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Upturn AI SWOT - About
TCBK 
TriCo Bancshares (TCBK)
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Upturn Advisory Summary
04/01/2025: TCBK (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit -13.91% | Avg. Invested days 40 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.32B USD | Price to earnings Ratio 11.52 | 1Y Target Price 50.33 |
Price to earnings Ratio 11.52 | 1Y Target Price 50.33 | ||
Volume (30-day avg) 115337 | Beta 0.56 | 52 Weeks Range 30.76 - 50.32 | Updated Date 03/31/2025 |
52 Weeks Range 30.76 - 50.32 | Updated Date 03/31/2025 | ||
Dividends yield (FY) 3.31% | Basic EPS (TTM) 3.47 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 29.51% | Operating Margin (TTM) 39.42% |
Management Effectiveness
Return on Assets (TTM) 1.17% | Return on Equity (TTM) 9.65% |
Valuation
Trailing PE 11.52 | Forward PE 12.12 | Enterprise Value 1448656896 | Price to Sales(TTM) 3.36 |
Enterprise Value 1448656896 | Price to Sales(TTM) 3.36 | ||
Enterprise Value to Revenue 3.95 | Enterprise Value to EBITDA - | Shares Outstanding 32970400 | Shares Floating 31437630 |
Shares Outstanding 32970400 | Shares Floating 31437630 | ||
Percent Insiders 8.09 | Percent Institutions 66.6 |
Analyst Ratings
Rating 3.67 | Target Price 51.67 | Buy 2 | Strong Buy 1 |
Buy 2 | Strong Buy 1 | ||
Hold 3 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
TriCo Bancshares
Company Overview
History and Background
TriCo Bancshares was founded in 1975 and is headquartered in Chico, California. It has grown through organic expansion and strategic acquisitions, focusing on community banking services in Northern and Central California.
Core Business Areas
- Commercial Banking: Provides a wide range of financial products and services to businesses, including commercial loans, lines of credit, treasury management, and international banking.
- Retail Banking: Offers various deposit accounts, personal loans, mortgages, credit cards, and other banking services to individual customers.
- Wealth Management: Provides wealth management, trust, and investment advisory services to individuals, families, and businesses.
Leadership and Structure
The leadership team comprises experienced banking professionals. The organizational structure is based on regional banking divisions with centralized support functions.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provide businesses with funding for various needs, including expansion, working capital, and equipment purchases. Market share data is not publicly available for individual loan products. Competitors include large national banks and other regional banks.
- Mortgage Loans: Offer residential mortgage loans for home purchases and refinancing. Competitors include national mortgage lenders and credit unions.
- Deposit Accounts: Offer checking, savings, and money market accounts. Competitors include national banks, online banks, and credit unions.
Market Dynamics
Industry Overview
The banking industry is highly competitive and heavily regulated. Key trends include digital transformation, increasing cybersecurity threats, and fluctuations in interest rates.
Positioning
TriCo Bancshares is a regional bank focused on community banking in California. Its competitive advantage lies in its strong local presence and customer relationships.
Total Addressable Market (TAM)
The total addressable market is the entire banking sector in California. TriCo Bancshares is positioned as a community bank focusing on a specific segment of this TAM, leveraging local expertise and relationships.
Upturn SWOT Analysis
Strengths
- Strong local presence in Northern and Central California
- Experienced management team
- Solid customer relationships
- Diversified revenue streams
Weaknesses
- Limited geographic diversification
- Smaller scale compared to national banks
- Exposure to California's economic cycles
Opportunities
- Expansion into new markets within California
- Increased digital banking adoption
- Strategic acquisitions of smaller banks
- Growth in wealth management services
Threats
- Increasing competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn in California
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- WFC
- BAC
- CMA
- UMPQ
- FFBC
Competitive Landscape
TriCo Bancshares faces stiff competition from larger national banks and other regional players. Its advantage lies in its local expertise and customer service.
Major Acquisitions
First Bank of Manhattan
- Year: 2016
- Acquisition Price (USD millions): 143
- Strategic Rationale: Expansion into attractive markets with similar business banking focus.
Growth Trajectory and Initiatives
Historical Growth: Historically, TriCo Bancshares has grown through a combination of organic growth and strategic acquisitions.
Future Projections: Future growth projections depend on various factors, including economic conditions, interest rates, and competition. Analyst estimates would need to be consulted for specific projections.
Recent Initiatives: Recent initiatives may include digital banking upgrades, branch expansions, and new product launches, but specifics need to be retrieved from the company's filings or press releases.
Summary
TriCo Bancshares is a regional bank with a solid presence in California, focusing on community banking. The company benefits from its strong local presence and experienced management but faces competition from larger banks. Strategic initiatives like digital upgrades are crucial for future growth. TriCo needs to carefully manage interest rate risk and economic cycles in California.
Similar Companies
- UMPQ
- FFBC
- BOKF
- WSBC
Sources and Disclaimers
Data Sources:
- Company website
- SEC filings
- Third-party financial data providers
- Industry reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share estimates are based on available data and may not be precise.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About TriCo Bancshares
Exchange NASDAQ | Headquaters Chico, CA, United States | ||
IPO Launch date 1993-04-20 | Chairman, President & CEO Mr. Richard P. Smith | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 1172 | Website https://www.tcbk.com |
Full time employees 1172 | Website https://www.tcbk.com | ||
TriCo Bancshares operates as a bank holding company for Tri Counties Bank that provides commercial banking services to individual and corporate customers. The company accepts demand, savings, and time deposits. It also offers small business loans; real estate mortgage loans, such as residential and commercial loans; consumer loans; mortgage, auto, other vehicle, and personal loans; commercial loans, including agricultural loans; and real estate construction loans. In addition, the company provides treasury management services; credit and debit cards; and other customary banking services, including safe deposit boxes; and independent financial and broker-dealer services. Further, it offers checking, saving, and money market accounts, as well as individual retirement accounts; equipment financing; certificate of deposit account registry service; certificated of deposit; and IntraFi cash service. TriCo Bancshares was founded in 1975 and is headquartered in Chico, California.
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