TriCo Bancshares (TCBK) stock analysis

In our weekly check, TriCo Bancshares is graded C (A to F). Of 25 checks on debt, profit, cash flow and trend: 14 pass, warnings: 4, red flags: 7.

About TriCo Bancshares

TriCo Bancshares is a Financial Services company (Banks - Regional) based in the United States, listed on NASDAQ as TCBK.

What our checks show for TCBK

Red flags

• The net margin fell by 12.3 points over 5 years, to 22.8%: the company keeps less of each sale as profit.
• The gross margin fell by 24.5 points, to 75.9%: costs are rising faster than prices.
• Analysts expect revenue to shrink about 2.7% a year.
• The stock has fallen as much as 67% from a peak. Would you have held through that?
• Recovering from its deepest fall took about 7.6 years.
• Return on capital (ROCE) is only 1.9%.

Warning signs

• Earnings per share fell 1% a year over the last 3 years.
• Net profit fell 1% a year over the last 3 years.
• A small company (market value $1.68 billion): usually riskier and followed by fewer analysts.
• Thinly traded (about 267 thousand shares a day): buying and selling can move the price.

Strengths

• Analysts expect the net margin to improve by 9 points from today's 22.8%.
• The company keeps 22.8% of its revenue as net profit.
• Free cash flow is 24% of revenue: cash for dividends, buybacks or growth.
• The dividend takes 37% of profit: there is a cushion.
• The price is 12.1 times earnings (P/E), reasonable for its growth.
• Beta 0.61: the stock usually moves less than the market.

Next earnings report: 2027-01-28

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FSUN · QCRH · NBHC · BFC · OCFC · BY

Questions

What grade does TriCo Bancshares (TCBK) have?

In our weekly check, TriCo Bancshares is graded C (A to F). Of 25 checks on debt, profit, cash flow and trend: 14 pass, warnings: 4, red flags: 7. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of TCBK stock?

This week's biggest flags for TriCo Bancshares: Margins falling, Gross margin falling, Weak revenue forecast. In total 11 of 25 checks show a warning or a red flag.

What does TriCo Bancshares do?

TriCo Bancshares is a Financial Services company (Banks - Regional) based in the United States, listed on NASDAQ as TCBK.

When does TriCo Bancshares report earnings next?

The next earnings report is expected on 2027-01-28. We re-run the checks every week, so the grade can change after it.

The grade is a risk check, not a price forecast, and not investment advice. In our 10-year test (S&P 500, 2016-2026), stocks we graded A or B fell more than 30% 2-3 times less often than D or F, without a lower average return.

Updated 2026-10-31

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