📊 TCBK Key Takeaways
Is Trico Bancshares / (TCBK) a Good Investment?
TCBK shows modest profitability growth (5.8% NI, 6.9% EPS) and strong operational cash flow, but flat revenue growth and data quality anomalies limit conviction. The bank maintains conservative leverage with no long-term debt, though ROE of 9.2% is adequate but not exceptional for the regional banking sector.
Why Buy Trico Bancshares / Stock? TCBK Key Strengths
- Solid EPS growth of 6.9% YoY with net income growth of 5.8%
- Strong operating cash flow generation of $133.3M with minimal capex needs ($5.4M)
- Conservative capital structure with zero long-term debt and reasonable leverage for banking sector
TCBK Stock Risks: Trico Bancshares / Investment Risks
- Stagnant revenue growth at 0.0% YoY indicates minimal top-line expansion
- Severe data anomalies in margin calculations (operating/net/FCF margins exceed 100%) suggest reporting or extraction errors requiring clarification
- Modest ROE of 9.2% indicates below-market returns on shareholder capital; typical regional bank ROE targets exceed 10%
Key Metrics to Watch
- Net Interest Margin (NIM) trend and deposit dynamics
- Non-performing loan ratio and loan loss provisions
- Revenue growth acceleration beyond current 0% baseline
Trico Bancshares / (TCBK) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 239.4% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
TCBK Profit Margin, ROE & Profitability Analysis
TCBK vs Finance Sector: How Trico Bancshares / Compares
How Trico Bancshares / compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Trico Bancshares / Stock Overvalued? TCBK Valuation Analysis 2026
Based on fundamental analysis, Trico Bancshares / appears fundamentally strong relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Trico Bancshares / Balance Sheet: TCBK Debt, Cash & Liquidity
TCBK Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Trico Bancshares /'s revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $3.52 reflects profitable operations.
TCBK Revenue Growth, EPS Growth & YoY Performance
TCBK Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2025 | $12.8M | $29.1M | $0.88 |
| Q2 2025 | $12.8M | $27.5M | $0.84 |
| Q1 2025 | $12.6M | $26.4M | $0.80 |
| Q3 2024 | $12.8M | $29.1M | $0.88 |
| Q2 2024 | $12.8M | $24.9M | $0.75 |
| Q1 2024 | $11.2M | $27.7M | $0.83 |
| Q3 2023 | $12.7M | $30.6M | $0.92 |
| Q2 2023 | $13.0M | $24.9M | $0.75 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Trico Bancshares / Dividends, Buybacks & Capital Allocation
TCBK SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Trico Bancshares / (CIK: 0000356171)
📋 Recent SEC Filings
| Date | Form | Document | Action |
|---|---|---|---|
| Mar 31, 2026 | 4 | xslF345X06/wk-form4_1774975593.xml | View → |
| Mar 31, 2026 | 4 | xslF345X06/wk-form4_1774975587.xml | View → |
| Mar 31, 2026 | 4 | xslF345X06/wk-form4_1774975582.xml | View → |
| Mar 31, 2026 | 4 | xslF345X06/wk-form4_1774975576.xml | View → |
| Mar 31, 2026 | 4 | xslF345X06/wk-form4_1774975570.xml | View → |
❓ Frequently Asked Questions about TCBK
What is the AI rating for TCBK?
Trico Bancshares / (TCBK) has an AI rating of HOLD with 45% confidence, based on fundamental analysis of SEC EDGAR filings.
What are TCBK's key strengths?
Claude: Solid EPS growth of 6.9% YoY with net income growth of 5.8%. Strong operating cash flow generation of $133.3M with minimal capex needs ($5.4M).
What are the risks of investing in TCBK?
Claude: Stagnant revenue growth at 0.0% YoY indicates minimal top-line expansion. Severe data anomalies in margin calculations (operating/net/FCF margins exceed 100%) suggest reporting or extraction errors requiring clarification.
What is TCBK's revenue and growth?
Trico Bancshares / reported revenue of $53.4M.
Does TCBK pay dividends?
Trico Bancshares / pays dividends, with $45.0M distributed to shareholders in the trailing twelve months.
Where can I find TCBK SEC filings?
Official SEC filings for Trico Bancshares / (CIK: 0000356171) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is TCBK's EPS?
Trico Bancshares / has a diluted EPS of $3.70.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is TCBK a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Trico Bancshares / has a HOLD rating with 45% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is TCBK stock overvalued or undervalued?
Valuation metrics for TCBK: ROE of 9.2% (sector avg: 12%), net margin of 227.4% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy TCBK stock in 2026?
Our dual AI analysis gives Trico Bancshares / a combined HOLD rating for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.
What is TCBK's free cash flow?
Trico Bancshares /'s operating cash flow is $133.3M, with capital expenditures of $5.4M. FCF margin is 239.4%.
How does TCBK compare to other Finance stocks?
Vs Finance sector averages: Net margin 227.4% (avg: 25%), ROE 9.2% (avg: 12%), current ratio N/A (avg: 1.2).