TCBK · Trico Bancshares / - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | $51.33M | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - |
| D&A | - | - | - | - | - | - |
| Operating Income | $166.16M | $155.10M | $160.91M | $173.91M | $163.70M | $87.35M |
| Interest Expense | - | - | $81.68M | $9.53M | $5.51M | $9.46M |
| Income Tax | $44.60M | $40.24M | $43.52M | $48.49M | $46.05M | $22.54M |
| Net Income | $121.56M | $114.87M | $117.39M | $125.42M | $117.66M | $64.81M |
| EPS - Basic | $3.72 | $3.47 | $3.53 | $3.85 | $3.96 | $2.17 |
| EPS - Diluted | $3.70 | $3.46 | $3.52 | $3.83 | $3.94 | $2.16 |
Balance Sheet
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $157.01M | $144.96M | $98.70M | $107.23M | $768.42M | $669.55M |
| Accounts Receivable | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - |
| Total Assets | $9.82B | $9.67B | $9.91B | $9.93B | $8.61B | $7.64B |
| Current Liabilities | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - |
| Total Liabilities | $8.49B | $8.45B | $8.75B | $8.88B | $7.61B | $6.71B |
| Stockholders' Equity | $1.33B | $1.22B | $1.16B | $1.05B | $1.00B | $925.11M |
| Retained Earnings | $740.24M | $679.91M | $615.50M | $542.87M | $466.96M | $382.00M |
Cash Flow
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $133.29M | $109.71M | $138.89M | $162.90M | $132.21M | $114.80M |
| Investing Cash Flow | ($82.63M) | $285.00M | $28.57M | ($723.22M) | ($883.81M) | ($816.33M) |
| Financing Cash Flow | ($38.60M) | ($348.45M) | ($175.98M) | ($100.86M) | $850.47M | $1.09B |
| CapEx | $5.36M | $4.56M | $4.89M | $3.62M | $3.20M | $2.81M |
| Free Cash Flow | $127.93M | $105.15M | $134.00M | $159.27M | $129.01M | $111.99M |
Ratios
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | 323.7% | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - |
| Net margin | 236.8% | - | - | - | - | - |
| Free cash flow margin | 249.2% | - | - | - | - | - |
| FCF / Net income | 1.05 | 0.92 | 1.14 | 1.27 | 1.10 | 1.73 |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - |
| Effective tax rate | 26.8% | 25.9% | 27.0% | 27.9% | 28.1% | 25.8% |
| Return on assets | 1.2% | 1.2% | 1.2% | 1.3% | 1.4% | 0.8% |
| Return on equity | 9.2% | 9.4% | 10.1% | 12.0% | 11.8% | 7.0% |
| Return on invested capital | - | - | - | - | - | - |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - |
| Leverage | ||||||
| Debt / Equity | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - |
| Interest coverage | - | - | 2.0x | 18.3x | 29.7x | 9.2x |
| Equity multiplier | 7.40 | 7.92 | 8.55 | 9.49 | 8.61 | 8.26 |
| Liabilities / Assets | 0.86 | 0.87 | 0.88 | 0.89 | 0.88 | 0.88 |
| Efficiency | ||||||
| Asset turnover | 0.01 | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | 12.8x | 12.6x | 12.2x | 13.3x | 10.9x | 16.3x |
| P / B | 1.2x | 1.2x | 1.2x | 1.6x | 1.3x | 1.1x |
| P / S | 30.3x | - | - | - | - | - |
| EV / EBITDA | - | - | - | - | - | - |
| Growth | ||||||
| Revenue growth (YoY) | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - |
| Operating income growth (YoY) | 7.1% | -3.6% | -7.5% | 6.2% | 87.4% | -31.1% |
| Net income growth (YoY) | 5.8% | -2.1% | -6.4% | 6.6% | 81.5% | -29.6% |
| EPS growth (YoY) | 6.9% | -1.7% | -8.1% | -2.8% | 82.4% | -28.0% |
| EPS CAGR (3y) | -1.1% | -4.2% | 17.7% | 8.5% | 15.8% | 7.5% |
| EPS CAGR (5y) | 11.4% | 2.9% | 6.7% | 17.1% | 15.2% | 2.5% |
| FCF growth (YoY) | 21.7% | -21.5% | -15.9% | 23.5% | 15.2% | 13.7% |
| FCF CAGR (5y) | 2.7% | 1.3% | 26.9% | 31.7% | 28.2% | 17.8% |
| Book value growth (YoY) | 8.8% | 5.3% | 10.8% | 4.6% | 8.1% | 2.0% |
Sales by segment
From XBRL dimensional facts in the 10-K period ending 2025-12-31.
Business segments
$538.91M totalReportable Segment$538.91M · 100.0%
Product / service
$53.45M totalCredit And Debit Card$25.54M · 47.8%
Deposit Account$20.97M · 39.2%
Financial Service Other$5.76M · 10.8%
Mortgage Banking$1.74M · 3.2%
Excess Mortgage Servicing Rights($560.0K) · -1.0%
Stability scores
Piotroski F-score
FY 2025 · 9-point quality
5/9
Neutral
- ✓Net income positive
- ✓Operating cash flow positive
- ✓ROA improved YoY
- ✓Cash flow > net income
- -Long-term debt decreased
- -Current ratio improved
- ✓No share dilution
- -Gross margin improved
- -Asset turnover improved
Peer comparison
Same SIC group: State Commercial Banks
Comparing TRICO BANCSHARES / against the 5 most active filers in the same SIC group.
Dividends
$1.41/share trailing 12 months · +6.8% YoY
| Ex-date | Per share |
|---|---|
| Mar 6, 2026 | $0.3600 |
| Dec 5, 2025 | $0.3600 |
| Sep 5, 2025 | $0.3600 |
| Jun 6, 2025 | $0.3300 |
| Mar 7, 2025 | $0.3300 |
| Dec 6, 2024 | $0.3300 |
| Sep 6, 2024 | $0.3300 |
| Jun 7, 2024 | $0.3300 |
| Mar 7, 2024 | $0.3300 |
| Dec 7, 2023 | $0.3000 |
| Sep 7, 2023 | $0.3000 |
| Jun 8, 2023 | $0.3000 |
| Mar 16, 2023 | $0.3000 |
| Dec 8, 2022 | $0.3000 |
| Sep 8, 2022 | $0.3000 |
| Jun 9, 2022 | $0.2500 |
| Mar 10, 2022 | $0.2500 |
| Dec 16, 2021 | $0.2500 |
| Sep 9, 2021 | $0.2500 |
| Jun 10, 2021 | $0.2500 |
| Mar 11, 2021 | $0.2500 |
| Dec 3, 2020 | $0.2200 |
| Sep 10, 2020 | $0.2200 |
| Jun 11, 2020 | $0.2200 |