Zacks Investment Research·Jun 26, 2026
Why TriCo (TCBK) is a Great Dividend Stock Right NowDividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does TriCo (TCBK) have what it takes?
TriCo Bancshares(TCBK)Earnings, Financials & Key Ratios
TCBK•NASDAQ•Banking & Credit
$54.96
14.8× P/E·Price updated Jul 7, 2026
AboutTriCo Bancshares operates as a bank holding company for Tri Counties Bank that provides commercial banking services to individual and corporate customers. The company accepts demand, savings, and time deposits. It also provides small business loans; real estate mortgage loans, such as residential and commercial loans; consumer loans; commercial loans, including agricultural loans; and real estate construction loans. In addition, the company offers treasury management services; and other customary banking services, including safe deposit boxes; and independent financial and broker-dealer services. It operates 61 traditional branches, 7 in-store branches, and 7 loan production offices in 31 counties throughout California. The company was founded in 1975 and is headquartered in Chico, California.Show more
- Net Interest Income$350M+6.0%
- Total Revenue$533M+1.8%
- Net Income$122M+5.8%
- Return on Equity9.54%-1.2%
- Net Interest Margin3.56%+4.4%
- Efficiency Ratio44.13%+1.9%
- ROA1.25%+6.3%
- Equity / Assets13.52%+7.1%
- Book Value per Share40.70+10.8%
TCBK Price & Volume
TriCo Bancshares (TCBK) stock price & volume — 10-year historical chart
Loading chart...
Revenue Growth Rebounds Amidst Persistent Margin Stagnation
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Accelerating
Profitability:Moderate
Financial:Healthy
Cash Flow:Stable
Primary Risk:California agricultural credit concentration
Key Thesis Takeaways
- TriCo Bancshares has demonstrated a notable recovery in top-line performance with 11.0% year-over-year net interest income growth in 2026Q1, yet the bank faces structural headwinds from a stagnant 0.9% net interest margin.
- While the firm maintains a stable capital buffer with an equity-to-assets ratio of 0.13, the heavy reliance on an $8.8 billion investment securities portfolio suggests limited upside in a high-rate environment.
- Investors should monitor the volatility in loan loss provisioning, which spiked to $3.3 million in 2026Q1, as it may indicate underlying credit sensitivity within the bank's concentrated California agricultural and commercial real estate exposures.
Verdict Logic
while the 12.78 forward P/E ratio suggests a reasonable valuation, the persistent 0.9% net interest margin and potential credit risks in the agricultural portfolio warrant a cautious approach.
TCBK Growth Metrics
TriCo Bancshares (TCBK) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years10.16%
5 Years10.95%
3 Years8.98%
TTM-
Profit CAGR
10 Years10.74%
5 Years13.4%
3 Years-1.04%
TTM13.57%
EPS CAGR
10 Years6.86%
5 Years11.43%
3 Years-1.06%
TTM15.16%
Return on Capital
10 Years11.06%
5 Years11.05%
3 Years9.47%
Last Year10.84%
TCBK Recent Earnings
TriCo Bancshares (TCBK) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 9/12 qtrs (90%)●Beat Revenue 2/12 qtrs (20%)
Q2 2026Latest
Apr 23, 2026Metric
Actual
Est
EPS
$1.04+7.2%
$0.97
Rev
$108M-0.0%
$108M
Q2 2026
Mar 2, 2026Metric
Actual
Est
EPS
$1.03
—
Rev
$137M
—
Q1 2026
Jan 22, 2026Metric
Actual
Est
EPS
$1.03+2.0%
$1.01
Rev
$109M+1.1%
$108M
Q4 2025
Oct 23, 2025Metric
Actual
Est
EPS
$1.04+13.0%
$0.92
Rev
$106M-2.4%
$108M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 23, 2026 | $1.04vs $0.97+7.2% | $108Mvs $108M-0.0% |
| Q2 2026 | Mar 2, 2026 | $1.03 | $137M |
| Q1 2026 | Jan 22, 2026 | $1.03vs $1.01+2.0% | $109Mvs $108M+1.1% |
| Q4 2025 | Oct 23, 2025 | $1.04vs $0.92+13.0% | $106Mvs $108M-2.4% |
Based on last 12 quarters of dataView full earnings history →
Latest TCBK News
Recent stock market news and headlines for TriCo Bancshares (TCBK)
GuruFocus·Jun 15, 2026
Tri Counties Bank Helps Low-Income California Taxpayers Secure More Than $1 Million in Tax RefundsTri Counties Bank, in partnership with the Community Action Partnership of Kern (CAPK), San Francisco Housing Development Corporation (SFHDC), United Way of No
Business Wire·Jun 15, 2026
Tri Counties Bank Helps Low-Income California Taxpayers Secure More Than $1 Million in Tax RefundsCHICO, Calif.--(BUSINESS WIRE)--Tri Counties Bank, in partnership with the Community Action Partnership of Kern (CAPK), San Francisco Housing Development Corporation (SFHDC), United Way of Northern California, United Way California Capital Region, United Way Fresno and Madera Counties, and VITA at JEDI (Jefferson Economic Development Institute), announced that its 2026 Volunteer Income Tax Assistance (VITA) program helped more than 600 low-income families across Northern and Central California.
Peers Comparison
Key metrics vs top competitors for TriCo Bancshares (TCBK)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $54.96 | $1.77B | 14.81 | 1.78% | 22.79% | 9.54% | 2.51% | |
| $22.58 | $3.06B | 14.86 | -2.33% | 32.4% | 9.16% | — | |
| $37.65 | $2.78B | 14.32 | -1.58% | 18.26% | 8.36% | — | |
| $67.33 | $2.29B | 11.94 | -0.95% | 24.82% | 10.66% | — | |
| $32.12 | $7.65B | 13.97 | 8.35% | 19.56% | 9.16% | — | |
| $34.67 | $4.97B | 19.59 | 11.71% | 31.14% | 14.2% | — |
Compare TCBK vs Peers
TriCo Bancshares (TCBK) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
TCBK SEC Filings & Documents
TriCo Bancshares (TCBK) SEC filings — annual & quarterly reports (10-K, 10-Q)
8-K Announcements
6Material company update
May 28, 2026·SEC
Material company update
May 26, 2026·SEC
Material company update
Apr 23, 2026·SEC
10-K Annual Reports
310-Q Quarterly Reports
6Get notified when TCBK posts new earnings or crosses analyst targets
Free. No account needed. Unsubscribe any time.
TCBK Frequently Asked Questions
TriCo Bancshares (TCBK) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is TriCo Bancshares growing?
TriCo Bancshares (TCBK) grew revenue by 1.8% over the past year. Growth has been modest.
Is TCBK profitable?
Yes, TriCo Bancshares (TCBK) is profitable, generating $128.9M in net income for fiscal year 2025 (22.8% net margin).
Dividend & Returns
Does TCBK pay dividends?
Yes, TriCo Bancshares (TCBK) pays a dividend with a yield of 2.51%. This makes it attractive for income-focused investors.
What is TCBK's return on equity?
TriCo Bancshares (TCBK) has a return on equity (ROE) of 9.5%. This is below average, suggesting room for improvement.
Industry Metrics
What is TriCo Bancshares's net interest margin?
TriCo Bancshares (TCBK) has a net interest margin (NIM) of 3.6%. This indicates healthy earnings from lending activities.
What is TriCo Bancshares's efficiency ratio?
TriCo Bancshares (TCBK) has an efficiency ratio of 44.1%. This is excellent, indicating strong cost control.