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TCBK

TriCo Bancshares

TCBK

TriCo Bancshares • NASDAQ
$48.10 ▼ -0.64% (-0.31)
Market Cap $1.56 B
52w High $49.71
52w Low $35.20
Dividend Yield 1.35%
P/E 13.55
Volume 106.09K
Outstanding Shares 32.51M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $136.083M ▲ $58.513M ▼ $34.019M ▲ 24.999% ▲ $1.05 ▲ $50.066M ▲
Q2-2025 $131.608M ▲ $59.288M ▲ $27.542M ▲ 20.927% ▲ $0.84 ▲ $41.293M ▲
Q1-2025 $128.302M ▼ $57.737M ▼ $26.363M ▼ 20.548% ▼ $0.8 ▼ $38.818M ▼
Q4-2024 $131.387M ▼ $58.045M ▲ $29.034M ▼ 22.098% ▲ $0.88 $42.823M ▼
Q3-2024 $132.104M $57.749M $29.051M 21.991% $0.88 $43.444M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $298.937M ▼ $9.879B ▼ $8.575B ▼ $1.304B ▲
Q2-2025 $322.244M ▼ $9.924B ▲ $8.657B ▲ $1.267B ▲
Q1-2025 $2.161B ▲ $9.82B ▲ $8.564B ▲ $1.256B ▲
Q4-2024 $152.793M ▼ $9.674B ▼ $8.453B ▼ $1.221B ▼
Q3-2024 $2.299B $9.824B $8.585B $1.239B

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $34.019M ▲ $45.083M ▲ $55.74M ▲ $-116.271M ▼ $-15.448M ▼ $43.213M ▲
Q2-2025 $27.542M ▲ $29.236M ▲ $-93.295M ▼ $70.077M ▼ $6.018M ▼ $28.208M ▲
Q1-2025 $26.363M ▼ $24.514M ▲ $33.916M ▲ $104.864M ▲ $163.294M ▲ $22.827M ▼
Q4-2024 $29.034M ▼ $24.24M ▼ $-59.953M ▼ $-139.445M ▼ $-175.158M ▼ $22.933M ▼
Q3-2024 $29.051M $28.577M $89.467M $-4.925M $113.556M $27.337M

Revenue by Products

Product Q4-2024Q1-2025Q2-2025Q3-2025
Credit and Debit Card
Credit and Debit Card
 $10.00M ▲$10.00M ▲$10.00M ▲$10.00M ▲
Deposit Account
Deposit Account
 $10.00M ▲$0 ▼$10.00M ▲$10.00M ▲
Excess Mortgage Servicing Rights
Excess Mortgage Servicing Rights
 $0 ▲$0 ▲$0 ▲$0 ▲
Financial Service Other
Financial Service Other
 $0 ▲$0 ▲$0 ▲$0 ▲
Mortgage Banking
Mortgage Banking
 $0 ▲$0 ▲$0 ▲$0 ▲

Five-Year Company Overview

Income Statement

Income Statement TriCo’s revenue has grown steadily over the past five years, but profits have not kept pace. Earnings were strongest a few years ago and have eased down since then, even as the bank gets a bit bigger. That pattern points to margin pressure — likely from higher funding costs, competition for deposits, and normalizing credit costs. Operating results are still solid and fairly consistent, but the trend suggests the bank is working harder to generate the same level of bottom‑line performance it enjoyed at its peak.

Balance Sheet

Balance Sheet The balance sheet looks conservative and gradually stronger over time. Total assets have grown meaningfully versus several years ago, even if they have leveled off more recently. Shareholders’ equity has built up steadily, which is a healthy sign of retained earnings and capital strength. Cash balances have come down from unusually high levels and debt usage briefly spiked and then was pulled back, suggesting the bank has been actively managing liquidity and funding. Overall, it appears reasonably well capitalized with a traditional regional bank profile.

Cash Flow

Cash Flow Cash generation is stable and predictable. Operating cash flow has been consistently positive, and the bank is not heavily investing in physical assets, so free cash flow largely mirrors what comes in from operations. There are no signs of major cash flow stress or big swings that would suggest underlying volatility. This steady cash profile gives management flexibility to support growth, absorb credit cycles, and return capital when appropriate, subject to regulatory considerations.

Competitive Edge

Competitive Edge TriCo operates as a community‑focused regional bank with deep roots in its California markets. Its strength lies in close relationships with individuals, small and mid‑sized businesses, and agricultural clients, where local decision‑making and customized solutions matter. The bank has developed niche expertise in food and agribusiness and offers tailored treasury and lending products that larger, more standardized banks may not match as easily. Against this, it competes with much larger national banks and emerging digital players, and it is geographically concentrated, which ties its fortunes closely to the health of its core regions.

Innovation and R&D

Innovation and R&D TriCo is not a heavy R&D or fintech laboratory, but it has modernized in practical ways. A key step has been partnering with a specialized digital banking provider to overhaul its online and mobile platforms, which has made account opening and everyday digital use faster and more convenient. The bank is layering standard digital features — alerts, mobile deposit, digital wallets, and card controls — on top of its relationship model, and is experimenting with more segmented business banking teams and data‑driven customer insights. Future innovation is likely to come from more partnerships and incremental digital upgrades rather than in‑house breakthrough technology.

Summary

TriCo Bancshares combines a traditional community banking core with measured modernization. Financially, it shows steady growth and solid capital, but with profit margins that have softened from earlier highs, reflecting the tougher rate and competitive environment for regional banks. The balance sheet and cash flow profile appear sound and conservative, providing a base to navigate credit cycles and regulatory changes as it approaches a higher asset tier. Competitively, its edge is local knowledge, strong community ties, and specialized industry focus, supported by improving digital tools. Key uncertainties include regional economic concentration, ongoing margin pressure, and execution as it grows toward a more tightly regulated size while trying to keep its community‑bank feel and service differentiation.

NEWS

November 25, 2025 · 4:18 PM UTC

TriCo Bancshares Announces Quarterly Cash Dividend

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October 23, 2025 · 6:00 AM UTC

TriCo Bancshares Reports Third Quarter 2025 Net Income of $34.0 Million, Diluted EPS of $1.04

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September 12, 2025 · 11:16 AM UTC

Tri Counties Bank Opens Newest Location in the West Portal Neighborhood of San Francisco

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