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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 1.38
TCBK's Cash to Debt is ranked higher than
76% of the 1566 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. TCBK: 1.38 )
TCBK' s 10-Year Cash to Debt Range
Min: 0.42   Max: 9.69
Current: 1.38

0.42
9.69
Equity to Asset 0.10
TCBK's Equity to Asset is ranked higher than
71% of the 2010 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
96% of the 1837 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 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: 0.32
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 (%) 31.22
TCBK's Operating margin (%) is ranked higher than
78% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.33 vs. TCBK: 31.22 )
TCBK' s 10-Year Operating margin (%) Range
Min: 6.88   Max: 39.34
Current: 31.22

6.88
39.34
Net-margin (%) 18.36
TCBK's Net-margin (%) is ranked higher than
69% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.41 vs. TCBK: 18.36 )
TCBK' s 10-Year Net-margin (%) Range
Min: 4.88   Max: 23.93
Current: 18.36

4.88
23.93
ROE (%) 10.02
TCBK's ROE (%) is ranked higher than
81% of the 2031 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.59 vs. TCBK: 10.02 )
TCBK' s 10-Year ROE (%) Range
Min: 2.99   Max: 16.83
Current: 10.02

2.99
16.83
ROA (%) 0.94
TCBK's ROA (%) is ranked higher than
79% of the 2034 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. TCBK: 0.94 )
TCBK' s 10-Year ROA (%) Range
Min: 0.28   Max: 1.43
Current: 0.94

0.28
1.43
ROC (Joel Greenblatt) (%) 137.42
TCBK's ROC (Joel Greenblatt) (%) is ranked higher than
85% of the 2003 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.89 vs. TCBK: 137.42 )
TCBK' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 39.74   Max: 204.62
Current: 137.42

39.74
204.62
Revenue Growth (3Y)(%) 3.60
TCBK's Revenue Growth (3Y)(%) is ranked higher than
82% of the 1740 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. TCBK: 3.60 )
TCBK' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 13.8
Current: 3.6

0
13.8
EBITDA Growth (3Y)(%) 59.60
TCBK's EBITDA Growth (3Y)(%) is ranked higher than
97% of the 1563 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. TCBK: 59.60 )
TCBK' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 59.6
Current: 59.6

0
59.6
EPS Growth (3Y)(%) 64.50
TCBK's EPS Growth (3Y)(%) is ranked higher than
97% of the 1547 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. TCBK: 64.50 )
TCBK' s 10-Year EPS Growth (3Y)(%) 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

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
Q3 2014

TCBK Guru Trades in Q3 2014

Jim Simons 322,500 sh (+10.48%)
» 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 Guru Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 15.50
TCBK's P/E(ttm) is ranked higher than
76% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.80 vs. TCBK: 15.50 )
TCBK' s 10-Year P/E(ttm) Range
Min: 8.8   Max: 49.78
Current: 15.5

8.8
49.78
P/B 1.47
TCBK's P/B is ranked higher than
68% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. TCBK: 1.47 )
TCBK' s 10-Year P/B Range
Min: 0.86   Max: 2.92
Current: 1.47

0.86
2.92
P/S 2.85
TCBK's P/S is ranked higher than
79% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.56 vs. TCBK: 2.85 )
TCBK' s 10-Year P/S Range
Min: 1.43   Max: 4.53
Current: 2.85

1.43
4.53
PFCF 16.71
TCBK's PFCF is ranked higher than
79% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. TCBK: 16.71 )
TCBK' s 10-Year PFCF Range
Min: 4.43   Max: 18.86
Current: 16.71

4.43
18.86
EV-to-EBIT 12.22
TCBK's EV-to-EBIT is ranked higher than
82% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.47 vs. TCBK: 12.22 )
TCBK' s 10-Year EV-to-EBIT Range
Min: -3.3   Max: 47.6
Current: 12.22

-3.3
47.6
PEG 0.44
TCBK's PEG is ranked higher than
96% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. TCBK: 0.44 )
TCBK' s 10-Year PEG Range
Min: 0.37   Max: 183.38
Current: 0.44

0.37
183.38
Shiller P/E 20.78
TCBK's Shiller P/E is ranked higher than
84% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. TCBK: 20.78 )
TCBK' s 10-Year Shiller P/E Range
Min: 6.99   Max: 26.07
Current: 20.78

6.99
26.07

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.80
TCBK's Dividend Yield is ranked lower than
61% of the 1876 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.32 vs. TCBK: 1.80 )
TCBK' s 10-Year Dividend Yield Range
Min: 1.45   Max: 5.09
Current: 1.8

1.45
5.09
Dividend Payout 0.28
TCBK's Dividend Payout is ranked higher than
80% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.61 vs. TCBK: 0.28 )
TCBK' s 10-Year Dividend Payout Range
Min: 0.17   Max: 1.3
Current: 0.28

0.17
1.3
Dividend growth (3y) 1.60
TCBK's Dividend growth (3y) is ranked higher than
71% of the 1127 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.50 vs. TCBK: 1.60 )
TCBK' s 10-Year Dividend growth (3y) Range
Min: -11.5   Max: 26
Current: 1.6

-11.5
26
Yield on cost (5-Year) 1.38
TCBK's Yield on cost (5-Year) is ranked lower than
72% of the 1889 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.53 vs. TCBK: 1.38 )
TCBK' s 10-Year Yield on cost (5-Year) Range
Min: 1.11   Max: 3.9
Current: 1.38

1.11
3.9
Share Buyback Rate -0.40
TCBK's Share Buyback Rate is ranked higher than
81% of the 1472 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 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 1.61
TCBK's Price/Tangible Book is ranked higher than
70% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.58 vs. TCBK: 1.61 )
TCBK' s 10-Year Price/Tangible Book Range
Min: 1.01   Max: 3.35
Current: 1.61

1.01
3.35
Price/DCF (Projected) 0.55
TCBK's Price/DCF (Projected) is ranked higher than
89% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.09 vs. TCBK: 0.55 )
TCBK' s 10-Year Price/DCF (Projected) Range
Min: 0.41   Max: 1.38
Current: 0.55

0.41
1.38
Price/Median PS Value 1.07
TCBK's Price/Median PS Value is ranked higher than
79% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.21 vs. TCBK: 1.07 )
TCBK' s 10-Year Price/Median PS Value Range
Min: 0.57   Max: 1.69
Current: 1.07

0.57
1.69
Price/Peter Lynch Fair Value 0.62
TCBK's Price/Peter Lynch Fair Value is ranked higher than
96% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. TCBK: 0.62 )
TCBK' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.46   Max: 4.39
Current: 0.62

0.46
4.39
Price/Graham Number 1.05
TCBK's Price/Graham Number is ranked higher than
75% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. TCBK: 1.05 )
TCBK' s 10-Year Price/Graham Number Range
Min: 0.64   Max: 1.77
Current: 1.05

0.64
1.77
Earnings Yield (Greenblatt) 8.20
TCBK's Earnings Yield (Greenblatt) is ranked higher than
79% of the 1996 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. TCBK: 8.20 )
TCBK' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.1   Max: 58.5
Current: 8.2

2.1
58.5
Forward Rate of Return (Yacktman) 47.23
TCBK's Forward Rate of Return (Yacktman) is ranked higher than
91% of the 1246 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.25 vs. TCBK: 47.23 )
TCBK' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -16.5   Max: 48
Current: 47.23

-16.5
48

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 

More From Other Websites
TRICO BANCSHARES / Files SEC form 8-K/A, Financial Statements and Exhibits Dec 16 2014
TriCo Bancshares Announces Quarterly Cash Dividend Dec 10 2014
TRICO BANCSHARES / Files SEC form 8-K, Other Events, Financial Statements and Exhibits Dec 05 2014
TriCo Bancshares Announces Quarterly Cash Dividend Dec 04 2014
TRICO BANCSHARES / Financials Nov 14 2014
TRICO BANCSHARES / Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Nov 14 2014
10-Q for TriCo Bancshares Nov 09 2014
TRICO BANCSHARES / Files SEC form 10-Q, Quarterly Report Nov 07 2014
TriCo Bancshares Announces Quarter 3 Earnings Oct 30 2014
Trico Bancshares Announces Quarter 3 Earnings Oct 30 2014
TRICO BANCSHARES / Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Oct 29 2014
TriCo Bancshares Announces Quarterly Results Oct 29 2014
TRICO BANCSHARES / Files SEC form 8-K, Completion of Acquisition or Disposition of Assets, Change in... Oct 06 2014
TriCo Bancshares Announces the Completion of Its Merger with North Valley Bancorp Oct 03 2014
TriCo Bancshares (TCBK) is Overbought: Is A Drop Coming? Sep 11 2014
TRICO BANCSHARES / Files SEC form 8-K, Other Events, Financial Statements and Exhibits Sep 05 2014
TriCo Bancshares Announces Quarterly Cash Dividend Sep 04 2014
TRICO BANCSHARES / Files SEC form 8-K, Other Events, Financial Statements and Exhibits Sep 04 2014
Tri Counties Bank and North Valley Bank Receive Regulatory Approvals for Merger Sep 03 2014
TRICO BANCSHARES / Files SEC form 8-K/A, Change in Directors or Principal Officers, Financial... Aug 26 2014

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