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TriCo Bancshares (TCBK)
Financial Services · Banks - Regional · NasdaqGS
TriCo Bancshares revenue & earnings — last 10 fiscal years
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $33.23M | $37.42M | $38.46M | $40.42M | $37.98M | $43.95M | $402.52M | $411.13M | $388.76M | $411.34M |
| Gross profit | — | — | — | — | — | — | — | — | — | — |
| Net income | $44.81M | $40.55M | $68.32M | $92.07M | $64.81M | $117.66M | $125.42M | $117.39M | $114.87M | $121.56M |
| Net margin | 134.9% | 108.4% | 177.6% | 227.8% | 170.6% | 267.7% | 31.2% | 28.6% | 29.5% | 29.6% |
Source: TriCo Bancshares SEC filings (10-K). 17 years of history available in the interactive view.
What growth is priced into TCBK stock?
At today's market cap of $1.67B, TriCo Bancshares is priced for free-cash-flow growth of about 1.9% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $127.93M from the FY ending 2025-12-31). For comparison, free cash flow actually grew 2.7%/yr over the last five fiscal years and revenue 61%/yr, computed from its SEC filings. This is a reverse DCF — a translation of the price into a growth assumption you can judge, not a fair value and not advice. Change the assumptions yourself in the interactive view →
Explore 17 years of TriCo Bancshares financials — interactive
Full income statement, balance sheet and cash flow with CAGR and trend on every row, 48 quarters, valuation ratios, plain-English health checks, and Ask — our SEC-grounded research assistant.
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TriCo Bancshares financial history by metric
About TriCo Bancshares
TriCo Bancshares operates as a bank holding company for Tri Counties Bank that provides commercial and retail banking services to individual and corporate customers. The company accepts demand, savings, and time deposits; and offers checking, specialized, money market, education, health savings, certificate of deposit, and business and public funds savings accounts, as well as individual retirement accounts. It also offers small business loans; real estate mortgage loans, such as residential and commercial loans; consumer loans; mortgage, auto, and personal loans; commercial loans, including agricultural loans; motorcycle, RV, boat, and other vehicle loans; and real estate construction loans. In addition, the company provides treasury management services; credit and debit cards; other customary banking services comprising safe deposit boxes; and brokerage and wealth management services. Further, it offers equipment financing, digital banking, overdraft, and payment processing services. The company was founded in 1975 and is headquartered in Chico, California.
TriCo Bancshares — frequently asked questions
What is TriCo Bancshares's revenue?
TriCo Bancshares (TCBK) reported revenue of $411.34M for fiscal year 2025, up 5.8% from the prior year, according to its SEC filings.
Is TriCo Bancshares profitable?
Yes. TCBK earned net income of $121.56M in fiscal 2025, a net margin of 29.6%.
What is TCBK's P/E ratio?
TriCo Bancshares trades at a price-to-earnings ratio of about 13.2 based on the latest data in our nightly-refreshed cache.
How fast is TriCo Bancshares growing?
TCBK's revenue grew at roughly 61.0% per year over the last five fiscal years (compound annual growth rate), computed from SEC-filed statements.
How much debt does TriCo Bancshares have?
As of fiscal year 2025, TCBK carried roughly $52.95M in total debt (short- plus long-term borrowings), per its filed balance sheet.
What is TriCo Bancshares's market cap?
TriCo Bancshares (TCBK) has a market capitalization of about $1.67B, based on the latest data in our nightly-refreshed cache.
When does TriCo Bancshares's fiscal year end?
TCBK's fiscal year ends in December. Its most recent annual filing covers the fiscal year ending 2025-12-31.
What growth is priced into TCBK stock?
At today's market cap of $1.67B, TriCo Bancshares is priced for free-cash-flow growth of about 1.9% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $127.93M from the FY ending 2025-12-31). For comparison, free cash flow actually grew 2.7%/yr over the last five fiscal years and revenue 61%/yr, computed from its SEC filings.
Where does this data come from?
All figures are computed from TriCo Bancshares's official SEC filings (10-K and 10-Q), covering 17 years of history, refreshed nightly. stockportfolio.pro does not provide investment advice.