TCBK
Trico Bancshares
$56.44
▼ 0.5%Updated Today 11:10 AM ET
TCBK at a glance — five pillars scored 0–100 from real filed financials.
Overall: Unrated · 0/100. A wider, greener shape means more pillars look healthy. Dividends scores 0 when a company pays none — that is a choice, not a flaw.
Market Cap
$0.00
P/E
—
Forward P/E (est.)
—
ROE
—
Revenue Growth
—
EPS Growth
—
Profit Margin
—
FCF Yield
—
Debt / Equity
—
ROIC
—
Interest Coverage
—
Current Ratio
—
Dividend Yield
—
Implied Growth (rev. DCF)
—
Rating Score
0/100
Trico Bancshares (TCBK) is a small-cap company in the Banking industry, part of the Financials sector of the S&P 500.
In its latest reported year it generated about $53.45M in revenue and $121.56M in net profit.
Our model rates TCBK Unrated (0/100) on growth, profitability, financial health, and valuation. The summary below is built from its filed financials and current ratios and refreshes automatically.
4Y CAGR
5.0%
Revenue moved from $33.23M in 2016 to $53.45M in 2025, a 5.4% compound annual growth rate. The most recent year was roughly steady year over year. Slower, mature growth is common for established businesses.
Gross Margin
—
Operating Margin
—
Net Margin
227.4%
ROE
—
Total Debt
—
Net Debt
—
Net Debt / EBITDA
—
Debt / Equity
—
Leverage: debt-to-equity is n/a. Detailed balance-sheet leverage is limited for this name.
Operating CF
$133.29M
Free Cash Flow
$127.93M
FCF Margin
239.4%
In the latest year Trico Bancshares produced about $133.29M of operating cash flow and $127.93M of free cash flow after capital spending. Cash flow is what ultimately pays shareholders, so it is worth tracking over time.
Can the payout survive a bad year? Scored from filed cash flow, earnings coverage, and the raise/cut record.
The payout is comfortably covered by cash the business actually generates, with a raise habit behind it.
Per share (latest FY)
$1.38
Total paid (latest FY)
$45.03M
History on record
10 years
dividend uses 35% of free cash flow
37% of net income paid out
total dividends increased 9 years in a row
no cuts in the last 10 years on record
Coverage uses the latest fiscal year as filed with the SEC; the streak counts total dollars paid (per-share figures can carry split artifacts). Educational information, not income advice.
P/E
—
P/S
—
P/B
—
EV / EBITDA
—
TCBK trades at n/a trailing earnings. With no positive trailing earnings, value it on sales, cash flow, or growth rather than P/E.
A two-stage discounted cash flow on real SEC-filed free cash flow — the intrinsic-value anchor professional analysts triangulate from.
DCF fair value / share
$68.71
Current price
$56.44
Starting FCF (latest 10-K)
$127.93M
Growth, years 1–5
4.0%
Fade to terminal, years 6–10
2.5%
Discount rate
9.0%
Cash flows grow at the stage-1 rate (trailing revenue growth, capped at 20%) for five years, fade to 2.5% by year 10, and continue at that rate forever (Gordon terminal value), all discounted at 9.0%. Small changes in assumptions move the result a lot — treat this as one reference point, not a target price. Educational only, not investment advice.
Where TCBK sits versus its Financials sector peers in the S&P 500.
Bands show the middle half (25th–75th percentile) of the 141 Financials companies in the S&P 500 — the peer-relative anchor professional comps analysis uses. Context only — not investment advice.
How TCBK stacks up against its Financials peers — valuation, profitability, and growth versus the sector median.
In the Financials sector (289 S&P 500 companies), TCBK ranks #265 of 289 by our overall rating.
P/E vs sector
—
median 15.6x
ROE vs sector
—
median 13.6%
Growth vs sector
—
median 15.9%
Sector rank
#265
of 289 by rating
Peers are the closest Financials companies by sub-industry and size. Sector median is across all 289 S&P 500 names in the sector. Educational, not a recommendation.
Project revenue → earnings → price. Edit the assumptions to build your own case.
2030 price target (Base Case)
$0.00 – $0.00
vs. $56.44 today · expected CAGR -24% – -15%
| Metric | 2026 | 2027 | 2028 | 2029 | 2030 |
|---|---|---|---|---|---|
| Revenue | $57.72M | $62.34M | $67.33M | $72.71M | $78.53M |
| Net income | $28.86M | $31.17M | $33.66M | $36.36M | $39.26M |
| EPS | $0.90 | $0.98 | $1.05 | $1.14 | $1.23 |
| Share price (low) | $10.83 | $11.70 | $12.64 | $13.65 | $14.74 |
| Share price (high) | $18.06 | $19.50 | $21.06 | $22.75 | $24.57 |
| CAGR (low–high) | -81% / -68% | -54% / -41% | -39% / -28% | -30% / -20% | -24% / -15% |
Educational model on sample fundamentals — not a forecast or investment advice. Outputs are only as good as your assumptions.
The case for TCBK:
- As an established S&P 500 member in Financials, it brings scale and a long operating history.
The case against TCBK:
- Like any single stock, it is exposed to competition, the economic cycle, and shifts in its end markets.
Market risk — sector rotation, the economic cycle, and broad sentiment move the stock regardless of fundamentals.
On balance, the picture is mixed: Trico Bancshares is a small-cap financials business growing at a mature pace, with modest profitability, and a heavier debt load to watch. It trades at n/a earnings, which our model scores Unrated (0/100). Weigh this against your own goals and time horizon — this is educational information, not a recommendation.
Analyst Ratings
What 10 Wall Street analysts covering TCBK recommend (August 2026). Consensus is a useful sanity check — not a substitute for your own homework.
Analysts have turned more cautious over the last three months (-67 pts of buy ratings).
Latest SEC Filings
TCBK's most recent filings, straight from SEC EDGAR. Annual and quarterly reports are the deep dives; 8-Ks flag material events the moment they happen.
TCBK — frequently asked questions
Is TCBK a good stock to buy?
We don't give buy or sell advice. Review Trico Bancshares's fundamentals, valuation, and 5-year financials on this page, then make your own decision — and consider a licensed professional.
Where does TCBK's data come from?
Live price data plus real fundamentals and 5-year financials pulled directly from Trico Bancshares's SEC filings — refreshed automatically, not hand-entered.
How is the 5-year projection for TCBK calculated?
It's a scenario model: it grows revenue at an assumed rate, applies a profit margin and a valuation multiple, and shows the resulting share-price range. The assumptions are yours to change — it's a tool for thinking, not a prediction.
Is this TCBK analysis financial advice?
No. Everything on this page is educational research, not financial advice or a recommendation to buy or sell TCBK. Always do your own research and consider a licensed professional.
Data notice. Fundamentals and financial statements are sourced from company filings (SEC EDGAR) and market-data providers; prices and market caps refresh on trading days and may be delayed. Ratings, projections, technical signals, and written summaries are model- or rule-generated for education and may simplify or lag the latest filings.
Not advice. Nothing on this page is investment advice or a recommendation to buy, hold, or sell any security. Do your own research and consult a licensed financial professional before investing.