TRICO BANCSHARES (TCBK)
Financials · Regional banking · NASDAQ
A California-based regional bank offering traditional lending and deposit services, earning strong net margins from interest income and credit management.
What TRICO BANCSHARES does
TriCo Bancshares is a regional bank operating primarily in California, generating revenue from net interest income on loans and investment securities, along with non-interest income from service charges, fees, and asset management. The company holds a substantial loan portfolio of approximately $7.1 billion with a focus on credit risk management through rigorous underwriting and allowance for credit losses. The bank accepts deposits from customers and manages investment securities available-for-sale and held-to-maturity, with operations characterized by disciplined provisioning for loan losses and fee-based service offerings.
Themes: ["Regional banking / community finance","Credit risk management","California-focused markets","Deposit gathering and retail banking","Interest rate sensitivity and net interest margin"]
Fundamentals
- Price$53.25 as of 2026-07-09 close
- Market cap$1.7B as of 2026-07-10
- 1-year return+22.7% as of 2026-07-09 close
- P/E13.09 as of 2026-07-10
- Net margin+29.7% as of 2026-07-10
- ROE+9.9% as of 2026-07-10
- Debt / equity0.04 as of 2026-07-10
- Revenue growth (YoY)+31.5% as of 2026-07-10
- Revenue CAGR (3y)+3.3% SEC XBRL
- Beta0.64 as of 2026-07-10
Dividend: yield +2.7%; 4-year non-decreasing per-share dividend streak (SEC XBRL).
Key risks (from latest filing)
["Geographic concentration risk: majority of assets and business concentrated in California, exposing the bank to deterioration in California's economic conditions, real estate values, and demand for loans","Credit and allowance adequacy risk: allowance for credit losses may be insufficient to cover actual losses; CECL accounting methodology increases volatility based on forecasts and forward-looking assumptions that are inherently uncertain","Industry and climate exposure: credit portfolio concentrated in industries susceptible to long-term climate change, natural disasters, or pandemics that could impair borrower repayment capacity"]
Competitors & peers
- Western Alliance Bancorporation (WAL)
- Mechanics Bank
- Rabobank (California-focused agricultural and commercial bank)
- Santa Cruz County Bank
- Union Bank (operated by UnionBank parent)
Fundamentals: Finnhub, as of 2026-07-10. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-09.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date.