Gains on Investments		 2.03 3.06 4.04 4.07 2.58 3.39 9.13 9.58 2.34 0.88 1.49
Other Non-Interest Income		 1.95 2.79 36 40 2.72 43 2.95 2.78 53 3.15 3.26
Provision for Credit Losses		 -4.05 -2.21 -5.97 0.09 2.58 -1.69 43 -6.78 18 24 6.63
Total Non-Interest Expense		 110 131 146 146 168 185 183 178 217 233 234
Salaries and Employee Benefits		 58 71 81 83 94 106 112 106 130 136 141
Other Operating Expenses		 53 59 65 64 75 79 71 72 87 97 94
Income Tax Expense		 19 29 28 37 25 35 23 46 48 44 40
Basic Earnings per Share		 $1.47 $1.93 $1.96 $1.77 $2.57 $3.02 $2.17 $3.96 $3.85 $3.53 $3.47
Weighted Average Basic Shares Outstanding		 17.72M 22.75M 22.81M 22.91M 30.42M 30.43M 29.73M 29.73M 33.30M 33.27M 32.97M
Diluted Earnings per Share		 $1.46 $1.91 $1.94 $1.74 $2.54 $3.00 $2.16 $3.94 $3.83 $3.52 $3.46
Weighted Average Diluted Shares Outstanding		 17.72M 22.75M 22.81M 22.91M 30.42M 30.43M 29.73M 29.73M 33.30M 33.27M 32.97M
Weighted Average Basic & Diluted Shares Outstanding		 17.72M 22.75M 22.81M 22.91M 30.42M 30.43M 29.73M 29.73M 33.30M 33.27M 32.97M
Cash Dividends to Common per Share		 $0.44 $0.52 $0.60 $0.66 $0.70 $0.82 $0.88 $1.00 $1.10 $1.20 $1.32

Quarterly Income Statements for TriCo Bancshares

This table shows TriCo Bancshares' income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 37 36 36 25 31 26 28 29 29 29 26
Consolidated Net Income / (Loss)		 37 36 36 25 31 26 28 29 29 29 26
Net Income / (Loss) Continuing Operations		 37 36 36 25 31 26 28 29 29 29 26
Total Pre-Tax Income 		51 51 49 33 42 36 38 39 39 39 35
Total Revenue		 110 115 107 104 104 103 99 98 99 100 99
Net Interest Income / (Expense)		 94 99 93 89 88 87 83 82 83 84 83
Total Interest Income		 96 103 103 107 112 116 115 117 117 117 114
Loans and Leases Interest Income		 76 82 82 87 92 96 96 98 98 98 95
Investment Securities Interest Income		 19 20 20 20 20 20 19 18 18 17 17
Federal Funds Sold and Securities Borrowed Interest Income		 1.82 0.93 0.26 0.37 0.33 0.34 0.19 0.88 1.18 1.85 2.06
Total Interest Expense		 2.26 4.09 9.57 19 24 29 33 35 35 33 32
Deposits Interest Expense		 0.99 2.17 5.15 11 17 21 24 29 31 30 29
Long-Term Debt Interest Expense		 1.27 1.92 4.43 7.10 6.88 8.19 9.15 6.01 4.05 2.86 2.67
Total Non-Interest Income		 16 16 14 16 16 16 16 16 16 16 16
Trust Fees by Commissions		 1.02 1.04 0.93 1.16 1.14 1.28 1.13 1.36 1.50 1.58 1.49
Other Service Charges		 0.92 -12 0.66 0.53 14 38 14 13 14 14 1.89
Net Realized & Unrealized Capital Gains on Investments		 0.36 0.20 0.04 0.30 0.38 0.16 0.26 0.34 0.55 0.33 -0.80
Other Non-Interest Income		 13 26 12 14 0.68 -23 0.80 0.83 0.79 0.84 13
Provision for Credit Losses		 3.80 4.25 4.20 9.65 4.16 5.99 4.31 0.41 0.22 1.70 3.73
Total Non-Interest Expense		 54 59 54 61 58 60 57 58 59 60 60
Salaries and Employee Benefits		 34 33 33 35 34 34 34 35 36 35 37
Other Operating Expenses		 21 26 21 27 23 26 22 23 24 24 23
Income Tax Expense		 14 15 13 8.56 11 10 9.95 10 10 9.85 8.94
Basic Earnings per Share		 $1.12 $1.12 $1.08 $0.75 $0.92 $0.78 $0.83 $0.88 $0.88 $0.88 $0.80
Weighted Average Basic Shares Outstanding		 33.33M 33.30M 33.21M 33.26M 33.27M 33.27M 33.17M 32.99M 33.01M 32.97M 32.86M
Diluted Earnings per Share		 $1.12 $1.11 $1.07 $0.75 $0.92 $0.78 $0.83 $0.87 $0.88 $0.88 $0.80
Weighted Average Diluted Shares Outstanding		 33.33M 33.30M 33.21M 33.26M 33.27M 33.27M 33.17M 32.99M 33.01M 32.97M 32.86M
Weighted Average Basic & Diluted Shares Outstanding		 33.33M 33.30M 33.21M 33.26M 33.27M 33.27M 33.17M 32.99M 33.01M 32.97M 32.86M
Cash Dividends to Common per Share		 $0.30 - $0.30 $0.30 $0.30 - $0.33 $0.33 $0.33 - $0.33

Annual Cash Flow Statements for TriCo Bancshares

This table details how cash moves in and out of TriCo Bancshares' business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Change in Cash & Equivalents		 12 -307 2.15 -100 22 49 393 99 -661 -8.53 46
Net Cash From Operating Activities		 27 55 48 55 91 103 115 132 163 139 110
Net Cash From Continuing Operating Activities		 27 55 48 55 91 103 115 132 163 139 110
Net Income / (Loss) Continuing Operations		 26 44 45 41 68 92 65 118 125 117 115
Consolidated Net Income / (Loss)		 26 44 45 41 68 92 65 118 125 117 115
Provision For Loan Losses		 -4.23 -1.38 -5.83 0.25 2.67 -1.79 43 -6.78 18 24 6.63
Depreciation Expense		 5.74 5.91 6.47 6.79 7.01 6.92 6.45 6.36 6.01 6.37 6.00
Amortization Expense		 1.42 4.62 6.30 4.59 6.01 13 14 18 19 13 11
Non-Cash Adjustments to Reconcile Net Income		 -4.82 -0.22 1.80 8.03 -1.10 -7.02 -20 -5.30 -14 -5.37 -5.41
Changes in Operating Assets and Liabilities, net		 3.21 2.07 -5.34 -4.83 8.16 -0.23 7.43 2.66 7.63 -16 -23
Net Cash From Investing Activities		 -179 -604 -139 -357 -142 -30 -816 -884 -723 29 285
Net Cash From Continuing Investing Activities		 -179 -604 -139 -357 -142 -30 -816 -884 -723 29 285
Purchase of Property, Leasehold Improvements and Equipment		 -5.13 -5.68 -11 -15 -7.37 -4.29 -2.81 -3.20 -3.62 -4.89 -4.56
Purchase of Investment Securities		 -397 -731 -522 -525 -610 -324 -1,074 -1,345 -1,461 -387 -165
Sale of Property, Leasehold Improvements and Equipment		 0.12 0.01 1.68 3.34 - 0.00 0.00 2.74 6.69 0.00 0.00
Divestitures		 141 - 156 - 31 - 0.00 0.00 427 0.00 0.00
Sale and/or Maturity of Investments		 82 133 235 180 443 298 261 462 308 420 455
Net Cash From Financing Activities		 164 242 93 202 73 -24 1,095 850 -101 -176 -348
Net Cash From Continuing Financing Activities		 164 242 93 202 73 -24 1,095 850 -101 -176 -348
Net Change in Deposits		 168 251 103 114 365 0.53 1,139 861 -254 -495 254
Repayment of Debt		 - - - - -271 - 8.46 23 215 - -543
Repurchase of Common Equity		 -0.29 -0.41 -1.89 -1.63 -2.48 -2.20 -27 -4.34 -27 -9.24 -16
Payment of Dividends		 -7.81 -12 -14 -15 -19 -25 -26 -30 -36 -40 -44
Other Financing Activities, Net		 0.84 0.59 0.67 0.40 0.22 0.01 0.20 0.14 1.19 0.16 0.17
Cash Interest Paid		 4.64 5.62 5.68 5.61 12 15 11 5.94 9.29 74 132
Cash Income Taxes Paid		 23 24 28 21 15 35 30 46 41 45 34

Quarterly Cash Flow Statements for TriCo Bancshares

This table details how cash moves in and out of TriCo Bancshares' business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025
Net Change in Cash & Equivalents		 -242 -139 3.11 8.46 -7.69 -12 -16 124 114 -175 163
Net Cash From Operating Activities		 36 55 39 17 46 37 25 32 29 24 25
Net Cash From Continuing Operating Activities		 36 55 39 17 46 37 25 32 29 24 25
Net Income / (Loss) Continuing Operations		 37 36 36 25 31 26 28 29 29 29 26
Consolidated Net Income / (Loss)		 37 36 36 25 31 26 28 29 29 29 26
Provision For Loan Losses		 3.61 4.71 4.20 9.63 3.27 6.90 4.28 0.34 0.06 1.96 3.73
Depreciation Expense		 1.53 1.52 1.57 1.62 1.64 1.54 1.51 1.49 1.56 1.44 1.55
Amortization Expense		 3.47 3.38 1.83 5.41 2.95 2.60 2.54 2.82 2.72 2.85 2.37
Non-Cash Adjustments to Reconcile Net Income		 -0.73 -11 0.49 -2.42 -0.89 -2.55 -2.16 -0.14 -2.49 -0.61 -2.52
Changes in Operating Assets and Liabilities, net		 -9.37 20 -4.96 -22 8.61 1.95 -8.83 -1.73 -2.32 -10 -6.98
Net Cash From Investing Activities		 -176 -75 115 -25 -103 42 60 195 90 -60 34
Net Cash From Continuing Investing Activities		 -176 -75 115 -25 -103 42 60 195 90 -60 34
Purchase of Property, Leasehold Improvements and Equipment		 -0.91 -0.49 -1.21 -2.03 -0.65 -1.00 -1.03 -0.98 -1.24 -1.31 -1.69
Purchase of Investment Securities		 -246 -137 27 -133 -193 -88 -7.38 3.49 -11 -150 -66
Sale and/or Maturity of Investments		 71 -364 90 110 90 131 68 193 102 91 102
Net Cash From Financing Activities		 -102 -119 -151 17 50 -91 -101 -103 -4.93 -139 105
Net Cash From Continuing Financing Activities		 -102 -119 -151 17 50 -91 -101 -103 -4.93 -139 105
Net Change in Deposits		 -101 -327 -303 70 -86 -176 154 63 -13 50 118
Repayment of Debt		 - 218 170 -41 - - - - - - 2.10
Repurchase of Common Equity		 -4.26 -0.30 -7.60 -1.48 -0.03 -0.13 -3.41 -10 -0.07 -1.89 -4.11
Payment of Dividends		 -10 -10 -9.97 -9.97 -9.98 -9.98 -11 -11 -11 -11 -11
Cash Interest Paid		 2.16 3.78 9.10 17 21 28 31 33 35 33 33

Annual Balance Sheets for TriCo Bancshares

This table presents TriCo Bancshares' assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Total Assets		 3,916 4,221 4,518 4,761 6,352 6,471 7,640 8,615 9,931 9,910 9,674
Cash and Due from Banks		 611 303 306 205 228 277 670 768 107 99 145
Trading Account Securities		 763 1,133 1,156 1,250 1,567 1,334 1,424 2,214 2,457 2,155 1,908
Loans and Leases, Net of Allowance		 2,246 2,487 2,727 2,985 3,989 -31 4,671 4,831 6,345 6,673 6,643
Loans and Leases		 2,283 2,523 2,760 3,015 4,022 - 4,763 4,917 6,450 6,794 6,769
Allowance for Loan and Lease Losses		 37 36 33 30 33 31 92 85 106 122 125
Accrued Investment Income		 9.28 11 12 14 19 19 20 19 32 37 35
Premises and Equipment, Net		 43 44 48 58 89 87 84 79 72 71 70
Goodwill		 63 63 64 64 221 221 221 221 304 304 304
Intangible Assets		 7.05 5.89 6.56 5.17 29 24 18 12 17 11 6.43
Other Assets		 166 165 192 173 210 4,541 533 470 597 560 561
Total Liabilities & Shareholders' Equity		 3,916 4,221 4,518 4,761 6,352 6,471 7,640 8,615 9,931 9,910 9,674
Total Liabilities		 3,498 3,769 4,041 4,256 5,525 5,565 6,714 7,615 8,885 8,750 8,453
Non-Interest Bearing Deposits		 1,084 1,156 1,276 1,368 1,761 1,833 2,582 2,980 3,502 2,723 2,549
Interest Bearing Deposits		 2,297 2,476 2,620 2,641 3,606 3,534 3,924 4,387 4,827 5,111 5,539
Short-Term Debt		 9.28 12 17 122 16 - 27 50 265 633 90
Accrued Interest Payable		 0.98 0.77 0.82 0.93 2.00 2.41 1.36 0.93 1.17 8.45 12
Long-Term Debt		 56 56 57 57 57 76 58 58 101 101 101
Other Long-Term Liabilities		 51 68 70 66 84 120 123 138 189 174 163
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 418 452 477 506 827 907 925 1,000 1,046 1,160 1,221
Total Preferred & Common Equity		 418 452 477 506 827 907 925 1,000 1,046 1,160 1,221
Preferred Stock		 - - - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 418 452 477 506 827 907 925 1,000 1,046 1,160 1,221
Common Stock		 244 248 253 256 542 544 531 532 697 697 693
Retained Earnings		 176 206 232 255 303 368 382 467 543 616 680
Accumulated Other Comprehensive Income / (Loss)		 -2.20 -1.78 -7.91 -5.23 -18 -5.22 12 0.98 -194 -153 -152

Quarterly Balance Sheets for TriCo Bancshares

This table presents TriCo Bancshares' assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q2 2022 Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025
Period end date 6/30/2022 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025
Total Assets		 10,121 9,977 9,842 9,853 9,897 9,814 9,741 9,824 9,820
Cash and Due from Banks		 489 247 110 119 111 83 207 320 308
Trading Account Securities		 2,787 2,651 2,561 2,469 2,317 2,078 1,947 1,984 1,857
Loans and Leases, Net of Allowance		 6,015 6,213 6,314 6,403 6,593 6,676 6,619 6,560 6,692
Loans and Leases		 6,113 6,314 6,422 6,521 6,709 6,801 6,743 6,684 6,821
Allowance for Loan and Lease Losses		 98 101 108 117 116 124 124 124 128
Accrued Investment Income		 26 27 31 33 35 36 36 33 33
Premises and Equipment, Net		 74 73 72 73 72 71 71 70 70
Goodwill		 308 308 304 304 304 304 304 304 304
Intangible Assets		 20 18 15 13 12 9.52 8.49 7.46 5.92
Other Assets		 402 440 6,748 439 454 556 550 544 549
Total Liabilities & Shareholders' Equity		 10,121 9,977 9,842 9,853 9,897 9,814 9,741 9,824 9,820
Total Liabilities		 9,078 8,987 8,752 8,761 8,827 8,651 8,566 8,585 8,564
Non-Interest Bearing Deposits		 3,604 3,678 3,237 3,073 2,858 2,600 2,557 2,548 2,539
Interest Bearing Deposits		 5,153 4,978 4,789 5,022 5,152 5,387 5,493 5,489 5,666
Short-Term Debt		 35 47 - 393 538 392 248 267 92
Accrued Interest Payable		 0.76 0.85 1.64 3.66 6.69 10 12 12 9.69
Long-Term Debt		 101 101 535 101 101 101 101 101 101
Other Long-Term Liabilities		 185 182 189 168 171 159 155 168 156
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 1,042 990 1,090 1,093 1,070 1,163 1,175 1,239 1,256
Total Preferred & Common Equity		 1,042 990 1,090 1,093 1,070 1,163 1,175 1,239 1,256
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 1,042 990 1,090 1,093 1,070 1,163 1,175 1,239 1,256
Common Stock		 696 696 695 695 696 696 692 693 693
Retained Earnings		 492 517 565 579 599 631 645 663 693
Accumulated Other Comprehensive Income / (Loss)		 -146 -223 -169 -181 -225 -164 -162 -117 -130

Annual Metrics And Ratios for TriCo Bancshares

This table displays calculated financial ratios and metrics derived from TriCo Bancshares' official financial filings.

Metric 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 8.84% 33.39% 5.57% 5.41% 18.01% 17.47% 0.75% 7.12% 22.02% 2.21% -5.32%
EBITDA Growth		 0.74% 60.79% 2.48% 4.21% 19.68% 37.81% -26.61% 74.43% 6.00% -9.48% -4.46%
EBIT Growth		 -2.59% 62.98% -0.26% 6.88% 20.44% 35.85% -31.12% 87.41% 6.23% -7.48% -3.61%
NOPAT Growth		 -4.71% 67.83% 2.27% -9.50% 68.47% 34.77% -29.61% 81.53% 6.60% -6.40% -2.15%
Net Income Growth		 -4.71% 67.83% 2.27% -9.50% 68.47% 34.77% -29.61% 81.53% 6.60% -6.40% -2.15%
EPS Growth		 -13.61% 30.82% 1.57% -10.31% 45.98% 18.11% -28.00% 82.41% -2.79% -8.09% -1.70%
Operating Cash Flow Growth		 -33.27% 99.94% -12.02% 14.84% 64.44% 12.89% 11.67% 15.16% 23.21% -14.74% -21.01%
Free Cash Flow Firm Growth		 -1,934.14% 104.16% 114.64% -752.49% -58.56% 106.85% 271.47% -49.29% -1,039.96% -104.11% 263.92%
Invested Capital Growth		 62.04% 7.69% 5.87% 24.17% 31.46% 9.11% 2.79% 9.77% 27.40% 34.09% -25.44%
Revenue Q/Q Growth		 4.76% 7.44% 0.86% -3.43% 2.94% 0.69% 1.50% 0.99% 7.49% -2.82% -0.58%
EBITDA Q/Q Growth		 -34.60% 61.54% -0.43% -14.05% 55.87% 4.05% -2.34% 3.82% 6.03% -7.89% 1.56%
EBIT Q/Q Growth		 -38.70% 76.30% -1.38% -15.37% 65.21% 0.93% 0.80% 3.95% 7.70% -8.35% 1.63%
NOPAT Q/Q Growth		 1.61% 15.17% 2.54% -19.05% 42.04% -0.35% 1.20% 4.04% 6.92% -8.04% 2.64%
Net Income Q/Q Growth		 1.61% 15.17% 2.54% -19.05% 42.04% -0.35% 1.20% 4.04% 6.92% -8.04% 2.64%
EPS Q/Q Growth		 -7.01% 18.63% 1.57% -19.07% 32.98% -0.33% 1.89% 3.96% 4.64% -8.57% 2.98%
Operating Cash Flow Q/Q Growth		 -6.12% 9.57% -2.25% 0.40% 31.09% -4.30% 9.21% -2.89% 16.12% -11.70% -10.06%
Free Cash Flow Firm Q/Q Growth		 -2,877.95% 104.50% 291.67% -70.43% 65.91% -96.19% -21.20% 32.14% -376.64% 17.92% 178.20%
Invested Capital Q/Q Growth		 50.56% 2.82% -1.12% 3.41% -21.16% 1.24% 2.31% 2.10% 24.04% 10.76% -12.15%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 34.29% 41.34% 40.13% 39.67% 40.23% 47.20% 34.38% 55.99% 48.63% 43.07% 43.46%
EBIT Margin		 29.56% 36.11% 34.12% 34.59% 35.31% 40.83% 27.91% 48.84% 42.52% 38.49% 39.18%
Profit (Net Income) Margin		 17.30% 21.76% 21.08% 18.10% 25.84% 29.64% 20.71% 35.10% 30.66% 28.08% 29.02%
Tax Burden Percent		 58.52% 60.26% 61.79% 52.32% 73.19% 72.60% 74.20% 71.87% 72.12% 72.96% 74.06%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 41.48% 39.74% 38.21% 47.68% 26.81% 27.40% 25.80% 28.13% 27.88% 27.04% 25.94%
Return on Invested Capital (ROIC)		 6.68% 8.72% 8.36% 6.56% 8.62% 9.78% 6.51% 11.11% 9.95% 7.10% 6.95%
ROIC Less NNEP Spread (ROIC-NNEP)		 6.68% 8.72% 8.36% 6.56% 8.62% 9.78% 6.51% 11.11% 9.95% 7.10% 6.95%
Return on Net Nonoperating Assets (RNNOA)		 1.13% 1.35% 1.29% 1.69% 1.63% 0.84% 0.57% 1.11% 2.30% 3.54% 2.70%
Return on Equity (ROE)		 7.80% 10.07% 9.64% 8.25% 10.25% 10.62% 7.08% 12.22% 12.26% 10.64% 9.65%
Cash Return on Invested Capital (CROIC)		 -40.68% 1.32% 2.65% -15.01% -18.56% 1.07% 3.76% 1.79% -14.15% -22.02% 36.10%
Operating Return on Assets (OROA)		 1.34% 1.79% 1.66% 1.67% 1.68% 1.98% 1.24% 2.01% 1.88% 1.62% 1.58%
Return on Assets (ROA)		 0.78% 1.08% 1.03% 0.87% 1.23% 1.44% 0.92% 1.45% 1.35% 1.18% 1.17%
Return on Common Equity (ROCE)		 7.80% 10.07% 9.64% 8.25% 10.25% 10.62% 7.08% 12.22% 12.26% 10.64% 9.65%
Return on Equity Simple (ROE_SIMPLE)		 6.24% 9.69% 9.39% 8.02% 8.26% 10.16% 7.01% 11.76% 11.99% 10.12% 9.41%
Net Operating Profit after Tax (NOPAT)		 26 44 45 41 68 92 65 118 125 117 115
NOPAT Margin		 17.30% 21.76% 21.08% 18.10% 25.84% 29.64% 20.71% 35.10% 30.66% 28.08% 29.02%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 38.12% 35.46% 37.98% 37.01% 35.53% 34.15% 35.83% 31.73% 31.75% 32.48% 35.51%
Operating Expenses to Revenue		 73.12% 64.98% 68.69% 65.37% 63.72% 59.71% 58.40% 53.18% 52.97% 55.77% 59.14%
Earnings before Interest and Taxes (EBIT)		 45 73 73 78 93 127 87 164 174 161 155
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 52 83 85 89 106 147 108 188 199 180 172
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.07 1.13 1.36 1.46 1.07 1.21 1.03 1.19 1.52 1.19 1.18
Price to Tangible Book Value (P/TBV)		 1.29 1.33 1.60 1.69 1.54 1.66 1.39 1.55 2.20 1.64 1.58
Price to Revenue (P/Rev)		 2.97 2.53 3.06 3.29 3.36 3.54 3.05 3.54 3.90 3.31 3.64
Price to Earnings (P/E)		 17.16 11.62 14.50 18.16 12.99 11.93 14.72 10.08 12.71 11.79 12.56
Dividend Yield		 2.23% 2.32% 2.11% 2.06% 2.40% 2.28% 3.43% 2.51% 2.82% 2.89% 3.02%
Earnings Yield		 5.83% 8.60% 6.90% 5.51% 7.70% 8.38% 6.79% 9.92% 7.87% 8.48% 7.96%
Enterprise Value to Invested Capital (EV/IC)		 0.00 0.53 0.76 1.04 0.81 0.91 0.37 0.47 1.31 1.07 1.05
Enterprise Value to Revenue (EV/Rev)		 0.00 1.36 1.97 3.17 2.77 2.89 1.18 1.57 4.53 4.83 3.76
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 3.30 4.90 7.99 6.89 6.12 3.43 2.80 9.31 11.21 8.65
Enterprise Value to EBIT (EV/EBIT)		 0.00 3.78 5.77 9.16 7.85 7.08 4.22 3.21 10.65 12.54 9.59
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 6.27 9.33 17.51 10.73 9.75 5.69 4.47 14.77 17.19 12.96
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 5.01 8.67 12.82 8.05 8.73 3.21 3.98 11.37 14.53 13.57
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 41.45 29.42 0.00 0.00 89.16 9.87 27.71 0.00 0.00 2.49
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.16 0.15 0.16 0.35 0.09 0.08 0.09 0.11 0.35 0.63 0.16
Long-Term Debt to Equity		 0.13 0.12 0.12 0.11 0.07 0.08 0.06 0.06 0.10 0.09 0.08
Financial Leverage		 0.17 0.15 0.15 0.26 0.19 0.09 0.09 0.10 0.23 0.50 0.39
Leverage Ratio		 9.95 9.35 9.40 9.44 8.34 7.40 7.70 8.44 9.06 8.99 8.23
Compound Leverage Factor		 9.95 9.35 9.40 9.44 8.34 7.40 7.70 8.44 9.06 8.99 8.23
Debt to Total Capital		 13.55% 13.21% 13.45% 26.14% 8.10% 7.71% 8.37% 9.76% 25.89% 38.75% 13.52%
Short-Term Debt to Total Capital		 1.92% 2.37% 3.17% 17.84% 1.76% 0.00% 2.67% 4.52% 18.74% 33.41% 6.35%
Long-Term Debt to Total Capital		 11.63% 10.84% 10.27% 8.30% 6.34% 7.71% 5.71% 5.24% 7.16% 5.34% 7.17%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 86.45% 86.79% 86.55% 73.86% 91.90% 92.29% 91.63% 90.24% 74.11% 61.25% 86.48%
Debt to EBITDA		 1.27 0.83 0.87 2.01 0.69 0.52 0.79 0.58 1.84 4.07 1.11
Net Debt to EBITDA		 -10.53 -2.82 -2.71 -0.30 -1.45 -1.37 -5.44 -3.52 1.30 3.53 0.27
Long-Term Debt to EBITDA		 1.09 0.68 0.66 0.64 0.54 0.52 0.54 0.31 0.51 0.56 0.59
Debt to NOPAT		 2.51 1.57 1.66 4.41 1.07 0.82 1.30 0.92 2.92 6.25 1.66
Net Debt to NOPAT		 -20.88 -5.36 -5.17 -0.65 -2.26 -2.18 -9.03 -5.61 2.06 5.41 0.40
Long-Term Debt to NOPAT		 2.16 1.29 1.26 1.40 0.83 0.82 0.89 0.49 0.81 0.86 0.88
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -159 6.62 14 -93 -147 10 37 19 -178 -364 597
Operating Cash Flow to CapEx		 547.68% 965.77% 521.47% 468.30% 1,235.34% 2,394.74% 4,082.57% 29,184.77% 0.00% 2,842.55% 2,407.44%
Free Cash Flow to Firm to Interest Expense		 -33.99 1.22 2.49 -13.65 -11.43 0.66 3.96 3.44 -18.71 -4.46 4.41
Operating Cash Flow to Interest Expense		 5.86 10.12 8.43 8.15 7.08 6.69 12.14 24.00 17.09 1.70 0.81
Operating Cash Flow Less CapEx to Interest Expense		 4.79 9.07 6.81 6.41 6.50 6.41 11.84 23.92 17.42 1.64 0.78
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.05 0.05 0.05 0.05 0.05 0.05 0.04 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 4.02 4.61 4.61 4.22 3.60 3.52 3.66 4.13 5.42 5.82 5.59
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 484 521 552 685 900 982 1,010 1,108 1,412 1,893 1,412
Invested Capital Turnover		 0.39 0.40 0.40 0.36 0.33 0.33 0.31 0.32 0.32 0.25 0.24
Increase / (Decrease) in Invested Capital		 185 37 31 133 215 82 27 99 304 481 -482
Enterprise Value (EV)		 -97 275 418 710 733 898 369 526 1,852 2,019 1,488
Market Capitalization		 448 509 650 736 887 1,099 954 1,186 1,594 1,384 1,442
Book Value per Share		 $18.41 $19.86 $20.91 $22.05 $27.20 $29.70 $31.08 $33.66 $31.40 $34.86 $36.99
Tangible Book Value per Share		 $15.31 $16.81 $17.81 $19.02 $18.97 $21.69 $23.06 $25.81 $21.76 $25.39 $27.57
Total Capital		 484 521 552 685 900 982 1,010 1,108 1,412 1,893 1,412
Total Debt		 66 69 74 179 73 76 85 108 366 734 191
Total Long-Term Debt		 56 56 57 57 57 76 58 58 101 101 101
Net Debt		 -545 -235 -231 -26 -155 -201 -585 -660 258 635 46
Capital Expenditures (CapEx)		 5.01 5.68 9.25 12 7.37 4.29 2.81 0.45 -3.07 4.89 4.56
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 66 69 74 179 73 76 85 108 366 734 191
Total Depreciation and Amortization (D&A)		 7.15 11 13 11 13 20 20 24 25 19 17
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.47 $1.93 $1.96 $1.77 $2.57 $3.02 $2.17 $3.96 $0.00 $3.53 $3.47
Adjusted Weighted Average Basic Shares Outstanding		 22.74M 22.79M 22.87M 22.96M 30.42M 30.43M 29.73M 29.73M 0.00 33.27M 32.97M
Adjusted Diluted Earnings per Share		 $1.46 $1.91 $1.94 $1.74 $2.54 $3.00 $2.16 $3.94 $0.00 $3.52 $3.46
Adjusted Weighted Average Diluted Shares Outstanding		 22.74M 22.79M 22.87M 22.96M 30.42M 30.43M 29.73M 29.73M 0.00 33.27M 32.97M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $3.02 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 22.74M 22.79M 22.87M 22.96M 30.42M 30.43M 29.73M 29.73M 0.00 33.27M 32.97M
Normalized Net Operating Profit after Tax (NOPAT)		 26 44 45 41 68 92 65 118 125 117 115
Normalized NOPAT Margin		 17.30% 21.76% 21.08% 18.10% 25.84% 29.64% 20.71% 35.10% 30.66% 28.08% 29.02%
Pre Tax Income Margin		 29.56% 36.11% 34.12% 34.59% 35.31% 40.83% 27.91% 48.84% 42.52% 38.49% 39.18%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 9.53 13.43 12.68 11.40 7.25 8.25 9.24 29.72 18.25 1.97 1.15
NOPAT to Interest Expense		 5.58 8.09 7.83 5.97 5.31 5.99 6.85 21.36 13.16 1.44 0.85
EBIT Less CapEx to Interest Expense		 8.46 12.38 11.06 9.66 6.68 7.97 8.94 29.64 18.57 1.91 1.11
NOPAT Less CapEx to Interest Expense		 4.51 7.04 6.22 4.23 4.73 5.71 6.56 21.28 13.48 1.38 0.82
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 29.90% 27.04% 30.56% 37.31% 27.47% 27.15% 40.58% 25.26% 28.54% 33.99% 38.00%
Augmented Payout Ratio		 31.02% 27.98% 34.78% 41.33% 31.11% 29.54% 81.81% 28.96% 50.19% 41.86% 51.53%

Quarterly Metrics And Ratios for TriCo Bancshares

This table displays calculated financial ratios and metrics derived from TriCo Bancshares' official financial filings.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 31.70% 33.02% 28.85% 2.82% -5.14% -10.56% -7.91% -6.21% -4.80% -2.23% 0.11%
EBITDA Growth		 25.04% 25.33% 38.30% -16.71% -17.38% -27.58% -20.31% 7.29% -6.40% 6.52% -6.04%
EBIT Growth		 32.16% 32.21% 73.43% -22.41% -18.28% -28.72% -23.04% 16.95% -6.36% 6.84% -6.36%
NOPAT Growth		 36.16% 28.78% 75.88% -20.64% -18.07% -28.25% -22.56% 16.64% -5.03% 11.35% -4.99%
Net Income Growth		 36.16% 28.78% 75.88% -20.64% -18.07% -28.25% -22.56% 16.64% -5.03% 11.35% -4.99%
EPS Growth		 21.74% 18.09% 59.70% -19.35% -17.86% -29.73% -22.43% 16.00% -4.35% 12.82% -3.61%
Operating Cash Flow Growth		 -12.80% 70.04% 11.80% -53.77% 28.81% -33.50% -35.62% 84.50% -38.12% -33.61% -2.26%
Free Cash Flow Firm Growth		 78.25% -279.43% -81.17% -369.20% -3,383.99% -70.26% 99.01% 123.90% 124.34% 212.18% 7,007.10%
Invested Capital Growth		 4.87% 27.40% 30.42% 34.65% 50.16% 34.09% 1.92% -3.95% -6.00% -25.44% -12.56%
Revenue Q/Q Growth		 8.15% 4.59% -6.80% -2.46% -0.23% -1.39% -4.04% -0.65% 1.27% 1.27% -1.74%
EBITDA Q/Q Growth		 16.22% -0.91% -6.42% -22.71% 15.28% -13.14% 2.98% 4.06% 0.57% -1.16% -9.16%
EBIT Q/Q Growth		 19.42% -0.82% -4.08% -31.71% 25.79% -13.49% 3.57% 3.77% 0.72% -1.30% -9.22%
NOPAT Q/Q Growth		 19.05% -2.66% -1.40% -30.53% 22.89% -14.76% 6.42% 4.63% 0.06% -0.06% -9.20%
Net Income Q/Q Growth		 19.05% -2.66% -1.40% -30.53% 22.89% -14.76% 6.42% 4.63% 0.06% -0.06% -9.20%
EPS Q/Q Growth		 20.43% -0.89% -3.60% -29.91% 22.67% -15.22% 6.41% 4.82% 1.15% 0.00% -9.09%
Operating Cash Flow Q/Q Growth		 -3.87% 53.15% -29.05% -55.74% 167.86% -20.94% -31.31% 26.83% -10.16% -15.18% 1.13%
Free Cash Flow Firm Q/Q Growth		 81.02% -1,623.62% -28.38% -11.70% -40.96% 15.77% 99.25% 2,798.91% 43.58% 288.18% -54.08%
Invested Capital Q/Q Growth		 -3.38% 24.04% 15.11% -2.39% 7.75% 10.76% -12.51% -8.01% 5.45% -12.15% 2.60%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 51.47% 48.76% 48.96% 38.80% 44.83% 39.49% 42.37% 44.38% 44.08% 43.02% 39.77%
EBIT Margin		 46.91% 44.49% 45.79% 32.06% 40.41% 35.46% 38.27% 39.97% 39.75% 38.75% 35.80%
Profit (Net Income) Margin		 34.02% 31.66% 33.50% 23.86% 29.38% 25.40% 28.17% 29.67% 29.31% 28.93% 26.73%
Tax Burden Percent		 72.52% 71.17% 73.16% 74.42% 72.71% 71.63% 73.61% 74.22% 73.74% 74.66% 74.68%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 27.48% 28.83% 26.84% 25.58% 27.29% 28.37% 26.39% 25.78% 26.26% 25.34% 25.32%
Return on Invested Capital (ROIC)		 11.64% 10.28% 10.10% 7.52% 8.88% 6.43% 7.03% 7.69% 7.04% 6.93% 6.82%
ROIC Less NNEP Spread (ROIC-NNEP)		 11.64% 10.28% 10.10% 7.52% 8.88% 6.43% 7.03% 7.69% 7.04% 6.93% 6.82%
Return on Net Nonoperating Assets (RNNOA)		 1.49% 2.38% 3.09% 2.22% 3.39% 3.20% 3.21% 2.86% 3.07% 2.69% 1.94%
Return on Equity (ROE)		 13.13% 12.66% 13.19% 9.74% 12.27% 9.63% 10.24% 10.55% 10.11% 9.62% 8.75%
Cash Return on Invested Capital (CROIC)		 5.80% -14.15% -16.59% -19.81% -31.14% -22.02% 4.76% 11.32% 12.93% 36.10% 20.72%
Operating Return on Assets (OROA)		 1.94% 1.96% 1.99% 1.40% 1.75% 1.49% 1.60% 1.64% 1.61% 1.57% 1.44%
Return on Assets (ROA)		 1.40% 1.40% 1.45% 1.04% 1.27% 1.07% 1.17% 1.22% 1.18% 1.17% 1.08%
Return on Common Equity (ROCE)		 13.13% 12.66% 13.19% 9.74% 12.27% 9.63% 10.24% 10.55% 10.11% 9.62% 8.75%
Return on Equity Simple (ROE_SIMPLE)		 11.84% 0.00% 12.92% 12.30% 11.93% 0.00% 9.40% 9.65% 9.03% 0.00% 9.04%
Net Operating Profit after Tax (NOPAT)		 37 36 36 25 31 26 28 29 29 29 26
NOPAT Margin		 34.02% 31.66% 33.50% 23.86% 29.38% 25.40% 28.17% 29.67% 29.31% 28.93% 26.73%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 30.55% 29.06% 30.44% 33.27% 33.10% 33.17% 34.82% 36.17% 35.87% 35.20% 37.37%
Operating Expenses to Revenue		 49.63% 51.81% 50.29% 58.69% 55.59% 58.71% 57.36% 59.61% 60.02% 59.56% 60.42%
Earnings before Interest and Taxes (EBIT)		 51 51 49 33 42 36 38 39 39 39 35
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 56 56 52 40 47 41 42 43 44 43 39
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.42 1.52 1.22 0.97 0.96 1.19 1.02 1.12 1.14 1.18 1.05
Price to Tangible Book Value (P/TBV)		 2.12 2.20 1.72 1.37 1.37 1.64 1.40 1.52 1.52 1.58 1.39
Price to Revenue (P/Rev)		 3.70 3.90 3.06 2.44 2.39 3.31 2.90 3.26 3.53 3.64 3.33
Price to Earnings (P/E)		 12.00 12.71 9.42 7.92 8.07 11.79 10.85 11.57 12.57 12.56 11.61
Dividend Yield		 2.49% 2.82% 2.89% 3.74% 3.88% 2.89% 4.29% 3.18% 3.02% 3.02% 3.30%
Earnings Yield		 8.33% 7.87% 10.62% 12.63% 12.39% 8.48% 9.22% 8.64% 7.95% 7.96% 8.61%
Enterprise Value to Invested Capital (EV/IC)		 1.15 1.31 1.08 0.91 0.91 1.07 0.96 0.95 0.91 1.05 0.83
Enterprise Value to Revenue (EV/Rev)		 3.44 4.53 4.05 3.30 3.62 4.83 3.90 3.61 3.65 3.76 3.04
Enterprise Value to EBITDA (EV/EBITDA)		 6.98 9.31 8.21 7.01 7.97 11.21 9.42 8.44 8.59 8.65 7.09
Enterprise Value to EBIT (EV/EBIT)		 8.11 10.65 9.00 7.78 8.87 12.54 10.67 9.37 9.53 9.59 7.87
Enterprise Value to NOPAT (EV/NOPAT)		 11.17 14.77 12.43 10.71 12.20 17.19 14.61 12.83 13.00 12.96 10.60
Enterprise Value to Operating Cash Flow (EV/OCF)		 9.34 11.37 10.49 9.79 9.91 14.53 12.77 10.42 11.93 13.57 11.02
Enterprise Value to Free Cash Flow (EV/FCFF)		 20.32 0.00 0.00 0.00 0.00 0.00 20.43 8.27 6.79 2.49 3.74
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.15 0.35 0.49 0.45 0.60 0.63 0.42 0.30 0.30 0.16 0.15
Long-Term Debt to Equity		 0.10 0.10 0.49 0.09 0.09 0.09 0.09 0.09 0.08 0.08 0.08
Financial Leverage		 0.13 0.23 0.31 0.30 0.38 0.50 0.46 0.37 0.44 0.39 0.28
Leverage Ratio		 9.35 9.06 9.08 9.36 9.64 8.99 8.72 8.64 8.54 8.23 8.12
Compound Leverage Factor		 9.35 9.06 9.08 9.36 9.64 8.99 8.72 8.64 8.54 8.23 8.12
Debt to Total Capital		 13.01% 25.89% 32.93% 31.12% 37.38% 38.75% 29.79% 22.90% 22.90% 13.52% 13.32%
Short-Term Debt to Total Capital		 4.13% 18.74% 0.00% 24.75% 31.47% 33.41% 23.69% 16.26% 16.60% 6.35% 6.33%
Long-Term Debt to Total Capital		 8.87% 7.16% 32.93% 6.37% 5.91% 5.34% 6.10% 6.64% 6.30% 7.17% 6.99%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 86.99% 74.11% 67.07% 68.88% 62.62% 61.25% 70.21% 77.10% 77.10% 86.48% 86.68%
Debt to EBITDA		 0.79 1.84 2.51 2.41 3.27 4.07 2.91 2.02 2.17 1.11 1.14
Net Debt to EBITDA		 -0.52 1.30 1.99 1.83 2.70 3.53 2.42 0.83 0.28 0.27 -0.68
Long-Term Debt to EBITDA		 0.54 0.51 2.51 0.49 0.52 0.56 0.60 0.59 0.60 0.59 0.60
Debt to NOPAT		 1.26 2.92 3.80 3.67 5.01 6.25 4.52 3.08 3.29 1.66 1.70
Net Debt to NOPAT		 -0.84 2.06 3.02 2.79 4.14 5.41 3.76 1.25 0.43 0.40 -1.02
Long-Term Debt to NOPAT		 0.86 0.81 3.80 0.75 0.79 0.86 0.93 0.89 0.90 0.88 0.89
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -16 -267 -343 -383 -540 -455 -3.40 92 132 511 234
Operating Cash Flow to CapEx		 3,952.70% 11,159.35% 3,211.46% 851.41% 7,137.71% 3,647.35% 2,439.69% 3,239.31% 2,304.60% 1,854.63% 1,453.11%
Free Cash Flow to Firm to Interest Expense		 -6.86 -65.39 -35.86 -20.66 -22.28 -15.54 -0.10 2.62 3.79 15.59 7.44
Operating Cash Flow to Interest Expense		 15.86 13.43 4.07 0.93 1.90 1.25 0.77 0.91 0.82 0.74 0.78
Operating Cash Flow Less CapEx to Interest Expense		 15.46 13.31 3.94 0.82 1.88 1.21 0.74 0.88 0.79 0.70 0.72
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 5.00 5.42 5.94 5.95 5.93 5.82 5.73 5.63 5.60 5.59 5.60
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 1,138 1,412 1,625 1,587 1,709 1,893 1,657 1,524 1,607 1,412 1,448
Invested Capital Turnover		 0.34 0.32 0.30 0.32 0.30 0.25 0.25 0.26 0.24 0.24 0.26
Increase / (Decrease) in Invested Capital		 53 304 379 408 571 481 31 -63 -103 -482 -208
Enterprise Value (EV)		 1,310 1,852 1,751 1,439 1,558 2,019 1,597 1,455 1,455 1,488 1,203
Market Capitalization		 1,408 1,594 1,327 1,064 1,030 1,384 1,186 1,313 1,407 1,442 1,318
Book Value per Share		 $29.70 $31.40 $32.74 $32.91 $32.18 $34.86 $34.96 $35.42 $37.55 $36.99 $38.08
Tangible Book Value per Share		 $19.91 $21.76 $23.15 $23.34 $22.67 $25.39 $25.52 $25.99 $28.10 $27.57 $28.67
Total Capital		 1,138 1,412 1,625 1,587 1,709 1,893 1,657 1,524 1,607 1,412 1,448
Total Debt		 148 366 535 494 639 734 494 349 368 191 193
Total Long-Term Debt		 101 101 535 101 101 101 101 101 101 101 101
Net Debt		 -98 258 425 375 528 635 411 142 48 46 -115
Capital Expenditures (CapEx)		 0.91 0.49 1.21 2.03 0.65 1.00 1.03 0.98 1.24 1.31 1.69
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 148 366 535 494 639 734 494 349 368 191 193
Total Depreciation and Amortization (D&A)		 5.00 4.90 3.40 7.03 4.60 4.14 4.04 4.32 4.29 4.29 3.92
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.12 $1.12 $1.08 $0.75 $0.92 $0.78 $0.83 $0.88 $0.88 $0.88 $0.80
Adjusted Weighted Average Basic Shares Outstanding		 33.33M 33.30M 33.21M 33.26M 33.27M 33.27M 33.17M 32.99M 33.01M 32.97M 32.86M
Adjusted Diluted Earnings per Share		 $1.12 $1.11 $1.07 $0.75 $0.92 $0.78 $0.83 $0.87 $0.88 $0.88 $0.80
Adjusted Weighted Average Diluted Shares Outstanding		 33.33M 33.30M 33.21M 33.26M 33.27M 33.27M 33.17M 32.99M 33.01M 32.97M 32.86M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 33.33M 33.30M 33.21M 33.26M 33.27M 33.27M 33.17M 32.99M 33.01M 32.97M 32.86M
Normalized Net Operating Profit after Tax (NOPAT)		 37 36 36 25 31 26 28 29 29 29 26
Normalized NOPAT Margin		 34.02% 31.66% 33.50% 23.86% 29.38% 25.40% 28.17% 29.67% 29.31% 28.93% 26.73%
Pre Tax Income Margin		 46.91% 44.49% 45.79% 32.06% 40.41% 35.46% 38.27% 39.97% 39.75% 38.75% 35.80%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 22.78 12.49 5.12 1.80 1.73 1.24 1.15 1.12 1.13 1.19 1.12
NOPAT to Interest Expense		 16.52 8.89 3.74 1.34 1.26 0.89 0.85 0.83 0.84 0.89 0.84
EBIT Less CapEx to Interest Expense		 22.38 12.37 4.99 1.69 1.71 1.21 1.12 1.09 1.10 1.15 1.07
NOPAT Less CapEx to Interest Expense		 16.12 8.77 3.62 1.23 1.23 0.86 0.82 0.80 0.80 0.85 0.78
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 28.33% 28.54% 27.21% 29.72% 31.27% 33.99% 37.42% 36.88% 38.20% 38.00% 38.38%
Augmented Payout Ratio		 51.78% 50.19% 51.87% 39.87% 38.65% 41.86% 42.04% 49.00% 50.51% 51.53% 52.69%

Key Financial Trends

TriCo Bancshares (NASDAQ: TCBK) has demonstrated generally stable financial performance over the past several years, with steady growth in key metrics such as net income, total assets, and shareholder equity. Here is a summary analysis based on the financial statements from Q2 2022 through Q1 2025:

  • Consistent Net Income Growth: The quarterly net income generally increased from about $24.89 million in Q2 2022 to $26.36 million in Q1 2025, highlighting stable profitability with only modest fluctuations.
  • Growing Loan Portfolio: Loans and leases net of allowance grew from approximately $6.0 billion in Q2 2022 to around $6.7 billion in Q1 2025, indicating steady asset growth and lending activity.
  • Increasing Deposits: Total deposits increased significantly, with non-interest bearing and interest-bearing deposits combined reaching over $8.2 billion in Q1 2025 compared to about $8.6 billion in Q2 2022, showing strong customer deposit growth over time.
  • Strong Operating Cash Flows: Net cash from operating activities remained positive and robust each quarter, with $24.5 million in Q1 2025, supporting ongoing operations and investments.
  • Stable Dividend Payouts: Dividends per share remained fairly consistent at about $0.30-$0.33 per quarter, reflecting a steady commitment to returning capital to shareholders.
  • Moderate Increase in Interest Expense: Interest expenses rose slightly, especially in long-term debt costs, which could reflect increased borrowings or interest rate changes; however, net interest income remains healthy.
  • Controlled Provision for Loan Losses: Although the provision for loan losses fluctuated, it remained relatively moderate considering loan portfolio growth, indicating controlled credit risk management.
  • Increasing Other Operating Expenses: Other operating expenses and salaries & benefits have generally increased over the quarters, which could pressure margins if revenue growth does not keep pace.
  • Equity Growth Over Time: Total common equity rose from roughly $1.04 billion in Q2 2022 to about $1.26 billion in Q1 2025, reinforcing a strong capital base.
  • Fluctuating Investment Activities: Investment securities purchases and sales have varied quarter-to-quarter, impacting cash from investing activities and reflecting active portfolio management.

In summary, TriCo Bancshares showcases steady earnings, asset, and deposit growth with strong capital adequacy. The bank maintains positive operating cash flows and disciplined credit loss provisioning, supporting ongoing financial health. Rising operating expenses warrant monitoring, but overall fundamentals suggest a stable and growing regional bank profile.

08/25/25 02:41 PMAI Generated. May Contain Errors.

Frequently Asked Questions About TriCo Bancshares' Financials

When does TriCo Bancshares' financial year end?

According to the most recent income statement we have on file, TriCo Bancshares' fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has TriCo Bancshares' net income changed over the last 10 years?

TriCo Bancshares' net income appears to be on an upward trend, with a most recent value of $114.87 million in 2024, rising from $26.11 million in 2014. The previous period was $117.39 million in 2023. Check out TriCo Bancshares' forecast to explore projected trends and price targets.

How has TriCo Bancshares' revenue changed over the last 10 years?

Over the last 10 years, TriCo Bancshares' total revenue changed from $150.95 million in 2014 to $395.84 million in 2024, a change of 162.2%.

How much debt does TriCo Bancshares have?

TriCo Bancshares' total liabilities were at $8.45 billion at the end of 2024, a 3.4% decrease from 2023, and a 141.6% increase since 2014.

How much cash does TriCo Bancshares have?

In the past 10 years, TriCo Bancshares' cash and equivalents has ranged from $98.70 million in 2023 to $768.42 million in 2021, and is currently $144.96 million as of their latest financial filing in 2024.

How has TriCo Bancshares' book value per share changed over the last 10 years?

Over the last 10 years, TriCo Bancshares' book value per share changed from 18.41 in 2014 to 36.99 in 2024, a change of 100.9%.


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This page (NASDAQ:TCBK) was last updated on 8/25/2025 by MarketBeat.com Staff
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