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Efficiency Overhead Ratio % for banks is non-interest expenses divided by revenue. It helps show how well banks control their overhead expenses. A lower Efficiency Overhead Ratio suggests that the bank is operating better.
TriCo Bancshares's Efficiency Overhead Ratio % for the quarter that ended in Mar. 2026 was 54.55%
, which is lower than
54.68% for the pervious quarter ended in Dec. 2025.
TriCo Bancshares's Efficiency Overhead Ratio % for the annual that ended in Dec. 2025 was 57.48%
, which is lower than
59.14% for the pervious year ended in Dec. 2024.
The historical rank and industry rank for TriCo Bancshares's Efficiency Overhead Ratio % or its related term are showing as below:
TCBK's Efficiency Overhead Ratio % is not ranked *
in the Banks industry.
Industry Median: * Ranked among companies with meaningful Efficiency Overhead Ratio % only.
TriCo Bancshares (NAS:TCBK) Efficiency Overhead Ratio % Explanation
Efficiency Overhead Ratio % is typically used to analyze how well a company uses its assets and liabilities. It typically calculates the turnover of receivables, the repayment of liabilities, etc. In the banking industry, Efficiency Overhead Ratio % specifically refers to non-interest expenses divided by revenue. This ratio shows how well banks control their overhead expenses and allows analysts to assess their performance.
An Efficiency Overhead Ratio lower than 50% is considered to be optimal. If the Efficiency Overhead Ratio decreases, it means the bank’s expenses are decreasing and revenues are increasing, suggesting the bank is operating better.
TriCo Bancshares Efficiency Overhead Ratio % Related Terms
TriCo Bancshares Efficiency Overhead Ratio % Historical Data
* Premium members only.
The historical data trend for TriCo Bancshares's Efficiency Overhead Ratio % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
TriCo Bancshares Efficiency Overhead Ratio % Chart
TCBK vs STBA, TFIN, RBCAA: Efficiency Overhead Ratio % Comparison
For the Banks - Regional subindustry, TriCo Bancshares's Efficiency Overhead Ratio %, along with its competitors' market caps and Efficiency Overhead Ratio % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
TriCo Bancshares (NAS:TCBK) Efficiency Overhead Ratio % Calculation
Efficiency Overhead Ratio % is calculated as
Efficiency Overhead Ratio %
=
Non-interest Expenses
/
Revenue
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Frequently Asked Questions
What does a Efficiency Overhead Ratio % of 54.55% mean?
TriCo Bancshares (TCBK) has a Efficiency Overhead Ratio % of 54.55% as of Mar. 2026. Efficiency Overhead Ratio for banks is non-interest expenses divided by revenue. It helps show how well banks control their overhead expenses. View historical data on TriCo Bancshares and its competitors.
Is TriCo Bancshares' Efficiency Overhead Ratio % too high?
TriCo Bancshares' current Efficiency Overhead Ratio % is 54.55%. Overall, TriCo Bancshares has a GF Score™ of 67/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does TriCo Bancshares' Efficiency Overhead Ratio % compare to STBA and TFIN?
TriCo Bancshares' Efficiency Overhead Ratio % of 54.55% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Efficiency Overhead Ratio % for a Banks company?
A good Efficiency Overhead Ratio % depends on the Banks industry context. However, Efficiency Overhead Ratio % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Efficiency Overhead Ratio % mean?
A high Efficiency Overhead Ratio % can signal that a stock is expensive relative to its fundamentals. Efficiency Overhead Ratio for banks is non-interest expenses divided by revenue. It helps show how well banks control their overhead expenses. View historical data on TriCo Bancshares and its competitors. TriCo Bancshares's current Efficiency Overhead Ratio % is 54.55%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is TriCo Bancshares stock overvalued right now?
Based on GuruFocus' analysis, TriCo Bancshares (TCBK) is currently considered Modestly Overvalued. The stock's GF Value™ is $46.51, compared to a current price of $58.63 — trading 26.1% above its estimated fair value. The current Efficiency Overhead Ratio % is 54.55%. TriCo Bancshares' overall GF Score™ is 67/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Efficiency Overhead Ratio % calculated?
Efficiency Overhead Ratio % is calculated from a company's financial statements. For TriCo Bancshares (TCBK), the current Efficiency Overhead Ratio % is 54.55% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is TriCo Bancshares (TCBK) Overvalued in 2026?
Based on GuruFocus' analysis, TriCo Bancshares stock appears to be overvalued.
The current stock price of $58.63 is trading 26.1% above its estimated GF Value™ of $46.51.
GuruFocus considers TriCo Bancshares to be Modestly Overvalued.
Key valuation signals for TCBK:
Efficiency Overhead Ratio %: 54.55%
GF Value™: $46.51 vs. price of $58.63 (26.1% above fair value)
No single metric tells the full story. See the TCBK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
TriCo Bancshares is a California corporation organized to act as a bank holding company for Tri Counties Bank. The Bank is a California-chartered bank that is engaged in the general commercial and retail banking business in California counties. The Bank provides a breadth of personal, small business, and commercial financial services, including accepting demand, savings and time deposits and making small business, commercial, real estate, and consumer loans, as well as a range of treasury management services and other customary banking services including safe deposit boxes at some branches. The company's primary source of revenue is the net interest income.
67GF Score
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