Stock AnalizTrico Bancshares TCBK
Major Banks · data as of November 13, 2026
Trico Bancshares (TCBK) is a financial company listed in the US with a market value of about $1.7B. In the twelve months to September 30, 2026 it had revenue of $446M and net income of $139M, a net margin of 31.3%.
Its overall Stock Analiz score is 2.8 out of 5 (average). The strongest part is value (4/5); the weakest is future growth (1/5).
Key numbers: a P/E of 12.0, a price to free cash flow of 12.8, 5-year revenue growth of 6% a year. A discounted cash flow model with moderate assumptions puts its intrinsic value about 23% below the current price.
Score: 2.8 / 5
Checks passed
- P/E below 25
- P/E below the industry median
- P/FCF below 20
- PEG below 1.5
- Profit margin improving
- 5-year EPS growth above 10% a year
- Profitable 5 years in a row
- More cash than debt, or low debt to equity
Checks not passed
- Price below intrinsic value (DCF, moderate assumptions)
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- 3-year free cash flow growth above 10% a year
- Strong R&D investment or growth above 20%
- 5-year revenue growth above 8% a year
- 5-year average ROIC above 12%
- ROE above 15%
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $446M | $419M | $396M | $418M | $409M | $335M | $313M | $311M | $264M | $224M | $213M |
| Net income | $139M | $122M | $115M | $117M | $125M | $118M | $65M | $92M | $68M | $41M | $45M |
| Free cash flow | $129M | $128M | $105M | $134M | $159M | $129M | $112M | $99M | $84M | $40M | $37M |
| EPS (diluted) | $4.31 | $3.70 | $3.46 | $3.52 | $3.83 | $3.94 | $2.16 | $3.00 | $2.54 | $1.74 | $1.94 |
| Net margin | 31.3% | 29.0% | 29.0% | 28.1% | 30.7% | 35.1% | 20.7% | 29.6% | 25.8% | 18.1% | 21.1% |
| ROIC | — | — | — | — | — | — | — | — | — | — | — |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 4 analysts is $57.84, 12% above the current price; targets range from $55.00 to $62.85; the consensus rating is “Hold”; expected EPS is $4.45 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is Trico Bancshares’s P/E ratio?
About 12.0, based on the last twelve months of diluted earnings per share (forward P/E about 11.7).
Is Trico Bancshares stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 23% below the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does Trico Bancshares pay a dividend?
Yes. The dividend yield is about 2.77%, and it has paid dividends for 10 years in our data.
Is Trico Bancshares a good stock to buy?
We do not give buy or sell advice. Trico Bancshares scores 2.8 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.