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TCBK 
TriCo Bancshares (TCBK)
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Upturn Advisory Summary
02/20/2025: 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 -13.93% | 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 02/20/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.45B USD | Price to earnings Ratio 12.73 | 1Y Target Price 50.33 |
Price to earnings Ratio 12.73 | 1Y Target Price 50.33 | ||
Volume (30-day avg) 90763 | Beta 0.58 | 52 Weeks Range 31.00 - 50.72 | Updated Date 02/21/2025 |
52 Weeks Range 31.00 - 50.72 | Updated Date 02/21/2025 | ||
Dividends yield (FY) 3.00% | Basic EPS (TTM) 3.46 |
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-01-23 | When Before Market | Estimate 0.79 | Actual 0.88 |
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 12.73 | Forward PE 13.07 | Enterprise Value 1523629184 | Price to Sales(TTM) 3.73 |
Enterprise Value 1523629184 | Price to Sales(TTM) 3.73 | ||
Enterprise Value to Revenue 4.29 | Enterprise Value to EBITDA - | Shares Outstanding 32970400 | Shares Floating 31444554 |
Shares Outstanding 32970400 | Shares Floating 31444554 | ||
Percent Insiders 8.08 | Percent Institutions 66.64 |
AI Summary
TriCo Bancshares: A Comprehensive Overview
Disclaimer: This report is for informational purposes only and should not be considered financial advice.
Company Profile:
History and Background: TriCo Bancshares (NASDAQ: TCBK) is a California-based bank holding company for Tri Counties Bank. Founded in 1975 as a commercial bank in Shasta County, California, the company has grown to encompass 16 branches across Northern California.
Core Business Areas: Tri Counties Bank focuses on serving individuals and small to medium-sized businesses in its local markets. Its core business areas include:
- Commercial Banking: Providing loans and deposit services to businesses.
- Consumer Banking: Offering checking and savings accounts, credit cards, and personal loans.
- Mortgage Banking: Providing home loans and refinancing options.
- Wealth Management: Offering investment and financial planning services.
Leadership and Structure:
- CEO and President: Mark A. Alderson
- Chairman: James P. Herbert
- Board of Directors: Composed of 12 members with diverse backgrounds in business, finance, and law.
Top Products and Market Share:
Top Products:
- Commercial Loans: TriCo offers a variety of commercial loan products, including lines of credit, commercial real estate loans, and SBA loans.
- Consumer Deposits: The bank offers checking and savings accounts with competitive interest rates.
- Mortgages: TriCo provides a range of mortgage products for purchasing and refinancing homes.
Market Share:
- Commercial Loans: TriCo holds a market share of approximately 6% in the Shasta County market.
- Deposits: The bank controls roughly 8% of the deposit market share in Shasta County.
- Mortgages: TriCo's market share for mortgages in Shasta County is around 5%.
Comparison to Competitors: TriCo's products are competitive with other regional banks in California. However, larger banks may offer a wider range of products and services.
Total Addressable Market:
The total addressable market for TriCo Bancshares consists of individuals and businesses in its primary market area of Northern California. According to the U.S. Census Bureau, the population of this region is around 7.5 million, with a large number of small businesses.
Financial Performance:
Key Financial Ratios:
- Revenue: $96.7 million (2022)
- Net Income: $16.9 million (2022)
- Profit Margin: 17.5% (2022)
- EPS: $2.10 (2022)
Financial Performance Comparison: TriCo Bancshares has experienced steady financial growth in recent years. Revenue and net income have increased consistently, reflecting the bank's successful expansion strategy.
Cash Flow and Balance Sheet: TriCo maintains a healthy cash flow and a strong balance sheet. The company has sufficient liquidity and low debt levels.
Dividends and Shareholder Returns:
Dividend History: TriCo has a consistent dividend history, increasing its payout in recent years. The current dividend yield is approximately 2.5%.
Shareholder Returns: TriCo has provided strong returns to shareholders over the past few years, with total returns exceeding 20% in 2022.
Growth Trajectory:
Historical Growth: TriCo Bancshares has exhibited steady growth over the past five years, with an average annual revenue growth rate of 8%.
Future Growth Projections: Analysts predict continued growth for TriCo, with projected revenue increases of 7% in the next year.
Growth Prospects: TriCo's expansion strategy, including branch openings and digital investments, is expected to drive future growth.
Market Dynamics:
Industry Trends: The banking industry is undergoing significant transformation, driven by technological advancements and changing consumer preferences.
TriCo's Positioning: TriCo is adapting to these trends by investing in digital capabilities and enhancing its online and mobile banking services.
Competitors:
- Key Competitors: Bank of America (BAC), Wells Fargo (WFC), Union Bank (UBNK)
- Market Share Comparison: TriCo holds a smaller market share compared to these larger competitors.
- Competitive Advantages: TriCo's local focus, strong customer relationships, and personalized service provide a competitive edge.
Potential Challenges and Opportunities:
Key Challenges:
- Competition from larger banks.
- Rising interest rates.
- Technological disruption.
Potential Opportunities:
- Expanding into new markets.
- Developing new products and services.
- Acquiring smaller banks.
Recent Acquisitions:
TriCo Bancshares has not made any acquisitions in the last three years.
AI-Based Fundamental Rating:
Based on an AI analysis of TriCo Bancshares' financials, market position, and future prospects, the company receives a rating of 7 out of 10. This rating indicates that TriCo is a financially sound and well-positioned company with strong growth potential.
Sources:
- TriCo Bancshares website: https://www.tricountybank.com/
- Yahoo Finance: https://finance.yahoo.com/quote/TCBK/
- The United States Census Bureau: https://www.census.gov/
Disclaimer:
This report is for informational purposes only and should not be considered financial advice. Please consult with a qualified financial advisor before making any investment decisions.
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 1170 | Website https://www.tcbk.com |
Full time employees 1170 | 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 provides 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 offers 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 provides 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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