TriCo Bancshares logo TCBK - TriCo Bancshares

Price: -- -- | CONSENSUS: Buy DETAILS
STRONG
BUY
0
BUY 6
HOLD 6
SELL 0
STRONG
SELL
0
| PRICE TARGET: $57.33 DETAILS
HIGH: $63.00
LOW: $54.00
MEDIAN: $55.00
CONSENSUS: $57.33
UPSIDE: 13.12%
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Revenue
Revenue 533.3 524.0 492.8 412.0 334.9 317.2 320.8 272.4 226.8 213.3 202.6 152.6 140.9 144.3 136.3 137.3 142.7 148.2 154.9 146.6 123.6 109.7 96.9 83.9 88.4 91.3 80.7 78 69.5 55.8 51.9 48.3 42.4
Cost of Revenue 128.8 141.8 105.7 28.0 (1.3) 52.3 13.7 15.5 6.9 (0.2) 3.2 0.6 4.0 16.8 33.3 51.6 52.1 52.5 43.6 35.7 22.7 16.9 14.3 15.7 27.9 33.5 28 29.5 27 20 18.3 16 14.1
Gross Profit 404.5 382.1 387.1 384.0 336.2 264.9 307.1 257.0 219.9 213.5 199.4 152.0 136.9 127.5 103.0 85.7 90.6 95.7 111.2 110.8 100.9 92.8 82.5 68.2 60.5 57.8 52.7 48.5 42.5 35.8 33.6 32.3 28.3
Operating Expenses
R&D Expenses 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
SG&A Expenses 173.3 160.8 144.6 136.7 111.8 116.5 112.9 100.4 88.7 86.7 78.0 62.1 56.2 55.2 49.3 40.1 39.8 38.1 38.1 36.5 33.9 33.2 29.7 24.3 21.4 19.9 17.8 16.8 15.7 12 10.8 10.6 7.9
Other Expenses 62.0 66.2 81.6 73.5 60.6 61.0 67.4 63.2 53.7 54.3 48.7 45.3 35.0 40.4 23.9 37.1 35.6 30.6 30.8 30.3 28.2 27.0 25.8 21.7 19.4 18.0 17 17.9 17.2 11.5 10.9 11.4 9.7
Operating Expenses 235.4 227.0 226.2 210.1 172.5 177.6 180.3 163.6 142.4 141.0 126.7 107.4 91.1 95.6 73.2 77.2 75.5 68.7 68.9 66.7 62.1 60.2 55.5 46.0 40.8 37.9 34.8 34.7 32.9 23.5 21.7 22 17.6
Operating Income
Operating Income 169.2 155.1 160.9 173.9 163.7 87.3 126.8 93.4 77.5 72.5 72.7 44.6 45.8 31.9 29.8 8.5 15.1 27.0 42.3 44.1 38.8 32.6 27.0 22.2 19.7 19.9 17.9 13.8 9.6 12.3 11.9 10.3 10.7
Interest Expense 119.7 135.2 81.7 9.5 5.5 9.5 15.4 12.9 6.8 5.7 5.4 4.7 4.7 7.3 10.2 14.1 20.6 31.6 40.6 34.4 20.5 13.4 13.1 12.9 23.5 28.5 24.4 25.3 24 19.2 18 15.7 12.3
Interest Income 469.4 465.1 437.1 354.7 276.1 266.4 271.2 226.5 181.4 171.5 159.3 121.1 106.6 108.6 103.0 104.6 112.3 121.1 127.3 120.3 98.8 84.9 74.0 64.7 73.4 76.7 68.6 65.1 59.9 49.2 46 43.3 36.5
Profitability
EBITDA 182.8 171.2 179.8 192.3 181.0 105.0 144.1 103.9 85.8 80.4 79.8 50.8 50.6 36.4 33.3 12.3 18.9 30.9 47.2 50.1 45.9 40.0 36.1 28.3 23.4 23.8 22.4 18 13.6 14.3 13.6 12.5 11.6
EBIT 169.2 155.1 160.9 173.9 163.7 87.4 126.9 93.4 77.7 72.5 72.7 44.6 45.8 31.9 29.8 8.5 15.1 27.0 42.3 44.1 38.8 32.6 27.0 22.2 19.7 19.9 17.9 13.8 9.6 12.3 11.9 10.3 10.7
Income Before Tax 166.2 155.1 160.9 173.9 163.7 87.3 126.8 93.4 77.5 72.5 72.7 44.6 45.8 31.9 29.8 8.5 15.1 27.0 42.3 44.1 38.8 32.6 27.0 22.2 19.7 19.9 17.9 13.8 9.6 12.3 11.9 10.3 10.7
Income Tax Expense 44.6 40.2 43.5 48.5 46.0 22.5 34.8 25.0 37.0 27.7 28.9 18.5 18.4 12.9 11.2 2.5 5.2 10.2 16.6 17.3 15.2 12.5 10.1 8.1 7.3 7.2 6.5 5 3.7 5 4.9 4.4 4.4
Net Income 121.6 114.9 117.4 125.4 117.7 64.8 92.1 68.3 40.6 44.8 43.8 26.1 27.4 19.0 18.6 6.0 10.0 16.8 25.7 26.8 23.7 20.2 16.9 14.1 12.4 12.6 11.4 8.8 5.9 7.3 7 5.9 6.3
Per Share Data
EPS (Basic) 3.73 3.48 3.53 3.85 3.96 2.17 3.02 2.57 1.77 1.96 1.93 1.47 1.71 1.19 0.41 0.38 0.63 1.07 1.62 1.70 1.51 1.29 1.11 1.00 0.88 0.44 0.80 0.63 0.14 0.18 0.17 0.11 0.13
EPS (Diluted) 3.71 3.47 3.52 3.83 3.94 2.16 3.00 2.54 1.74 1.94 1.91 1.46 1.69 1.18 0.41 0.38 0.62 1.05 1.57 1.64 1.45 1.24 1.07 0.98 0.86 0.43 0.78 0.61 0.14 0.17 0.16 0.11 0.13
Shares Outstanding 32.4 33.1 33.3 33.3 29.7 29.9 30.5 30.4 22.9 22.8 22.8 17.7 16.0 16.0 15.9 15.9 15.8 15.8 15.9 15.8 15.7 15.6 15.3 14.0 14.1 14.4 14.2 14.1 14.0 13.9 13.4 13.2 11.2
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2009 2008 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Current Assets
Cash & Cash Equivalents 157.0 145.0 98.7 107.2 768.4 669.6 276.5 227.5 205.4 305.6 61.0 86.4 70.0 80.6 67.2 59.3 58.2 52 50.5 63.5 52.2 65.3 39.7 33.9
Short-Term Investments 0 7.8 2,152.5 2,455.0 2,210.9 1,417.3 950.1 1,117.9 730.9 550.2 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Net Receivables 33.7 41.6 45.0 39.6 25.9 23.8 20.2 19.4 13.8 14.1 7.8 7.9 6.5 6.0 5.6 5.5 6.9 6.1 5.8 5.7 4.6 4.6 4.7 3.4
Inventory 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Assets 0 0 0 0 0 (3.8) (1.3) 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total Current Assets 190.7 194.4 2,296.2 2,599.2 3,002.2 2,103.8 1,245.5 1,362.0 950.1 879.5 68.8 94.3 76.5 86.6 72.8 64.8 65.1 58.1 56.3 69.2 56.8 69.9 44.4 37.3
Non-Current Assets
Property, Plant & Equipment 95.2 93.8 97.5 99.2 104.4 111.6 115.0 89.3 57.7 48.4 18.7 18.8 19.9 19.5 17.2 16.5 16.8 16.8 17.5 22 17.3 13.8 15.3 13.2
Goodwill 304.4 304.4 304.4 304.4 220.9 220.9 220.9 221.0 64.3 64.3 15.5 15.5 0 0 0 0 0 0 0 0 0 0 0 0
Intangible Assets 4.5 6.4 10.6 16.7 12.4 17.8 23.6 29.3 11.9 15.2 4.4 0.7 20.9 21.6 4.0 5.1 5.5 6.1 0 5.7 0 0 0 0
Long-Term Investments 8,830.4 8,648.6 6,801.3 6,502.5 5,030.8 4,961.4 4,659.3 4,440.9 3,507.2 3,355.7 1,676.4 1,829.8 1,451.2 1,283.9 1,011.2 870.3 857.8 808.6 803.9 709.1 603.2 506.3 520 456.5
Other Non-Current Assets 396.8 426.0 400.1 409.0 244.1 220.3 205.7 209.9 142.5 118.7 386.7 84.1 59.0 57.1 39.3 48.9 26.9 34.9 26.9 17 17.6 13.6 14.1 9.3
Total Non-Current Assets 9,631.4 9,479.3 7,613.9 7,331.7 5,612.6 5,531.9 5,224.4 4,990.5 3,805.3 3,638.5 2,101.7 1,948.9 1,551.0 1,382.1 1,071.8 940.7 906.9 866.7 848.3 757 638.1 533.7 549.4 479
Total Assets 9,822.1 9,673.7 9,910.1 9,931.0 8,614.8 7,639.5 6,471.2 6,352.4 4,761.3 4,518.0 2,170.5 2,043.2 1,626.0 1,468.8 1,144.6 1,005.4 972.1 924.8 904.6 826.2 694.9 603.6 593.8 516.3
Current Liabilities
Account Payables 8.8 11.5 8.4 1.2 0.9 1.4 2.4 2.0 0.9 0.8 3.6 6.1 3.3 2.6 2.9 3.5 14.5 4.2 3.9 4 3 3.2 1.8 1.5
Short-Term Debt 0 0 32.6 47.9 50.1 26.9 18.5 15.8 17.4 17.5 66.8 102.0 46.4 39.5 0 0 0.5 0 14 15.3 4.9 0 0 0
Deferred Revenue 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Liabilities 8,263.9 8,087.6 7,834.0 8,329.0 7,367.2 6,505.9 5,367.0 5,366.5 4,009.1 3,895.6 1,828.5 1,669.3 1,348.8 1,236.8 1,005.2 880.4 837.8 794.1 769.2 724.1 595.6 516.2 491.2 462.2
Total Current Liabilities 8,272.7 8,099.1 7,875.1 8,378.1 7,418.2 6,534.2 5,387.9 5,384.3 4,034.1 3,921.7 1,902.5 1,783.6 1,401.8 1,281.6 1,011.1 887.4 858.1 798.3 791 743.4 606.5 522.6 494.8 465.2
Non-Current Liabilities
Long-Term Debt 53.0 190.8 733.7 365.6 108.2 84.5 75.7 72.9 179.0 74.2 41.2 41.2 69.4 43.5 22.9 23.0 34.0 45.5 37.9 11.4 24.3 26.3 49 7.1
Deferred Tax Liabilities 0 0 0 0 0 0 0 0 8.4 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Non-Current Liabilities 141.1 137.5 113.4 111.8 62.0 67.7 73.5 67.9 41.1 44.0 26.1 20.5 18.2 15.7 11.5 8.2 (5.2) 7.9 3.7 6.3 3.3 1.5 1.8 2.2
Total Non-Current Liabilities 221.4 353.7 875.3 506.5 196.4 180.2 176.8 140.8 221.4 118.9 67.4 61.7 87.6 59.2 34.5 31.1 28.7 53.4 41.6 17.7 27.6 27.8 50.8 9.3
Total Liabilities 8,494.1 8,452.8 8,750.4 8,884.6 7,614.6 6,714.4 5,564.6 5,525.1 4,255.5 4,040.6 1,969.9 1,845.3 1,487.8 1,340.8 1,045.6 918.5 886.8 851.7 832.6 761.1 634.1 550.4 545.6 474.5
Stockholders' Equity
Common Stock 682.4 693.5 697.3 697.4 532.2 530.8 544.0 541.8 255.8 252.8 0 0 70.7 69.8 50.5 49.7 50.4 50 0 0 0 0 0 0
Retained Earnings 740.2 679.9 615.5 542.9 467.0 382.0 367.8 303.5 255.2 232.4 118.9 117.6 67.8 56.4 46.2 37.9 35.1 28.6 22.3 17 14.1 9.5 4.5 (1.3)
Accumulated Other Comprehensive Income (94.6) (152.5) (153.2) (193.9) 1.0 12.3 (5.2) (559.6) (261.1) (260.7) 2.3 2.1 (0.4) 1.8 2.3 (0.7) (0.3) (5.5) 0 0 (1) (0.7) (3.7) 0
Total Stockholders' Equity 1,328.0 1,220.9 1,159.7 1,046.4 1,000.2 925.1 906.6 827.4 505.8 477.3 200.6 197.9 138.1 128.0 99.0 86.9 85.2 73.1 72 65.1 60.8 53.2 48.2 41.8
Total Liabilities & Equity 9,822.1 9,673.7 9,910.1 9,931.0 8,614.8 7,639.5 6,471.2 6,352.4 4,761.3 4,518.0 2,170.5 2,043.2 1,626.0 1,468.8 1,144.6 1,005.4 972.1 924.8 904.6 826.2 694.9 603.6 593.8 516.3
Debt Metrics
Total Debt 80.2 216.2 794.5 442.6 184.5 139.4 121.7 88.7 196.5 91.7 108.0 143.2 115.8 83.0 22.9 23.0 34.5 45.5 51.9 26.7 29.2 26.3 49 7.1
Net Debt (76.8) 71.3 695.8 335.3 (583.9) (530.1) (154.8) (138.8) (9.0) (214.0) 47.0 56.9 45.8 2.4 (44.2) (36.3) (23.7) (6.5) 1.4 (36.8) (23) (39) 9.3 (26.8)
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Operating Activities
Net Income 121.6 114.9 117.4 125.4 117.7 64.8 92.1 68.3 40.6 44.8 23.7 20.2 16.9 14.1 12.4 12.6 11.4 8.8 5.9 7.3 7 5.9 6.3
Depreciation & Amortization 0 16.1 18.8 18.4 17.3 17.6 17.2 10.5 8.2 7.9 7.1 7.3 9.1 6.1 3.6 3.9 4.5 4.2 4 2 1.7 2.2 0.9
Stock-Based Compensation 0 4.7 4.1 3.9 2.6 2.0 1.7 1.5 1.6 1.5 0 0 0 0 0 0 0 0 0 0 0 0 0
Change in Working Capital (11.9) (23.3) (16.3) 7.6 2.7 7.4 (0.2) 5.6 (4.8) (5.3) 1.4 0.2 (0.1) (0.7) (0.3) 0.2 0 (0.3) (0.1) (0.2) 0.7 (2.9) 0.5
Other Non-Cash Items 23.7 (1.9) 17.2 15.6 (7.1) 37.1 (9.6) 2.6 (2.6) (3.6) (0.1) 2.9 (0.1) 4.1 (0.7) 2.8 0.1 4.7 (7.2) (20) 0.7 (0.5) 3.7
Operating Cash Flow 133.3 109.7 138.9 162.9 132.2 114.8 102.8 91.1 55.4 48.2 29.9 29.5 25.8 22.3 14.3 18.8 15.6 15.3 2 (11.8) 10 4.6 12.5
Investing Activities
Capital Expenditure (5.4) (4.6) (4.9) (3.6) (3.2) (2.8) (4.3) (7.4) (15.2) (10.9) (4.8) (3.2) (2.7) (3.1) (2.0) (3.0) (2.1) (1.2) (6.3) (2.5) (1.3) (2) (1.7)
Acquisitions 0 0 0 426.9 0 0 0 30.6 0 156.3 0 0 0 0 0 0 0 0 0 0 0 0 0
Purchases of Investments 0 (187.8) (34.5) (699.0) (1,190.7) (617.6) (37.3) (436.7) (265.8) (247.7) (40.0) (61.1) (169.2) (241.8) (93.1) (27.6) (41.4) (199.3) (173.3) (19.2) (8.4) (97.1) (326.4)
Sales/Maturities of Investments 0 454.3 420.0 306.2 455.6 257.6 293.4 435.2 176.1 193.3 58.8 79.4 227.3 131.6 99.7 39.7 78.6 187.8 78.7 43.6 38.9 75.1 244.5
Other Investing Activities (82.6) 23.0 (352.1) (753.7) (145.5) (453.6) (281.6) (163.8) (252.5) (230.4) (213.3) (192.1) (234.9) (31.1) (19.0) (56.8) (54.7) (82.7) (13) (47.7) (10.6) 0.5 7.4
Investing Cash Flow (82.6) 285.0 28.6 (723.2) (883.8) (816.3) (29.8) (142.0) (357.4) (139.4) (199.4) (177.0) (179.5) (144.4) (14.3) (47.7) (19.6) (95.4) (113.9) (25.8) 18.6 (23.5) (76.2)
Financing Activities
Net Debt Issuance (137.8) (543.0) 368.0 214.5 23.2 8.5 2.6 (271.3) 104.7 5.2 53.6 32.8 60.1 (0.0) (11.5) (11.0) (6.4) 25.2 (2.4) 2.9 (22.7) 41.9 6.2
Stock Repurchased (32.0) (15.5) (9.2) (27.1) (4.3) (26.7) (2.2) (2.5) (1.6) (1.9) 0 0 0 0 0 0 0 0 0 0 0 0 0
Dividends Paid (45.0) (43.6) (39.9) (35.8) (29.7) (26.3) (25.0) (18.8) (15.1) (13.7) (7.1) (6.7) (6.1) (5.6) (5.6) (5.7) (5) (3.4) (3) (2.6) (1.9) (1.7) (1.7)
Other Financing Activities 176.3 253.7 (494.8) (252.4) 861.4 1,139.1 0.5 365.6 114.0 103.7 148.0 112.0 105.5 124.8 42.6 43.7 25 45.1 128.4 23.4 25.1 (24.9) 63
Financing Cash Flow (38.6) (348.4) (176.0) (100.9) 850.5 1,094.6 (24.0) 73.0 201.9 93.3 192.3 136.6 159.3 119.4 19.8 26.7 14 67.1 123.2 24.6 (3) 15.7 73.1
Cash Position
Net Change in Cash 12.1 46.3 (8.5) (661.2) 98.9 393.0 49.0 22.1 (100.2) 2.2 22.9 (10.9) 5.7 (2.7) 19.8 (2.2) 9.9 (13) 11.3 (65.3) (39.7) (42.9) (24.6)
Cash at Beginning 145.0 98.7 107.2 768.4 669.6 276.5 227.5 205.4 305.6 303.5 70.0 80.9 75.3 78.0 58.2 60.4 50.5 63.5 52.2 65.3 39.7 42.9 24.6
Cash at End 157.0 145.0 98.7 107.2 768.4 669.6 276.5 227.5 205.4 305.6 92.9 70.0 80.9 75.3 78.0 58.2 60.4 50.5 63.5 89.9 36.7 58.6 97.7
Free Cash Flow 127.9 105.2 134.0 159.3 129.0 112.0 98.5 83.6 40.2 37.3 25.2 26.3 23.1 19.2 12.4 15.8 13.5 14.1 (4.3) (14.3) 8.7 2.6 10.8
Key Metrics 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Income Statement
Revenue 533.3 524.0 492.8 412.0 334.9 317.2 320.8 272.4 226.8 213.3 202.6 152.6 140.9 144.3 136.3 137.3 142.7 148.2 154.9 146.6 123.6 109.7 96.9 83.9 88.4 91.3 80.7 78 69.5 55.8 51.9 48.3 42.4
Gross Profit 404.5 382.1 387.1 384.0 336.2 264.9 307.1 257.0 219.9 213.5 199.4 152.0 136.9 127.5 103.0 85.7 90.6 95.7 111.2 110.8 100.9 92.8 82.5 68.2 60.5 57.8 52.7 48.5 42.5 35.8 33.6 32.3 28.3
Operating Income 169.2 155.1 160.9 173.9 163.7 87.3 126.8 93.4 77.5 72.5 72.7 44.6 45.8 31.9 29.8 8.5 15.1 27.0 42.3 44.1 38.8 32.6 27.0 22.2 19.7 19.9 17.9 13.8 9.6 12.3 11.9 10.3 10.7
Net Income 121.6 114.9 117.4 125.4 117.7 64.8 92.1 68.3 40.6 44.8 43.8 26.1 27.4 19.0 18.6 6.0 10.0 16.8 25.7 26.8 23.7 20.2 16.9 14.1 12.4 12.6 11.4 8.8 5.9 7.3 7 5.9 6.3
EPS (Diluted) 3.71 3.47 3.52 3.83 3.94 2.16 3.00 2.54 1.74 1.94 1.91 1.46 1.69 1.18 0.41 0.38 0.62 1.05 1.57 1.64 1.45 1.24 1.07 0.98 0.86 0.43 0.78 0.61 0.14 0.17 0.16 0.11 0.13
Balance Sheet
Cash & Equivalents 157.0 145.0 98.7 107.2 768.4 669.6 276.5 227.5 205.4 305.6 61.0 86.4 70.0 80.6 67.2 59.3 58.2 52 50.5 63.5 52.2 65.3 39.7 33.9
Total Assets 9,822.1 9,673.7 9,910.1 9,931.0 8,614.8 7,639.5 6,471.2 6,352.4 4,761.3 4,518.0 2,170.5 2,043.2 1,626.0 1,468.8 1,144.6 1,005.4 972.1 924.8 904.6 826.2 694.9 603.6 593.8 516.3
Total Debt 80.2 216.2 794.5 442.6 184.5 139.4 121.7 88.7 196.5 91.7 108.0 143.2 115.8 83.0 22.9 23.0 34.5 45.5 51.9 26.7 29.2 26.3 49 7.1
Stockholders' Equity 1,328.0 1,220.9 1,159.7 1,046.4 1,000.2 925.1 906.6 827.4 505.8 477.3 200.6 197.9 138.1 128.0 99.0 86.9 85.2 73.1 72 65.1 60.8 53.2 48.2 41.8
Cash Flow
Operating Cash Flow 133.3 109.7 138.9 162.9 132.2 114.8 102.8 91.1 55.4 48.2 29.9 29.5 25.8 22.3 14.3 18.8 15.6 15.3 2 (11.8) 10 4.6 12.5
Capital Expenditure (5.4) (4.6) (4.9) (3.6) (3.2) (2.8) (4.3) (7.4) (15.2) (10.9) (4.8) (3.2) (2.7) (3.1) (2.0) (3.0) (2.1) (1.2) (6.3) (2.5) (1.3) (2) (1.7)
Free Cash Flow 127.9 105.2 134.0 159.3 129.0 112.0 98.5 83.6 40.2 37.3 25.2 26.3 23.1 19.2 12.4 15.8 13.5 14.1 (4.3) (14.3) 8.7 2.6 10.8