TCBK

BULLISH

$50.0 Live

TriCo Bancshares · NASDAQ

Target $54.5 (+9.0%)

$36.32 52W Range $53.18

TCBK TriCo Bancshares - Fundamental Analysis

BULLISH

Console Chart News

TCBK Stock | Fundamental Analysis & Investment Insights

NASDAQ • Financial Services • Banks - Regional

Current Price Live

$50.0

Analyst Target

$54.5

+9.0% Upside

52W High

$53.18

52W Low

$36.32

Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers Insiders SEC Filings

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 21, 2026

Market cap

$1.61B

P/E

13.51

ROE

9.5%

Profit margin

30.0%

Debt/Equity

N/A

Dividend yield

2.82%

AI Analysis

AI-powered fundamental assessment

Confidence

80%

TCBK exhibits strong fundamental value with a Piotroski F-Score of 4/9 (Stable) and is trading significantly below both its Graham Number ($58.47) and estimated Intrinsic Value ($109.15). While the technical trend is heavily bearish (10/100), the company demonstrates robust earnings growth (17.2% YoY) and a consistent track record of beating analyst estimates. The valuation metrics, specifically the P/E of 13.51 and P/B of 1.22, suggest the stock is undervalued relative to its growth profile. However, the bearish price action and exposure to Commercial Real Estate (CRE) necessitate a cautious entry.

Key Strengths

Significant undervaluation relative to Graham Number and Intrinsic Value

Strong earnings growth (17.2% YoY) and consistent EPS beats (3/4 last 4 quarters)

Healthy ROA of 1.25%, which is a key efficiency metric for regional banks

Sustainable dividend profile with a conservative 37.3% payout ratio

Low Price-to-Book ratio (1.22) providing a margin of safety

Key Risks

Severe bearish technical trend (10/100) indicating strong short-term selling pressure

Exposure to Commercial Real Estate (CRE) and credit loss management under CECL

Moderate Piotroski F-Score (4/9) suggests room for improvement in financial health

Lack of recent insider buying activity to signal confidence

Sensitivity to Net Interest Margin (NIM) fluctuations in a volatile rate environment

AI Fair Value Estimate

Based on comprehensive analysis

$68.5

+37.0% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall

Strong

Value

Future

Past

Health

Dividend

AI Verdict

Strong Value Play with Technical Headwinds

Key drivers: Deep valuation discount, Consistent earnings surprises, Regional bank sector risks

Confidence

85%

Value

90/100

Ref P/E, PEG, Graham Number

Positives

Price $50 is below Graham Number $58.47
P/E of 13.51 is attractive for 17% earnings growth

Watchpoints

PEG ratio of 1.94 suggests growth is not 'dirt cheap'

Future

75/100

Ref Growth rates

Positives

Strong YoY earnings growth (17.2%)
Positive forward P/E trend (11.86)

Watchpoints

Regional banking headwinds regarding CRE

Past

85/100

Ref Historical trends

Positives

Strong 1Y return (+39.7%)
Consistent history of beating EPS estimates

Watchpoints

Occasional large misses in 2020/2023

Health

50/100

Ref Altman Z-Score, Piotroski F-Score

Positives

Piotroski score of 4/9 is stable

Watchpoints

F-Score is not in the 'Strong' range (7-9)
Altman Z-Score not applicable for banking

Dividend

65/100

Ref Yield, Payout

Positives

Sustainable payout ratio (37.3%)
Consistent dividend rate

Watchpoints

Yield (2.82%) is modest compared to some regional peers

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price

$50.0

Analyst Target

$54.5

Upside/Downside

+9.0%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for TCBK and closest competitors.

Updated 2026-04-20

Company	5Y	3Y	1Y	6M	1M	1W
TCBK TriCo Bancshares Primary	+26.1%	+43.6%	+39.7%	+19.9%	+8.5%	-0.2%
STBA S&T Bancorp, Inc. Peer	+62.5%	+71.4%	+31.8%	+28.4%	+11.5%	+0.8%
BSTZ BlackRock Science and Technology Term Trust Peer	+4.5%	+76.4%	+17.1%	+13.7%	-0.8%	-0.1%
HOPE Hope Bancorp, Inc. Peer	+6.0%	+53.1%	+39.5%	+22.3%	+16.7%	+3.2%
LKFN Lakeland Financial Corporation Peer	+1.1%	+12.2%	+20.1%	+1.4%	+7.3%	+4.8%

TCB

TriCo Bancshares

Primary

+26.1%

+43.6%

+39.7%

+19.9%

+8.5%

-0.2%

STB

S&T Bancorp, Inc.

Peer

+62.5%

+71.4%

+31.8%

+28.4%

+11.5%

+0.8%

BST

BlackRock Science and Technology Term Trust

Peer

+4.5%

+76.4%

+17.1%

+13.7%

-0.8%

-0.1%

HOP

Hope Bancorp, Inc.

Peer

+6.0%

+53.1%

+39.5%

+22.3%

+16.7%

+3.2%

LKF

Lakeland Financial Corporation

Peer

+1.1%

+12.2%

+20.1%

+1.4%

+7.3%

+4.8%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

13.51

11.86

1.94

1.22

3.96

3.93

N/A

$1.61B

Profitability

Profit margins and return metrics

Profit Margin 29.96%

Operating Margin 43.13%

Gross Margin N/A

ROE 9.54%

ROA 1.25%

Growth

Revenue and earnings growth rates

Revenue Growth +6.6%

Earnings Growth +17.2%

Q/Q Revenue Growth +8.64%

Q/Q Earnings Growth +15.8%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity

N/A

Current Ratio

N/A

Quick Ratio

N/A

Cash/Share

$2.89

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue

$0.1B

Net Margin

31.4%

Total Assets

$9.8B

Liabilities

$8.5B

Equity

$1.3B

Debt/Equity

6.40x

Operating CF

$0.0B

CapEx

$-0.0B

Free Cash Flow

$0.0B

FCF Yield

98%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-04-23

$N/A

2026-01-22

$1.03

+3.6% surprise

2025-10-23

$1.04

+14.5% surprise

2025-07-24

$0.84

+3.1% surprise

Financial Services Sector Comparison

Comparing TCBK against 575 companies in the Financial Services sector (106 bullish, 236 neutral, 233 bearish)

P/E Ratio

13.51

This Stock

41.79

Sector Avg

-67.7% (Discount)

Return on Equity (ROE)

9.54%

This Stock

-0.09%

Sector Avg

-10313.0% (Below Avg)

Profit Margin

29.96%

This Stock

48.12%

Sector Avg

-37.7% (Weaker)

Revenue Growth

6.6%

This Stock

39.47%

Sector Avg

-83.3% (Slower)

Similar Companies

Peer comparison within the same industry

Company	AI Rating	Market Cap	P/E	ROE	Profit Margin	Price
TCBK TriCo Bancshares	BULLISH	$1.61B	13.51	9.5%	30.0%	$50.0
STBA S&T Bancorp, Inc.	NEUTRAL	$1.62B	12.65	9.4%	34.0%	$44.15	Compare
BSTZ BlackRock Science and...	BEARISH	$1.6B	3.64	-%	-%	$22.64	Compare
HOPE Hope Bancorp, Inc.	NEUTRAL	$1.62B	25.82	2.8%	13.5%	$12.65	Compare
LKFN Lakeland Financial Corporation	NEUTRAL	$1.59B	15.18	14.3%	40.2%	$60.88	Compare

TCBK TriCo Bancshares

BULLISH

Mkt Cap

$1.6B

P/E

13.5

ROE

9.5%

Price

$50.0

STBA S&T Bancorp, Inc.

Compare with TCBK

Compare with TCBK

HOPE Hope Bancorp, Inc.

Compare with TCBK

Compare with TCBK

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

Date	Insider	Position	Transaction	Shares	Value
2026-03-30	BAILEY DANIEL K	Officer	Stock Award	1,267	-
2026-03-30	WIESE PETER G	Chief Financial Officer	Stock Award	1,661	-
2026-03-30	CARNEY CRAIG BRAIN	Officer	Stock Award	1,209	-
2026-03-30	GEHLMANN GREGORY A	General Counsel	Stock Award	761	-
2026-03-02	BAILEY DANIEL K	Officer	Stock Award	1,500	-
2026-03-02	WIESE PETER G	Chief Financial Officer	Stock Award	1,966	-
2026-03-02	CARNEY CRAIG BRAIN	Officer	Stock Award	1,432	-
2026-03-02	GEHLMANN GREGORY A	General Counsel	Stock Award	902	-
2026-03-02	SMITH RICHARD PETER	Chief Executive Officer	Stock Award	4,554	-
2025-12-01	FLESHOOD JOHN S	Chief Operating Officer	Stock Award	3,533	-
2025-12-01	BAILEY DANIEL K	Officer	Stock Award	4,036	-
2025-12-01	WIESE PETER G	Chief Financial Officer	Stock Award	3,759	-
2025-12-01	GEHLMANN GREGORY A	General Counsel	Stock Award	1,704	-
2025-12-01	CARNEY CRAIG BRAIN	Officer	Stock Award	3,810	-
2025-12-01	SMITH RICHARD PETER	Chief Executive Officer	Stock Award	12,244	-

BAILEY DANIEL K

Officer

Stock Award

2026-03-30

1,267 shares

WIESE PETER G

Chief Financial Officer

Stock Award

2026-03-30

1,661 shares

CARNEY CRAIG BRAIN

Officer

Stock Award

2026-03-30

1,209 shares

GEHLMANN GREGORY A

General Counsel

Stock Award

2026-03-30

761 shares

BAILEY DANIEL K

Officer

Stock Award

2026-03-02

1,500 shares

WIESE PETER G

Chief Financial Officer

Stock Award

2026-03-02

1,966 shares

CARNEY CRAIG BRAIN

Officer

Stock Award

2026-03-02

1,432 shares

GEHLMANN GREGORY A

General Counsel

Stock Award

2026-03-02

902 shares

SMITH RICHARD PETER

Chief Executive Officer

Stock Award

2026-03-02

4,554 shares

FLESHOOD JOHN S

Chief Operating Officer

Stock Award

2025-12-01

3,533 shares

BAILEY DANIEL K

Officer

Stock Award

2025-12-01

4,036 shares

WIESE PETER G

Chief Financial Officer

Stock Award

2025-12-01

3,759 shares

GEHLMANN GREGORY A

General Counsel

Stock Award

2025-12-01

1,704 shares

CARNEY CRAIG BRAIN

Officer

Stock Award

2025-12-01

3,810 shares

SMITH RICHARD PETER

Chief Executive Officer

Stock Award

2025-12-01

12,244 shares

Insider transactions can signal confidence or concerns about company prospects

SEC Filings

Recent regulatory filings from the SEC EDGAR database

DEF 14A

2026-04-17

TC Banking Corp (TCBK) filed a definitive proxy statement on April 17, 2026, providing shareholders with necessary information to vote on matters at the company's annual meeting.

10-K

2026-03-02

TCBK's 10-K filing dated March 2, 2026, indicates a focus on standard banking operations, monitoring key metrics such as net interest margin (NIM) and nonperforming assets (NPA). While specific financial results were not provided in the excerpts, the company's risk profile includes credit loss management under CECL and exposure to commercial real estate (CRE).

8-K

2026-02-23

TC Bancorp filed an 8-K on February 23, 2026, likely to announce its fourth quarter and full-year financial results.

8-K

2026-01-22

TC Bancorp, Inc. likely reported its quarterly or annual financial results in this filing.

8-K

2025-12-05

TC Bancorp, Inc. filed an 8-K on December 5, 2025, likely to report quarterly financial results or announce a dividend declaration.

8-K

2025-11-25

10-Q

2025-11-10

TCBK conducted share repurchases between July and September 2025, acquiring 64,727 shares at prices ranging from $42.37 to $45.43, with 296,164 shares remaining available for purchase under existing plans. The company directs investors to its March 3, 2025, Form 10-K for a comprehensive disclosure of risk factors.

8-K

2025-10-23

TC Bancorp, Inc. likely reported its third-quarter financial results.

8-K

2025-08-25

TC Bancorp filed an 8-K likely announcing its second-quarter financial results.

10-Q

2025-08-11

TCBK repurchased 391,520 shares between April and June 2025 at an average price of $40.09, with 360,891 shares remaining available for purchase under existing plans as of June 30, 2025. Investors are directed to the company's 2024 Annual Report and current 10-Q filing for a comprehensive evaluation of risk factors.

8-K

2025-07-24

8-K

2025-06-06

8-K

2025-05-27

8-K

2025-05-27

10-Q

2025-05-12

Data sourced from SEC EDGAR. AI summaries generated automatically.

Wall Street Analysts

Professional analyst ratings and price targets

Consensus

BUY

6 analysts

Piper Sandler

2026-01-26

Maintains

Overweight Overweight

Stephens & Co.

2026-01-26

Maintains

Overweight Overweight

Keefe, Bruyette & Woods

2026-01-26

Maintains

Market Perform Market Perform

DA Davidson

2026-01-23

Maintains

Neutral Neutral

Keefe, Bruyette & Woods

2025-10-27

Maintains

Market Perform Market Perform

Raymond James

2025-10-24

reit

Outperform Outperform

Past News Coverage

Recent headlines mentioning TCBK from our newsroom.

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TCBK

TCBK TriCo Bancshares - Fundamental Analysis

At a glance

AI Analysis

Key Strengths

Key Risks

Performance Snowflake

Stock Price & Analyst Targets

Multi-Horizon Performance vs Peers

Historical Performance Trends

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Valuation Metrics

Profitability

Growth

Financial Health

Financial Statement Flow

Quarterly Earnings History

Financial Services Sector Comparison

Similar Companies

Recent Insider Trading

SEC Filings

Wall Street Analysts

Past News Coverage

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