TRICO BANCSHARES / TCBK

Latest FY: 2025 Financial Services Banks - Regional
Market Price $53.62
Market Cap $1.71B
P/E Ratio 14.49
Quick Peer Compare (Financial Services):
Revenue (FY 2025) ↑5.9% YoY
$419.18M
3-Yr CAGR: 0.8%
Net Income ↑5.8% YoY
$121.56M
Net Margin: 29.0%
Free Cash Flow ↑21.7% YoY
$127.93M
FCF Yield: 7.48%
EPS (Diluted) ↑6.9% YoY
$3.70
Basic: $3.72
Return on Equity Efficiency
9.2%
ROA: 1.2%

📊 Multi-Year Historical Performance & Trends

Financial Performance History Revenue, Net Income & Free Cash Flow
Margins Trend (%) Gross, Operating & Net Margins
Balance Sheet Strength Cash, Debt & Equity
Cash Flow Generation Operating Cash Flow vs CapEx vs FCF

📈 Year-over-Year (YoY) Growth History (TCBK)

All monetary values in millions ($M)
Fiscal Year Revenue Revenue YoY Gross Profit Net Income Net Inc YoY Diluted EPS EPS YoY Div / Sh Div Yield Op. Cash Flow Free Cash Flow FCF YoY
FY 2016 $212.6M $206.8M $44.8M $1.94 $0.59 1.74% $48.2M $37.3M
FY 2017 $224.1M +5.4% $217.3M $40.6M -9.5% $1.74 -10.3% $0.65 1.72% $55.4M $40.2M +7.8%
FY 2018 $264.4M +18.0% $251.5M $68.3M +68.5% $2.54 +46.0% $0.70 2.07% $91.1M $83.6M +108.0%
FY 2019 $310.6M +17.5% $295.2M $92.1M +34.8% $3.00 +18.1% $0.82 2.00% $102.8M $98.5M +17.8%
FY 2020 $312.9M +0.8% $303.5M $64.8M -29.6% $2.16 -28.0% $0.88 2.48% $114.8M $112.0M +13.7%
FY 2021 $335.2M +7.1% $329.7M $117.7M +81.5% $3.94 +82.4% $0.99 2.32% $132.2M $129.0M +15.2%
FY 2022 $409.0M +22.0% $399.5M $125.4M +6.6% $3.83 -2.8% $1.09 2.15% $162.9M $159.3M +23.5%
FY 2023 $418.1M +2.2% $336.4M $117.4M -6.4% $3.52 -8.1% $1.20 2.78% $138.9M $134.0M -15.9%
FY 2024 $395.8M -5.3% $260.6M $114.9M -2.1% $3.46 -1.7% $1.32 3.02% $109.7M $105.2M -21.5%
FY 2025 $419.2M +5.9% $299.5M $121.6M +5.8% $3.70 +6.9% $1.38 2.91% $133.3M $127.9M +21.7%
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Valuation

Market Price $53.62
Market Cap $1.71B
Enterprise Value $1.55B
P/E Ratio 14.49
P/B Ratio 1.29
FCF Yield 7.48%
Dividend Yield 2.57%
Shares Outstanding 31,910,600
%

Profitability & Margins

Gross Margin 71.44%
Operating Margin 39.64%
Net Margin 29.00%
Return on Equity (ROE) 9.15%
Return on Assets (ROA) 1.24%
Asset Turnover 0.04x
Revenue 3-Yr CAGR 0.82%
🛡️

Financial Health & Liquidity

Current Ratio N/A
Cash Ratio N/A
Debt / Equity 0.000
Debt / Assets 0.000
Cash & Equivalents $157.01M
Total Debt N/A
Book Value / Share $41.62
💧

Cash Flow Efficiency

Operating Cash Flow $133.29M
Capital Expenditures (CapEx) $5.36M
Free Cash Flow $127.93M
OCF / Revenue 31.80%
FCF / Revenue 30.52%
FCF 3-Yr CAGR -7.04%
🏷️

Per Share Metrics

EPS (Diluted) $3.70
EPS (Basic) $3.72
Dividends / Share $1.38
Book Value / Share $41.62
EPS YoY Growth 6.94%
🏛️

Balance Sheet (FY 2025)

Total Assets $9.82B
Total Liabilities $8.49B
Stockholders' Equity $1.33B
Current Assets N/A
Current Liabilities N/A