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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 1.30
TCBK's Cash to Debt is ranked lower than
52% of the 973 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. TCBK: 1.30 )
Ranked among companies with meaningful Cash to Debt only.
TCBK' s 10-Year Cash to Debt Range
Min: 0.42  Med: 1.21 Max: 9.69
Current: 1.3
0.42
9.69
Equity to Asset 0.11
TCBK's Equity to Asset is ranked higher than
57% of the 1290 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. TCBK: 0.11 )
Ranked among companies with meaningful Equity to Asset only.
TCBK' s 10-Year Equity to Asset Range
Min: 0.08  Med: 0.09 Max: 0.11
Current: 0.11
0.08
0.11
Interest Coverage 9.53
TCBK's Interest Coverage is ranked higher than
91% of the 1205 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. TCBK: 9.53 )
Ranked among companies with meaningful Interest Coverage only.
TCBK' s 10-Year Interest Coverage Range
Min: 0.4  Med: 1.04 Max: 9.75
Current: 9.53
0.4
9.75
F-Score: 4
WACC vs ROIC
9.19%
8.95%
WACC
ROIC
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 (%) 28.36
TCBK's Operating margin (%) is ranked lower than
53% of the 1357 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.54 vs. TCBK: 28.36 )
Ranked among companies with meaningful Operating margin (%) only.
TCBK' s 10-Year Operating margin (%) Range
Min: 6.88  Med: 31.27 Max: 39.34
Current: 28.36
6.88
39.34
Net-margin (%) 16.60
TCBK's Net-margin (%) is ranked lower than
67% of the 1356 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.24 vs. TCBK: 16.60 )
Ranked among companies with meaningful Net-margin (%) only.
TCBK' s 10-Year Net-margin (%) Range
Min: 4.88  Med: 19.76 Max: 23.93
Current: 16.6
4.88
23.93
ROE (%) 8.32
TCBK's ROE (%) is ranked higher than
51% of the 1355 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.13 vs. TCBK: 8.32 )
Ranked among companies with meaningful ROE (%) only.
TCBK' s 10-Year ROE (%) Range
Min: 2.99  Med: 12.84 Max: 16.83
Current: 8.32
2.99
16.83
ROA (%) 0.84
TCBK's ROA (%) is ranked higher than
52% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. TCBK: 0.84 )
Ranked among companies with meaningful ROA (%) only.
TCBK' s 10-Year ROA (%) Range
Min: 0.28  Med: 1.12 Max: 1.43
Current: 0.84
0.28
1.43
ROC (Joel Greenblatt) (%) 126.79
TCBK's ROC (Joel Greenblatt) (%) is ranked higher than
67% of the 1348 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 74.52 vs. TCBK: 126.79 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
TCBK' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 35.04  Med: 121.57 Max: 204.62
Current: 126.79
35.04
204.62
Revenue Growth (3Y)(%) -0.20
TCBK's Revenue Growth (3Y)(%) is ranked lower than
61% of the 1149 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. TCBK: -0.20 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
TCBK' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: 5.60 Max: 13.8
Current: -0.2
0
13.8
EBITDA Growth (3Y)(%) 10.80
TCBK's EBITDA Growth (3Y)(%) is ranked higher than
62% of the 1011 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. TCBK: 10.80 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
TCBK' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: 10.10 Max: 59.6
Current: 10.8
0
59.6
EPS Growth (3Y)(%) 8.00
TCBK's EPS Growth (3Y)(%) is ranked lower than
54% of the 1020 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.20 vs. TCBK: 8.00 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
TCBK' s 10-Year EPS Growth (3Y)(%) Range
Min: -37.7  Med: 8.20 Max: 64.5
Current: 8
-37.7
64.5
» TCBK's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2014

TCBK Guru Trades in Q2 2014

Jim Simons 291,900 sh (+9.64%)
» More
Q3 2014

TCBK Guru Trades in Q3 2014

Jim Simons 322,500 sh (+10.48%)
» More
Q4 2014

TCBK Guru Trades in Q4 2014

Jim Simons 399,836 sh (+23.98%)
» More
Q1 2015

TCBK Guru Trades in Q1 2015

Jim Simons 412,837 sh (+3.25%)
» 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%)

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Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 17.18
TCBK's P/E(ttm) is ranked lower than
66% of the 1244 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.30 vs. TCBK: 17.18 )
Ranked among companies with meaningful P/E(ttm) only.
TCBK' s 10-Year P/E(ttm) Range
Min: 8.8  Med: 15.80 Max: 49.78
Current: 17.18
8.8
49.78
Forward P/E 13.00
TCBK's Forward P/E is ranked lower than
58% of the 750 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.38 vs. TCBK: 13.00 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 17.30
TCBK's PE(NRI) is ranked lower than
66% of the 1217 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.30 vs. TCBK: 17.30 )
Ranked among companies with meaningful PE(NRI) only.
TCBK' s 10-Year PE(NRI) Range
Min: 8.8  Med: 15.81 Max: 50.41
Current: 17.3
8.8
50.41
P/B 1.31
TCBK's P/B is ranked lower than
65% of the 1351 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. TCBK: 1.31 )
Ranked among companies with meaningful P/B only.
TCBK' s 10-Year P/B Range
Min: 0.86  Med: 1.43 Max: 2.92
Current: 1.31
0.86
2.92
P/S 2.91
TCBK's P/S is ranked higher than
52% of the 1422 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.99 vs. TCBK: 2.91 )
Ranked among companies with meaningful P/S only.
TCBK' s 10-Year P/S Range
Min: 1.43  Med: 2.62 Max: 4.53
Current: 2.91
1.43
4.53
PFCF 20.54
TCBK's PFCF is ranked lower than
75% of the 825 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.60 vs. TCBK: 20.54 )
Ranked among companies with meaningful PFCF only.
TCBK' s 10-Year PFCF Range
Min: 4.43  Med: 11.65 Max: 20.97
Current: 20.54
4.43
20.97
POCF 17.43
TCBK's POCF is ranked lower than
76% of the 930 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.17 vs. TCBK: 17.43 )
Ranked among companies with meaningful POCF only.
TCBK' s 10-Year POCF Range
Min: 4.08  Med: 9.84 Max: 17.81
Current: 17.43
4.08
17.81
EV-to-EBIT 11.53
TCBK's EV-to-EBIT is ranked higher than
65% of the 1366 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.30 vs. TCBK: 11.53 )
Ranked among companies with meaningful EV-to-EBIT only.
TCBK' s 10-Year EV-to-EBIT Range
Min: -3.3  Med: 9.60 Max: 47.6
Current: 11.53
-3.3
47.6
PEG 0.62
TCBK's PEG is ranked higher than
76% of the 542 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. TCBK: 0.62 )
Ranked among companies with meaningful PEG only.
TCBK' s 10-Year PEG Range
Min: 0.37  Med: 1.22 Max: 209.57
Current: 0.62
0.37
209.57
Shiller P/E 20.23
TCBK's Shiller P/E is ranked lower than
62% of the 771 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.62 vs. TCBK: 20.23 )
Ranked among companies with meaningful Shiller P/E only.
TCBK' s 10-Year Shiller P/E Range
Min: 6.95  Med: 16.38 Max: 26.07
Current: 20.23
6.95
26.07
Days Sales Outstanding 21.92
TCBK's Days Sales Outstanding is ranked higher than
78% of the 770 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 35.19 vs. TCBK: 21.92 )
Ranked among companies with meaningful Days Sales Outstanding only.
TCBK' s 10-Year Days Sales Outstanding Range
Min: 17.15  Med: 27.05 Max: 45.87
Current: 21.92
17.15
45.87

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.90
TCBK's Dividend Yield is ranked lower than
66% of the 2112 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.57 vs. TCBK: 1.90 )
Ranked among companies with meaningful Dividend Yield only.
TCBK' s 10-Year Dividend Yield Range
Min: 1.45  Med: 2.17 Max: 5.09
Current: 1.9
1.45
5.09
Dividend Payout 0.32
TCBK's Dividend Payout is ranked higher than
51% of the 1248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.24 vs. TCBK: 0.32 )
Ranked among companies with meaningful Dividend Payout only.
TCBK' s 10-Year Dividend Payout Range
Min: 0.17  Med: 0.37 Max: 1.3
Current: 0.32
0.17
1.3
Dividend growth (3y) 6.90
TCBK's Dividend growth (3y) is ranked lower than
51% of the 640 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. TCBK: 6.90 )
Ranked among companies with meaningful Dividend growth (3y) only.
TCBK' s 10-Year Dividend growth (3y) Range
Min: -11.5  Med: 4.60 Max: 25
Current: 6.9
-11.5
25
Yield on cost (5-Year) 1.74
TCBK's Yield on cost (5-Year) is ranked lower than
73% of the 2110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.91 vs. TCBK: 1.74 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
TCBK' s 10-Year Yield on cost (5-Year) Range
Min: 1.31  Med: 1.96 Max: 4.6
Current: 1.74
1.31
4.6
Share Buyback Rate -3.90
TCBK's Share Buyback Rate is ranked lower than
63% of the 931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.50 vs. TCBK: -3.90 )
Ranked among companies with meaningful Share Buyback Rate only.
TCBK' s 10-Year Share Buyback Rate Range
Min: 0.7  Med: -0.30 Max: -4.3
Current: -3.9

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.57
TCBK's Price/Tangible Book is ranked lower than
70% of the 1331 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. TCBK: 1.57 )
Ranked among companies with meaningful Price/Tangible Book only.
TCBK' s 10-Year Price/Tangible Book Range
Min: 1.01  Med: 1.66 Max: 3.35
Current: 1.57
1.01
3.35
Price/Projected FCF 0.67
TCBK's Price/Projected FCF is ranked higher than
50% of the 775 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.68 vs. TCBK: 0.67 )
Ranked among companies with meaningful Price/Projected FCF only.
TCBK' s 10-Year Price/Projected FCF Range
Min: 0.41  Med: 0.84 Max: 1.38
Current: 0.67
0.41
1.38
Price/Median PS Value 1.09
TCBK's Price/Median PS Value is ranked higher than
52% of the 1286 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. TCBK: 1.09 )
Ranked among companies with meaningful Price/Median PS Value only.
TCBK' s 10-Year Price/Median PS Value Range
Min: 0.57  Med: 0.99 Max: 1.69
Current: 1.09
0.57
1.69
Price/Peter Lynch Fair Value 0.68
TCBK's Price/Peter Lynch Fair Value is ranked higher than
71% of the 357 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.99 vs. TCBK: 0.68 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
TCBK' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.46  Med: 1.13 Max: 4.39
Current: 0.68
0.46
4.39
Price/Graham Number 1.19
TCBK's Price/Graham Number is ranked lower than
75% of the 1154 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.88 vs. TCBK: 1.19 )
Ranked among companies with meaningful Price/Graham Number only.
TCBK' s 10-Year Price/Graham Number Range
Min: 0.64  Med: 1.10 Max: 1.7
Current: 1.19
0.64
1.7
Earnings Yield (Greenblatt) (%) 8.76
TCBK's Earnings Yield (Greenblatt) (%) is ranked higher than
68% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. TCBK: 8.76 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
TCBK' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 2.1  Med: 10.40 Max: 18.2
Current: 8.76
2.1
18.2
Forward Rate of Return (Yacktman) (%) 45.42
TCBK's Forward Rate of Return (Yacktman) (%) is ranked higher than
89% of the 770 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.43 vs. TCBK: 45.42 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
TCBK' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -16.5  Med: 17.30 Max: 48.2
Current: 45.42
-16.5
48.2

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
TriCo Bancshares is a bank holding company incorporated in California in 1981. The Company's main subsidiary is Tri Counties Bank, a California-chartered commercial bank. The Bank offers banking services to retail customers and small to medium-sized businesses through 63 branch offices in Northern and Central California. The 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 currently operates from 41 traditional branches and 22 in-store branches. 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. 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'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 Bank takes real estate, listed and unlisted securities, savings and time deposits, automobiles, machinery, equipment, inventory, accounts receivable and notes receivable secured by property as collateral for loans. The Bank's deposits are attracted from individuals and business-related sources. As a bank holding company, the Company is subject to the supervision of the Board of Governors of the Federal Reserve System under the BHC Act. The Bank is subject to the supervision of the California Department of Business Oversight and the Federal Deposit Insurance Corporation.
» 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 

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