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TriCo Bancshares (TCBK) Financials

TriCo Bancshares logo
$50.69 -0.01 (-0.02%)
As of 06/5/2026 04:00 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 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 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 44 45 41 68 92 65 118 125 117 115 122
Consolidated Net Income / (Loss)		 44 45 41 68 92 65 118 125 117 115 122
Net Income / (Loss) Continuing Operations		 44 45 41 68 92 65 118 125 117 115 122
Total Pre-Tax Income 		73 73 78 93 127 87 164 174 161 155 166
Total Revenue		 201 213 224 264 311 313 335 409 418 396 419
Net Interest Income / (Expense)		 156 168 175 215 257 258 272 346 357 331 351
Total Interest Income		 161 174 181 228 272 267 277 356 438 467 471
Loans and Leases Interest Income		 132 141 147 186 224 234 242 285 357 390 397
Investment Securities Interest Income		 29 31 33 40 45 32 34 66 80 72 64
Federal Funds Sold and Securities Borrowed Interest Income		 0.65 1.16 1.35 2.05 3.60 1.24 0.86 4.40 1.31 4.10 9.37
Total Interest Expense		 5.42 5.72 6.80 13 15 9.46 5.51 9.53 82 135 120
Deposits Interest Expense		 3.43 3.48 3.96 7.00 12 6.89 3.32 4.69 55 113 113
Long-Term Debt Interest Expense		 1.98 2.24 2.84 5.88 3.66 2.57 2.19 4.84 27 22 6.42
Total Non-Interest Income		 45 45 49 49 54 55 64 63 61 64 68
Trust Fees by Commissions		 3.35 2.33 2.73 3.15 2.88 2.99 3.67 3.99 4.52 5.57 7.03
Other Service Charges		 36 2.25 2.55 41 3.81 40 48 4.10 53 2.76 60
Net Realized & Unrealized Capital Gains on Investments		 3.06 4.04 4.07 2.58 3.39 9.13 9.58 2.34 0.88 1.49 -1.64
Other Non-Interest Income		 2.79 36 40 2.72 43 2.95 2.78 53 3.15 55 3.40
Provision for Credit Losses		 -2.21 -5.97 0.09 2.58 -1.69 43 -6.78 18 24 6.63 12
Total Non-Interest Expense		 131 146 146 168 185 183 178 217 233 234 241
Salaries and Employee Benefits		 71 81 83 94 106 112 106 130 136 141 150
Other Operating Expenses		 59 65 64 75 79 71 72 87 97 94 91
Income Tax Expense		 29 28 37 25 35 23 46 48 44 40 45
Basic Earnings per Share		 $1.93 $1.96 $1.77 $2.57 $3.02 $2.17 $3.96 $3.85 $3.53 $3.47 $3.72
Weighted Average Basic Shares Outstanding		 22.75M 22.81M 22.91M 30.42M 30.43M 29.73M 29.73M 33.30M 33.27M 32.97M 32.15M
Diluted Earnings per Share		 $1.91 $1.94 $1.74 $2.54 $3.00 $2.16 $3.94 $3.83 $3.52 $3.46 $3.70
Weighted Average Diluted Shares Outstanding		 22.75M 22.81M 22.91M 30.42M 30.43M 29.73M 29.73M 33.30M 33.27M 32.97M 32.15M
Weighted Average Basic & Diluted Shares Outstanding		 22.75M 22.81M 22.91M 30.42M 30.43M 29.73M 29.73M 33.30M 33.27M 32.97M 32.15M
Cash Dividends to Common per Share		 $0.52 $0.60 $0.66 $0.70 $0.82 $0.88 $1.00 $1.10 $1.20 $1.32 $1.38

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 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 31 26 28 29 29 29 26 28 34 34 34
Consolidated Net Income / (Loss)		 31 26 28 29 29 29 26 28 34 34 34
Net Income / (Loss) Continuing Operations		 31 26 28 29 29 29 26 28 34 34 34
Total Pre-Tax Income 		42 36 38 39 39 39 35 38 46 47 46
Total Revenue		 104 103 99 98 99 100 99 104 108 109 108
Net Interest Income / (Expense)		 88 87 83 82 83 84 83 87 90 92 91
Total Interest Income		 112 116 115 117 117 117 114 116 120 120 118
Loans and Leases Interest Income		 92 96 96 98 98 98 95 99 101 102 100
Investment Securities Interest Income		 20 20 19 18 18 17 17 16 16 15 16
Federal Funds Sold and Securities Borrowed Interest Income		 0.33 0.34 0.19 0.88 1.18 1.85 2.06 1.87 2.79 2.65 1.95
Total Interest Expense		 24 29 33 35 35 33 32 30 30 28 27
Deposits Interest Expense		 17 21 24 29 31 30 29 28 29 27 26
Long-Term Debt Interest Expense		 6.88 8.19 9.15 6.01 4.05 2.86 2.67 1.80 1.23 0.72 0.68
Total Non-Interest Income		 16 16 16 16 16 16 16 17 18 17 17
Trust Fees by Commissions		 1.14 1.28 1.13 1.36 1.50 1.58 1.49 1.64 1.93 1.97 2.05
Other Service Charges		 14 38 14 0.54 14 14 1.89 14 3.25 40 14
Net Realized & Unrealized Capital Gains on Investments		 0.38 0.16 0.26 0.34 0.55 0.33 -0.80 0.51 -1.80 0.45 0.41
Other Non-Interest Income		 0.68 -23 0.80 14 0.79 0.84 13 0.84 15 -26 0.82
Provision for Credit Losses		 4.16 5.99 4.31 0.41 0.22 1.70 3.73 4.67 0.67 3.00 3.33
Total Non-Interest Expense		 58 60 57 58 59 60 60 61 60 60 59
Salaries and Employee Benefits		 34 34 34 35 36 35 37 38 38 37 36
Other Operating Expenses		 23 26 22 23 24 24 23 23 23 23 23
Income Tax Expense		 11 10 9.95 10 10 9.85 8.94 10 12 13 12
Basic Earnings per Share		 $0.92 $0.78 $0.83 $0.88 $0.88 $0.88 $0.80 $0.84 $1.04 $1.04 $1.05
Weighted Average Basic Shares Outstanding		 33.27M 33.27M 33.17M 32.99M 33.01M 32.97M 32.86M 32.56M 32.51M 32.15M 31.91M
Diluted Earnings per Share		 $0.92 $0.78 $0.83 $0.87 $0.88 $0.88 $0.80 $0.84 $1.04 $1.02 $1.04
Weighted Average Diluted Shares Outstanding		 33.27M 33.27M 33.17M 32.99M 33.01M 32.97M 32.86M 32.56M 32.51M 32.15M 31.91M
Weighted Average Basic & Diluted Shares Outstanding		 33.27M 33.27M 33.17M 32.99M 33.01M 32.97M 32.86M 32.56M 32.51M 32.15M 31.91M
Cash Dividends to Common per Share		 $0.30 - $0.33 $0.33 $0.33 - $0.33 $0.33 $0.36 - $0.36

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 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 12/31/2025
Net Change in Cash & Equivalents		 -307 2.15 -100 22 49 393 99 -661 -8.53 46 12
Net Cash From Operating Activities		 55 48 55 91 103 115 132 163 139 110 133
Net Cash From Continuing Operating Activities		 55 48 55 91 103 115 132 163 139 110 133
Net Income / (Loss) Continuing Operations		 44 45 41 68 92 65 118 125 117 115 122
Consolidated Net Income / (Loss)		 44 45 41 68 92 65 118 125 117 115 122
Provision For Loan Losses		 -1.38 -5.83 0.25 2.67 -1.79 43 -6.78 18 24 6.63 12
Depreciation Expense		 5.91 6.47 6.79 7.01 6.92 6.45 6.36 6.01 6.37 6.00 6.38
Amortization Expense		 4.62 6.30 4.59 6.01 13 14 18 19 13 11 9.69
Non-Cash Adjustments to Reconcile Net Income		 -0.22 1.80 8.03 -1.10 -7.02 -20 -5.30 -14 -5.37 -5.41 -4.46
Changes in Operating Assets and Liabilities, net		 2.07 -5.34 -4.83 8.16 -0.23 7.43 2.66 7.63 -16 -23 -12
Net Cash From Investing Activities		 -604 -139 -357 -142 -30 -816 -884 -723 29 285 -83
Net Cash From Continuing Investing Activities		 -604 -139 -357 -142 -30 -816 -884 -723 29 285 -83
Purchase of Property, Leasehold Improvements and Equipment		 -5.68 -11 -15 -7.37 -4.29 -2.81 -3.20 -3.62 -4.89 -4.56 -5.36
Purchase of Investment Securities		 -731 -522 -525 -610 -324 -1,074 -1,345 -1,461 -387 -165 -506
Sale and/or Maturity of Investments		 133 235 180 443 298 261 462 308 420 455 429
Net Cash From Financing Activities		 242 93 202 73 -24 1,095 850 -101 -176 -348 -39
Net Cash From Continuing Financing Activities		 242 93 202 73 -24 1,095 850 -101 -176 -348 -39
Net Change in Deposits		 251 103 114 365 0.53 1,139 861 -254 -495 254 176
Issuance of Debt		 3.05 5.17 105 - 2.62 - - - 368 -543 -78
Repayment of Debt		 - - - -271 - 8.46 23 215 0.00 0.00 -60
Repurchase of Common Equity		 -0.41 -1.89 -1.63 -2.48 -2.20 -27 -4.34 -27 -9.24 -16 -32
Payment of Dividends		 -12 -14 -15 -19 -25 -26 -30 -36 -40 -44 -45
Other Financing Activities, Net		 0.59 0.67 0.40 0.22 0.01 0.20 0.14 1.19 0.16 0.17 0.00
Cash Interest Paid		 5.62 5.68 5.61 12 15 11 5.94 9.29 74 132 122
Cash Income Taxes Paid		 24 28 21 15 35 30 46 41 45 34 28

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 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 -7.69 -12 -16 124 114 -175 163 6.02 -15 -142 144
Net Cash From Operating Activities		 46 37 25 32 29 24 25 29 45 34 34
Net Cash From Continuing Operating Activities		 46 37 25 32 29 24 25 29 45 34 34
Net Income / (Loss) Continuing Operations		 31 26 28 29 29 29 26 28 34 34 34
Consolidated Net Income / (Loss)		 31 26 28 29 29 29 26 28 34 34 34
Provision For Loan Losses		 3.27 6.90 4.28 0.34 0.06 1.96 3.73 4.67 0.67 3.00 3.33
Depreciation Expense		 1.64 1.54 1.51 1.49 1.56 1.44 1.55 1.55 1.57 1.70 1.62
Amortization Expense		 2.95 2.60 2.54 2.82 2.72 2.85 2.37 2.44 2.54 2.34 2.27
Non-Cash Adjustments to Reconcile Net Income		 -0.89 -2.55 -2.16 -0.14 -2.49 -0.61 -2.52 -0.80 -2.76 1.61 -2.93
Changes in Operating Assets and Liabilities, net		 8.61 1.95 -8.83 -1.73 -2.32 -10 -6.98 -6.17 9.04 -7.82 -4.27
Net Cash From Investing Activities		 -103 42 60 195 90 -60 34 -93 56 -79 5.13
Net Cash From Continuing Investing Activities		 -103 42 60 195 90 -60 34 -93 56 -79 5.13
Purchase of Property, Leasehold Improvements and Equipment		 -0.65 -1.00 -1.03 -0.98 -1.24 -1.31 -1.69 -1.03 -1.87 -0.78 -0.71
Purchase of Investment Securities		 -193 -88 -7.38 3.49 -11 -150 -66 -157 -125 -158 -49
Sale of Property, Leasehold Improvements and Equipment		 - - - - - - 0.00 - - - 0.02
Sale and/or Maturity of Investments		 90 131 68 193 102 91 102 65 182 80 55
Net Cash From Financing Activities		 50 -91 -101 -103 -4.93 -139 105 70 -116 -97 105
Net Cash From Continuing Financing Activities		 50 -91 -101 -103 -4.93 -139 105 70 -116 -97 105
Net Change in Deposits		 -86 -176 154 63 -13 50 118 170 -41 -71 140
Issuance of Debt		 - 95 -240 - - - 2.10 - - -5.33 -0.26
Repurchase of Common Equity		 -0.03 -0.13 -3.41 -10 -0.07 -1.89 -4.11 -16 -2.50 -9.72 -22
Payment of Dividends		 -9.98 -9.98 -11 -11 -11 -11 -11 -11 -12 -12 -12
Cash Interest Paid		 21 28 31 33 35 33 33 29 32 27 28
Cash Income Taxes Paid		 4.50 5.50 - 21 6.00 6.50 0.00 - 3.00 5.07 2.50

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 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 12/31/2025
Total Assets		 4,221 4,518 4,761 6,352 6,471 7,640 8,615 9,931 9,910 9,674 9,822
Cash and Due from Banks		 303 306 205 228 277 670 768 107 99 145 157
Trading Account Securities		 1,133 1,156 1,250 1,567 1,334 1,424 2,214 2,457 2,155 1,908 1,737
Loans and Leases, Net of Allowance		 2,487 2,727 2,985 3,989 -31 4,671 4,831 6,345 6,673 6,643 6,985
Loans and Leases		 2,523 2,760 3,015 4,022 - 4,763 4,917 6,450 6,794 6,769 7,111
Allowance for Loan and Lease Losses		 36 33 30 33 31 92 85 106 122 125 126
Accrued Investment Income		 11 12 14 19 19 20 19 32 37 35 34
Premises and Equipment, Net		 44 48 58 89 87 84 79 72 71 70 70
Goodwill		 63 64 64 221 221 221 221 304 304 304 304
Intangible Assets		 5.89 6.56 5.17 29 24 18 12 17 11 6.43 4.47
Other Assets		 165 192 173 210 4,541 533 470 597 560 561 530
Total Liabilities & Shareholders' Equity		 4,221 4,518 4,761 6,352 6,471 7,640 8,615 9,931 9,910 9,674 9,822
Total Liabilities		 3,769 4,041 4,256 5,525 5,565 6,714 7,615 8,885 8,750 8,453 8,494
Non-Interest Bearing Deposits		 1,156 1,276 1,368 1,761 1,833 2,582 2,980 3,502 2,723 2,549 2,594
Interest Bearing Deposits		 2,476 2,620 2,641 3,606 3,534 3,924 4,387 4,827 5,111 5,539 5,670
Short-Term Debt		 12 17 122 16 - 27 50 265 633 90 12
Accrued Interest Payable		 0.77 0.82 0.93 2.00 2.41 1.36 0.93 1.17 8.45 12 8.80
Long-Term Debt		 56 57 57 57 76 58 58 101 101 101 41
Other Long-Term Liabilities		 68 70 66 84 120 123 138 189 174 163 168
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		 452 477 506 827 907 925 1,000 1,046 1,160 1,221 1,328
Total Preferred & Common Equity		 452 477 506 827 907 925 1,000 1,046 1,160 1,221 1,328
Preferred Stock		 - - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 452 477 506 827 907 925 1,000 1,046 1,160 1,221 1,328
Common Stock		 248 253 256 542 544 531 532 697 697 693 682
Retained Earnings		 206 232 255 303 368 382 467 543 616 680 740
Accumulated Other Comprehensive Income / (Loss)		 -1.78 -7.91 -5.23 -18 -5.22 12 0.98 -194 -153 -152 -95

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 Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 9,977 9,842 9,853 9,897 9,814 9,741 9,824 9,820 9,924 9,879 9,948
Cash and Due from Banks		 247 110 119 111 83 207 320 308 314 299 301
Trading Account Securities		 2,651 2,561 2,469 2,317 2,078 1,947 1,984 1,857 1,820 1,746 1,772
Loans and Leases, Net of Allowance		 6,213 6,314 6,403 6,593 6,676 6,619 6,560 6,692 6,835 6,882 6,940
Loans and Leases		 6,314 6,422 6,521 6,709 6,801 6,743 6,684 6,821 6,959 7,007 7,068
Allowance for Loan and Lease Losses		 101 108 117 116 124 124 124 128 124 125 128
Accrued Investment Income		 27 31 33 35 36 36 33 33 33 32 33
Premises and Equipment, Net		 73 72 73 72 71 71 70 70 70 71 69
Goodwill		 308 304 304 304 304 304 304 304 304 304 304
Intangible Assets		 18 15 13 12 9.52 8.49 7.46 5.92 5.44 4.95 4.04
Other Assets		 440 6,748 439 454 556 550 544 549 543 540 524
Total Liabilities & Shareholders' Equity		 9,977 9,842 9,853 9,897 9,814 9,741 9,824 9,820 9,924 9,879 9,948
Total Liabilities		 8,987 8,752 8,761 8,827 8,651 8,566 8,585 8,564 8,657 8,575 8,624
Non-Interest Bearing Deposits		 3,678 3,237 3,073 2,858 2,600 2,557 2,548 2,539 2,560 2,544 2,559
Interest Bearing Deposits		 4,978 4,789 5,022 5,152 5,387 5,493 5,489 5,666 5,816 5,790 5,845
Short-Term Debt		 47 - 393 538 392 248 267 92 18 17 11
Accrued Interest Payable		 0.85 1.64 3.66 6.69 10 12 12 9.69 10 8.24 7.76
Long-Term Debt		 101 535 101 101 101 101 101 101 101 41 41
Other Long-Term Liabilities		 182 189 168 171 159 155 168 156 152 174 160
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		 990 1,090 1,093 1,070 1,163 1,175 1,239 1,256 1,267 1,304 1,324
Total Preferred & Common Equity		 990 1,090 1,093 1,070 1,163 1,175 1,239 1,256 1,267 1,304 1,324
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 990 1,090 1,093 1,070 1,163 1,175 1,239 1,256 1,267 1,304 1,324
Common Stock		 696 695 695 696 696 692 693 693 685 686 674
Retained Earnings		 517 565 579 599 631 645 663 693 703 724 750
Accumulated Other Comprehensive Income / (Loss)		 -223 -169 -181 -225 -164 -162 -117 -130 -121 -105 -99

Annual Metrics And Ratios for TriCo Bancshares

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

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 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 12/31/2025
DEI Shares Outstanding		 - - - - - - - - - - 32,511,648.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - - 32,511,648.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - - 3.74
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 33.39% 5.57% 5.41% 18.01% 17.47% 0.75% 7.12% 22.02% 2.21% -5.32% 5.90%
EBITDA Growth		 60.79% 2.48% 4.21% 19.68% 37.81% -26.61% 74.43% 6.00% -9.48% -4.46% 5.92%
EBIT Growth		 62.98% -0.26% 6.88% 20.44% 35.85% -31.12% 87.41% 6.23% -7.48% -3.61% 7.13%
NOPAT Growth		 67.83% 2.27% -9.50% 68.47% 34.77% -29.61% 81.53% 6.60% -6.40% -2.15% 5.82%
Net Income Growth		 67.83% 2.27% -9.50% 68.47% 34.77% -29.61% 81.53% 6.60% -6.40% -2.15% 5.82%
EPS Growth		 30.82% 1.57% -10.31% 45.98% 18.11% -28.00% 82.41% -2.79% -8.09% -1.70% 6.94%
Operating Cash Flow Growth		 99.94% -12.02% 14.84% 64.44% 12.89% 11.67% 15.16% 23.21% -14.74% -21.01% 21.50%
Free Cash Flow Firm Growth		 104.16% 114.64% -752.49% -58.56% 106.85% 271.47% -49.29% -1,039.96% -104.11% 263.92% -74.47%
Invested Capital Growth		 7.69% 5.87% 24.17% 31.46% 9.11% 2.79% 9.77% 27.40% 34.09% -25.44% -2.18%
Revenue Q/Q Growth		 7.44% 0.86% -3.43% 2.94% 0.69% 1.50% 0.99% 7.49% -2.82% -0.58% 2.20%
EBITDA Q/Q Growth		 61.54% -0.43% -14.05% 55.87% 4.05% -2.34% 3.82% 6.03% -7.89% 1.56% 4.26%
EBIT Q/Q Growth		 76.30% -1.38% -15.37% 65.21% 0.93% 0.80% 3.95% 7.70% -8.35% 1.63% 4.85%
NOPAT Q/Q Growth		 15.17% 2.54% -19.05% 42.04% -0.35% 1.20% 4.04% 6.92% -8.04% 2.64% 3.93%
Net Income Q/Q Growth		 15.17% 2.54% -19.05% 42.04% -0.35% 1.20% 4.04% 6.92% -8.04% 2.64% 3.93%
EPS Q/Q Growth		 18.63% 1.57% -19.07% 32.98% -0.33% 1.89% 3.96% 4.64% -8.57% 2.98% 3.93%
Operating Cash Flow Q/Q Growth		 9.57% -2.25% 0.40% 31.09% -4.30% 9.21% -2.89% 16.12% -11.70% -10.06% 8.30%
Free Cash Flow Firm Q/Q Growth		 104.50% 291.67% -70.43% 65.91% -96.19% -21.20% 32.14% -376.64% 17.92% 178.20% -57.85%
Invested Capital Q/Q Growth		 2.82% -1.12% 3.41% -21.16% 1.24% 2.31% 2.10% 24.04% 10.76% -12.15% 1.35%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 41.34% 40.13% 39.67% 40.23% 47.20% 34.38% 55.99% 48.63% 43.07% 43.46% 43.47%
EBIT Margin		 36.11% 34.12% 34.59% 35.31% 40.83% 27.91% 48.84% 42.52% 38.49% 39.18% 39.64%
Profit (Net Income) Margin		 21.76% 21.08% 18.10% 25.84% 29.64% 20.71% 35.10% 30.66% 28.08% 29.02% 29.00%
Tax Burden Percent		 60.26% 61.79% 52.32% 73.19% 72.60% 74.20% 71.87% 72.12% 72.96% 74.06% 73.16%
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		 39.74% 38.21% 47.68% 26.81% 27.40% 25.80% 28.13% 27.88% 27.04% 25.94% 26.84%
Return on Invested Capital (ROIC)		 8.72% 8.36% 6.56% 8.62% 9.78% 6.51% 11.11% 9.95% 7.10% 6.95% 8.71%
ROIC Less NNEP Spread (ROIC-NNEP)		 8.72% 8.36% 6.56% 8.62% 9.78% 6.51% 11.11% 9.95% 7.10% 6.95% 8.71%
Return on Net Nonoperating Assets (RNNOA)		 1.35% 1.29% 1.69% 1.63% 0.84% 0.57% 1.11% 2.30% 3.54% 2.70% 0.83%
Return on Equity (ROE)		 10.07% 9.64% 8.25% 10.25% 10.62% 7.08% 12.22% 12.26% 10.64% 9.65% 9.54%
Cash Return on Invested Capital (CROIC)		 1.32% 2.65% -15.01% -18.56% 1.07% 3.76% 1.79% -14.15% -22.02% 36.10% 10.91%
Operating Return on Assets (OROA)		 1.79% 1.66% 1.67% 1.68% 1.98% 1.24% 2.01% 1.88% 1.62% 1.58% 1.70%
Return on Assets (ROA)		 1.08% 1.03% 0.87% 1.23% 1.44% 0.92% 1.45% 1.35% 1.18% 1.17% 1.25%
Return on Common Equity (ROCE)		 10.07% 9.64% 8.25% 10.25% 10.62% 7.08% 12.22% 12.26% 10.64% 9.65% 9.54%
Return on Equity Simple (ROE_SIMPLE)		 9.69% 9.39% 8.02% 8.26% 10.16% 7.01% 11.76% 11.99% 10.12% 9.41% 9.15%
Net Operating Profit after Tax (NOPAT)		 44 45 41 68 92 65 118 125 117 115 122
NOPAT Margin		 21.76% 21.08% 18.10% 25.84% 29.64% 20.71% 35.10% 30.66% 28.08% 29.02% 29.00%
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		 35.46% 37.98% 37.01% 35.53% 34.15% 35.83% 31.73% 31.75% 32.48% 35.51% 35.73%
Operating Expenses to Revenue		 64.98% 68.69% 65.37% 63.72% 59.71% 58.40% 53.18% 52.97% 55.77% 59.14% 57.48%
Earnings before Interest and Taxes (EBIT)		 73 73 78 93 127 87 164 174 161 155 166
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 83 85 89 106 147 108 188 199 180 172 182
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.13 1.36 1.46 1.07 1.21 1.03 1.19 1.52 1.19 1.18 1.16
Price to Tangible Book Value (P/TBV)		 1.33 1.60 1.69 1.54 1.66 1.39 1.55 2.20 1.64 1.58 1.51
Price to Revenue (P/Rev)		 2.53 3.06 3.29 3.36 3.54 3.05 3.54 3.90 3.31 3.64 3.67
Price to Earnings (P/E)		 11.62 14.50 18.16 12.99 11.93 14.72 10.08 12.71 11.79 12.56 12.67
Dividend Yield		 2.32% 2.11% 2.06% 2.40% 2.28% 3.43% 2.51% 2.82% 2.89% 3.02% 2.91%
Earnings Yield		 8.60% 6.90% 5.51% 7.70% 8.38% 6.79% 9.92% 7.87% 8.48% 7.96% 7.89%
Enterprise Value to Invested Capital (EV/IC)		 0.53 0.76 1.04 0.81 0.91 0.37 0.47 1.31 1.07 1.05 1.04
Enterprise Value to Revenue (EV/Rev)		 1.36 1.97 3.17 2.77 2.89 1.18 1.57 4.53 4.83 3.76 3.43
Enterprise Value to EBITDA (EV/EBITDA)		 3.30 4.90 7.99 6.89 6.12 3.43 2.80 9.31 11.21 8.65 7.88
Enterprise Value to EBIT (EV/EBIT)		 3.78 5.77 9.16 7.85 7.08 4.22 3.21 10.65 12.54 9.59 8.64
Enterprise Value to NOPAT (EV/NOPAT)		 6.27 9.33 17.51 10.73 9.75 5.69 4.47 14.77 17.19 12.96 11.81
Enterprise Value to Operating Cash Flow (EV/OCF)		 5.01 8.67 12.82 8.05 8.73 3.21 3.98 11.37 14.53 13.57 10.77
Enterprise Value to Free Cash Flow (EV/FCFF)		 41.45 29.42 0.00 0.00 89.16 9.87 27.71 0.00 0.00 2.49 9.43
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.15 0.16 0.35 0.09 0.08 0.09 0.11 0.35 0.63 0.16 0.04
Long-Term Debt to Equity		 0.12 0.12 0.11 0.07 0.08 0.06 0.06 0.10 0.09 0.08 0.03
Financial Leverage		 0.15 0.15 0.26 0.19 0.09 0.09 0.10 0.23 0.50 0.39 0.10
Leverage Ratio		 9.35 9.40 9.44 8.34 7.40 7.70 8.44 9.06 8.99 8.23 7.65
Compound Leverage Factor		 9.35 9.40 9.44 8.34 7.40 7.70 8.44 9.06 8.99 8.23 7.65
Debt to Total Capital		 13.21% 13.45% 26.14% 8.10% 7.71% 8.37% 9.76% 25.89% 38.75% 13.52% 3.83%
Short-Term Debt to Total Capital		 2.37% 3.17% 17.84% 1.76% 0.00% 2.67% 4.52% 18.74% 33.41% 6.35% 0.85%
Long-Term Debt to Total Capital		 10.84% 10.27% 8.30% 6.34% 7.71% 5.71% 5.24% 7.16% 5.34% 7.17% 2.99%
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		 86.79% 86.55% 73.86% 91.90% 92.29% 91.63% 90.24% 74.11% 61.25% 86.48% 96.17%
Debt to EBITDA		 0.83 0.87 2.01 0.69 0.52 0.79 0.58 1.84 4.07 1.11 0.29
Net Debt to EBITDA		 -2.82 -2.71 -0.30 -1.45 -1.37 -5.44 -3.52 1.30 3.53 0.27 -0.57
Long-Term Debt to EBITDA		 0.68 0.66 0.64 0.54 0.52 0.54 0.31 0.51 0.56 0.59 0.23
Debt to NOPAT		 1.57 1.66 4.41 1.07 0.82 1.30 0.92 2.92 6.25 1.66 0.44
Net Debt to NOPAT		 -5.36 -5.17 -0.65 -2.26 -2.18 -9.03 -5.61 2.06 5.41 0.40 -0.86
Long-Term Debt to NOPAT		 1.29 1.26 1.40 0.83 0.82 0.89 0.49 0.81 0.86 0.88 0.34
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)		 6.62 14 -93 -147 10 37 19 -178 -364 597 152
Operating Cash Flow to CapEx		 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% 2,485.88%
Free Cash Flow to Firm to Interest Expense		 1.22 2.49 -13.65 -11.43 0.66 3.96 3.44 -18.71 -4.46 4.41 1.27
Operating Cash Flow to Interest Expense		 10.12 8.43 8.15 7.08 6.69 12.14 24.00 17.09 1.70 0.81 1.11
Operating Cash Flow Less CapEx to Interest Expense		 9.07 6.81 6.41 6.50 6.41 11.84 23.92 17.42 1.64 0.78 1.07
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.05 0.05 0.05 0.05 0.05 0.04 0.04 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 4.61 4.61 4.22 3.60 3.52 3.66 4.13 5.42 5.82 5.59 5.99
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 521 552 685 900 982 1,010 1,108 1,412 1,893 1,412 1,381
Invested Capital Turnover		 0.40 0.40 0.36 0.33 0.33 0.31 0.32 0.32 0.25 0.24 0.30
Increase / (Decrease) in Invested Capital		 37 31 133 215 82 27 99 304 481 -482 -31
Enterprise Value (EV)		 275 418 710 733 898 369 526 1,852 2,019 1,488 1,436
Market Capitalization		 509 650 736 887 1,099 954 1,186 1,594 1,384 1,442 1,540
Book Value per Share		 $19.86 $20.91 $22.05 $27.20 $29.70 $31.08 $33.66 $31.40 $34.86 $36.99 $40.85
Tangible Book Value per Share		 $16.81 $17.81 $19.02 $18.97 $21.69 $23.06 $25.81 $21.76 $25.39 $27.57 $31.35
Total Capital		 521 552 685 900 982 1,010 1,108 1,412 1,893 1,412 1,381
Total Debt		 69 74 179 73 76 85 108 366 734 191 53
Total Long-Term Debt		 56 57 57 57 76 58 58 101 101 101 41
Net Debt		 -235 -231 -26 -155 -201 -585 -660 258 635 46 -104
Capital Expenditures (CapEx)		 5.68 9.25 12 7.37 4.29 2.81 0.45 -3.07 4.89 4.56 5.36
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)		 69 74 179 73 76 85 108 366 734 191 53
Total Depreciation and Amortization (D&A)		 11 13 11 13 20 20 24 25 19 17 16
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.93 $1.96 $1.77 $2.57 $3.02 $2.17 $3.96 $0.00 $3.53 $3.47 $3.72
Adjusted Weighted Average Basic Shares Outstanding		 22.79M 22.87M 22.96M 30.42M 30.43M 29.73M 29.73M 0.00 33.27M 32.97M 32.15M
Adjusted Diluted Earnings per Share		 $1.91 $1.94 $1.74 $2.54 $3.00 $2.16 $3.94 $0.00 $3.52 $3.46 $3.70
Adjusted Weighted Average Diluted Shares Outstanding		 22.79M 22.87M 22.96M 30.42M 30.43M 29.73M 29.73M 0.00 33.27M 32.97M 32.15M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $3.02 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 22.79M 22.87M 22.96M 30.42M 30.43M 29.73M 29.73M 0.00 33.27M 32.97M 32.15M
Normalized Net Operating Profit after Tax (NOPAT)		 44 45 41 68 92 65 118 125 117 115 122
Normalized NOPAT Margin		 21.76% 21.08% 18.10% 25.84% 29.64% 20.71% 35.10% 30.66% 28.08% 29.02% 29.00%
Pre Tax Income Margin		 36.11% 34.12% 34.59% 35.31% 40.83% 27.91% 48.84% 42.52% 38.49% 39.18% 39.64%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 13.43 12.68 11.40 7.25 8.25 9.24 29.72 18.25 1.97 1.15 1.39
NOPAT to Interest Expense		 8.09 7.83 5.97 5.31 5.99 6.85 21.36 13.16 1.44 0.85 1.02
EBIT Less CapEx to Interest Expense		 12.38 11.06 9.66 6.68 7.97 8.94 29.64 18.57 1.91 1.11 1.34
NOPAT Less CapEx to Interest Expense		 7.04 6.22 4.23 4.73 5.71 6.56 21.28 13.48 1.38 0.82 0.97
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 27.04% 30.56% 37.31% 27.47% 27.15% 40.58% 25.26% 28.54% 33.99% 38.00% 37.04%
Augmented Payout Ratio		 27.98% 34.78% 41.33% 31.11% 29.54% 81.81% 28.96% 50.19% 41.86% 51.53% 63.41%

Quarterly Metrics And Ratios for TriCo Bancshares

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

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 - - - - - - - - - 32,511,648.00 32,150,632.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - 32,511,648.00 32,150,632.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - 1.03 1.05
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -5.14% -10.56% -7.91% -6.21% -4.80% -2.23% 0.11% 5.87% 8.53% 9.00% 9.78%
EBITDA Growth		 -17.38% -27.58% -20.31% 7.29% -6.40% 6.52% -6.04% -3.74% 15.79% 17.23% 26.90%
EBIT Growth		 -18.28% -28.72% -23.04% 16.95% -6.36% 6.84% -6.36% -3.34% 17.94% 19.77% 29.97%
NOPAT Growth		 -18.07% -28.25% -22.56% 16.64% -5.03% 11.35% -4.99% -5.14% 17.10% 15.84% 27.77%
Net Income Growth		 -18.07% -28.25% -22.56% 16.64% -5.03% 11.35% -4.99% -5.14% 17.10% 15.84% 27.77%
EPS Growth		 -17.86% -29.73% -22.43% 16.00% -4.35% 12.82% -3.61% -3.45% 18.18% 15.91% 30.00%
Operating Cash Flow Growth		 28.81% -33.50% -35.62% 84.50% -38.12% -33.61% -2.26% -8.09% 57.76% 42.16% 37.48%
Free Cash Flow Firm Growth		 -3,383.99% -70.26% 99.01% 123.90% 124.34% 212.18% 7,007.10% 80.77% 111.60% -87.39% -55.05%
Invested Capital Growth		 50.16% 34.09% 1.92% -3.95% -6.00% -25.44% -12.56% -9.06% -15.21% -2.18% -4.95%
Revenue Q/Q Growth		 -0.23% -1.39% -4.04% -0.65% 1.27% 1.27% -1.74% 5.06% 3.82% 1.70% -1.04%
EBITDA Q/Q Growth		 15.28% -13.14% 2.98% 4.06% 0.57% -1.16% -9.16% 6.60% 20.98% 0.07% -1.67%
EBIT Q/Q Growth		 25.79% -13.49% 3.57% 3.77% 0.72% -1.30% -9.22% 7.11% 22.89% 0.23% -1.49%
NOPAT Q/Q Growth		 22.89% -14.76% 6.42% 4.63% 0.06% -0.06% -9.20% 4.47% 23.52% -1.13% 0.15%
Net Income Q/Q Growth		 22.89% -14.76% 6.42% 4.63% 0.06% -0.06% -9.20% 4.47% 23.52% -1.13% 0.15%
EPS Q/Q Growth		 22.67% -15.22% 6.41% 4.82% 1.15% 0.00% -9.09% 5.00% 23.81% -1.92% 1.96%
Operating Cash Flow Q/Q Growth		 167.86% -20.94% -31.31% 26.83% -10.16% -15.18% 1.13% 19.26% 54.20% -23.56% -2.20%
Free Cash Flow Firm Q/Q Growth		 -40.96% 15.77% 99.25% 2,798.91% 43.58% 288.18% -54.08% -29.37% 68.07% -76.87% 63.71%
Invested Capital Q/Q Growth		 7.75% 10.76% -12.51% -8.01% 5.45% -12.15% 2.60% -4.32% -1.68% 1.35% -0.31%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 44.83% 39.49% 42.37% 44.38% 44.08% 43.02% 39.77% 40.35% 47.03% 46.27% 45.97%
EBIT Margin		 40.41% 35.46% 38.27% 39.97% 39.75% 38.75% 35.80% 36.50% 43.20% 42.58% 42.38%
Profit (Net Income) Margin		 29.38% 25.40% 28.17% 29.67% 29.31% 28.93% 26.73% 26.58% 31.63% 30.75% 31.12%
Tax Burden Percent		 72.71% 71.63% 73.61% 74.22% 73.74% 74.66% 74.68% 72.84% 73.21% 72.21% 73.42%
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		 27.29% 28.37% 26.39% 25.78% 26.26% 25.34% 25.32% 27.16% 26.79% 27.79% 26.58%
Return on Invested Capital (ROIC)		 8.88% 6.43% 7.03% 7.69% 7.04% 6.93% 6.82% 7.34% 8.74% 9.23% 9.45%
ROIC Less NNEP Spread (ROIC-NNEP)		 8.88% 6.43% 7.03% 7.69% 7.04% 6.93% 6.82% 7.34% 8.74% 9.23% 9.45%
Return on Net Nonoperating Assets (RNNOA)		 3.39% 3.20% 3.21% 2.86% 3.07% 2.69% 1.94% 1.41% 1.46% 0.88% 0.90%
Return on Equity (ROE)		 12.27% 9.63% 10.24% 10.55% 10.11% 9.62% 8.75% 8.75% 10.20% 10.11% 10.35%
Cash Return on Invested Capital (CROIC)		 -31.14% -22.02% 4.76% 11.32% 12.93% 36.10% 20.72% 17.19% 24.34% 10.91% 14.20%
Operating Return on Assets (OROA)		 1.75% 1.49% 1.60% 1.64% 1.61% 1.57% 1.44% 1.49% 1.80% 1.83% 1.84%
Return on Assets (ROA)		 1.27% 1.07% 1.17% 1.22% 1.18% 1.17% 1.08% 1.09% 1.32% 1.32% 1.35%
Return on Common Equity (ROCE)		 12.27% 9.63% 10.24% 10.55% 10.11% 9.62% 8.75% 8.75% 10.20% 10.11% 10.35%
Return on Equity Simple (ROE_SIMPLE)		 11.93% 0.00% 9.40% 9.65% 9.03% 0.00% 9.04% 8.84% 8.97% 0.00% 9.73%
Net Operating Profit after Tax (NOPAT)		 31 26 28 29 29 29 26 28 34 34 34
NOPAT Margin		 29.38% 25.40% 28.17% 29.67% 29.31% 28.93% 26.73% 26.58% 31.63% 30.75% 31.12%
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		 33.10% 33.17% 34.82% 36.17% 35.87% 35.20% 37.37% 36.95% 35.08% 33.73% 33.39%
Operating Expenses to Revenue		 55.59% 58.71% 57.36% 59.61% 60.02% 59.56% 60.42% 59.00% 56.18% 54.68% 54.55%
Earnings before Interest and Taxes (EBIT)		 42 36 38 39 39 39 35 38 46 47 46
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 47 41 42 43 44 43 39 42 51 51 50
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.96 1.19 1.02 1.12 1.14 1.18 1.05 1.05 1.11 1.16 1.15
Price to Tangible Book Value (P/TBV)		 1.37 1.64 1.40 1.52 1.52 1.58 1.39 1.39 1.45 1.51 1.51
Price to Revenue (P/Rev)		 2.39 3.31 2.90 3.26 3.53 3.64 3.33 3.31 3.53 3.67 3.56
Price to Earnings (P/E)		 8.07 11.79 10.85 11.57 12.57 12.56 11.61 11.88 12.36 12.67 11.86
Dividend Yield		 3.88% 2.89% 4.29% 3.18% 3.02% 3.02% 3.30% 3.26% 3.04% 2.91% 2.97%
Earnings Yield		 12.39% 8.48% 9.22% 8.64% 7.95% 7.96% 8.61% 8.42% 8.09% 7.89% 8.43%
Enterprise Value to Invested Capital (EV/IC)		 0.91 1.07 0.96 0.95 0.91 1.05 0.83 0.82 0.88 1.04 0.93
Enterprise Value to Revenue (EV/Rev)		 3.62 4.83 3.90 3.61 3.65 3.76 3.04 2.83 2.94 3.43 2.98
Enterprise Value to EBITDA (EV/EBITDA)		 7.97 11.21 9.42 8.44 8.59 8.65 7.09 6.76 6.90 7.88 6.64
Enterprise Value to EBIT (EV/EBIT)		 8.87 12.54 10.67 9.37 9.53 9.59 7.87 7.50 7.61 8.64 7.24
Enterprise Value to NOPAT (EV/NOPAT)		 12.20 17.19 14.61 12.83 13.00 12.96 10.60 10.14 10.31 11.81 9.93
Enterprise Value to Operating Cash Flow (EV/OCF)		 9.91 14.53 12.77 10.42 11.93 13.57 11.02 10.65 9.79 10.77 8.98
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 20.43 8.27 6.79 2.49 3.74 4.54 3.34 9.43 6.38
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.60 0.63 0.42 0.30 0.30 0.16 0.15 0.09 0.04 0.04 0.04
Long-Term Debt to Equity		 0.09 0.09 0.09 0.09 0.08 0.08 0.08 0.08 0.03 0.03 0.03
Financial Leverage		 0.38 0.50 0.46 0.37 0.44 0.39 0.28 0.19 0.17 0.10 0.10
Leverage Ratio		 9.64 8.99 8.72 8.64 8.54 8.23 8.12 8.05 7.75 7.65 7.66
Compound Leverage Factor		 9.64 8.99 8.72 8.64 8.54 8.23 8.12 8.05 7.75 7.65 7.66
Debt to Total Capital		 37.38% 38.75% 29.79% 22.90% 22.90% 13.52% 13.32% 8.59% 4.28% 3.83% 3.83%
Short-Term Debt to Total Capital		 31.47% 33.41% 23.69% 16.26% 16.60% 6.35% 6.33% 1.28% 1.25% 0.85% 0.83%
Long-Term Debt to Total Capital		 5.91% 5.34% 6.10% 6.64% 6.30% 7.17% 6.99% 7.31% 3.03% 2.99% 3.00%
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		 62.62% 61.25% 70.21% 77.10% 77.10% 86.48% 86.68% 91.41% 95.72% 96.17% 96.17%
Debt to EBITDA		 3.27 4.07 2.91 2.02 2.17 1.11 1.14 0.71 0.33 0.29 0.27
Net Debt to EBITDA		 2.70 3.53 2.42 0.83 0.28 0.27 -0.68 -1.16 -1.38 -0.57 -1.29
Long-Term Debt to EBITDA		 0.52 0.56 0.60 0.59 0.60 0.59 0.60 0.60 0.24 0.23 0.21
Debt to NOPAT		 5.01 6.25 4.52 3.08 3.29 1.66 1.70 1.06 0.50 0.44 0.41
Net Debt to NOPAT		 4.14 5.41 3.76 1.25 0.43 0.40 -1.02 -1.74 -2.06 -0.86 -1.93
Long-Term Debt to NOPAT		 0.79 0.86 0.93 0.89 0.90 0.88 0.89 0.90 0.35 0.34 0.32
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)		 -540 -455 -3.40 92 132 511 234 166 278 64 105
Operating Cash Flow to CapEx		 7,137.71% 3,647.35% 2,439.69% 3,239.31% 2,304.60% 1,854.63% 1,453.11% 2,843.97% 2,410.86% 4,435.01% 4,835.29%
Free Cash Flow to Firm to Interest Expense		 -22.28 -15.54 -0.10 2.62 3.79 15.59 7.44 5.55 9.15 2.31 3.96
Operating Cash Flow to Interest Expense		 1.90 1.25 0.77 0.91 0.82 0.74 0.78 0.98 1.48 1.23 1.27
Operating Cash Flow Less CapEx to Interest Expense		 1.88 1.21 0.74 0.88 0.79 0.70 0.72 0.95 1.42 1.21 1.24
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		 5.93 5.82 5.73 5.63 5.60 5.59 5.60 5.71 5.82 5.99 6.15
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 1,709 1,893 1,657 1,524 1,607 1,412 1,448 1,386 1,363 1,381 1,377
Invested Capital Turnover		 0.30 0.25 0.25 0.26 0.24 0.24 0.26 0.28 0.28 0.30 0.30
Increase / (Decrease) in Invested Capital		 571 481 31 -63 -103 -482 -208 -138 -244 -31 -72
Enterprise Value (EV)		 1,558 2,019 1,597 1,455 1,455 1,488 1,203 1,135 1,205 1,436 1,280
Market Capitalization		 1,030 1,384 1,186 1,313 1,407 1,442 1,318 1,330 1,446 1,540 1,528
Book Value per Share		 $32.18 $34.86 $34.96 $35.42 $37.55 $36.99 $38.08 $38.55 $40.06 $40.85 $41.18
Tangible Book Value per Share		 $22.67 $25.39 $25.52 $25.99 $28.10 $27.57 $28.67 $29.12 $30.56 $31.35 $31.59
Total Capital		 1,709 1,893 1,657 1,524 1,607 1,412 1,448 1,386 1,363 1,381 1,377
Total Debt		 639 734 494 349 368 191 193 119 58 53 53
Total Long-Term Debt		 101 101 101 101 101 101 101 101 41 41 41
Net Debt		 528 635 411 142 48 46 -115 -195 -241 -104 -249
Capital Expenditures (CapEx)		 0.65 1.00 1.03 0.98 1.24 1.31 1.69 1.03 1.87 0.78 0.70
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)		 639 734 494 349 368 191 193 119 58 53 53
Total Depreciation and Amortization (D&A)		 4.60 4.14 4.04 4.32 4.29 4.29 3.92 4.00 4.11 4.04 3.89
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.92 $0.78 $0.83 $0.88 $0.88 $0.88 $0.80 $0.84 $1.04 $1.04 $1.05
Adjusted Weighted Average Basic Shares Outstanding		 33.27M 33.27M 33.17M 32.99M 33.01M 32.97M 32.86M 32.56M 32.51M 32.15M 31.91M
Adjusted Diluted Earnings per Share		 $0.92 $0.78 $0.83 $0.87 $0.88 $0.88 $0.80 $0.84 $1.04 $1.02 $1.04
Adjusted Weighted Average Diluted Shares Outstanding		 33.27M 33.27M 33.17M 32.99M 33.01M 32.97M 32.86M 32.56M 32.51M 32.15M 31.91M
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		 33.27M 33.27M 33.17M 32.99M 33.01M 32.97M 32.86M 32.56M 32.51M 32.15M 31.91M
Normalized Net Operating Profit after Tax (NOPAT)		 31 26 28 29 29 29 26 28 34 34 34
Normalized NOPAT Margin		 29.38% 25.40% 28.17% 29.67% 29.31% 28.93% 26.73% 26.58% 31.63% 30.75% 31.12%
Pre Tax Income Margin		 40.41% 35.46% 38.27% 39.97% 39.75% 38.75% 35.80% 36.50% 43.20% 42.58% 42.38%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 1.73 1.24 1.15 1.12 1.13 1.19 1.12 1.27 1.53 1.67 1.72
NOPAT to Interest Expense		 1.26 0.89 0.85 0.83 0.84 0.89 0.84 0.92 1.12 1.20 1.27
EBIT Less CapEx to Interest Expense		 1.71 1.21 1.12 1.09 1.10 1.15 1.07 1.23 1.47 1.64 1.70
NOPAT Less CapEx to Interest Expense		 1.23 0.86 0.82 0.80 0.80 0.85 0.78 0.89 1.06 1.18 1.24
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 31.27% 33.99% 37.42% 36.88% 38.20% 38.00% 38.38% 38.77% 37.83% 37.04% 35.46%
Augmented Payout Ratio		 38.65% 41.86% 42.04% 49.00% 50.51% 51.53% 52.69% 58.22% 58.54% 63.41% 74.53%

Financials Breakdown Chart

Key Financial Trends

TriCo Bancshares (NASDAQ: TCBK) continued to post solid profitability in Q1 2026, but the longer-term picture shows a bank that has grown loans and deposits while dealing with swings in funding costs, fee income, and balance-sheet mix. Over the last several years, earnings have remained generally resilient, although deposit trends and noninterest income have been less consistent.

  • Q1 2026 net income was $33.7 million, up slightly from $33.6 million in Q4 2025 and $34.0 million in Q3 2025, showing stable bottom-line performance.
  • Revenue remained steady at $108.3 million in Q1 2026, compared with $109.4 million in Q4 2025 and $107.6 million in Q3 2025.
  • Net interest income improved to $91.2 million in Q1 2026, after $89.6 million in Q3 2025, suggesting some recovery in core spread income.
  • Noninterest income strengthened to $17.0 million in Q1 2026, helped by service charges and trust fees.
  • Operating cash flow was healthy at $33.7 million in Q1 2026, indicating the earnings base is still converting into cash.
  • Deposits rebounded in Q1 2026, with a net increase of $139.7 million after declines in Q4 2025 and Q3 2025.
  • Loan growth has been steady over the past year, with loans and leases rising to $7.07 billion in Q1 2026 from $6.69 billion in Q1 2025.
  • Credit costs have been manageable, with the Q1 2026 provision for credit losses at $3.3 million, up from $670,000 in Q3 2025 but still not alarmingly high for a bank this size.
  • Shares outstanding have been fairly stable, with Q1 2026 basic shares at 31.9 million versus 32.9 million a year earlier, so dilution has not been a major issue.
  • Funding costs remain elevated, as deposits interest expense was $25.9 million in Q1 2026, which continues to pressure margins.
  • Noninterest income is still lumpy, as Q4 2025 included a very large $40.3 million other service charges line that normalized sharply in Q1 2026.
  • The balance sheet is still liability-heavy, with total liabilities of $8.62 billion against equity of $1.32 billion, which is typical for a bank but leaves less room if credit conditions weaken.

Longer-term trend: since 2023, TriCo Bancshares has generally maintained profitable quarters in the high-$20 million to mid-$30 million range, even as interest rates, deposit flows, and fee income have shifted. Loans have expanded meaningfully, deposits have been volatile quarter to quarter, and book equity has gradually improved from about $1.09 billion in Q2 2022 to $1.32 billion in Q1 2026.

Bottom line: TCBK looks like a consistently profitable regional bank with decent cash generation and improving loan balances, but investors should keep an eye on deposit stability, margin pressure, and the inconsistency of noninterest income.

06/06/26 09:46 PM ETAI Generated. May Contain Errors.

TriCo Bancshares Financials - Frequently Asked Questions

According to the most recent income statement we have on file, TriCo Bancshares' fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

TriCo Bancshares' net income appears to be on an upward trend, with a most recent value of $121.56 million in 2025, rising from $43.82 million in 2015. The previous period was $114.87 million in 2024. See where experts think TriCo Bancshares is headed by visiting TriCo Bancshares' forecast page.

Over the last 10 years, TriCo Bancshares' total revenue changed from $201.35 million in 2015 to $419.18 million in 2025, a change of 108.2%.

TriCo Bancshares' total liabilities were at $8.49 billion at the end of 2025, a 0.5% increase from 2024, and a 125.4% increase since 2015.

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 $157.01 million as of their latest financial filing in 2025.

Over the last 10 years, TriCo Bancshares' book value per share changed from 19.86 in 2015 to 40.85 in 2025, a change of 105.7%.


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Financial statements for NASDAQ:TCBK last updated on 5/12/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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