NASDAQ : TCBK
TriCo Bancshares — Financial statements
Financials · Banks - Regional · United States
Last price 52.52 USD (Oct 30, 2026, 4:00 PM EDT) · Market cap 1.68B
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Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 397.31M | 390.49M | 356.71M | 285.38M | 242.27M | |
| Interest Income on Investments | 73.26M | 76.15M | 81.64M | 70.13M | 34.78M | |
| Total Interest Income | 470.57M | 466.64M | 438.35M | 355.50M | 277.05M | |
| Interest Paid on Deposits | 113.31M | 113.13M | 55.09M | 4.69M | 3.32M | |
| Interest Paid on Borrowings | 6.42M | 22.08M | 26.59M | 4.84M | 2.19M | |
| Total Interest Expense | 119.73M | 135.20M | 81.68M | 9.53M | 5.51M | |
| Net Interest Income | 373.63M | 350.84M | 331.43M | 356.68M | 345.98M | 271.54M |
| Gain (Loss) on Sale of Assets | -57.00K | -117.00K | -19.00K | -23.00K | 1.07M | 439.00K |
| Gain (Loss) on Sale of Investments | -82.00K | -3.16M | -3.00K | -248.00K | -340.00K | -86.00K |
| Other Non-Interest Income | 68.17M | 68.68M | 62.88M | 60.48M | 60.73M | 53.47M |
| Total Non-Interest Income | 71.34M | 67.00M | 64.39M | 61.38M | 63.81M | 63.40M |
| Revenues Before Loan Losses | 444.96M | 417.85M | 395.82M | 418.05M | 409.78M | 334.94M |
| Provision for Loan Losses | 7.10M | 12.06M | 6.63M | 23.99M | 18.47M | -6.78M |
| Revenue | 437.87M | 405.78M | 389.19M | 394.06M | 391.31M | 341.71M |
| Salaries and Employee Benefits | 146.07M | 145.01M | 135.91M | 131.67M | 125.98M | 103.71M |
| Selling, General & Administrative | 27.49M | 25.37M | 24.93M | 23.79M | 23.06M | 20.45M |
| Other Non-Interest Expense | 70.22M | 70.46M | 73.24M | 77.70M | 62.42M | 53.03M |
| Total Non-Interest Expense | 243.50M | 240.84M | 234.09M | 233.16M | 211.46M | 177.19M |
| EBT Excluding Unusual Items | 194.36M | 164.94M | 155.10M | 160.91M | 179.85M | 164.52M |
| Pretax Income | 190.86M | 166.16M | 155.10M | 160.91M | 173.91M | 163.70M |
| Income Tax Expense | 51.41M | 44.60M | 40.24M | 43.52M | 48.49M | 46.05M |
| Net Income | 139.46M | 121.56M | 114.87M | 117.39M | 125.42M | 117.66M |
| Net Income to Common | 139.46M | 121.56M | 114.87M | 117.39M | 125.42M | 117.66M |
| Basic Shares Outstanding | 32.13M | 32.67M | 33.09M | 33.26M | 32.58M | 29.72M |
| Diluted Shares Outstanding | 32.31M | 32.85M | 33.23M | 33.35M | 32.72M | 29.88M |
| EPS (Basic) | 4.34 | 3.72 | 3.47 | 3.53 | 3.85 | 3.96 |
| EPS (Diluted) | 4.32 | 3.70 | 3.46 | 3.52 | 3.83 | 3.94 |
| Dividend Per Share | 1.44 | 1.38 | 1.32 | 1.20 | 1.10 | 1.00 |
| Effective Tax Rate | 26.93% | 26.84% | 25.94% | 27.04% | 27.88% | 28.13% |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 195.69M | 92.91M | 85.41M | 81.63M | 96.32M | 57.03M |
| Investment Securities | 1.62B | 1.65B | 1.75B | 1.96B | 2.28B | 2.11B |
| Mortgage-Backed Securities | 172.74M | 269.86M | 333.51M | 340.95M | 342.00M | |
| Total Investments | 1.62B | 1.83B | 2.02B | 2.29B | 2.62B | 2.45B |
| Gross Loans | 7.42B | 7.14B | 6.80B | 6.83B | 6.50B | 4.95B |
| Allowance for Loan Losses | -128.16M | -125.76M | -125.37M | -121.52M | -105.68M | -85.38M |
| Other Adjustments to Gross Loans | -11.40M | -30.82M | -35.59M | -40.47M | -45.76M | -30.03M |
| Net Loans | 7.28B | 6.99B | 6.64B | 6.67B | 6.34B | 4.83B |
| Property, Plant & Equipment | 93.39M | 95.23M | 93.82M | 97.48M | 99.19M | 104.35M |
| Goodwill | 304.44M | 304.44M | 304.44M | 304.44M | 304.44M | 220.87M |
| Other Intangible Assets | 3.25M | 4.47M | 6.43M | 10.55M | 16.67M | 12.37M |
| Loans Held for Sale | 254.00K | 2.69M | 709.00K | 458.00K | 1.85M | 3.47M |
| Accrued Interest Receivable | 32.90M | 33.65M | 34.81M | 36.77M | 31.86M | 19.29M |
| Restricted Cash | 64.10M | 59.55M | 17.07M | 10.91M | 711.39M | |
| Long-Term Deferred Tax Assets | 97.90M | 124.75M | 124.32M | 139.18M | 36.81M | |
| Other Real Estate Owned & Foreclosed | 9.40M | 6.25M | 2.79M | 2.71M | 3.44M | 2.59M |
| Other Long-Term Assets | 423.89M | 291.47M | 281.26M | 255.83M | 249.10M | 146.19M |
| Total Assets | 9.98B | 9.82B | 9.67B | 9.91B | 9.93B | 8.61B |
| Interest Bearing Deposits | 5.79B | 5.19B | 5.05B | 4.86B | 4.78B | 4.34B |
| Institutional Deposits | 484.86M | 485.18M | 250.18M | 46.35M | 44.65M | |
| Non-Interest Bearing Deposits | 2.65B | 2.59B | 2.55B | 2.72B | 3.50B | 2.98B |
| Total Deposits | 8.44B | 8.26B | 8.09B | 7.83B | 8.33B | 7.37B |
| Short-Term Borrowings | 11.71M | 89.61M | 632.58M | 264.61M | 50.09M | |
| Current Portion of Leases | 6.15M | |||||
| Accrued Interest Payable | 7.94M | 8.79M | 11.50M | 8.45M | 1.17M | 928.00K |
| Long-Term Leases | 25.24M | 21.13M | 25.44M | 28.26M | 29.00M | 26.28M |
| Trust Preferred Securities | 41.24M | 41.24M | 101.19M | 101.10M | 101.04M | 58.08M |
| Pension & Post-Retirement Benefits | 16.13M | 16.09M | 13.53M | 13.90M | 2.40M | |
| Other Long-Term Liabilities | 132.21M | 125.01M | 121.42M | 132.46M | 145.84M | 109.67M |
| Total Liabilities | 8.65B | 8.49B | 8.45B | 8.75B | 8.88B | 7.61B |
| Common Stock | 675.02M | 682.36M | 693.46M | 697.35M | 697.45M | 532.24M |
| Retained Earnings | 797.83M | 740.24M | 679.91M | 615.50M | 542.87M | 466.96M |
| Comprehensive Income & Other | -144.40M | -94.61M | -152.46M | -153.17M | -193.91M | 981.00K |
| Shareholders' Equity | 1.33B | 1.33B | 1.22B | 1.16B | 1.05B | 1.00B |
| Total Liabilities & Equity | 9.98B | 9.82B | 9.67B | 9.91B | 9.93B | 8.61B |
| Total Debt | 66.48M | 80.23M | 216.24M | 761.94M | 394.65M | 134.45M |
| Net Cash (Debt) | 129.21M | 12.69M | -130.83M | -680.32M | -298.33M | -77.41M |
| Net Cash Per Share | 4.00 | 0.39 | -3.94 | -20.40 | -9.12 | -2.59 |
| Filing Date Shares Outstanding | 31.97M | 32.15M | 32.97M | 33.27M | 33.30M | 29.73M |
| Total Common Shares Outstanding | 31.97M | 32.33M | 32.97M | 33.27M | 33.33M | 29.73M |
| Book Value Per Share | 41.56 | 41.07 | 37.03 | 34.86 | 31.39 | 33.64 |
| Tangible Book Value | 1.02B | 1.02B | 910.03M | 844.69M | 725.30M | 766.94M |
| Tangible Book Value Per Share | 31.93 | 31.52 | 27.60 | 25.39 | 21.76 | 25.80 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 121.56M | 114.87M | 117.39M | 125.42M | 117.66M | |
| Depreciation & Amortization | 14.39M | 16.07M | 18.85M | 12.35M | 11.83M | |
| Gain (Loss) on Sale of Assets | 373.00K | 350.00K | 802.00K | -1.12M | -430.00K | |
| Gain (Loss) on Sale of Investments | 4.84M | 868.00K | 560.00K | 6.98M | 6.77M | |
| Provision for Credit Losses | 12.06M | 6.63M | 23.99M | 18.47M | -6.78M | |
| Net Decrease (Increase) in Loans Originated / Sold - Operating | -954.00K | 781.00K | 2.15M | 3.32M | 10.73M | |
| Accrued Interest Receivable | 1.16M | 1.96M | -4.91M | -9.17M | 712.00K | |
| Change in Other Net Operating Assets | -10.38M | -28.33M | -18.65M | 23.12M | 7.83M | |
| Other Operating Activities | -10.20M | -9.59M | -11.42M | -17.39M | -8.51M | |
| Operating Cash Flow | 133.29M | 109.71M | 138.89M | 162.90M | 132.21M | |
| Capital Expenditures | -5.36M | -4.56M | -4.89M | -3.62M | -3.20M | |
| Sale of Property, Plant and Equipment | 6.69M | 2.74M | ||||
| Cash Acquisitions | 426.88M | |||||
| Investment in Securities | 271.52M | 266.58M | 385.55M | -392.81M | -735.13M | |
| Net Decrease (Increase) in Loans Originated / Sold - Investing | -358.80M | 22.63M | -352.32M | -761.88M | -154.25M | |
| Other Investing Activities | 7.42M | 641.00K | 4.49M | |||
| Investing Cash Flow | -82.63M | 285.00M | 28.57M | -723.22M | -883.81M | |
| Short-Term Debt Issued | 367.98M | 214.52M | 23.17M | |||
| Total Debt Issued | 367.98M | 214.52M | 23.17M | |||
| Short-Term Debt Repaid | -77.90M | -542.97M | ||||
| Long-Term Debt Repaid | -59.95M | |||||
| Total Debt Repaid | -137.85M | -542.97M | ||||
| Net Debt Issued (Repaid) | -137.85M | -542.97M | 367.98M | 214.52M | 23.17M | |
| Issuance of Common Stock | 174.00K | 156.00K | 1.19M | 144.00K | ||
| Repurchase of Common Stock | -32.05M | -15.54M | -9.24M | -27.15M | -4.34M | |
| Common Dividends Paid | -45.03M | -43.65M | -39.90M | -35.80M | -29.72M | |
| Net Increase (Decrease) in Deposit Accounts | 176.32M | 253.54M | -494.98M | -253.62M | 861.23M | |
| Financing Cash Flow | -38.60M | -348.45M | -175.98M | -100.86M | 850.47M | |
| Net Cash Flow | 12.06M | 46.26M | -8.53M | -661.19M | 98.87M | |
| Free Cash Flow | 127.93M | 105.15M | 134.00M | 159.27M | 129.01M | |
| Free Cash Flow Margin | 31.53% | 27.02% | 34.01% | 40.70% | 37.75% | |
| Free Cash Flow Per Share | 3.89 | 3.16 | 4.02 | 4.87 | 4.32 | |
| Cash Interest Paid | 122.44M | 132.15M | 74.40M | 9.29M | 5.94M | |
| Cash Income Tax Paid | 27.67M | 33.70M | 45.30M | 41.00M | 46.30M |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 1.71B | 1.54B | 1.44B | 1.43B | 1.70B | 1.28B |
| Last Close Price | 52.52 | 46.37 | 41.45 | 39.44 | 45.35 | 37.32 |
| PE Ratio | 12.38 | 12.67 | 12.56 | 12.18 | 13.55 | 10.85 |
| PS Ratio | 3.90 | 3.79 | 3.71 | 3.63 | 4.34 | 3.74 |
| PB Ratio | 1.26 | 1.16 | 1.18 | 1.23 | 1.62 | 1.28 |
| P/FCF Ratio | 12.81 | 12.04 | 13.72 | 10.67 | 10.67 | 9.89 |
| P/OCF Ratio | 12.33 | 11.55 | 13.15 | 10.29 | 10.43 | 9.66 |
| Debt / Equity Ratio | 0.05 | 0.06 | 0.18 | 0.66 | 0.38 | 0.13 |
| Debt / FCF Ratio | 0.63 | 2.06 | 5.69 | 2.48 | 1.04 | |
| Net Debt / Equity Ratio | -0.10 | -0.01 | 0.11 | 0.59 | 0.28 | 0.08 |
| Net Debt / FCF Ratio | -0.10 | 1.24 | 5.08 | 1.87 | 0.60 | |
| Return on Equity (ROE) | 10.59% | 9.54% | 9.65% | 10.64% | 12.26% | 12.22% |
| Return on Assets (ROA) | 1.41% | 1.25% | 1.17% | 1.18% | 1.35% | 1.45% |
| Earnings Yield | 8.08% | 7.89% | 7.96% | 8.21% | 7.38% | 9.22% |
| FCF Yield | 7.80% | 8.31% | 7.29% | 9.37% | 9.37% | 10.11% |
| Dividend Yield | 2.70% | 2.90% | 3.02% | 2.79% | 2.16% | 2.33% |
| Payout Ratio | 33.33% | 37.05% | 38.00% | 33.99% | 28.54% | 25.26% |
| Buyback Yield / Dilution | 2.05% | 1.13% | 0.38% | -1.94% | -9.50% | 0.49% |
| Total Shareholder Return | 4.75% | 4.03% | 3.39% | 0.85% | -7.34% | 2.81% |