TCBK (TriCo Bancshares) Moat Score: 4/10 (As of Aug. 04, 2026)

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TCBK TriCo Bancshares TCBK
67 GF Score
Price $58.63
GF Value $46.51
Valuation Modestly Overvalued
! 6 Warning Signs
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What is TriCo Bancshares Moat Score?

TriCo Bancshares TCBK +0.96% 67 Moat Score is 4 as of Aug. 04, 2026. GuruFocus rates TCBK with a GF Score™ of 67/100 and a GF Value™ of $46.51 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,608 Banks companies, TriCo Bancshares ranks better than 86.26% on this metric.

TriCo Bancshares has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

TriCo Bancshares has Narrow Moat: TriCo Bancshares has a modest moat with some regional market presence and customer loyalty. However, it lacks significant cost advantages, intellectual property, and global market leadership, resulting in a limited competitive edge.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes TriCo Bancshares might have Narrow Moat - Discernible but modest moat.

TriCo Bancshares  (NAS:TCBK) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

TriCo Bancshares Moat Score Related Terms

TCBK vs STBA, TFIN, RBCAA: Moat Score Comparison

For the Banks - Regional subindustry, TriCo Bancshares's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, TriCo Bancshares's Moat Score distribution charts can be found below:

* The bar in red indicates where TriCo Bancshares's Moat Score falls into.


TCBK
67GF Score
TriCo Bancshares TCBK
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
TriCo Bancshares (TCBK) has a Moat Score of 4 as of Aug. 04, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, TriCo Bancshares ranks #221 out of 1608 companies in the Banks industry, placing it in the top 13.7%.
Is TriCo Bancshares' Moat Score too high?
TriCo Bancshares' current Moat Score is 4. Based on the distribution chart, TriCo Bancshares ranks #221 out of 1608 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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' Moat Score compare to STBA and TFIN?
According to the Banks industry distribution chart, TriCo Bancshares ranks #221 out of 1608 companies for Moat Score. This places TriCo Bancshares in the top 14% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. TriCo Bancshares's current Moat Score is 4. 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 Moat Score is 4. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For TriCo Bancshares (TCBK), the current Moat Score is 4 as of Aug. 04, 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:

  • Moat Score: 4
  • GF Value™: $46.51 vs. price of $58.63 (26.1% above fair value)
  • GF Score™: 67/100 with 6 warning signs

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 Business Description

Address 63 Constitution Drive, Chico, CA, USA, 95973
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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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$58.63
Price
$46.51
GF Value