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Northern California community bank (Tri Counties Bank) offering commercial, retail and agricultural banking.
Northern California community bank (Tri Counties Bank) offering commercial, retail and agricultural banking.
Earns on the gap between loan interest and deposit costs, helped by low-cost deposits gathered through branches in small Northern and Central California towns, plus modest fees from services and mortgage activity. Chico-based, it has grown through several bank acquisitions.
Moat: narrow (scale, distribution). Deep rural/suburban Northern California branch network built over decades.
Headquarters: Chico, California, US · Founded: 1975 · Employees: 1,148
Size TriCo Bancshares (TCBK) is a United States Financials company (Regional Banks) with a market value of $1.67B, the 1916th largest of 3,117 United States companies the cockpit tracks. Shares closed at $52.17 on 6 Nov 2026.
Performance Over six months the shares gained 2.4%, against +3.7% for the median peer and -1.1% for the United States market (cap-weighted) — 10th lowest of 21 in its peer set.
Growth Revenue grew 3.9% over the last twelve months (peer median +3.6%); the operating margin is 43.9% (peer median 39.0%).
Valuation It trades at 1.26× book value against a peer median of 0.92× (7th most expensive of 21).
Price implies The share price implies a return on equity of about 9.6%; TriCo Bancshares delivers 10.6%, so the price asks less than the business earns today.
Short interest Short interest is 4.9% of the free float (15 Oct 2026).
Next results Next results expected around 28 Jan 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | $556M | $539M | $531M | $500M | $419M |
| Revenue growth | — | +1% | +6% | +19% | — |
| Net income | $139M | $122M | $115M | $117M | $125M |
| Free cash flow | n/a | $128M | $104M | $132M | $156M |
| Capital expenditure | n/a | $5.36M | $4.56M | $4.89M | $3.62M |
| Total debt | $66.5M | $80.2M | $216M | $762M | $395M |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| TriCo Bancshares TCBK | $1.67B | +2% | +4% | 11% | 1.26× | 9.6% |
| Westamerica Bancorporation WABC | $1.38B | +9% | -4% | 13% | 1.75× | 11.3% |
| Five Star Bancorp FSBC | $1.08B | +6% | +18% | 15% | 1.75× | 10.4% |
| Mechanics Bancorp MCHB | $3.41B | -1% | +131% | 10% | 1.33× | 14.8% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | TCBK | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +0.5% | +0.7% | 11th highest of 21 |
| 6-month return | +2.4% | +3.7% | 10th lowest of 21 |
| Return on equity | 10.6% | 9.7% | 6th highest of 21 |
| Price / book | 1.26× | 0.92× | 7th most expensive of 21 |
| Trailing P/E | 12.1× | 12.1× | 9th most expensive of 19 |
| ROE the price implies | 9.6% | 6.5% | 9th most demanding of 21 |
| ROE delivered | 10.6% | 9.9% | 6th highest of 20 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| TriCo Bancshares TCBK | United States | $1.67B | +2% | +4% | 11% | 1.26× | 9.6% | 10.6% |
| Bank of Nagoya 8522.T | Japan | $1.67B | -8% | +25% | 7% | 0.83× | 6.1% | 7.3% |
| Nanto Bank 8367.T | Japan | $1.65B | +7% | +13% | 6% | 0.81× | 5.9% | 6.1% |
| Origin Bancorp OBK | United States | $1.64B | +14% | +5% | 10% | 1.29× | 10.1% | 10.4% |
| Bank First BFC | United States | $1.64B | +1% | +33% | 12% | 1.98× | 10.9% | 11.9% |
| Byline Bancorp BY | United States | $1.70B | +15% | +2% | 12% | 1.34× | 10.3% | 12.3% |
| ConnectOne Bancorp CNOB | United States | $1.63B | +8% | +24% | 10% | 1.10× | 10.7% | 9.6% |
| National Bank NBHC | United States | $1.63B | -14% | +14% | 4% | 1.01× | 9.0% | 3.6% |
| Jiangsu Zhangjiagang Rural Commercial Bank 002839.SZ | China | $1.61B | -4% | -10% | 11% | 0.54× | 2.6% | 10.6% |
| Zhejiang Shaoxing Ruifeng Rural Commercial Bank 601528.SS | China | $1.60B | +4% | -8% | 10% | 0.51× | 3.4% | 9.9% |
| Republic Bancorp RBCAA | United States | $1.59B | +17% | -2% | 12% | 1.52× | 10.1% | 11.5% |
| Ogaki Kyoritsu Bank 8361.T | Japan | $1.75B | +45% | +39% | 6% | 0.66× | 6.1% | 5.6% |
| Keiyo Bank 8544.T | Japan | $1.58B | -1% | +19% | 6% | 0.78× | 6.9% | 5.7% |
| Bank of Guizhou 6199.HK | Hong Kong | $1.77B | -4% | -2% | 8% | 0.24× | 3.6% | 8.0% |
| Live Oak Bancshares LOB | United States | $1.57B | -10% | +9% | 11% | 1.30× | 17.1% | 11.1% |
| Jiangsu Jiangyin Rural Commercial Bank 002807.SZ | China | $1.77B | +5% | -3% | 10% | 0.57× | 2.9% | 10.5% |
| S&T Bancorp STBA | United States | $1.79B | +14% | +2% | 10% | 1.27× | 10.8% | 10.0% |
| Yibin City Commercial Bank 2596.HK | Hong Kong | $1.55B | +2% | +6% | 6% | 0.91× | 5.1% | 5.5% |
| Dah Sing Financial 0440.HK | Hong Kong | $1.81B | +4% | -8% | 6% | 0.36× | 4.7% | 5.6% |
| Paragon Banking PAG.L | United Kingdom | $1.81B | +5% | -7% | 12% | 0.95× | 14.0% | 12.0% |
| K Bank 279570.KS | South Korea | $1.53B | -18% | 0% | 6% | 0.93× | 5.3% | n/a |