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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 1.09
NAS:TCBK's Cash to Debt is ranked lower than
60% of the 1639 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.98 vs. NAS:TCBK: 1.09 )
Ranked among companies with meaningful Cash to Debt only.
NAS:TCBK' s Cash to Debt Range Over the Past 10 Years
Min: 0.44  Med: 1.17 Max: 9.69
Current: 1.09
0.44
9.69
Equity to Asset 0.11
NAS:TCBK's Equity to Asset is ranked higher than
57% of the 1660 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. NAS:TCBK: 0.11 )
Ranked among companies with meaningful Equity to Asset only.
NAS:TCBK' s Equity to Asset Range Over the Past 10 Years
Min: 0.08  Med: 0.09 Max: 0.11
Current: 0.11
0.08
0.11
Interest Coverage 12.63
NAS:TCBK's Interest Coverage is ranked higher than
91% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. NAS:TCBK: 12.63 )
Ranked among companies with meaningful Interest Coverage only.
NAS:TCBK' s Interest Coverage Range Over the Past 10 Years
Min: 0.6  Med: 2.1 Max: 13.43
Current: 12.63
0.6
13.43
F-Score: 3
M-Score: -2.45
WACC vs ROIC
7.80%
9.72%
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 : 6/10

vs
industry
vs
history
Operating margin (%) 33.81
NAS:TCBK's Operating margin (%) is ranked higher than
57% of the 1678 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.78 vs. NAS:TCBK: 33.81 )
Ranked among companies with meaningful Operating margin (%) only.
NAS:TCBK' s Operating margin (%) Range Over the Past 10 Years
Min: 6.88  Med: 26.34 Max: 39.34
Current: 33.81
6.88
39.34
Net-margin (%) 20.86
NAS:TCBK's Net-margin (%) is ranked lower than
55% of the 1677 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.15 vs. NAS:TCBK: 20.86 )
Ranked among companies with meaningful Net-margin (%) only.
NAS:TCBK' s Net-margin (%) Range Over the Past 10 Years
Min: 4.88  Med: 15.85 Max: 23.93
Current: 20.86
4.88
23.93
ROE (%) 9.44
NAS:TCBK's ROE (%) is ranked higher than
58% of the 1675 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.39 vs. NAS:TCBK: 9.44 )
Ranked among companies with meaningful ROE (%) only.
NAS:TCBK' s ROE (%) Range Over the Past 10 Years
Min: 2.99  Med: 8.81 Max: 16.83
Current: 9.44
2.99
16.83
ROA (%) 1.02
NAS:TCBK's ROA (%) is ranked higher than
61% of the 1683 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. NAS:TCBK: 1.02 )
Ranked among companies with meaningful ROA (%) only.
NAS:TCBK' s ROA (%) Range Over the Past 10 Years
Min: 0.28  Med: 0.81 Max: 1.43
Current: 1.02
0.28
1.43
Revenue Growth (3Y)(%) 0.30
NAS:TCBK's Revenue Growth (3Y)(%) is ranked lower than
64% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. NAS:TCBK: 0.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
NAS:TCBK' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -0.2  Med: 5.7 Max: 13.9
Current: 0.3
-0.2
13.9
EBITDA Growth (3Y)(%) 15.20
NAS:TCBK's EBITDA Growth (3Y)(%) is ranked higher than
74% of the 1253 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. NAS:TCBK: 15.20 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
NAS:TCBK' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -35.7  Med: 10.9 Max: 59.8
Current: 15.2
-35.7
59.8
EPS Growth (3Y)(%) 17.40
NAS:TCBK's EPS Growth (3Y)(%) is ranked higher than
75% of the 1231 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. NAS:TCBK: 17.40 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
NAS:TCBK' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -38.2  Med: 12.4 Max: 65.9
Current: 17.4
-38.2
65.9
» NAS:TCBK's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2015

TCBK Guru Trades in Q4 2015

Jim Simons 600,637 sh (+0.99%)
» More
Q1 2016

TCBK Guru Trades in Q1 2016

Jim Simons 640,037 sh (+6.56%)
» More
Q2 2016

TCBK Guru Trades in Q2 2016

Columbia Wanger 315,412 sh (New)
Jim Simons 613,737 sh (-4.11%)
» More
Q3 2016

TCBK Guru Trades in Q3 2016

Jim Simons 620,137 sh (+1.04%)
Columbia Wanger 307,800 sh (-2.41%)
» 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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Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:CNOB, NAS:MSFG, NAS:GSBC, NAS:SBCF, NYSE:NBHC, NAS:CTBI, NYSE:BANC, NAS:GABC, NAS:RBCAA, NAS:HFWA, NAS:EFSC, NAS:LBAI, NAS:TRST, NAS:UVSP, NAS:BMTC, NAS:FLIC, NAS:OPB, NAS:LION, NAS:CAC, NAS:GBNK » details
TriCo Bancshares is a bank holding company. The Company offers banking services to retail customers and small to medium-sized businesses through 73 branch offices in Northern and Central California.

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.

Ratios

vs
industry
vs
history
P/E(ttm) 17.23
TCBK's P/E(ttm) is ranked lower than
60% of the 1557 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.95 vs. TCBK: 17.23 )
Ranked among companies with meaningful P/E(ttm) only.
TCBK' s P/E(ttm) Range Over the Past 10 Years
Min: 8.8  Med: 15.18 Max: 50.41
Current: 17.23
8.8
50.41
Forward P/E 15.82
TCBK's Forward P/E is ranked lower than
52% of the 334 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.24 vs. TCBK: 15.82 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 17.23
TCBK's PE(NRI) is ranked lower than
60% of the 1539 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.98 vs. TCBK: 17.23 )
Ranked among companies with meaningful PE(NRI) only.
TCBK' s PE(NRI) Range Over the Past 10 Years
Min: 8.8  Med: 15.18 Max: 50.41
Current: 17.23
8.8
50.41
Price/Owner Earnings (ttm) 16.96
TCBK's Price/Owner Earnings (ttm) is ranked lower than
58% of the 883 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.78 vs. TCBK: 16.96 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
TCBK' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 7.1  Med: 13.36 Max: 121.28
Current: 16.96
7.1
121.28
P/B 1.54
TCBK's P/B is ranked lower than
70% of the 1662 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. TCBK: 1.54 )
Ranked among companies with meaningful P/B only.
TCBK' s P/B Range Over the Past 10 Years
Min: 0.86  Med: 1.35 Max: 2.92
Current: 1.54
0.86
2.92
P/S 3.61
TCBK's P/S is ranked lower than
55% of the 1645 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.21 vs. TCBK: 3.61 )
Ranked among companies with meaningful P/S only.
TCBK' s P/S Range Over the Past 10 Years
Min: 1.43  Med: 2.63 Max: 4.53
Current: 3.61
1.43
4.53
PFCF 20.60
TCBK's PFCF is ranked lower than
73% of the 826 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.19 vs. TCBK: 20.60 )
Ranked among companies with meaningful PFCF only.
TCBK' s PFCF Range Over the Past 10 Years
Min: 4.44  Med: 11.58 Max: 20.6
Current: 20.6
4.44
20.6
POCF 15.23
TCBK's POCF is ranked lower than
66% of the 925 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.51 vs. TCBK: 15.23 )
Ranked among companies with meaningful POCF only.
TCBK' s POCF Range Over the Past 10 Years
Min: 4.08  Med: 9.91 Max: 16.94
Current: 15.23
4.08
16.94
EV-to-EBIT 10.32
TCBK's EV-to-EBIT is ranked higher than
59% of the 1265 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.31 vs. TCBK: 10.32 )
Ranked among companies with meaningful EV-to-EBIT only.
TCBK' s EV-to-EBIT Range Over the Past 10 Years
Min: -3.3  Med: 9.1 Max: 47.6
Current: 10.32
-3.3
47.6
EV-to-EBITDA 9.31
TCBK's EV-to-EBITDA is ranked higher than
60% of the 1263 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.92 vs. TCBK: 9.31 )
Ranked among companies with meaningful EV-to-EBITDA only.
TCBK' s EV-to-EBITDA Range Over the Past 10 Years
Min: -3  Med: 8.1 Max: 30.2
Current: 9.31
-3
30.2
PEG 0.59
TCBK's PEG is ranked higher than
77% of the 752 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.28 vs. TCBK: 0.59 )
Ranked among companies with meaningful PEG only.
TCBK' s PEG Range Over the Past 10 Years
Min: 0.42  Med: 1.14 Max: 1202
Current: 0.59
0.42
1202
Shiller P/E 23.31
TCBK's Shiller P/E is ranked lower than
58% of the 502 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.35 vs. TCBK: 23.31 )
Ranked among companies with meaningful Shiller P/E only.
TCBK' s Shiller P/E Range Over the Past 10 Years
Min: 7.91  Med: 15.86 Max: 25.02
Current: 23.31
7.91
25.02

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.84
TCBK's Dividend Yield is ranked lower than
67% of the 2376 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.79 vs. TCBK: 1.84 )
Ranked among companies with meaningful Dividend Yield only.
TCBK' s Dividend Yield Range Over the Past 10 Years
Min: 1.45  Med: 2.19 Max: 5.09
Current: 1.84
1.45
5.09
Dividend Payout 0.32
TCBK's Dividend Payout is ranked higher than
51% of the 1294 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. TCBK: 0.32 )
Ranked among companies with meaningful Dividend Payout only.
TCBK' s Dividend Payout Range Over the Past 10 Years
Min: 0.17  Med: 0.37 Max: 1.3
Current: 0.32
0.17
1.3
Dividend Growth (3y) 13.00
TCBK's Dividend Growth (3y) is ranked higher than
63% of the 739 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.00 vs. TCBK: 13.00 )
Ranked among companies with meaningful Dividend Growth (3y) only.
TCBK' s Dividend Growth (3y) Range Over the Past 10 Years
Min: -11.5  Med: 4.6 Max: 22.7
Current: 13
-11.5
22.7
Forward Dividend Yield 1.85
TCBK's Forward Dividend Yield is ranked lower than
73% of the 2299 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.98 vs. TCBK: 1.85 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 2.47
TCBK's Yield on cost (5-Year) is ranked lower than
64% of the 2629 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.56 vs. TCBK: 2.47 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
TCBK' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 1.95  Med: 2.94 Max: 6.84
Current: 2.47
1.95
6.84
3-Year Average Share Buyback Ratio -12.50
TCBK's 3-Year Average Share Buyback Ratio is ranked lower than
79% of the 1061 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. TCBK: -12.50 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
TCBK' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -12.5  Med: -0.5 Max: 0.4
Current: -12.5
-12.5
0.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.84
TCBK's Price/Tangible Book is ranked lower than
74% of the 1660 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. TCBK: 1.84 )
Ranked among companies with meaningful Price/Tangible Book only.
TCBK' s Price/Tangible Book Range Over the Past 10 Years
Min: 1.01  Med: 1.66 Max: 3.35
Current: 1.84
1.01
3.35
Price/Projected FCF 0.97
TCBK's Price/Projected FCF is ranked lower than
67% of the 872 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.74 vs. TCBK: 0.97 )
Ranked among companies with meaningful Price/Projected FCF only.
TCBK' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.41  Med: 0.79 Max: 1.38
Current: 0.97
0.41
1.38
Price/Median PS Value 1.37
TCBK's Price/Median PS Value is ranked lower than
71% of the 1450 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. TCBK: 1.37 )
Ranked among companies with meaningful Price/Median PS Value only.
TCBK' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.57  Med: 1.03 Max: 1.71
Current: 1.37
0.57
1.71
Price/Peter Lynch Fair Value 1.48
TCBK's Price/Peter Lynch Fair Value is ranked lower than
64% of the 381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. TCBK: 1.48 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
TCBK' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.46  Med: 1.05 Max: 4.39
Current: 1.48
0.46
4.39
Price/Graham Number 1.19
TCBK's Price/Graham Number is ranked lower than
65% of the 1404 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.92 vs. TCBK: 1.19 )
Ranked among companies with meaningful Price/Graham Number only.
TCBK' s Price/Graham Number Range Over the Past 10 Years
Min: 0.65  Med: 1.05 Max: 1.73
Current: 1.19
0.65
1.73
Earnings Yield (Greenblatt) (%) 9.65
TCBK's Earnings Yield (Greenblatt) (%) is ranked higher than
69% of the 1663 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. TCBK: 9.65 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
TCBK' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 2.1  Med: 10.9 Max: 18.2
Current: 9.65
2.1
18.2
Forward Rate of Return (Yacktman) (%) 17.70
TCBK's Forward Rate of Return (Yacktman) (%) is ranked higher than
65% of the 886 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.59 vs. TCBK: 17.70 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
TCBK' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -14.8  Med: 18.1 Max: 45.3
Current: 17.7
-14.8
45.3

More Statistics

Revenue (TTM) (Mil) $209.5
EPS (TTM) $ 1.90
Beta0.75
Short Percentage of Float2.11%
52-Week Range $23.47 - 32.47
Shares Outstanding (Mil)22.83

Analyst Estimate

Dec16 Dec17 Dec18
Revenue (Mil $) 213 231
EPS ($) 1.87 2.05 2.16
EPS w/o NRI ($) 1.87 2.05 2.16
EPS Growth Rate
(3Y to 5Y Estimate)
10.00%
Dividends Per Share ($) 0.60 0.60 0.62
» More Articles for NAS: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 
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, Other Events, Financial Statements and Exhibits Dec 05 2016
TriCo Bancshares Announces Quarterly Cash Dividend Dec 05 2016
TriCo Bancshares Appoints John S. Fleshood Executive Vice President and Chief Operating Officer Nov 30 2016
5:13 pm TriCo Bancshares names John S. Fleshood as Chief Operating Officer Nov 30 2016
TRICO BANCSHARES / Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Nov 30 2016
TRICO BANCSHARES / Financials Nov 17 2016
ETF’s with exposure to TriCo Bancshares : November 11, 2016 Nov 11 2016
TriCo Bancshares breached its 50 day moving average in a Bullish Manner : TCBK-US : November 10,... Nov 10 2016
TRICO BANCSHARES / Files SEC form 10-Q, Quarterly Report Nov 09 2016
TriCo Bancshares :TCBK-US: Earnings Analysis: Q3, 2016 By the Numbers : October 31, 2016 Oct 31 2016
TRICO BANCSHARES / Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Oct 27 2016
TriCo Bancshares Announces Quarter 3 Earnings Oct 27 2016
TriCo tops 3Q profit forecasts Oct 27 2016
TriCo tops 3Q profit forecasts Oct 27 2016
TriCo Bancshares Announces Quarterly Results Oct 26 2016
TriCo Bancshares : TCBK-US: Dividend Analysis : September 14th, 2016 (record date) : By the numbers... Oct 21 2016
ETF’s with exposure to TriCo Bancshares : October 21, 2016 Oct 21 2016
TriCo Bancshares breached its 50 day moving average in a Bearish Manner : TCBK-US : October 13, 2016 Oct 13 2016
TriCo Bancshares breached its 50 day moving average in a Bearish Manner : TCBK-US : September 27,... Sep 27 2016
TriCo Bancshares breached its 50 day moving average in a Bearish Manner : TCBK-US : September 14,... Sep 14 2016

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