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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 1.61
TCBK's Cash to Debt is ranked higher than
76% of the 1256 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.32 vs. TCBK: 1.61 )
TCBK' s 10-Year Cash to Debt Range
Min: 0.44   Max: 9.69
Current: 1.61

0.44
9.69
Equity to Asset 0.10
TCBK's Equity to Asset is ranked higher than
72% of the 1647 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. TCBK: 0.10 )
TCBK' s 10-Year Equity to Asset Range
Min: 0.08   Max: 0.1
Current: 0.1

0.08
0.1
Interest Coverage 9.75
TCBK's Interest Coverage is ranked higher than
97% of the 1502 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. TCBK: 9.75 )
TCBK' s 10-Year Interest Coverage Range
Min: 0.4   Max: 9.75
Current: 9.75

0.4
9.75
F-Score: 3
Z-Score: 0.27
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 33.03
TCBK's Operating margin (%) is ranked higher than
80% of the 1646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.41 vs. TCBK: 33.03 )
TCBK' s 10-Year Operating margin (%) Range
Min: 6.88   Max: 39.34
Current: 33.03

6.88
39.34
Net-margin (%) 19.76
TCBK's Net-margin (%) is ranked higher than
71% of the 1665 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.71 vs. TCBK: 19.76 )
TCBK' s 10-Year Net-margin (%) Range
Min: 4.88   Max: 23.93
Current: 19.76

4.88
23.93
ROE (%) 10.92
TCBK's ROE (%) is ranked higher than
85% of the 1668 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.17 vs. TCBK: 10.92 )
TCBK' s 10-Year ROE (%) Range
Min: 3   Max: 15.83
Current: 10.92

3
15.83
ROA (%) 1.00
TCBK's ROA (%) is ranked higher than
82% of the 1668 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.74 vs. TCBK: 1.00 )
TCBK' s 10-Year ROA (%) Range
Min: 0.27   Max: 1.4
Current: 1

0.27
1.4
ROC (Joel Greenblatt) (%) 144.89
TCBK's ROC (Joel Greenblatt) (%) is ranked higher than
86% of the 1618 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 73.28 vs. TCBK: 144.89 )
TCBK' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 35.46   Max: 202.1
Current: 144.89

35.46
202.1
Revenue Growth (%) 3.60
TCBK's Revenue Growth (%) is ranked higher than
82% of the 1450 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. TCBK: 3.60 )
TCBK' s 10-Year Revenue Growth (%) Range
Min: 3.3   Max: 13.8
Current: 3.6

3.3
13.8
EBITDA Growth (%) 59.60
TCBK's EBITDA Growth (%) is ranked higher than
97% of the 1306 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. TCBK: 59.60 )
TCBK' s 10-Year EBITDA Growth (%) Range
Min: -35.6   Max: 59.6
Current: 59.6

-35.6
59.6
EPS Growth (%) 64.50
TCBK's EPS Growth (%) is ranked higher than
97% of the 1296 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.20 vs. TCBK: 64.50 )
TCBK' s 10-Year EPS Growth (%) Range
Min: -37.7   Max: 64.5
Current: 64.5

-37.7
64.5
» TCBK's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q3 2013

TCBK Guru Trades in Q3 2013

Jim Simons 130,508 sh (+47.97%)
Columbia Wanger Sold Out
» More
Q4 2013

TCBK Guru Trades in Q4 2013

Jim Simons 141,200 sh (+8.19%)
» More
Q1 2014

TCBK Guru Trades in Q1 2014

Jim Simons 266,237 sh (+88.55%)
» More
Q2 2014

TCBK Guru Trades in Q2 2014

Jim Simons 291,900 sh (+9.64%)
» More
» Details

Insider Trades

Latest Guru Trades with TCBK

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)



No Insider Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 14.80
TCBK's P/E(ttm) is ranked higher than
70% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.10 vs. TCBK: 14.80 )
TCBK' s 10-Year P/E(ttm) Range
Min: 8.8   Max: 44.46
Current: 14.8

8.8
44.46
P/B 1.40
TCBK's P/B is ranked higher than
58% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. TCBK: 1.40 )
TCBK' s 10-Year P/B Range
Min: 0.86   Max: 2.92
Current: 1.4

0.86
2.92
P/S 2.60
TCBK's P/S is ranked higher than
65% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.06 vs. TCBK: 2.60 )
TCBK' s 10-Year P/S Range
Min: 1.43   Max: 4.53
Current: 2.6

1.43
4.53
PFCF 12.50
TCBK's PFCF is ranked higher than
68% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 24.14 vs. TCBK: 12.50 )
TCBK' s 10-Year PFCF Range
Min: 4.43   Max: 16.59
Current: 12.5

4.43
16.59
EV-to-EBIT 8.18
TCBK's EV-to-EBIT is ranked higher than
91% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.09 vs. TCBK: 8.18 )
TCBK' s 10-Year EV-to-EBIT Range
Min: 5.5   Max: 47.6
Current: 8.18

5.5
47.6
PEG 0.40
TCBK's PEG is ranked higher than
95% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. TCBK: 0.40 )
TCBK' s 10-Year PEG Range
Min: 0.4   Max: 209.57
Current: 0.4

0.4
209.57
Shiller P/E 19.20
TCBK's Shiller P/E is ranked higher than
77% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 55.69 vs. TCBK: 19.20 )
TCBK' s 10-Year Shiller P/E Range
Min: 6.95   Max: 26.07
Current: 19.2

6.95
26.07

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.00
TCBK's Dividend Yield is ranked lower than
59% of the 1412 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.46 vs. TCBK: 2.00 )
TCBK' s 10-Year Dividend Yield Range
Min: 1.45   Max: 5.09
Current: 2

1.45
5.09
Dividend Payout 0.29
TCBK's Dividend Payout is ranked higher than
77% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.49 vs. TCBK: 0.29 )
TCBK' s 10-Year Dividend Payout Range
Min: 0.17   Max: 1.3
Current: 0.29

0.17
1.3
Dividend growth (3y) 1.60
TCBK's Dividend growth (3y) is ranked higher than
71% of the 977 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.40 vs. TCBK: 1.60 )
TCBK' s 10-Year Dividend growth (3y) Range
Min: -11.5   Max: 22.7
Current: 1.6

-11.5
22.7
Yield on cost (5-Year) 1.53
TCBK's Yield on cost (5-Year) is ranked lower than
71% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.70 vs. TCBK: 1.53 )
TCBK' s 10-Year Yield on cost (5-Year) Range
Min: 1.11   Max: 3.9
Current: 1.53

1.11
3.9
Share Buyback Rate -0.40
TCBK's Share Buyback Rate is ranked higher than
82% of the 1238 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. TCBK: -0.40 )
TCBK' s 10-Year Share Buyback Rate Range
Min: 0.7   Max: -4.3
Current: -0.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.50
TCBK's Price/Tangible Book is ranked higher than
61% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.40 vs. TCBK: 1.50 )
TCBK' s 10-Year Price/Tangible Book Range
Min: 1.01   Max: 3.35
Current: 1.5

1.01
3.35
Price/DCF (Projected) 0.60
TCBK's Price/DCF (Projected) is ranked higher than
86% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. TCBK: 0.60 )
TCBK' s 10-Year Price/DCF (Projected) Range
Min: 0.38   Max: 1.38
Current: 0.6

0.38
1.38
Price/Median PS Value 1.00
TCBK's Price/Median PS Value is ranked higher than
72% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. TCBK: 1.00 )
TCBK' s 10-Year Price/Median PS Value Range
Min: 0.56   Max: 1.62
Current: 1

0.56
1.62
Price/Peter Lynch Fair Value 0.60
TCBK's Price/Peter Lynch Fair Value is ranked higher than
93% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. TCBK: 0.60 )
TCBK' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.48   Max: 4.39
Current: 0.6

0.48
4.39
Price/Graham Number 1.00
TCBK's Price/Graham Number is ranked higher than
68% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. TCBK: 1.00 )
TCBK' s 10-Year Price/Graham Number Range
Min: 0.64   Max: 1.77
Current: 1

0.64
1.77
Earnings Yield (Greenblatt) 12.00
TCBK's Earnings Yield (Greenblatt) is ranked higher than
88% of the 1599 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. TCBK: 12.00 )
TCBK' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.1   Max: 18.2
Current: 12

2.1
18.2
Forward Rate of Return (Yacktman) 44.34
TCBK's Forward Rate of Return (Yacktman) is ranked higher than
90% of the 1295 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.09 vs. TCBK: 44.34 )
TCBK' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -17.6   Max: 46.1
Current: 44.34

-17.6
46.1

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
TriCo Bancshares is a California corporation incorporated in 1981. It is a bank holding company for Tri Counties Bank. Tri Counties Bank engages in the general commercial banking business in the California counties of Butte, Contra Costa, Del Norte, Fresno, Glenn, Kern, Lake, Lassen, Madera, Mendocino, Merced, Napa, Nevada, Placer, Sacramento, Shasta, Siskiyou, Stanislaus, Sutter, Tehama, Tulare, Yolo and Yuba. The Bank conducts a commercial banking business including accepting demand, savings and time deposits and making commercial, real estate, and consumer loans. It also offers installment note collection, issues cashier's checks, sells travelers checks and provides safe deposit boxes and other customary banking services. The Bank offers 24-hour ATMs at all branch locations. The Bank's 72 ATMs are linked to several national and regional networks such as CIRRUS and STAR. In addition, banking by telephone on a 24-hour toll-free number is available to all customers. This service allows a customer to obtain account balances and most recent transactions, transfer moneys between accounts, make loan payments, and obtain interest rate information. Brokerage services are provided at the bank's offices by the bank's association with Raymond James Financial Services, Inc., an independent financial services provider and broker-dealer. The Bank does not offer trust services or international banking services. Most of the bank's customers are retail customers and small to medium-sized businesses. The bank serves the needs of local businesses, farmers and ranchers, retired individuals and wage earners. The majority of the Bank's loans are direct loans made to individuals and businesses in northern and central California where its branches are located. The Company competes exclusively in northern and central California for loans, deposits and customers with commercial banks, savings and loan associations, credit unions, finance companies, mutual funds, insurance companies, and brokerage and investment banking firms. It is subject to extensive regulation, supervision and examination by the DFI, FDIC, and the FRB.
» More Articles for TCBK

Headlines

Articles On GuruFocus.com
TriCo Bancshares Reports Operating Results (10-K) Mar 11 2011 
TriCo Bancshares Reports Operating Results (10-Q) May 10 2010 
TriCo Bancshares Reports Operating Results (10-Q) Aug 11 2009 
TriCo Bancshares Reports Operating Results (10-Q) May 08 2009 
TriCo Bancshares (tcbk) CEO Richard P Smith buys 10,000 Shares Mar 05 2009 
TriCo Bancshares (tcbk) CEO Richard P Smith buys 20,000 Shares Mar 04 2009 
TriCo Bancshares (tcbk) CEO Richard P Smith buys 10,000 Shares Mar 03 2009 
TriCo Bancshares Announces Annual and Quarterly Earnings for the Periods Ended December 31, 2008 Feb 03 2009 
Weekly CEO Buys Highlight: TriCo Bancshares, The Greenbrier Companies Inc, Winthrop Realty Trust, JM Jan 17 2009 
Weekly CEO Buys Highlight: TriCo Bancshares, Hormel Foods Corp, JMP Group Inc, Kaman Corp. Jan 11 2009 


More From Other Websites
TRICO BANCSHARES / Financials Aug 15 2014
TRICO BANCSHARES / Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Aug 13 2014
TriCo Bancshares and North Valley Bancorp Shareholders Overwhelmingly Approve Merger Aug 08 2014
TRICO BANCSHARES / Files SEC form 8-K, Submission of Matters to a Vote of Security Holders Aug 08 2014
TRICO BANCSHARES / Files SEC form 10-Q, Quarterly Report Aug 08 2014
TriCo Bancshares Announces Quarter 2 Earnings Aug 04 2014
TRICO BANCSHARES / Files SEC form 8-K, Other Events Aug 01 2014
TRICO BANCSHARES / Files SEC form 8-K, Other Events, Financial Statements and Exhibits Jul 29 2014
TriCo Bancshares to Participate at Keefe Bruyette & Woods 2014 Community Bank Conference Jul 28 2014
TRICO BANCSHARES / Files SEC form 8-K, Results of Operations and Financial Condition, Other Events,... Jul 28 2014
TriCo Bancshares Announces Quarterly Results Jul 28 2014
TRICO BANCSHARES / Files SEC form 8-K, Other Events Jun 06 2014
TRICO BANCSHARES / Files SEC form 8-K, Other Events, Financial Statements and Exhibits Jun 05 2014
TriCo Bancshares Terminates Shareholder Rights Plan Jun 04 2014
TriCo Bancshares Announces Quarterly Cash Dividend Jun 04 2014
TRICO BANCSHARES / Files SEC form 8-K, Entry into a Material Definitive Agreement, Material... Jun 04 2014
TRICO BANCSHARES / Files SEC form 10-Q, Quarterly Report May 09 2014
TriCo Bancshares (TCBK) is now in Oversold Territory May 09 2014
TRICO BANCSHARES / Files SEC form 8-K, Results of Operations and Financial Condition, Other Events,... Apr 29 2014
TriCo Bancshares Announces Quarterly Results Apr 29 2014

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