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TriCo BancsharesTCBK +0.36%68 EV-to-FCF is 12.68 as of Sep. 10, 2026, which is 9% above its 10-year median of 11.65. GuruFocus rates TCBK with a GF Score™ of 68/100 and a GF Value™ of $48.90 (Fairly Valued). The stock has 1 warning sign investors should review. Among 1,188 Banks companies, TriCo Bancshares ranks worse than 69.7% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, TriCo Bancshares's Enterprise Value is $1,687.5 Mil.
TriCo Bancshares's Free Cash Flow for the trailing twelve months (TTM) ended in Jun. 2026 was $133.1 Mil. Therefore, TriCo Bancshares's EV-to-FCF for today is 12.68.
The historical rank and industry rank for TriCo Bancshares's EV-to-FCF or its related term are showing as below:
TCBK'
s EV-to-FCF Range Over the Past 10 Years
Min: 1.03 Med: 11.65 Max: 22.29
Current: 12.68
During the past 13 years, the highest EV-to-FCF of TriCo Bancshares was 22.29. The lowest was 1.03. And the median was 11.65.
TCBK's EV-to-FCF is ranked worse than 69.7% of 1188
companies
in the Banks industry
Industry Median: 7.125
vs TCBK: 12.68
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
TriCo Bancshares's PE Ratio (TTM) for today is calculated as:
TriCo Bancshares's share price for today is $53.67.
TriCo Bancshares's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $4.170.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
TriCo Bancshares EV-to-FCF Related Terms
TriCo Bancshares EV-to-FCF Historical Data
* Premium members only.
The historical data trend for TriCo Bancshares's EV-to-FCF 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.
For the Banks - Regional subindustry, TriCo Bancshares's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, TriCo Bancshares's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where TriCo Bancshares's EV-to-FCF falls into.
TriCo Bancshares's current Enterprise Value is $1,687.5 Mil.
TriCo Bancshares's Free Cash Flow for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $133.1 Mil.
* 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 (TCBK) has a EV-to-FCF of 12.68 as of Sep. 10, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on TriCo Bancshares and its competitors. This is near median its historical median of 11.65. Over the past decade, TriCo Bancshares' EV-to-FCF has ranged from 1.03 to 22.29. According to the industry distribution chart, TriCo Bancshares ranks #828 out of 1188 companies in the Banks industry, placing it in the top 69.7%.
Is TriCo Bancshares' EV-to-FCF too high?
TriCo Bancshares' current EV-to-FCF of 12.68 is near median its 10-year median of 11.65. Over the past 10 years, this metric has ranged from a low of 1.03 to a high of 22.29. The Banks industry median EV-to-FCF is 7.13. TriCo Bancshares' value of 12.68 is 78% above this industry median. Based on the distribution chart, TriCo Bancshares ranks #828 out of 1188 companies in the Banks industry, which is below the industry midpoint. Overall, TriCo Bancshares has a GF Score™ of 68/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does TriCo Bancshares' EV-to-FCF compare to TFIN and BY?
According to the Banks industry distribution chart, TriCo Bancshares ranks #828 out of 1188 companies for EV-to-FCF. This places TriCo Bancshares in the lower half of its industry. The industry median EV-to-FCF is 7.13. TriCo Bancshares' value of 12.68 is 78% above this benchmark. Historically, TriCo Bancshares' own EV-to-FCF has ranged from 1.03 to 22.29 over the past decade. While the company's 10-year median is 11.65 vs. the industry median of 7.13, TriCo Bancshares has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 7.13, based on 1,188 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. TriCo Bancshares's current EV-to-FCF of 12.68 is 78% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on TriCo Bancshares and its competitors. For the Banks industry, the median EV-to-FCF is 7.13 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. TriCo Bancshares's current EV-to-FCF is 12.68, which is near median its own 10-year median of 11.65. 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 Fairly Valued. The stock's GF Value™ is $48.90, compared to a current price of $53.67 — trading 9.8% above its estimated fair value. The current EV-to-FCF is 12.68, which is near median its 10-year median of 11.65 and 78% above the Banks industry median of 7.13. TriCo Bancshares' overall GF Score™ is 68/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For TriCo Bancshares (TCBK), the current EV-to-FCF is 12.68 as of Sep. 10, 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 $53.67 is trading 9.8% above its estimated GF Value™ of $48.90.
GuruFocus considers TriCo Bancshares to be Fairly Valued.
Key valuation signals for TCBK:
EV-to-FCF: 12.68 (near median its 10-year median of 11.65)
GF Value™: $48.90 vs. price of $53.67 (9.8% above fair value)
Industry Position: 78% above the Banks median (#828 of 1188)
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.
68GF Score
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