TriCo Bancshares Common Stock (TCBK)

FairStock Score: 57/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look for banks that earn a respectable return on equity, grow conservatively, and sell near or below book value. TriCo is a $1.6B market-cap regional bank holding company. Using filed figures, fiscal Q2 2026, the quarter ended 2026-06-30, had net income of $34.2M and diluted EPS of $1.06, up from $27.5M and $0.84 in fiscal Q2 2025, the quarter ended 2025-06-30. Fiscal Q1 2026 net income was $33.7M and EPS $1.04; fiscal Q3 2025 net income was $34.0M and EPS $1.04. FY2025 net income was $121.6M and EPS $3.70, versus FY2024 $114.9M and $3.46, and FY2023 $117.4M and $3.52. That is consistent, though not spectacular. FairStock marks it a STALWART, with profit growth of 13.4% a year over five years and revenue growth of 7.1%. At the 2026-10-13 close of $51.06, FairStock's calculations show P/E 12.24, P/B 1.21, ROE 10.38%, PEG 0.51, and dividend yield 2.82%. The price is moderate, not a bargain, and P/B above 1 means the market expects continued decent returns. The moat is limited because regional banking is competitive, but a local deposit franchise and 1,114 employees can produce steady profits. FairStock Piotroski is 5/9 and its FairStock Score is 57/100, suggesting middle-of-the-road quality. The serious gap is bank-specific risk: CET1 capital, net interest margin, nonperforming loans, reserves, and combined ratio are not in the data, so I cannot underwrite credit or leverage. I would need those before calling it safe.

In plain English: TriCo Bancshares is the holding company for Tri Counties Bank, a regional bank that takes deposits and makes loans to people and businesses. The business looks reasonably steady: profits rose in the latest filed quarter and the company pays a dividend. The stock price looks modest compared with profits but not deeply cheap, and the data does not show important bank safety details like capital ratios and loan-loss reserves.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer