Trico Bancshares Financials
Financial Health Signals
Based on FY2024 annual data. Scores normalized against common benchmarks. How we calculate these scores
Trico Bancshares's revenue grew a modest 2.5% year-over-year to $51.3M. This slow but positive growth earns a score of 36/100.
Trico Bancshares has elevated debt relative to equity (D/E of 6.92), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.
Trico Bancshares converts 204.9% of revenue into free cash flow ($105.2M). This strong cash generation earns a score of 100/100.
Trico Bancshares's ROE of 9.4% shows moderate profitability relative to equity, earning a score of 38/100. This is down from 10.1% the prior year.
Trico Bancshares passes 5 of 9 financial strength tests. 3 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.
For every $1 of reported earnings, Trico Bancshares generates $0.96 in operating cash flow ($109.7M OCF vs $114.9M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.
This page shows Trico Bancshares (TCBK) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 16 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Key Financial Metrics
Trico Bancshares generated $51.3M in revenue in fiscal year 2024. This represents an increase of 2.5% from the prior year.
Trico Bancshares generated $105.2M in free cash flow in fiscal year 2024, representing cash available after capex. This represents a decrease of 21.5% from the prior year.
Trico Bancshares reported $114.9M in net income in fiscal year 2024. This represents a decrease of 2.1% from the prior year.
Trico Bancshares earned $3.46 per diluted share (EPS) in fiscal year 2024. This represents a decrease of 1.7% from the prior year.
Trico Bancshares held $145.0M in cash against $0 in long-term debt as of fiscal year 2024.
Trico Bancshares paid $1.32 per share in dividends in fiscal year 2024. This represents an increase of 10.0% from the prior year.
Trico Bancshares had 33M shares outstanding in fiscal year 2024. This represents a decrease of 0.9% from the prior year.
Trico Bancshares's net profit margin was 223.8% in fiscal year 2024, showing the share of revenue converted to profit. This is down 10.6 percentage points from the prior year.
Trico Bancshares's ROE was 9.4% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is down 0.7 percentage points from the prior year.
Trico Bancshares spent $15.5M on share buybacks in fiscal year 2024, returning capital to shareholders by reducing shares outstanding. This represents an increase of 68.2% from the prior year.
Trico Bancshares invested $4.6M in capex in fiscal year 2024, funding long-term assets and infrastructure. This represents a decrease of 6.7% from the prior year.
TCBK Income Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $13.8M+0.7% | $13.7M+7.7% | $12.7M-3.3% | $13.1M+2.5% | $12.8M+1.3% | $12.6M-1.6% | $12.8M-1.7% | $13.1M |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $30.4M+2.0% | $29.8M-5.4% | $31.5M-3.7% | $32.8M-6.5% | $35.0M+7.2% | $32.7M+11.6% | $29.3M+20.8% | $24.3M |
| Income Tax | $12.4M+21.2% | $10.3M+14.9% | $8.9M-9.3% | $9.9M-2.3% | $10.1M+1.4% | $9.9M-3.6% | $10.3M-10.1% | $11.5M |
| Net Income | $34.0M+23.5% | $27.5M+4.5% | $26.4M-9.2% | $29.0M0.0% | $29.0M+4.6% | $27.7M+6.4% | $26.1M-14.8% | $30.6M |
| EPS (Diluted) | $1.04+23.8% | $0.84+5.0% | $0.80-9.1% | $0.88+1.1% | $0.87+4.8% | $0.83+6.4% | $0.78-15.2% | $0.92 |
TCBK Balance Sheet
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $9.9B-0.5% | $9.9B+1.1% | $9.8B+1.5% | $9.7B-0.7% | $9.7B-0.7% | $9.8B-1.0% | $9.9B+0.1% | $9.9B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $298.8M-4.9% | $314.3M+2.0% | $308.3M+112.7% | $145.0M-29.8% | $206.6M+149.4% | $82.8M-16.1% | $98.7M-11.2% | $111.1M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | $304.4M0.0% | $304.4M0.0% | $304.4M0.0% | $304.4M0.0% | $304.4M0.0% | $304.4M0.0% | $304.4M0.0% | $304.4M |
| Total Liabilities | $8.6B-1.0% | $8.7B+1.1% | $8.6B+1.3% | $8.5B-1.3% | $8.6B-1.0% | $8.7B-1.1% | $8.8B-0.9% | $8.8B |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Equity | $1.3B+3.0% | $1.3B+0.9% | $1.3B+2.8% | $1.2B+3.9% | $1.2B+1.0% | $1.2B+0.3% | $1.2B+8.3% | $1.1B |
| Retained Earnings | $723.7M+3.0% | $702.7M+1.3% | $693.4M+2.0% | $679.9M+5.5% | $644.7M+2.2% | $631.0M+2.5% | $615.5M+2.7% | $599.4M |
TCBK Cash Flow Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $45.1M+54.2% | $29.2M+19.3% | $24.5M+1.1% | $24.2M-23.8% | $31.8M+26.8% | $25.1M-31.3% | $36.5M-20.9% | $46.2M |
| Capital Expenditures | $1.9M+81.9% | $1.0M-39.1% | $1.7M+29.1% | $1.3M+33.1% | $982K-4.5% | $1.0M+2.7% | $1.0M+54.7% | $647K |
| Free Cash Flow | $43.2M+53.2% | $28.2M+23.6% | $22.8M-0.5% | $22.9M-25.6% | $30.8M+28.2% | $24.1M-32.3% | $35.5M-22.0% | $45.5M |
| Investing Cash Flow | $55.7M+159.7% | -$93.3M-375.1% | $33.9M+156.6% | -$60.0M-130.7% | $195.1M+225.2% | $60.0M+42.1% | $42.2M+140.8% | -$103.4M |
| Financing Cash Flow | -$116.3M-265.9% | $70.1M-33.2% | $104.9M+175.2% | -$139.4M-35.2% | -$103.1M-2.2% | -$100.9M-10.8% | -$91.1M-284.0% | $49.5M |
| Dividends Paid | $11.7M+8.8% | $10.8M-1.0% | $10.9M0.0% | $10.9M-0.2% | $10.9M-0.6% | $11.0M+9.9% | $10.0M0.0% | $10.0M |
| Share Buybacks | $2.5M-84.1% | $15.7M+282.4% | $4.1M+117.1% | $1.9M-81.4% | $10.2M+198.6% | $3.4M+2481.8% | $132K+288.2% | $34K |
TCBK Financial Ratios
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Margin | 247.4%+45.6pp | 201.8%-6.2pp | 207.9%-13.4pp | 221.4%-5.5pp | 226.9%+7.3pp | 219.6%+16.6pp | 203.0%-31.0pp | 234.0% |
| Return on Equity | 2.6%+0.4pp | 2.2%+0.1pp | 2.1%-0.3pp | 2.4%-0.1pp | 2.5%+0.1pp | 2.4%+0.1pp | 2.3%-0.6pp | 2.9% |
| Return on Assets | 0.3%+0.1pp | 0.3%0.0pp | 0.3%-0.0pp | 0.3%0.0pp | 0.3%+0.0pp | 0.3%+0.0pp | 0.3%-0.1pp | 0.3% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 6.57-0.3 | 6.83+0.0 | 6.82-0.1 | 6.92-0.4 | 7.29-0.1 | 7.44-0.1 | 7.55-0.7 | 8.25 |
| FCF Margin | 314.3%+107.6pp | 206.7%+26.6pp | 180.1%+5.2pp | 174.9%-66.1pp | 240.9%+50.6pp | 190.3%-86.0pp | 276.4%-71.9pp | 348.3% |
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Frequently Asked Questions
What is Trico Bancshares's annual revenue?
Trico Bancshares (TCBK) reported $51.3M in total revenue for fiscal year 2024. This represents a 2.5% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Trico Bancshares's revenue growing?
Trico Bancshares (TCBK) revenue grew by 2.5% year-over-year, from $50.1M to $51.3M in fiscal year 2024.
Is Trico Bancshares profitable?
Yes, Trico Bancshares (TCBK) reported a net income of $114.9M in fiscal year 2024, with a net profit margin of 223.8%.
What is Trico Bancshares's earnings per share (EPS)?
Trico Bancshares (TCBK) reported diluted earnings per share of $3.46 for fiscal year 2024. This represents a -1.7% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.
What is Trico Bancshares's net profit margin?
Trico Bancshares (TCBK) had a net profit margin of 223.8% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.
Does Trico Bancshares pay dividends?
Yes, Trico Bancshares (TCBK) paid $1.32 per share in dividends during fiscal year 2024.
What is Trico Bancshares's return on equity (ROE)?
Trico Bancshares (TCBK) has a return on equity of 9.4% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.
What is Trico Bancshares's free cash flow?
Trico Bancshares (TCBK) generated $105.2M in free cash flow during fiscal year 2024. This represents a -21.5% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Trico Bancshares's operating cash flow?
Trico Bancshares (TCBK) generated $109.7M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.
What are Trico Bancshares's total assets?
Trico Bancshares (TCBK) had $9.7B in total assets as of fiscal year 2024, including both current and long-term assets.
What are Trico Bancshares's capital expenditures?
Trico Bancshares (TCBK) invested $4.6M in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.
Does Trico Bancshares buy back shares?
Yes, Trico Bancshares (TCBK) spent $15.5M on share buybacks during fiscal year 2024, returning capital to shareholders by reducing shares outstanding.
How many shares does Trico Bancshares have outstanding?
Trico Bancshares (TCBK) had 33M shares outstanding as of fiscal year 2024.
What is Trico Bancshares's debt-to-equity ratio?
Trico Bancshares (TCBK) had a debt-to-equity ratio of 6.92 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Trico Bancshares's return on assets (ROA)?
Trico Bancshares (TCBK) had a return on assets of 1.2% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.
What is Trico Bancshares's Piotroski F-Score?
Trico Bancshares (TCBK) has a Piotroski F-Score of 5 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Trico Bancshares's earnings high quality?
Trico Bancshares (TCBK) has an earnings quality ratio of 0.96x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Trico Bancshares?
Trico Bancshares (TCBK) scores 43 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.