TRICO BANCSHARES (TCBK)
Financials · regional banking · NASDAQ
A California-based regional bank holding company providing comprehensive commercial and consumer banking services.
What TRICO BANCSHARES does
TriCo Bancshares is a financial holding company that operates Tri Counties Bank, providing a range of consumer and commercial banking services. The company's offerings include deposit products, commercial real estate loans, residential mortgage loans, small business administration loans, and asset management services. It primarily serves customers across Northern and Central California.
Themes: regional banking, commercial real estate lending, consumer deposits, wealth management
Fundamentals
- Price$51.91 as of 2026-10-08 close
- Market cap$1.7B as of 2026-08-05 (share count; price 2026-10-08)
- 1-year return+19.0% 2025-10-08 close $43.61 → 2026-10-08 close $51.91
- P/E12.44 as of 2026-10-08
- Net margin+227.4% FY2025, SEC XBRL
- ROE+9.2% FY2025, SEC XBRL
- Debt / equity0.04 as of 2026-09-02
- Revenue growth (YoY)+31.5% as of 2026-09-02
- Revenue CAGR (3y)+3.3% SEC XBRL
- Beta0.76 as of 2026-09-02
- Last reported earnings2026-07-23 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +2.7%; at least 4 years of non-decreasing per-share dividends (SEC XBRL) — we do not hold the year before it, so the real streak may be longer.
How TCBK compares in its sector
- price-to-earnings ratiomiddle range 513 covered Financials peers, as of 2026-10-08
- net profit margintop 10% 344 covered Financials peers, as of 2026-09-02
- return on equitymiddle range 559 covered Financials peers, as of 2026-09-02
- 3-year revenue CAGRmiddle range 347 covered Financials peers
- indicated dividend yieldmiddle range 468 covered Financials peers, as of 2026-09-02
- free cash flow (absolute dollars, latest fiscal year)middle range 430 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Dividend coverage (FY2025)
Covered by reported results. In FY2025, TCBK's dividend was covered by reported results (earnings payout 37%, free-cash-flow payout 35%). This describes past coverage, not a forecast.
- Earnings payout37% dividends / net income
- Free-cash-flow payout35% dividends / (operating cash flow − capex)
Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.
How TRICO BANCSHARES looks technically
TRICO BANCSHARES (TCBK) is trading 0.6% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 275 trading days ago — a "golden cross", a bullish long-term signal. A strong downtrend is in place — ADX, a 0–100 trend-strength gauge, is 40, with sellers in control. Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 43, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bullish about 5 trading days ago (its momentum flipped positive). It made a new 20-day low about 7 trading days ago. It is 15.9% below its highest point of the past year.
Trend
8
| Distance from the 200-day | it is trading 0.6% above its 200-day average, the long-term trend line — a longer-term uptrend | +0.6% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $54.44 | $54.44 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $51.61 | $51.61 |
| Swing structure | its recent peaks and dips disagree — one of them is rising while the other is not, so there is no clean up or down pattern in the swings | mixed — one of the two is not confirming |
| Last swing turn | its last significant turn was a swing low 7 calendar days ago — the swings before that are what the structure reading is measured on | 7 sessions |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 275 trading days ago — a "golden cross", a bullish long-term signal | 275 sessions |
| Above the 200-day after a dip | it recently dipped to its 200-day average (the long-term trend line) and has since climbed back above it — now about 0.6% above | +0.6% |
| Trend strength (14-day ADX) | a strong downtrend is in place — ADX, a 0–100 trend-strength gauge, is 40, with sellers in control | 40.1 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 43, neither overbought (above 70) nor oversold (below 30) | 42.6 |
|---|---|---|
| Position in its 14-day range | it is trading in the lower half of its 14-day range ($50.46 to $54.07) — its "stochastic" reading is 40 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions. | 40.2 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, turned bullish about 5 trading days ago (its momentum flipped positive) | 5 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $61.71 | $61.71 |
|---|---|---|
| From the 52-week high | it is 15.9% below its 52-week high (its highest price of the past year) | -15.9% |
| Above the 52-week low | it is 28.4% above its 52-week low (its lowest price of the past year) | +28.4% |
| Below the 52-week high | it is 15.9% below its highest point of the past year | 15.9% |
| Since a 20-day breakout | it made a new 20-day low about 7 trading days ago | 7 sessions |
| Since a 55-day breakout | it made a new 55-day low about 7 trading days ago | 7 sessions |
| All-time high | its highest closing price on record is $61.71 (set on 2026-07-16) | $61.71 |
| Given back of the 52-week move | over the past year its closes ranged ($40.74 to $61.62), and it has given back around half of its rise from last year’s low — 47% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $48.05 to $48.72. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 46.5% |
| From the all-time high | it is 15.9% below its all-time high | -15.9% |
| Nearest price level | it is trading 0.6% above a support level at $51.61 — a price it turned at 7 times since 2026-01-22, most recently on 2026-07-08. Since 2024-10-08 it has 10 such levels below the current price and 3 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | -0.6% |
| All-time low | its lowest closing price on record is $9.55 (set on 2008-07-15) | $9.55 |
| Above the all-time low | it is 443.6% above its all-time low | +443.6% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are about average versus its own recent 6-month history | 38th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.9748 between its high and its low — about 1.9% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $0.9748 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $50.75 and $54.20 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $50.75 – $52.48 – $54.20 |
| Typical daily range (% of price) | its price moves about 1.9% in a typical session — among the calmest in the catalog. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 1.9% |
| Stretch from the 200-day average | it is trading 0.3 daily ranges above its 200-day average price (0.6% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 0.3 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 0.85× |
|---|
Analyst
2
| Change in the average price target | analysts have cut their average price target by 5.3% since the prior reading | -5.3% |
|---|---|---|
| Change in the consensus rating | not available for this company yet | n/a |
Candlestick patterns
2
| Since a doji | 9 sessions ago it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | 9 sessions ago |
|---|---|---|
| Since a bullish engulfing | today it opened below the previous session's close and finished above that session's open — a "bullish engulfing" pair, where one up day more than undid the down day before it | today |
Price gaps
1
| Gap at the open | it opened on 2026-10-08 0.4% below the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | -0.4% |
|---|
Price streaks
1
| Closing streak | it closed higher in its latest session, after a session that did not close higher — a single up day rather than a run | 1 session up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 4.9 percentage points (the stock lost 3.8% while the market gained 1.0%) | -4.9% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock lagged the market by 4.8 percentage points (the stock lost 1.0% while the market gained 3.8%) | -4.8% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 10.9 percentage points (the stock gained 6.5% while the market gained 17.5%) | -10.9% |
| vs market, 12 months | over the past 12 months this stock beat the market by 4.1 percentage points (the stock gained 19.0% while the market gained 15.0%) | +4.0% |
Signal agreement
2
| Bullish technical signals | 3 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average, MACD momentum is positive — these describe past price behaviour, not a forecast | 3 of 9 |
|---|---|---|
| Bearish technical signals | 3 of the 9 technical signals we can compute for it are currently in a bearish state: a strong downtrend, with sellers in control, lagging the market over 6 months, trading below the Ichimoku cloud — these describe past price behaviour, not a forecast | 3 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 5.7% below the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-09-01 and projected forward over today's price, the side traders read as an established downtrend, with the band above acting as the level that would have to be cleared. The band itself is moderate, spanning 2.5% of the share price. | -5.7% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 3% below the average price paid so far this year, so the typical buyer over that stretch is under water. That average is $53.77 — a volume-weighted average of daily closes over 190 sessions, not a true tick-by-tick VWAP. | -3.5% |
|---|---|---|
| Vs the average paid since it last reported | the price is 5% below the average price paid since it last reported on 2026-07-23 (its 8-K), so the typical buyer over that stretch is under water. That average is $54.80 — a volume-weighted average of daily closes over 55 sessions, not a true tick-by-tick VWAP. | -5.3% |
Head and shoulders, bearish — broke down · entry $52.80 · 69 sessions in
Price levels it has turned at before
TCBK last closed at $51.91 on 2026-10-08. Since 2024-10-08 it has turned at 10 prices below its last close and 3 above; the 3 nearest below and the 3 nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $51.61 | Support | 0.6% below the last close | turned there 7 times · 2026-01-22 to 2026-07-08 |
| $52.88 | Resistance | 1.9% above the last close | turned there four times · 2026-02-04 to 2026-09-30 |
| $50.55 | Support | 2.6% below the last close | turned there 7 times · 2024-11-06 to 2026-10-01 |
| $48.85 | Support | 5.9% below the last close | turned there four times · 2026-01-28 to 2026-06-03 |
| $55.00 | Resistance | 6.0% above the last close | turned there twice · 2026-07-02 to 2026-09-04 |
| $58.70 | Resistance | 13.1% above the last close | turned there twice · 2026-08-04 to 2026-08-14 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
No Elliott-wave labelling currently fits its swings: the recent highs and lows do not satisfy the three rules a five-wave count has to obey, so there is no count to show rather than a count we are unsure about.
Read from daily closes as of 2026-10-08.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Near 200-day moving-average support · Trading above the 200-day moving average · MACD just crossed bullish (12/26/9) · Analyst price target recently CUT · lagging the market · Printed a bullish engulfing pair | Learn: moving average · golden cross · adx · rsi · macd · breakout · fifty two week high low
Based on daily closing prices as of 2026-10-08. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Consensus ratingHold (2.67 mean, 1=Strong Buy…5=Strong Sell) — 5 analysts
- Mean price target$59.51 range $55.00 – $67.04; median $56.50
Analyst estimates, as of 2026-10-06. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for TCBK
- Consensus EPS estimate$1.09 next reporting period, as of 2026-10-06
- Estimate change, 30 days$0.00 (0.0%) from $1.09, on 2026-09-01, 35-day window
- Readings revised upward0% of 8 comparable readings
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["fluctuations in interest rates affecting net interest margin","credit risk related to commercial real estate and loan portfolios","dependence on economic conditions in Northern and Central California"]
What changed in the latest 10-Q
AI-assisted comparison of TCBK's 10-Q filed 2026-05-08 against the prior one filed 2025-11-10.
Management's Discussion & Analysis (MD&A)
- Added:
- Added reference to 'the uncertainty of rapidly evolving and changing U.S. trade policies and practices' as a standalone risk factor (newer filing, 2026-05-08)
- Added 'the impact of alternative currencies such as stablecoin and other cryptocurrencies on our ability to attract deposits' as a risk factor (newer filing, 2026-05-08)
- Added 'potential changes to loss allocations between financial institutions and customers, including for losses incurred from the use of our products and services, including electronic payments and payment of checks, that were authorized by the customer but induced by fraud' (newer filing, 2026-05-08)
- Added 'our ability to control expenses' to the risk factor regarding future operating or financial performance (newer filing, 2026-05-08)
- Added reference to Form 10-K 'for the year ended December 31, 2025' (newer filing, 2026-05-08)
- Removed:
- Removed separate detailed paragraph about 'the rapidly evolving and changes in U.S. trade policies and practices' that discussed tariff amounts, duration, and impacts (older filing, 2025-11-10)
- Removed 'the new U.S. administration' descriptor from the macroeconomic risk factor (older filing, 2025-11-10)
- Removed 'significant volatility and disruptions in financial markets, a resurgence of inflation' and replaced with more general language (older filing, 2025-11-10)
- Removed 'increases in interest rates and' from the risk factors (older filing, 2025-11-10)
- Removed 'adverse developments in the financial services industry generally such as bank failures' and replaced with 'systemic or non-systemic bank failures or crises' (older filing, 2025-11-10)
- Removed reference to 'third-party vendors' and added 'third- and fourth-party vendors' (older filing, 2025-11-10)
- Removed reference to Form 10-K 'for the year ended December 31, 2024' (older filing, 2025-11-10)
- Reworded:
- Changed 'actual or potential policies and actions from the new U.S. administration, such as tariffs, and reciprocal actions' to 'actual or potential policies and actions from the U.S. administration, such as tariffs and reciprocal actions' (removed 'new' descriptor)
- Changed 'adverse developments in the financial services industry generally such as bank failures and any related impact' to 'systemic or non-systemic bank failures or crises and any related impact' (broader characterization of failures)
- Changed 'the costs or effects of mergers, acquisitions or dispositions we may make' to 'the costs or effects of mergers, acquisitions or dispositions, as well as whether we are able to obtain' (restructured clause)
- Changed 'the systems of third-party vendors or other service providers' to 'the systems of third- and fourth-party vendors or other service providers' (expanded vendor scope)
- Integrated trade policy uncertainty discussion into main bullet point rather than separate paragraph
- Notes:
- The older filing text appears truncated at the end; comparison of the 'General' section is complete but the full reconciliation discussion may be incomplete
- Changes reflect substantive reorganization of trade policy risk disclosure from a separate detailed paragraph to integration within the main macroeconomic risks bullet point
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
No open-market insider purchases or sales are on record for TCBK — recent Form 4 activity was compensation-related (awards, option exercises, or tax withholding), not open-market buying or selling.
View full insider trading history → View SEC Form 3/4/5 filingsOnly open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
5 institutional 13F filers reported holding TCBK as of 2026-06-30 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 6,625,654
- Reported value $356,791,482
reported quarterly holdings change (2026-03-31 → 2026-06-30): 0 new, 4 increased, 1 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Ask about TCBK's institutional holders → See what each manager we track holds →
Short interest (FINRA)
TCBK had 1,476,674 shares of reported short interest as of the 2026-09-15 FINRA settlement date (delayed, bi-monthly; not real-time).
TCBK had 4.62% of its shares outstanding sold short as of the 2026-09-15 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 6.25 days to cover at the same settlement.
- Reported short interest (shares) 1,476,674
- Short interest (% of shares outstanding) 4.62%
- Prior settlement (shares) 1,361,225
- Reported change 8.48%
- Days to cover (reported) 6.25
Reported to FINRA as of the 2026-09-15 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- Wells Fargo (WFC)
- U.S. Bancorp (USB)
- Bank of America (BAC)
- JPMorgan Chase (JPM)
- First Interstate BancSystem (FIBK)
- Cathay General Bancorp (CATY)
- Pacific Premier Bancorp (PPBI)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
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Frequently asked questions
What does TRICO BANCSHARES (TCBK) do?
TriCo Bancshares is a financial holding company that operates Tri Counties Bank, providing a range of consumer and commercial banking services. The company's offerings include deposit products, commercial real estate loans, residential mortgage loans, small business administration loans, and asset management services. It primarily serves customers across Northern and Central California.
What sector is TRICO BANCSHARES (TCBK) in?
TRICO BANCSHARES (TCBK) is classified in the Financials sector. Its industry is regional banking. It trades on NASDAQ.
Does TCBK pay a dividend?
Yes — TRICO BANCSHARES (TCBK) pays a dividend, with an indicated yield of about 2.69% and at least 4 years of non-decreasing per-share dividends (SEC EDGAR XBRL) — we do not hold the year before it, so the real streak may be longer (market data, as of 2026-09-02). Informational only — not financial advice.
Who are TRICO BANCSHARES's (TCBK) competitors?
Notable peers of TRICO BANCSHARES (TCBK) include Wells Fargo, U.S. Bancorp, Bank of America, JPMorgan Chase and First Interstate BancSystem. This peer set is informational only — not financial advice.
Is TRICO BANCSHARES (TCBK) overbought or oversold right now?
TRICO BANCSHARES (TCBK) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 43, in the neutral middle (as of 2026-10-08). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on TCBK come from?
Fundamentals come from SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-02 for the rest; prices are market data, as of 2026-09-02; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-02 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-10-08.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.