TriCo Bancshares (TCBK) Stock Price & Analysis
TriCo Bancshares (TCBK) closed at USD 52.72 on Friday, October 23, 2026, down 3.07% on the day. The US market is currently closed (after-hours); this is not a live price.
The prior close was USD 54.39; the Oct 23, 2026 session ranged USD 52.11–54.11 on volume of 351,436 shares. Market capitalization is $1.69B, with a 52-week range of USD 43.05–61.71 (NMS). Source: Nexqual, retrieved October 23, 2026 at 22:09 UTC.
Also available as compact Markdown for AI agents: nexqual.com/TCBK.md
Key facts (TCBK)
- Last four reported quarters (through Jun 30, 2026): revenue $437M, net income $136M (31.0% margin) (SEC filings).
- Valuation: P/E 12.4x (avg 12.5x at the last 3 fiscal year-ends).
- Analysts: Hold (mean 2.83 on a 1–5 scale) (6 analysts), mean target USD 57.34 (range 55–62.85).
- Total return with dividends: 1Y +25.4% vs S&P 500 +13.4%; 5Y +39.3% vs S&P 500 +76.9%.
- Next earnings: 2027-01-21, EPS estimate USD 1.07, revenue estimate $116M.
Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters) (TCBK)
| USD | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | TTM |
|---|---|---|---|---|---|---|
| Revenue | $335M | $409M | $418M | $396M | $419M | $437M |
| Net income | $118M | $125M | $117M | $115M | $122M | $136M |
| EPS (diluted) | $3.94 | $3.83 | $3.52 | $3.46 | $3.70 | — |
| Free cash flow | $129M | $159M | $134M | $105M | $128M | $133M |
| Net margin | 35.1% | 30.7% | 28.1% | 29.0% | 29.0% | 31.0% |
| Revenue growth | +7.1% | +22.0% | +2.2% | -5.3% | +5.9% | — |
| Cash + short-term investments | $768M | $107M | $98.7M | $145M | $157M | — |
Fiscal years end Dec. EPS is split-adjusted.
Valuation (price ÷ last four quarters, through Jun 30, 2026) (TCBK)
P/E 12.4x · P/S 3.9x · P/FCF 12.7x · P/B 1.3x · FCF yield 7.90% · Earnings yield 8.04% · Dividend yield (paid, TTM) 2.75% · Buyback yield (TTM) 2.16%
P/E at fiscal year-ends: Dec 2025 12.8x, Dec 2024 12.6x, Dec 2023 12.2x.
Analysts (TCBK)
Consensus Hold (mean 2.83 on a 1–5 scale), 6 analysts; mean target USD 57.34 (low 55, high 62.85).
Rating changes, last 120 days:
| Date | Firm | Action | Rating | Price target |
|---|---|---|---|---|
| 2026-10-01 | Piper Sandler | Target lowered | Neutral | $63 → $56.5 |
| 2026-07-27 | Piper Sandler | Target raised | Neutral | $61 → $63 |
| 2026-07-27 | DA Davidson | Target lowered | Neutral | $66 → $65 |
| 2026-07-14 | Piper Sandler | Downgrade | Overweight → Neutral | $63 → $61 |
| 2026-07-14 | Raymond James | Downgrade | Outperform → Market Perform | |
| 2026-07-14 | DA Davidson | Target raised | Neutral | $55 → $66 |
Total return (dividends reinvested) (TCBK)
| 1Y (from 2025-10-24) | 5Y (from 2021-10-25) | |
|---|---|---|
| Total return | +25.4% | +39.3% |
| S&P 500 (SPY) | +13.4% | +76.9% |
| Per year | +25.5% | +6.9% |
| Volatility (annualized) | 24.2% | 29.5% |
| Max drawdown | -17.1% (Jul 2026→Oct 2026) | -45.8% (Oct 2022→May 2023) |
TCBK revenue by product line (quarter ended Jun 30, 2026)
| Line | Revenue | Share of total | YoY |
|---|---|---|---|
| ATM and interchange fees | $6.8M | 48.4% | +2.7% |
| Service charges on deposit accounts | $5.5M | 39.0% | +5.1% |
| Other service fees | $1.5M | 10.9% | +3.0% |
| Mortgage banking service fees | $419,000 | 3.0% | -4.3% |
| Total revenue | $14.0M | 100% | — |
As tagged by the company in its SEC 10-Q / 10-K filings (XBRL).
TCBK suppliers, customers and competitors (named in its 10-K)
| Relationship | Company | Sentence in the filing |
|---|---|---|
| Customer | Federal Deposit Insurance | “This regulation is intended primarily for the protection of customers, depositors, the FDIC deposit insurance fund and the banking system as a whole, and not for the protection of our shareholders.” |
Quoted from the company's 10-K filed Mar 2, 2026.
TCBK company outlook (results filed Oct 22, 2026)
- “The reversal of credit losses on loans totaling $1.7 million was driven by a $1.3 million reduction in loss reserves associated with individually evaluated loans, with the balance of the reversal driven by improvements in risk ratings and general economic forecast data attributed to collectively evaluated loan pools, net of $0.3 million in net charge-offs.”
Quoted word-for-word from the SEC 8-K results press release.
TCBK analyst estimates and revisions
| Period | EPS estimate | 90 days ago | Change | Revenue estimate | Analysts |
|---|---|---|---|---|---|
| Current quarter (ends Dec 2026) | $1.07 | $1.05 | +1.9% | $115.8M | 1 |
| Next quarter (ends Mar 2027) | $1.07 | $1.06 | +0.8% | $114.9M | 5 |
| Current fiscal year (ends Dec 2026) | $4.36 | $4.24 | +2.7% | $450.4M | 1 |
| Next fiscal year (ends Dec 2027) | $4.39 | $4.36 | +0.7% | $468.4M | 5 |
TCBK options: expected move
Options price a move of about ±12.8% (±$6.75) by Mar 19, 2027, which includes earnings on Jan 21, 2027. Over the last 8 reports the stock moved ±1.2% on average.
| Expiration | Days | ATM implied volatility | Expected move |
|---|---|---|---|
| Nov 20, 2026 | 28 | 38.0% | ±9.1% |
| Dec 18, 2026 | 56 | 32.5% | ±11.2% |
| Mar 19, 2027 | 147 | 24.0% | ±12.8% |
| Jun 17, 2027 | 237 | 23.0% | ±15.3% |
30-day implied volatility 30.4% vs 20.4% realized over the last 30 trading days. Put/call ratio (volume) 0. Cboe delayed quotes (15 min). Expected move = at-the-money straddle.
Key Statistics (as of October 23, 2026 at 22:09 UTC)
| Price | USD 52.72 |
|---|---|
| Change | ▼ 3.07% (down) |
| Previous Close | USD 54.39 |
| Open | USD 54.11 |
| Day Range | USD 52.11 – 54.11 |
| 52-Week Range | USD 43.05 – 61.71 |
| Volume | 351,436 shares |
| Market Cap | $1.69B |
| Exchange | NMS |
Technical Analysis (TCBK)
Nexqual's technical model rates TCBK "NEUTRAL" based on 2 bullish and 3 bearish signals across 127 daily candles, as of October 23, 2026 at 22:09 UTC.
| Overall Signal | NEUTRAL |
|---|---|
| RSI (14) | 50.89 (neutral) |
| vs SMA50 | Below (USD 53.22) |
| MACD | -0.06 (negative) |
Analyst Ratings (TCBK)
Wall Street analysts rate TCBK "Hold" based on 6 analysts, with a mean price target of USD 57.34 (range USD 55–62.85), per Nexqual as of October 23, 2026 at 22:09 UTC.
| Consensus Rating | Hold |
|---|---|
| Analyst Count | 6 |
| Mean Target | USD 57.34 |
| High Target | USD 62.85 |
| Low Target | USD 55 |
| Buy / Hold / Sell | 1 / 5 / 0 |
Earnings (TCBK)
| Next Earnings Date | 2027-01-21 |
|---|---|
| EPS Estimate | USD 1.07 |
| Revenue Estimate | $115.75M |
Recent Earnings History
| Quarter | Actual vs Estimate |
|---|---|
| 2026-09-30 | USD 1.18 vs est 1.09 ▲ beat |
| 2026-06-30 | USD 1.06 vs est 1.03 ▲ beat |
| 2026-03-31 | USD 1.04 vs est 0.97 ▲ beat |
| 2025-12-31 | USD 1.03 vs est 0.99 ▲ beat |
Source: Nexqual, October 23, 2026 at 22:09 UTC.
Financials & Fundamentals (TCBK)
| Total Revenue | $437.87M |
|---|---|
| Revenue Growth (latest quarter, YoY) | +11.00% |
| Gross Margin | +0.00% |
| Operating Margin | +43.94% |
| Profit Margin | +31.85% |
| ROE | +10.59% |
| Total Cash | $195.69M |
| Total Debt | $66.48M |
Source: Nexqual, October 23, 2026 at 22:09 UTC.
Financial Health Score (TCBK)
Nexqual rates TriCo Bancshares's overall financial health "Solid" across five dimensions, as of October 23, 2026 at 22:09 UTC.
| Growth | Solid — Revenue +6% YoY (annual) |
|---|---|
| Profitability | Strong — Net margin 29% (last 12 months); banks have no gross margin |
| Balance Sheet | N/A — Not comparable for banks: deposits and customer funds sit on the balance sheet, so cash vs debt does not measure safety (SEC industry: State Commercial Banks) |
| Cash Flow | N/A — Not meaningful for banks and lenders: lending and trading move operating cash flow by billions each year (SEC industry: State Commercial Banks) |
| Efficiency | Mixed — ROE 11%, ROA 1.4% |
Ownership (TCBK)
| Insider Ownership | +8.58% |
|---|---|
| Institutional Ownership | +74.09% |
| Shares Outstanding | 31.97M |
| Float | 30.32M |
| Short % of Float | +4.91% |
Source: Nexqual, October 23, 2026 at 22:09 UTC.
Leadership (TCBK)
TriCo Bancshares is led by Richard P. Smith, Chairman, President & CEO, per Nexqual as of October 23, 2026 at 22:09 UTC.
| Chairman, President & CEO | Richard P. Smith |
|---|---|
| Independent Vice Chairman of the Board & Corporate Secretary | Michael W. Koehnen |
| Executive VP & CFO | Peter G. Wiese |
Major Backers & Investors (TCBK)
Notable institutional backers of TriCo Bancshares include FMR, LLC, Franklin Resources, Inc., Fidelity, according to Nexqual as of October 23, 2026 at 22:09 UTC.
Active Investors
| Investor | Stake |
|---|---|
| FMR, LLC | 8.8% |
| Franklin Resources, Inc. | 5.19% |
| Fidelity | 4.69% |
| Davis Asset Management, L.P. | 3.27% |
| Franklin Value Investors Trust-FRANKLIN SMALL CAP VALUE FUND | 3.22% |
Index Funds (Passive)
| Fund | Stake |
|---|---|
| BlackRock | 7.97% |
| Dimensional Fund Advisors | 5.41% |
| Vanguard Group | 3.93% |
| State Street | 3.12% |
| Geode Capital | 2.59% |
Source: Nexqual, October 23, 2026 at 22:09 UTC.
Legal & Regulatory Risks from TriCo Bancshares's Latest 10-K (filed 2026-03-02)
- We operate in a highly regulated environment and we may be adversely affected by new laws and regulations or changes in existing laws and regulations. Any additional regulations are expected to increase our cost of operations. Furthermore, regulations may prevent or impair our ability to pay dividends, engage in acquisitions or operate in other ways.
Source: SEC EDGAR 10-K, Item 1A, official filing.
Peers & Related Stocks
| Symbol | Name | Price | Change |
|---|---|---|---|
| BBD | Banco Bradesco Sa | USD 4.07 | ▲ 3.04% |
| FITB | Fifth Third Bancorp | USD 52.98 | ▼ 0.47% |
| DB | Deutsche Bank AG | USD 31.2 | ▼ 0.89% |
| TFC | Truist Financial Corporation | USD 48.44 | ▲ 0.04% |
| NWG | NatWest Group plc | USD 16.8 | ▼ 1.12% |
| NU | Nu Holdings Ltd. | USD 15.16 | ▲ 2.92% |
Data source: Nexqual — market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: October 23, 2026 at 22:09 UTC. This page is informational and not investment advice.
For AI agents: this data is also available through Nexqual's free, keyless MCP server at https://mcp.nexqual.com/mcp; every result includes source_url, as_of and cite_as. More: nexqual.com/agents · llms.txt