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TriCo BancsharesTCBK +1.24%67 Net Margin % is 31.60% as of Mar. 2026, which is 9% above its 10-year median of 29.05. 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 1,525 Banks companies, TriCo Bancshares ranks better than 64.85% on this metric.
TriCo Bancshares (NAS:TCBK) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
TriCo Bancshares Net Margin % Related Terms
TriCo Bancshares Net Margin % Historical Data
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The historical data trend for TriCo Bancshares's Net Margin % 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.
TCBK vs STBA, TFIN, RBCAA: Net Margin % Comparison
For the Banks - Regional subindustry, TriCo Bancshares's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, TriCo Bancshares's Net Margin % distribution charts can be found below:
* The bar in red indicates where TriCo Bancshares's Net Margin % falls into.
* 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 Net Margin % of 31.60% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on TriCo Bancshares and its competitors. This is near median its historical median of 29.05. Over the past decade, TriCo Bancshares' Net Margin % has ranged from 18.43 to 35.72. According to the industry distribution chart, TriCo Bancshares ranks #536 out of 1525 companies in the Banks industry, placing it in the top 35.1%.
Is TriCo Bancshares' Net Margin % too high?
TriCo Bancshares' current Net Margin % of 31.60% is near median its 10-year median of 29.05. Over the past 10 years, this metric has ranged from a low of 18.43 to a high of 35.72. The Banks industry median Net Margin % is 27.08. TriCo Bancshares' value of 31.60% is 16.7% above this industry median. Based on the distribution chart, TriCo Bancshares ranks #536 out of 1525 companies in the Banks industry, which is above the industry midpoint. 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' Net Margin % compare to STBA and TFIN?
According to the Banks industry distribution chart, TriCo Bancshares ranks #536 out of 1525 companies for Net Margin %. This puts TriCo Bancshares in the upper half of its industry. The industry median Net Margin % is 27.08. TriCo Bancshares' value of 31.60% is 16.7% above this benchmark. Historically, TriCo Bancshares' own Net Margin % has ranged from 18.43 to 35.72 over the past decade. While the company's 10-year median is 29.05 vs. the industry median of 27.08, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 27.08, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. TriCo Bancshares's current Net Margin % of 31.60% is 16.7% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on TriCo Bancshares and its competitors. For the Banks industry, the median Net Margin % is 27.08 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. TriCo Bancshares's current Net Margin % is 31.60%, which is near median its own 10-year median of 29.05. 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 $58.79 — trading 26.4% above its estimated fair value. The current Net Margin % is 31.60%, which is near median its 10-year median of 29.05 and 16.7% above the Banks industry median of 27.08. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For TriCo Bancshares (TCBK), the current Net Margin % is 31.60% 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 $58.79 is trading 26.4% above its estimated GF Value™ of $46.51.
GuruFocus considers TriCo Bancshares to be Modestly Overvalued.
Key valuation signals for TCBK:
Net Margin %: 31.60% (near median its 10-year median of 29.05)
GF Value™: $46.51 vs. price of $58.79 (26.4% above fair value)
Industry Position: 16.7% above the Banks median (#536 of 1525)
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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