What is Trico Bancshares's earnings per share (EPS)?

Trico Bancshares (TCBK) reported diluted earnings per share of $3.70 for fiscal year 2025. This represents a 6.9% 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.

Trico Bancshares (TCBK) Financials

TCBK

Trailing 12 months to June 30, 2026

Revenue $437.1M +8.8% YoY

Net Income $135.5M +21.0% YoY

EPS (Diluted) $4.17 +22.6% YoY

Free Cash Flow $133.1M +31.4% YoY

Market Cap $1.7B as of Oct 5, 2026

Price / Sales 3.8x on $437.1M revenue, trailing 12 months to June 30, 2026

Price / Earnings 12.3x on $135.5M net income, trailing 12 months to June 30, 2026

Price / Book 1.2x on $1.3B equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 5, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 7, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 7, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the TCBK SEC filings page.

Trico Bancshares (TCBK) reported $437.1M in revenue over the twelve months to Jun 30, 2026, up 8.8% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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).

Rhea AI TCBK FY2025 2026-10-04

TriCo Bancshares converts a large balance sheet into steady cash earnings, while rising equity gradually lowers leverage and compresses return on equity.

The FY2025 revenue rebound to $419M from $396M in FY2024 restored scale, but did not by itself change the bank’s earnings economics. Net profit margin was 29.0% in FY2025 versus 35.1% in FY2021, showing the recovery is stronger in dollars than in profitability rate.

Debt-to-equity fell from 7.5x in FY2023 to 6.4x in FY2025, indicating leverage has eased rather than expanded. Equity rose from $1.16B to $1.33B while total assets stayed broadly stable, so the balance sheet is becoming more capitalized without needing comparable asset growth.

Operating cash flow of $133M closely tracked net income of $122M in FY2025, meaning accounting earnings were largely turning into cash. Free cash flow was $128M, only modestly below operating cash flow, so reported reinvestment consumed little of the year’s internally generated cash.

Financial Health Signals

Financial Health Score 56/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Trico Bancshares's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

Trico Bancshares earned a return on assets of 1.2% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is unchanged from the prior year. Earnings ranks banks on that return over three years, and Trico Bancshares scores 75/100 among other banks.

Growth

Trico Bancshares reported revenue of $419.2M in fiscal year 2025, against $395.8M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Trico Bancshares scores 18/100 among other banks.

Capital

Trico Bancshares funded 13.5% of its assets with shareholders' equity at the end of fiscal year 2025, holding $1.3B of equity against $9.8B of assets. Capital ranks banks on that cushion, and Trico Bancshares scores 72/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Trico Bancshares scores 73/100 on it among other banks.

Credit Quality

Not available for Trico Bancshares, and counted as zero in the overall score.

Stability

100

Trico Bancshares reported net income of $121.6M in fiscal year 2025, against $114.9M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Trico Bancshares scores 100/100 among other banks.

Piotroski F-Score Partial

6/6

Trico Bancshares passes 6 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 1 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.10x

For every $1 of reported earnings, Trico Bancshares generates $1.10 in operating cash flow ($133.3M OCF vs $121.6M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$111.9M

YoY+8.0%

QoQ+3.3%

5Y CAGR+6.1%

10Y CAGR+7.9%

Trico Bancshares generated $111.9M in revenue in Q2 2026. This represents an increase of 8.0% from the same quarter a year earlier. Against the prior quarter it is up 3.3%.

Net Income

$34.2M

YoY+24.1%

QoQ+1.4%

5Y CAGR+3.8%

10Y CAGR+13.8%

Trico Bancshares reported $34.2M in net income in Q2 2026. This represents an increase of 24.1% from the same quarter a year earlier. Against the prior quarter it is up 1.4%.

EPS (Diluted)

$1.06

YoY+26.2%

QoQ+1.9%

5Y CAGR+2.2%

10Y CAGR+10.0%

Trico Bancshares earned $1.06 per diluted share (EPS) in Q2 2026. This represents an increase of 26.2% from the same quarter a year earlier. Against the prior quarter it is up 1.9%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$23.2M

YoY-17.6%

QoQ-29.5%

5Y CAGR+6.5%

10Y CAGR+2.7%

Trico Bancshares generated $23.2M in free cash flow in Q2 2026, representing cash available after capex. This represents a decrease of 17.6% from the same quarter a year earlier. Against the prior quarter it is down 29.5%.

Cash & Debt

$105.2M

YoY-66.5%

QoQ-65.1%

5Y CAGR-30.3%

10Y CAGR-7.0%

Trico Bancshares held $105.2M in cash as of Q2 2026; long-term debt is not reported for that period.

Dividends Per Share

$0.36

YoY+9.1%

QoQ0.0%

5Y CAGR+7.6%

10Y CAGR+9.1%

Trico Bancshares paid $0.36 per share in dividends in Q2 2026. This represents an increase of 9.1% from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

32M

YoY-1.8%

QoQ+0.2%

5Y CAGR+1.5%

10Y CAGR+3.4%

Trico Bancshares had 32M shares outstanding in Q2 2026. This represents a decrease of 1.8% from the same quarter a year earlier. Against the prior quarter it is up 0.2%.

Margins & Returns

Net Margin

30.5%

YoY+4.0pp

QoQ-0.6pp

5Y change-3.6pp

10Y change+12.6pp

Trico Bancshares's net profit margin was 30.5% in Q2 2026, showing the share of revenue converted to profit. This is up 4.0 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.6 percentage points.

Return on Equity

2.5%

YoY+0.4pp

QoQ0.0pp

5Y change-0.4pp

10Y change+0.6pp

Trico Bancshares's ROE was 2.5% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 0.4 percentage points from the same quarter a year earlier. It is unchanged from the prior quarter.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Share Buybacks

$1.8M

YoY-88.7%

QoQ-92.1%

5Y CAGR-6.9%

Trico Bancshares spent $1.8M on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 88.7% from the same quarter a year earlier. Against the prior quarter it is down 92.1%.

Capital Expenditures

$1.9M

YoY+84.3%

QoQ+166.2%

5Y CAGR+23.3%

10Y CAGR+1.5%

Trico Bancshares invested $1.9M in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 84.3% from the same quarter a year earlier. Against the prior quarter it is up 166.2%.

R&D Spending

Not reported for Q2 2026.

TCBK Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

TCBK quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$437.1M	$419.2M+5.9%	$395.8M-5.3%	$418.1M+2.2%	$409.0M+22.0%	$335.2M+7.1%	$312.9M+0.8%	$310.6M+17.5%	$264.4M+18.0%	$224.1M+5.4%	$212.6M+5.6%	$201.3M+33.4%	$150.9M+8.8%	$138.7M-0.5%	$139.4M+2.8%	$135.6M
SG&A Expenses	$149.7M	$149.8M+6.5%	$140.6M+3.5%	$135.8M+4.6%	$129.9M+22.1%	$106.4M-5.1%	$112.1M+5.7%	$106.1M+12.9%	$93.9M+13.3%	$82.9M+2.7%	$80.7M+13.1%	$71.4M+24.1%	$57.5M+10.8%	$51.9M+4.0%	$50.0M+13.0%	$44.2M
Interest Expense	$112.3M	$119.7M-11.4%	$135.2M+65.5%	$81.7M+757.1%	$9.5M+73.0%	$5.5M-41.8%	$9.5M-38.5%	$15.4M+19.4%	$12.9M+89.3%	$6.8M+18.8%	$5.7M+5.6%	$5.4M+15.7%	$4.7M-0.3%	$4.7M-36.1%	$7.3M-28.3%	$10.2M
Income Tax	$49.7M	$44.6M+10.8%	$40.2M-7.5%	$43.5M-10.3%	$48.5M+5.3%	$46.0M+104.3%	$22.5M-35.1%	$34.8M+38.8%	$25.0M-32.3%	$37.0M+33.4%	$27.7M-4.1%	$28.9M+56.1%	$18.5M+0.6%	$18.4M+42.3%	$12.9M+15.6%	$11.2M
Net Income	$135.5M	$121.6M+5.8%	$114.9M-2.1%	$117.4M-6.4%	$125.4M+6.6%	$117.7M+81.5%	$64.8M-29.6%	$92.1M+34.8%	$68.3M+68.5%	$40.6M-9.5%	$44.8M+2.3%	$43.8M+67.8%	$26.1M-4.7%	$27.4M+44.3%	$19.0M+2.2%	$18.6M
EPS (Basic)	N/A	$3.72+7.2%	$3.47-1.7%	$3.53-8.3%	$3.85-2.8%	$3.96+82.5%	$2.17-28.1%	$3.02+17.5%	$2.57+45.2%	$1.77-9.7%	$1.96+1.6%	$1.93+31.3%	$1.47-14.0%	$1.71+43.7%	$1.19+1.7%	$1.17
EPS (Diluted)	$4.17	$3.70+6.9%	$3.46-1.7%	$3.52-8.1%	$3.83-2.8%	$3.94+82.4%	$2.16-28.0%	$3.00+18.1%	$2.54+46.0%	$1.74-10.3%	$1.94+1.6%	$1.91+30.8%	$1.46-13.6%	$1.69+43.2%	$1.18+1.7%	$1.16
Diluted Shares (Avg)	N/A	33M-1.1%	33M-0.4%	33M+1.9%	33M+9.5%	30M-0.5%	30M-2.0%	31M+14.0%	27M+15.6%	23M+0.7%	23M+0.4%	23M+28.3%	18M+10.7%	16M+0.9%	16M+0.3%	16M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$111.9M+8.0%	$108.3M+9.8%	$109.4M+9.0%	$107.6M+8.5%	$103.6M+5.9%	$98.6M+0.1%	$100.4M-2.2%	$99.1M-4.8%
SG&A Expenses	$39.0M+1.8%	$36.1M-1.9%	$36.9M+4.5%	$37.7M+6.1%	$38.3M+8.1%	$36.9M+7.4%	$35.3M+3.7%	$35.5M+3.2%
Interest Expense	$27.4M-8.3%	$26.6M-15.6%	$27.9M-14.8%	$30.4M-12.4%	$29.8M-14.8%	$31.5M-3.5%	$32.8M+11.8%	$34.7M+43.2%
Income Tax	$12.1M+18.1%	$12.2M+36.4%	$12.9M+31.3%	$12.4M+20.3%	$10.3M+1.8%	$8.9M-10.2%	$9.9M-4.6%	$10.3M-9.9%
Net Income	$34.2M+24.1%	$33.7M+27.8%	$33.6M+15.8%	$34.0M+17.1%	$27.5M-5.1%	$26.4M-5.0%	$29.0M+11.3%	$29.1M-5.0%
EPS (Basic)	$1.07+27.4%	$1.05+31.3%	$1.04+18.2%	$1.04+18.2%	$0.84-4.5%	$0.80-3.6%	$0.88+12.8%	$0.88-4.3%
EPS (Diluted)	$1.06+26.2%	$1.04+30.0%	$1.03+17.0%	$1.04+18.2%	$0.84-3.4%	$0.80-3.6%	$0.88+12.8%	$0.88-4.3%
Diluted Shares (Avg)	32M-2.5%	32M-2.2%	N/A	33M-1.2%	33M-0.9%	33M-0.7%	N/A	33M-0.5%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

TCBK Balance Sheet

TCBK quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$9.8B+1.5%	$9.7B-2.4%	$9.9B-0.2%	$9.9B+15.3%	$8.6B+12.8%	$7.6B+18.1%	$6.5B+1.9%	$6.4B+33.4%	$4.8B+5.4%	$4.5B+7.0%	$4.2B+7.8%	$3.9B+42.7%	$2.7B+5.2%	$2.6B+2.1%	$2.6B
Cash & Equivalents	$157.0M+8.3%	$145.0M+46.9%	$98.7M-8.0%	$107.2M-86.0%	$768.4M+14.8%	$669.6M+142.1%	$276.5M+21.5%	$227.5M+10.8%	$205.4M-32.8%	$305.6M+0.7%	$303.5M-50.3%	$610.7M+2.1%	$598.4M-20.1%	$748.9M+17.5%	$637.3M
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$304.4M0.0%	$304.4M0.0%	$304.4M0.0%	$304.4M+37.8%	$220.9M0.0%	$220.9M0.0%	$220.9M0.0%	$221.0M+243.6%	$64.3M0.0%	$64.3M+1.3%	$63.5M0.0%	$63.5M+308.9%	$15.5M0.0%	$15.5M0.0%	$15.5M
Total Liabilities	$8.5B+0.5%	$8.5B-3.4%	$8.8B-1.5%	$8.9B+16.7%	$7.6B+13.4%	$6.7B+20.7%	$5.6B+0.7%	$5.5B+29.8%	$4.3B+5.3%	$4.0B+7.2%	$3.8B+7.7%	$3.5B+40.3%	$2.5B+4.8%	$2.4B+1.7%	$2.3B
Total Equity	$1.3B+8.8%	$1.2B+5.3%	$1.2B+10.8%	$1.0B+4.6%	$1.0B+8.1%	$925.1M+3.5%	$893.6M+8.0%	$827.4M+63.6%	$505.8M+6.0%	$477.3M+5.6%	$452.1M+8.1%	$418.2M+66.6%	$250.9M+9.4%	$229.4M+6.0%	$216.4M
Retained Earnings	$740.2M+8.9%	$679.9M+10.5%	$615.5M+13.4%	$542.9M+16.3%	$467.0M+22.2%	$382.0M+3.9%	$367.8M+21.2%	$303.5M+18.9%	$255.2M+9.8%	$232.4M+12.7%	$206.3M+17.2%	$176.1M+10.2%	$159.7M+12.8%	$141.6M+10.2%	$128.6M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$9.9B+0.1%	$9.9B+1.3%	$9.8B+1.5%	$9.9B+0.6%	$9.9B+1.9%	$9.8B+0.1%	$9.7B-2.4%	$9.8B-0.7%
Cash & Equivalents	$105.2M-66.5%	$301.3M-2.3%	$157.0M+8.3%	$298.8M-6.7%	$314.3M+52.1%	$308.3M+272.1%	$145.0M+46.9%	$320.1M+188.1%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$304.4M0.0%	$304.4M0.0%	$304.4M0.0%	$304.4M0.0%	$304.4M0.0%	$304.4M0.0%	$304.4M0.0%	$304.4M0.0%
Total Liabilities	$8.6B-0.8%	$8.6B+0.7%	$8.5B+0.5%	$8.6B-0.1%	$8.7B+1.1%	$8.6B-1.0%	$8.5B-3.4%	$8.6B-2.7%
Total Equity	$1.3B+6.1%	$1.3B+5.5%	$1.3B+8.8%	$1.3B+5.3%	$1.3B+7.8%	$1.3B+8.0%	$1.2B+5.3%	$1.2B+15.8%
Retained Earnings	$771.4M+9.8%	$749.8M+8.1%	$740.2M+8.9%	$723.7M+9.2%	$702.7M+9.0%	$693.4M+9.9%	$679.9M+10.5%	$662.8M+10.6%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

TCBK Cash Flow Statement

TCBK quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$138.4M	$133.3M+21.5%	$109.7M-21.0%	$138.9M-14.7%	$162.9M+23.2%	$132.2M+15.2%	$114.8M+11.7%	$102.8M+12.9%	$91.1M+64.4%	$55.4M+14.8%	$48.2M-12.0%	$54.8M+99.9%	$27.4M-33.3%	$41.1M-21.1%	$52.1M+64.4%	$31.7M
Depreciation & Amortization	N/A	$6.4M+6.3%	$6.0M-5.8%	$6.4M+5.9%	$6.0M-5.5%	$6.4M-1.4%	$6.5M-6.7%	$6.9M-1.4%	$7.0M+3.3%	$6.8M+4.8%	$6.5M+9.6%	$5.9M+3.0%	$5.7M+24.1%	$4.6M+7.7%	$4.3M+29.7%	$3.3M
Stock-Based Compensation	N/A	$4.8M+2.0%	$4.7M+13.1%	$4.1M+6.6%	$3.9M+46.7%	$2.6M+29.6%	$2.0M+23.1%	$1.7M+13.1%	$1.5M-7.8%	$1.6M+8.1%	$1.5M+7.1%	$1.4M+20.9%	$1.1M-1.6%	$1.2M+6.3%	$1.1M+30.5%	$830K
Capital Expenditures	$5.3M	$5.4M+17.7%	$4.6M-6.7%	$4.9M+34.9%	$3.6M+13.4%	$3.2M+13.7%	$2.8M-34.5%	$4.3M-41.8%	$7.4M-51.4%	$15.2M+38.7%	$10.9M+99.1%	$5.5M+17.7%	$4.7M-43.9%	$8.3M-23.0%	$10.8M+222.1%	$3.4M
Free Cash Flow	$133.1M	$127.9M+21.7%	$105.2M-21.5%	$134.0M-15.9%	$159.3M+23.5%	$129.0M+15.2%	$112.0M+13.7%	$98.5M+17.7%	$83.7M+108.1%	$40.2M+7.8%	$37.3M-24.4%	$49.3M+116.8%	$22.8M-30.6%	$32.8M-20.6%	$41.3M+45.8%	$28.3M
Investing Cash Flow	-$190.4M	-$82.6M-129.0%	$285.0M+897.6%	$28.6M+103.9%	-$723.2M+18.2%	-$883.8M-8.3%	-$816.3M-2640.4%	-$29.8M+79.0%	-$142.0M+60.3%	-$357.4M-156.4%	-$139.4M	N/A	N/A	-$302.9M-1135.7%	$29.2M-80.9%	$153.4M
Financing Cash Flow	-$157.1M	-$38.6M+88.9%	-$348.4M-98.0%	-$176.0M-74.5%	-$100.9M-111.9%	$850.5M-22.3%	$1.1B+4652.6%	-$24.0M-132.9%	$73.0M-63.8%	$201.9M+116.3%	$93.3M	N/A	N/A	$111.3M+267.1%	$30.3M-62.7%	$81.2M
Dividends Paid	$46.4M	$45.0M+3.2%	$43.6M+9.4%	$39.9M+11.5%	$35.8M+20.4%	$29.7M+13.0%	$26.3M+5.2%	$25.0M+33.2%	$18.8M+24.0%	$15.1M+10.5%	$13.7M+15.6%	$11.8M+51.8%	$7.8M+15.7%	$6.7M+17.2%	$5.8M+0.3%	$5.7M
Share Buybacks	$36.4M	$32.0M+106.2%	$15.5M+68.2%	$9.2M-66.0%	$27.1M+525.0%	$4.3M-83.7%	$26.7M+1116.8%	$2.2M-11.6%	$2.5M+52.4%	$1.6M-13.8%	$1.9M+358.7%	$412K+41.1%	$292K-41.7%	$501K	N/A	$753K

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$25.1M-14.0%	$33.7M+37.5%	$34.5M+42.2%	$45.1M+57.8%	$29.2M-8.1%	$24.5M-2.3%	$24.2M-33.6%	$28.6M-38.1%
Depreciation & Amortization	$1.6M+4.6%	$1.6M+4.2%	$1.7M+18.6%	$1.6M+0.5%	$1.6M+4.2%	$1.6M+2.8%	$1.4M-6.6%	$1.6M-4.9%
Stock-Based Compensation	N/A	$954K-16.2%	N/A	N/A	N/A	$1.1M-4.9%	N/A	N/A
Capital Expenditures	$1.9M+84.3%	$712K-57.8%	$777K-40.6%	$1.9M+50.8%	$1.0M+4.7%	$1.7M+64.1%	$1.3M+30.6%	$1.2M+91.7%
Free Cash Flow	$23.2M-17.6%	$33.0M+44.5%	$33.7M+46.9%	$43.2M+58.1%	$28.2M-8.5%	$22.8M-5.1%	$22.9M-35.4%	$27.3M-40.0%
Investing Cash Flow	-$172.3M-84.6%	$5.1M-84.9%	-$79.0M-31.8%	$55.7M-38.0%	-$93.3M-147.8%	$33.9M-43.5%	-$60.0M-242.1%	$89.9M+186.9%
Financing Cash Flow	-$49.0M-169.9%	$105.5M+0.6%	-$97.3M+30.2%	-$116.3M-2260.8%	$70.1M+167.9%	$104.9M+203.9%	-$139.4M-53.1%	-$4.9M-109.9%
Dividends Paid	$11.5M+6.7%	$11.5M+6.1%	$11.7M+7.2%	$11.7M+7.6%	$10.8M-1.3%	$10.9M-0.8%	$10.9M+9.0%	$10.9M+9.1%
Share Buybacks	$1.8M-88.7%	$22.4M+445.7%	$9.7M+413.5%	$2.5M+3693.9%	$15.7M+54.4%	$4.1M+20.6%	$1.9M+1334.1%	$66K+94.1%

TCBK Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

TCBK quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	29.0%0.0pp	29.0%+0.9pp	28.1%-2.6pp	30.7%-4.4pp	35.1%+14.4pp	20.7%-8.9pp	29.6%+3.8pp	25.8%+7.7pp	18.1%-3.0pp	21.1%-0.7pp	21.8%+4.5pp	17.3%-2.5pp	19.8%+6.1pp	13.6%-0.1pp	13.7%
Return on Equity	9.2%-0.3pp	9.4%-0.7pp	10.1%-1.9pp	12.0%+0.2pp	11.8%+4.8pp	7.0%-3.3pp	10.3%+2.0pp	8.3%+0.2pp	8.0%-1.4pp	9.4%-0.3pp	9.7%+3.5pp	6.2%-4.7pp	10.9%+2.6pp	8.3%-0.3pp	8.6%
Return on Assets	1.2%0.0pp	1.2%0.0pp	1.2%-0.1pp	1.3%-0.1pp	1.4%+0.5pp	0.9%-0.6pp	1.4%+0.3pp	1.1%+0.2pp	0.9%-0.1pp	1.0%0.0pp	1.0%+0.4pp	0.7%-0.3pp	1.0%+0.3pp	0.7%0.0pp	0.7%
Debt-to-Equity	6.40-0.5x	6.92-0.6x	7.55-0.9x	8.49+0.9x	7.61+0.4x	7.26+1.0x	6.23-0.5x	6.68-1.7x	8.41-0.1x	8.46+0.1x	8.340.0x	8.37-1.6x	9.93-0.4x	10.38-0.4x	10.81
Asset Turnover	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.050.0x	0.040.0x	0.050.0x	0.050.0x	0.050.0x	0.040.0x	0.050.0x	0.050.0x	0.05
FCF Margin	30.5%+4.0pp	26.6%-5.5pp	32.0%-6.9pp	38.9%+0.5pp	38.5%+2.7pp	35.8%+4.1pp	31.7%+0.1pp	31.6%+13.7pp	17.9%+0.4pp	17.5%-7.0pp	24.5%+9.4pp	15.1%-8.6pp	23.6%-6.0pp	29.6%+8.7pp	20.9%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	30.5%+4.0pp	31.1%+4.4pp	30.8%+1.8pp	31.6%+2.3pp	26.6%-3.1pp	26.7%-1.4pp	28.9%+3.5pp	29.3%-0.1pp
Return on Equity	2.5%+0.4pp	2.5%+0.4pp	2.5%+0.1pp	2.6%+0.3pp	2.2%-0.3pp	2.1%-0.3pp	2.4%+0.1pp	2.3%-0.5pp
Return on Assets	0.3%+0.1pp	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%0.0pp
Debt-to-Equity	6.39-0.4x	6.51-0.3x	6.40-0.5x	6.57-0.4x	6.83-0.5x	6.82-0.6x	6.92-0.6x	6.93-1.3x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	20.8%-6.4pp	30.5%+7.3pp	30.8%+7.9pp	40.2%+12.6pp	27.2%-4.3pp	23.2%-1.3pp	22.9%-11.7pp	27.6%-16.2pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Trico Bancshares TCBK	FY2025	$419.2M	$121.6M	29.0%	$1.7B	56/100
NATIONAL BANK HOLDINGS CORP. NBHC	FY2025	$416.1M	$109.6M	26.3%	$1.7B	53/100
S&T Bancorp Inc STBA	FY2025	$402.1M	$134.2M	33.4%	$1.8B	58/100
Republic Bancorp Inc/KY RBCAA	FY2025	$417.5M	$131.3M	31.4%	$1.8B	62/100
Hope Bancorp, Inc. HOPE	FY2025	$498.7M	$62.0M	12.4%	$1.7B	34/100
Stellar Bancorp, Inc. STEL	FY2025	$423.4M	$102.9M	24.3%	$2.0B	20/100

Where Trico Bancshares Ranks

Frequently Asked Questions

What is Trico Bancshares's annual revenue?

Trico Bancshares (TCBK) reported $419.2M in total revenue for fiscal year 2025. This represents a 5.9% 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 5.9% year-over-year, from $395.8M to $419.2M in fiscal year 2025.

Is Trico Bancshares profitable?

Yes, Trico Bancshares (TCBK) reported a net income of $121.6M in fiscal year 2025, with a net profit margin of 29.0%.

What is Trico Bancshares's net profit margin?

Trico Bancshares (TCBK) had a net profit margin of 29.0% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Trico Bancshares pay dividends?

Yes, Trico Bancshares (TCBK) paid $1.38 per share in dividends during fiscal year 2025.

What is Trico Bancshares's return on equity (ROE)?

Trico Bancshares (TCBK) has a return on equity of 9.2% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Trico Bancshares's free cash flow?

Trico Bancshares (TCBK) generated $127.9M in free cash flow during fiscal year 2025. This represents a 21.7% 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 $133.3M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Trico Bancshares's total assets?

Trico Bancshares (TCBK) had $9.8B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Trico Bancshares's capital expenditures?

Trico Bancshares (TCBK) invested $5.4M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Trico Bancshares buy back shares?

Yes, Trico Bancshares (TCBK) spent $32.0M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Trico Bancshares have outstanding?

Trico Bancshares (TCBK) had 32M shares outstanding as of fiscal year 2025.

What is Trico Bancshares's debt-to-equity ratio?

Trico Bancshares (TCBK) had a debt-to-equity ratio of 6.40 as of fiscal year 2025, 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 2025, measuring how efficiently the company uses its assets to generate profit.

What is Trico Bancshares's P/E ratio?

Trico Bancshares (TCBK) trades at 12.3x earnings, its market capitalization divided by net income of $135.5M net income, trailing 12 months to June 30, 2026. The market capitalization is $1.7B as of Oct 5, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Trico Bancshares's price-to-sales ratio?

Trico Bancshares (TCBK) trades at 3.8x sales, its market capitalization divided by revenue of $437.1M revenue, trailing 12 months to June 30, 2026. The market capitalization is $1.7B as of Oct 5, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Trico Bancshares's Piotroski F-Score?

Trico Bancshares (TCBK) has a Piotroski F-Score of 6 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 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 1.10x, considered cash-backed (high 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 56 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.