Trico Bancshares Financials
Trico Bancshares (TCBK) reported $53.4M in revenue for fiscal year 2025, up 4.1% from the prior fiscal year. 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).
Capital accumulation is gradually lowering balance-sheet leverage while asset returns stay steady enough to keep cash generation intact.
Across the recent period, debt-to-equity fell from 7.5x to 6.4x even though assets barely moved, showing leverage eased without a major balance-sheet retreat. ROA still hovered near1.2% , so the firmer capital cushion appears to come mainly from retained earnings rather than weaker asset use.
Recent operating cash flow of
Retained earnings reached
Financial Health Signals
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.
Not available for Trico Bancshares, and counted as zero in the overall score.
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.
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
Earnings & Revenue
Trico Bancshares generated $53.4M in revenue in fiscal year 2025. This represents an increase of 4.1% from the prior year.
Trico Bancshares reported $121.6M in net income in fiscal year 2025. This represents an increase of 5.8% from the prior year.
Trico Bancshares earned $3.70 per diluted share (EPS) in fiscal year 2025. This represents an increase of 6.9% from the prior year.
Not reported for fiscal year 2025.
Cash & Balance Sheet
Trico Bancshares generated $127.9M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 21.7% from the prior year.
Trico Bancshares held $157.0M in cash as of fiscal year 2025; long-term debt is not reported for that period.
Trico Bancshares paid $1.38 per share in dividends in fiscal year 2025. This represents an increase of 4.5% from the prior year.
Margins & Returns
Trico Bancshares's ROE was 9.2% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 0.3 percentage points from the prior year.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Not shown for fiscal year 2025: the reported ratio is above 100.0% of revenue, so it does not read as a share of revenue.
Capital Allocation
Trico Bancshares spent $32.0M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 106.2% from the prior year.
Trico Bancshares invested $5.4M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 17.7% from the prior year.
Not reported for fiscal year 2025.
TCBK Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $54.3M | $53.4M+4.1% | $51.3M+2.5% | $50.1M+0.6% | $49.8M+13.2% | $43.9M+15.7% | $38.0M-6.0% | $40.4M+5.1% | $38.5M+2.8% | $37.4M+12.6% | $33.2M-79.4% | $161.4M+33.3% | $121.1M+13.7% | $106.6M-2.0% | $108.7M+5.6% | $103.0M |
| 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 (Diluted) | — | $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 |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
TCBK Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 |
| 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 |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Long-Term Debt.
TCBK Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 |
| 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 |
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
TCBK Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 227.5% | 223.8% | 234.4% | 252.0% | 267.7% | 170.6% | 227.8% | 177.6% | 108.4% | 134.9% | 27.2%+5.6pp | 21.6%-4.1pp | 25.7%+8.2pp | 17.5%-0.6pp | 18.1% |
| 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 |
| FCF Margin | 239.4% | 204.9% | 267.5% | 320.1% | 293.6% | 294.9% | 243.7% | 217.6% | 107.5% | 112.3% | 30.6%+11.8pp | 18.8%-12.0pp | 30.8%-7.2pp | 38.0%+10.5pp | 27.5% |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: Net Margin, FCF Margin.
