Stocks · Financial Services · Banks - Regional
TriCo Bancshares TCBK
$52.59 +1.53% Close, Oct 2, 2026 · NASDAQ · Market cap $1.69B
Next earnings report: Oct 22, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Earnings beat analyst estimates in each of the last 9 quarters (average surprise over the last four: +6.3%).
- Operating margin widened to 34.5% from 28.9% a year earlier.
- Diluted EPS over the last four quarters was $4.17, up 22.6% year over year.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
Growth47Neutral
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 42%
- EPS growth (TTM, YoY)Top 46%
- FCF growth (TTM, YoY)Top 38%
- Revenue growth, 3-year CAGRBottom 27%
- Revenue growth accelerationTop 37%
Quality73Positive
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 49%
- Gross marginTop 19%
- Operating marginTop 21%
- Cash conversion (OCF / net income)Bottom 40%
- Accruals (lower is better)Bottom 36%
- Net debt / EBITDA (lower is better)Top 26%
- Interest coverTop 34%
Value67Positive
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 38%
- Free-cash-flow yieldTop 49%
- EBITDA / enterprise valueTop 20%
- Sales / enterprise valueTop 45%
- P/E vs own 5-year history (lower is better)Bottom 45%
Momentum53Neutral
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 31%
- 6-month returnTop 41%
- 1-year return vs S&P 500Top 31%
- Distance from 52-week highBottom 34%
- Trend checklist (0–4)Top 48%
Revisions65Positive
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 42%
- Consecutive EPS beatsTop 11%
- Share of analysts rating BuyBottom 30%
- Upside to consensus price targetTop 50%
Stability48Neutral
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 30%
- Maximum drawdown, 3 yearsTop 49%
- Beta vs S&P 500 (lower is better)Bottom 40%
- Net debt / EBITDA (lower is better)Top 26%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 3.3% | 4.3% | ↑ |
| EPS growth (YoY) | 15.2% | 22.6% | ↑ |
| Gross margin | 73.4% | 78.2% | ↑ |
| Operating margin | 28.9% | 34.5% | ↑ |
| FCF margin | 19.4% | 24.9% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 4.3% | 3.3% | ↑ | Bottom 42% |
| EPS growth (TTM, YoY) | 22.6% | 15.2% | ↑ | Top 46% |
| Gross margin | 78.2% | 73.4% | ↑ | Top 19% |
| Operating margin | 34.5% | 28.9% | ↑ | Top 21% |
| Net margin | 24.8% | 21.4% | ↑ | — |
| Free-cash-flow margin | 24.9% | 19.4% | ↑ | — |
| Return on invested capital | 1.4% | — | Top 49% | |
| Revenue growth, 3-year CAGR | 9.0% | — | Bottom 27% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.02×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.0%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.6%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -16.4 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- -0.14×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 1.7×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 2.75%
- Net buyback yield (TTM)
- 2.15%
- Shareholder yield
- 4.90%
- Share count change, 1 year
- -2.5%
- Share count change, 3-year CAGR
- -1.2%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 7, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 9
- Beats in the last 8 reports
- 8 of 8
- Average EPS surprise, last 4
- +6.3%
- Average 2-day reaction, last 8
- +0.8%
- Positive 20 days after report
- 5 of 8
Analysts
- Consensus price target
- $60.75
- Target vs current price
- +15.5%
- Analysts with a rating
- 12
- Share rating Buy or Strong Buy
- 33%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 23, 2026 | +2.9% | -0.4% | -2.7% | -6.2% | — |
| Apr 23, 2026 | +7.2% | +2.7% | +1.5% | +2.5% | +21.2% |
| Jan 22, 2026 | +2.0% | +1.7% | -3.5% | -0.8% | -0.6% |
| Oct 23, 2025 | +13.0% | +1.2% | +3.5% | +6.3% | +14.1% |
| Jul 24, 2025 | +2.4% | -0.0% | -0.5% | +1.9% | -3.0% |
| Apr 24, 2025 | +2.6% | +1.4% | -0.8% | +2.9% | +8.6% |
| Mar 3, 2025 | — | -0.9% | -4.5% | -8.8% | -7.9% |
| Oct 24, 2024 | +8.6% | +0.7% | -0.1% | +6.5% | -1.6% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 23, 2026 | $1.06 | $1.03 | +2.9% | $111.9M |
| Apr 23, 2026 | $1.04 | $0.97 | +7.2% | $108.3M |
| Jan 22, 2026 | $1.03 | $1.01 | +2.0% | $109.4M |
| Oct 23, 2025 | $1.04 | $0.92 | +13.0% | $105.7M |
| Jul 24, 2025 | $0.84 | $0.82 | +2.4% | $101.8M |
| Apr 24, 2025 | $0.80 | $0.78 | +2.6% | $96.8M |
| Mar 3, 2025 | $0.88 | — | — | $131.4M |
| Oct 24, 2024 | $0.88 | $0.81 | +8.6% | $97.4M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 12.6× | 12.2× | 62th | Top 38% |
| P/E (forward) | 12.3× | — | — | — |
| EV / EBITDA | 8.4× | — | — | Top 20% |
| EV / Sales | 3.05× | — | — | Top 45% |
| Free-cash-flow yield | 8.03% | — | — | Top 49% |
| Earnings yield | 7.93% | — | — | Top 38% |
P/E over the past five years
Range 7.4× – 15.3× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +20.5%
- Earnings per share growth (TTM)
- +22.6%
- Change in P/E multiple
- +13.3%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✓ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 2
- 50-day average slope (20 days)
- -2.6%
- 200-day average slope (20 days)
- +1.0%
- Distance from 50-day average
- -4.3%
- Distance from 200-day average
- +1.9%
- RSI (14)
- 45.2
- Relative volume
- 0.90×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 29.1%
- Volatility vs own 5-year history
- 52th percentile · Normal for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.79
- Correlation with S&P 500
- 0.49
- Current drawdown from 1-year high
- -14.7%
- Maximum drawdown, 3 years
- -28.6%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Nov 10, 2022 | May 4, 2023 | -49.5% | 119 days | 798 days (Jul 13, 2026) |
| Mar 12, 2021 | Apr 29, 2022 | -26.7% | 286 days | 117 days (Oct 17, 2022) |
| Jul 16, 2026 | Sep 30, 2026 | -16.9% | 53 days | Not yet recovered |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $1.69B
- P/E (TTM)
- 12.6
- EPS, diluted (TTM)
- $4.17
- Revenue (TTM)
- $545.8M
- Dividend yield
- 2.74%
- 52-week range
- $40.44 – $61.71
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $334.9M | $412.0M | $492.8M | $524.0M | $533.3M |
| Gross profit | $336.2M | $384.0M | $387.1M | $382.1M | $404.5M |
| Operating income | $163.7M | $173.9M | $160.9M | $155.1M | $169.2M |
| Net income | $117.7M | $125.4M | $117.4M | $114.9M | $121.6M |
| EPS (diluted) | $3.94 | $3.83 | $3.52 | $3.47 | $3.71 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $132.1M | $131.4M | $128.3M | $131.6M | $136.1M | $137.3M | $134.9M | $137.5M |
| Net income | $29.1M | $29.0M | $26.4M | $27.5M | $34.0M | $33.6M | $33.7M | $34.2M |
| EPS (diluted) | $0.88 | $0.88 | $0.80 | $0.84 | $1.04 | $1.03 | $1.04 | $1.06 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $132.2M | $162.9M | $138.9M | $109.7M | $133.3M |
| Capital expenditure | -$3.2M | -$3.6M | -$4.9M | -$4.6M | -$5.4M |
| Free cash flow | $129.0M | $159.3M | $134.0M | $105.2M | $127.9M |
| Dividends paid | -$29.7M | -$35.8M | -$39.9M | -$43.6M | -$45.0M |
| Net share buybacks | -$4.3M | -$27.1M | -$9.2M | -$15.5M | -$32.0M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $105.2M
- Total assets
- $9.93B
- Total liabilities
- $8.59B
- Total debt
- $77.1M
- Net debt
- -$28.2M
- Shareholders’ equity
- $1.34B
As of Jun 30, 2026 (filed Aug 7, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Sep 11, 2026 | $0.36 | Sep 25, 2026 |
| Jun 5, 2026 | $0.36 | Jun 26, 2026 |
| Mar 6, 2026 | $0.36 | Mar 20, 2026 |
| Dec 5, 2025 | $0.36 | Dec 19, 2025 |
| Sep 5, 2025 | $0.36 | Sep 19, 2025 |
| Jun 6, 2025 | $0.33 | Jun 20, 2025 |
| Mar 7, 2025 | $0.33 | Mar 21, 2025 |
| Dec 6, 2024 | $0.33 | Dec 20, 2024 |
Short interest
- Shares sold short
- 1,476,674
- Days to cover
- 6.25
- Change vs previous report
- +8.5%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- May 3, 2004
- 2-for-1
- Nov 2, 1998
- 3-for-2
- Oct 16, 1995
- 5-for-4
- Jun 24, 1993
- 28-for-25