Is TriCo Bancshares (TCBK) Overvalued?
We dive into why TriCo Bancshares (TCBK) could be considered overvalued on 2026-08-06, based on AAII’s Value Score and Grade.Tudor Pop
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COMPANY SUMMARY
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.
Commentary & Analysis
What You Need to Know About TriCo Bancshares's Q3 Earnings
TriCo Bancshares's fiscal Q3 earnings report was released on Thursday, July 23. Let's dive in to see if (TCBK) missed or beat analyst's expectations.Michael Rose
Why TriCo Bancshares’s (TCBK) Stock Is Up 10.53%
As of Monday, July 13, TriCo Bancshares’s TCBK share price has surged by 10.53%, which has investors questioning if this is right time to sell.Jenna Brashear
Why TriCo Bancshares’s (TCBK) Stock Is Up 9.84%
As of Monday, July 13, TriCo Bancshares’s TCBK share price has surged by 9.84%, which has investors questioning if this is right time to sell.Rosalio Madrigal
What You Need to Know About TriCo Bancshares's Q2 Earnings
TriCo Bancshares's fiscal Q2 earnings report was released on Thursday, April 23. Let's dive in to see if (TCBK) missed or beat analyst's expectations.Jenna Brashear
Financial Summary
| Share Statistics | TCBK | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $1,779.9 | $751.0 | 52% |
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| Shares Out (Mil) | 32.1 | 15.4 | 38% |
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| Institutional Ownership | 94.0% | 83.2% | 64% |
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| Float (Mil) | 30.3 | 21.8 | 36% |
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| Beta | 0.62 | 0.43 | 36% |
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| Avg Daily Volume (000s) | 221 | 42 | 45% |
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| Price Change (52-week) |
30.1% | 94.6% | 69% |
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| Growth | TCBK | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 8.5% | 7.7% | 52% |
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| Net Income (5yr) | 13.4% | 11.1% | 60% |
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| EPS (5yr) | 11.4% | 10.1% | 49 |
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| Dividends (5yr) | 9.4% | 3.6% | 85% |
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| Cash Flow (5yr) | (51.0%) | (17.1%) | 7% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 5 | 5 | 5 | |
| Current EPS | $1.086 | $4.292 | $4.382 | |
| Month Ago EPS | $1.065 | $4.220 | $4.343 | |
| # Rev Up | 1 | 1 | 1 | |
| # Rev Down | 0 | 0 | 0 | |
| Three Months Ago EPS | $1.065 | $4.218 | $4.348 | |
| Year/Year Chg | 2.5% | 16.0% | na | |
| Financials | TCBK | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $426 | $196 | 39% |
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| Net Income (TTM) (Mil) | $136 | $55 | 64% |
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| EPS (TTM) | $4.198 | $2.600 | 84% |
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| Operating Cash Flow (TTM) (Mil) | $138 | $36 | 55% |
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| Net Cash Flow (TTM) (Mil) | ($209) | $2 | 10% |
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| Long-Term Debt (Q1) (Mil) | $64 | $101 | 41% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | TCBK | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.32 | 1.25 | 33% |
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| P/E | 13.3 | 12.5 | 31% |
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| Dividend Yield | 2.6% | 2.2% | 82% |
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| PEG (5yr hist) | 1.2 | 1.1 | 51% |
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| Ratios | TCBK | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 63.7% | na |
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| Net Margin | 31.8% | 29.1% | 90% |
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| ROA | 1.4% | 1.1% | 51% |
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| ROE | 10.4% | 11.3% | 58% |
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| Liabilities to Assets | 86.5% | 89.7% | 80% |
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| F-Score | 6 | 4 | 67% |
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Passing Stock Screens
As of 8/20/2026, from a list of 60 stock screening strategies,
GURU STRATEGY
Graham--Defensive Investor (Utility) Screen
Factors: Yield, Value, Quality, Industry/Sector
Graham's approach leads to three separate screens that focus on the concept of intrinsic value, justified by a firm's financial strength.
| Performance Since Inception: | 6.9% |
| +/- S&P 500: | -0.6 |
FACTOR STRATEGY
P/E Relative Screen
Factors: Value, Earnings Estimates
A screen that looks at the relationship of a stock's price-earnings ratio to that of the industry and market.
| Performance Since Inception: | 13.7% |
| +/- S&P 500: | +6.2 |
