📊 TCBK Key Takeaways
Is Trico Bancshares / (TCBK) a Good Investment?
TRICO Bancshares shows modest earnings growth (+5.8% YoY net income) with a conservative capital structure and positive free cash flow, but fundamental profitability metrics are severely concerning. Return on equity of 2.5% and return on assets of 0.3% are critically low for a regional bank, combined with weak interest coverage of 1.4x and apparent data quality issues that undermine analytical confidence.
Trico Bancshares / Key Strengths (TCBK)
- Net income growing 5.8% YoY with EPS growth of 6.9%
- Strong capital position with no long-term debt (0.00x debt-to-equity ratio)
- Positive free cash flow generation of 33.0M despite minimal capital expenditure
TCBK Stock Risks: Trico Bancshares / Investment Risks
- Severely depressed return on equity (2.5%) and return on assets (0.3%) indicate poor asset utilization and profitability
- Interest coverage ratio of 1.4x is dangerously low and suggests limited capacity to service debt obligations
- Significant data quality concerns: revenue of 13.2M for a 9.9B asset bank is implausibly low, and operating/net margins exceeding 100% are financially impossible
- Flat revenue growth (0% YoY) indicates stagnant top-line performance
Key Metrics to Watch
- Net interest margin and yield on earning assets trends
- Return on equity (target >10% for healthy bank)
- Interest coverage ratio improvement
- Asset quality indicators and loan loss provisions
Trico Bancshares / (TCBK) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 250.7% 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 / has mixed fundamental signals 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 |
|---|---|---|---|
| Q1 2026 | $12.7M | $26.4M | $0.80 |
| 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 |
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
❓ Frequently Asked Questions about TCBK
What is the AI rating for TCBK?
Trico Bancshares / (TCBK) has an AI grade of B with 42% confidence, based on fundamental analysis of SEC EDGAR filings.
What are TCBK's key strengths?
Claude: Net income growing 5.8% YoY with EPS growth of 6.9%. Strong capital position with no long-term debt (0.00x debt-to-equity ratio).
What are the risks of investing in TCBK?
Claude: Severely depressed return on equity (2.5%) and return on assets (0.3%) indicate poor asset utilization and profitability. Interest coverage ratio of 1.4x is dangerously low and suggests limited capacity to service debt obligations.
What is TCBK's revenue and growth?
Trico Bancshares / reported revenue of $13.2M.
Does TCBK pay dividends?
Trico Bancshares / pays dividends, with $11.5M 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 $1.04.
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 grade reflects both perspectives for balanced insights.
What is TCBK's fundamental grade?
Based on our AI fundamental analysis in June 2026, Trico Bancshares / has a B grade with 42% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is TCBK stock overvalued or undervalued?
Valuation metrics for TCBK: ROE of 2.5% (sector avg: 12%), net margin of 256.0% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
What is TCBK's AI grade for 2026?
Our dual AI analysis gives Trico Bancshares / a combined B grade 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 $33.7M, with capital expenditures of $712.0K. FCF margin is 250.7%.
How does TCBK compare to other Finance stocks?
Vs Finance sector averages: Net margin 256.0% (avg: 25%), ROE 2.5% (avg: 12%), current ratio N/A (avg: 1.2).