Trico Bancshares /
TCBK Nasdaq· State Commercial Banks
Last close · Oct 23, 2026
$52.72
KIRA · Stoqly’s AI analyst, in plain words
- Trico Bancshares / had $53.4M of revenue in fiscal 2025, up 4.1% on the year before. Over five years, revenue changed +7.1% a year on average.
- Trico Bancshares / made $122M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 7.4% a year.
- Trico Bancshares / returned $77.1M to shareholders in fiscal 2025, 60% of free cash flow. The diluted share count fell 1.1%.
- It earned 9.5% on shareholders’ money. Running costs took 450.9% of revenue (the efficiency ratio; lower is better).
Market cap
$1.7B
P/E
12.7x
Revenue
$53.4M
Net income
$122M
Return on equity
9.5%
Efficiency ratio
450.9%
Trico Bancshares / in 30 seconds · fiscal 2025
Are sales growing?
+4.1%
Only a little. Sales grew 4.1% last year.
Does it make a profit?
227.4%
Yes. It keeps 227.4% of every sale as profit.
How lean are its costs?
450.9%
Costly. Running costs take 450.9% of revenue.
How much does it earn on its capital?
9.5%
Fair. It earns 9.5% a year on shareholders’ money.
How is the share priced?
12.7x
One share costs 12.7 times its yearly profit per share.
What Trico Bancshares / does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 2, 2026
- Legal name
- TRICO BANCSHARES /
- CIK
- 0000356171
Trico Bancshares / · TCBK
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $43.9M | $49.8M | $50.1M | $51.3M | $53.4M |
| Revenue growth | 15.7% | 13.2% | 0.6% | 2.5% | 4.1% |
| Net interest income | $272M | $346M | $357M | $331M | $351M |
| Net income | $118M | $125M | $117M | $115M | $122M |
| Net margin | 267.7% | 252.0% | 234.4% | 223.8% | 227.4% |
| Diluted EPS | $3.94 | $3.83 | $3.52 | $3.46 | $3.70 |
| Cash | |||||
| Cash from operations | $132M | $163M | $139M | $110M | $133M |
| Capital expenditure | $3.2M | $3.6M | $4.9M | $4.6M | $5.4M |
| Free cash flow | $129M | $159M | $134M | $105M | $128M |
| FCF margin | 293.6% | 320.0% | 267.5% | 204.9% | 239.4% |
| Dividends paid | $29.7M | $35.8M | $39.9M | $43.6M | $45.0M |
| Share buybacks | $4.3M | $27.1M | $9.2M | $15.5M | $32.0M |
| Share count change | −0.5% | 9.5% | 1.9% | −0.4% | −1.1% |
| Debt and strength | |||||
| Cash and short-term investments | $768M | $107M | $98.7M | $145M | $157M |
| Loans, net | $4.8B | $6.3B | $6.7B | $6.6B | $7.0B |
| Deposits | $7.4B | $8.3B | $7.8B | $8.1B | $8.3B |
| Shareholders' equity | $1.0B | $1.0B | $1.2B | $1.2B | $1.3B |
| Returns and quality | |||||
| Return on equity | 12.2% | 12.3% | 10.6% | 9.7% | 9.5% |
| Return on tangible equity | 15.1% | 16.9% | 13.7% | 12.5% | 11.9% |
| Efficiency ratio | 405.6% | 435.3% | 465.5% | 456.1% | 450.9% |
Insiders bought, 12 months
$0.0M
0 insiders
Insiders sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Trico Bancshares / · TCBK
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $52.72 a share, the company is worth $1.7B: 12.7 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0000356171). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.