# TriCo Bancshares (TCBK) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Banks. Price $54.40, market value $1.7 billion.

## Valuation
- **P/E (trailing): 13.0×** (5-yr avg 11.5×, 3-yr avg 12.0×). TriCo Bancshares trades at 13.0× trailing earnings, close to its own five-year average of 11.5×. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 12.4×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 1.79**. A PEG of 1.79 is in the range usually read as fairly priced for its growth.
- **Price / sales: 32.0×**. Each dollar of revenue is priced at 32.0×, a level that requires very high margins or very fast growth to justify.
- **Price / book: 1.3×**. The shares trade at 1.3× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 7.7%** (5-yr avg 9.6%). Free cash flow equals 7.7% of the market value, below its five-year average of 9.6%, so the shares are pricier on cash than usual. Above 5% is generally attractive.
- **Earnings yield: 7.7%**. The inverse of the P/E: 7.7% of the price is earned each year.

## Profitability
- **Net margin: 227.4%**. 227.4% of each dollar of sales reaches the bottom line.
- **Return on equity: 9.2%**. 9.2% on shareholders' equity is weak; the business earns little on the capital its owners have in it.
- **Return on assets: 1.4%**. Each dollar of assets produces 1.4% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 4.1%** (3-yr 2.4%/yr, 5-yr 7.1%/yr). Revenue grew 4.1% over the last year, against 7.1% a year compounded over five years: growth is slowing.
- **EPS growth (1 yr): 6.9%** (3-yr -1.1%/yr, 5-yr 11.4%/yr). Earnings per share rose 6.9%, roughly in step with revenue.
- **Free-cash-flow growth (3 yr): -7.0%/yr**. Free cash flow has compounded at -7.0% a year over three years, lagging earnings: check whether profits are turning into cash.

## Financial health
- **Piotroski F-score: 6/9**. 6 of 9 checks pass: mixed.

## Dividends
- **Dividend yield: 2.65%** ($1.44 per share, trailing). TriCo Bancshares yields 2.65%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 37%** (35% of free cash flow). 37% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 14**. 14 straight years of increases, a record that survived at least one recession.
- **Dividend growth (5 yr): 9.4%/yr** (1-yr 4.5%). The dividend has grown 9.4% a year over five years.

## Price and momentum
- **Total return (1 yr): 21.8%** (YTD 16.5%, 3-mo 7.3%). The shares are up 21.8% over twelve months including dividends.
- **From 52-week high: -11.8%** (34.5% above the low). Trading 12% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 43**. An RSI of 43 is neutral.
- **Beta (1 yr): 0.54** (volatility 25%). Beta of 0.54 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=TCBK · Page: https://foliofundamentals.com/stocks/tcbk

Not investment advice.