Tri City BanksharesTRCY +0.16%64 PE Ratio without NRI is 11.73 as of Jul. 05, 2026, which is 2% above its 10-year median of 11.52. GuruFocus rates TRCY with a GF Score™ of 64/100 and a GF Value™ of $15.42 (Modestly Overvalued). Among 1,451 Banks companies, Tri City Bankshares ranks worse than 52.24% on this metric.
The PE Ratio without NRI, or P/E Ratio without non-recurring items, is a financial ratio used to compare a company's market price to its EPS without NRI. As of today (2026-07-05), Tri City Bankshares's share price is $19.23.
Tri City Bankshares's EPS without NRI for the trailing twelve months (TTM) ended in Dec. 2025 was $1.64. Therefore, Tri City Bankshares's PE Ratio without NRI for today is 11.73.
During the past 13 years, Tri City Bankshares's highest PE Ratio without NRI was 20.05. The lowest was 6.56. And the median was 11.52.
Tri City Bankshares's EPS (Basic) for the
six
months ended in Dec. 2025 was $1.64.
Its EPS (Basic) for the trailing twelve months (TTM) ended in Dec. 2025 was $1.64.
Tri City Bankshares (OTCPK:TRCY) PE Ratio without NRI Explanation
The PE Ratio can be viewed as the number of years it takes for the company to earn back the price you pay for the stock. For example, if a company earns $2 a share per year, and the stock is traded at $30, the PE Ratio is 15. Therefore it takes 15 years for the company to earn back the $30 you paid for its stock, assuming the earnings stays constant over the next 15 years.
In real business, earnings never stay constant. If a company can grow its earnings, it takes fewer years for the company to earn back the price you pay for the stock. If a company's earnings decline it takes more years. As a shareholder, you want the company to earn back the price you pay as soon as possible. Therefore, lower P/E stocks are more attractive than higher P/E stocks so long as the PE Ratio is positive. Also for stocks with the same PE Ratio, the one with faster growth business is more attractive.
If a company loses money, the PE Ratio becomes meaningless.
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the PE Ratio divided by the growth ratio. He thinks a company with a PE Ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a PE Ratio of 20, instead of a company growing 10% a year with a PE Ratio of 10.
Because the PE Ratio measures how long it takes to earn back the price you pay, the PE Ratio can be applied to the stocks across different industries. That is why it is the one of the most important and widely used indicators for the valuation of stocks.
Investors need to be aware that the PE Ratio can be misleading a lot of times, especially when the underlying business is cyclical and unpredictable. As Peter Lynch pointed out, cyclical businesses have higher profit margins at the peaks of the business cycles. Their earnings are high and PE Ratio s are artificially low. It is usually a bad idea to buy a cyclical business when the PE Ratio is low. A better ratio to identify the time to buy a cyclical businesses is the PS Ratio.
Tri City Bankshares PE Ratio without NRI Related Terms
Tri City Bankshares PE Ratio without NRI Historical Data
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The historical data trend for Tri City Bankshares's PE Ratio without NRI 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.
TRCY vs UBAB, SBKO, ECBK: PE Ratio without NRI Comparison
For the Banks - Regional subindustry, Tri City Bankshares's PE Ratio without NRI, along with its competitors' market caps and PE Ratio without NRI 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.
Tri City Bankshares PE Ratio without NRI vs Banks Industry
For the Banks industry and Financial Services sector, Tri City Bankshares's PE Ratio without NRI distribution charts can be found below:
* The bar in red indicates where Tri City Bankshares's PE Ratio without NRI falls into.
Tri City Bankshares PE Ratio without NRI Calculation
The PE Ratio without NRI, or P/E Ratio without non-recurring items, is a financial ratio used to compare a company's market price to its EPS without NRI. Regular PE Ratio can be affected by Non Operating Income such as the sale of part of businesses. This may increase for the current year or quarter dramatically. But it cannot be repeated over and over. Therefore PE Ratio without NRI is a more accurate indication of valuation than regular PE Ratio.
Tri City Bankshares's Share Price of today is $19.23.
For company reported annually, GuruFocus uses latest annual data as the TTM data. Tri City Bankshares's EPS without NRI for the trailing twelve months (TTM) ended in Dec. 2025 was $1.64.
* 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.
There are at least three kinds of PE Ratios used by different investors. They are Trailing Twelve Month PE Ratio, Forward PE Ratio, or PE Ratio without NRI. A new PE Ratio based on inflation-adjusted normalized PE Ratio is called Shiller PE Ratio, after Yale professor Robert Shiller.
In the case of PE Ratio without NRI, the reported earnings less the non-recurring items are used.
In the calculation of PE Ratio (TTM), the earnings per share used are the earnings per share over the past 12 months.
For Forward PE Ratio, the earnings are the expected earnings for the next twelve months.
For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. Since it looks at the average over the last 10 years, Shiller PE Ratio is also called PE10.
Tri City Bankshares (TRCY) has a PE Ratio without NRI of 11.73 as of Jul. 05, 2026. P/E without nonrecurring items is the ratio of share price to a company's earnings less one-time charges. View historical data on Tri City Bankshares and its competitors. This is near median its historical median of 11.52. Over the past decade, Tri City Bankshares' PE Ratio without NRI has ranged from 6.56 to 20.05. According to the industry distribution chart, Tri City Bankshares ranks #758 out of 1451 companies in the Banks industry, placing it in the top 52.2%.
Is Tri City Bankshares' PE Ratio without NRI too high?
Tri City Bankshares' current PE Ratio without NRI of 11.73 is near median its 10-year median of 11.52. Over the past 10 years, this metric has ranged from a low of 6.56 to a high of 20.05. The Banks industry median PE Ratio without NRI is 11.47. Tri City Bankshares' value of 11.73 is 2.3% above this industry median. Based on the distribution chart, Tri City Bankshares ranks #758 out of 1451 companies in the Banks industry, which is below the industry midpoint. Overall, Tri City Bankshares has a GF Score™ of 64/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Tri City Bankshares' PE Ratio without NRI compare to UBAB and SBKO?
According to the Banks industry distribution chart, Tri City Bankshares ranks #758 out of 1451 companies for PE Ratio without NRI. This places Tri City Bankshares in the lower half of its industry. The industry median PE Ratio without NRI is 11.47. Tri City Bankshares' value of 11.73 is 2.3% above this benchmark. Historically, Tri City Bankshares' own PE Ratio without NRI has ranged from 6.56 to 20.05 over the past decade. While the company's 10-year median is 11.52 vs. the industry median of 11.47, Tri City Bankshares 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 PE Ratio without NRI for a Banks company?
The median PE Ratio without NRI among Banks companies is 11.47, based on 1,451 companies in the industry. Companies in the top quartile (top 25%) have a PE Ratio without NRI significantly above this median, while those in the bottom quartile fall well below. However, PE Ratio without NRI should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Tri City Bankshares's current PE Ratio without NRI of 11.73 is 2.3% 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 PE Ratio without NRI mean?
A high PE Ratio without NRI can signal that a stock is expensive relative to its fundamentals. P/E without nonrecurring items is the ratio of share price to a company's earnings less one-time charges. View historical data on Tri City Bankshares and its competitors. For the Banks industry, the median PE Ratio without NRI is 11.47 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Tri City Bankshares's current PE Ratio without NRI is 11.73, which is near median its own 10-year median of 11.52. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Tri City Bankshares stock overvalued right now?
Based on GuruFocus' analysis, Tri City Bankshares (TRCY) is currently considered Modestly Overvalued. The stock's GF Value™ is $15.42, compared to a current price of $19.23 — trading 24.7% above its estimated fair value. The current PE Ratio without NRI is 11.73, which is near median its 10-year median of 11.52 and 2.3% above the Banks industry median of 11.47. Tri City Bankshares' overall GF Score™ is 64/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PE Ratio without NRI calculated?
PE Ratio without NRI is calculated from a company's financial statements. For Tri City Bankshares (TRCY), the current PE Ratio without NRI is 11.73 as of Jul. 05, 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 Tri City Bankshares (TRCY) Overvalued in 2026?
Based on GuruFocus' analysis, Tri City Bankshares stock appears to be overvalued.
The current stock price of $19.23 is trading 24.7% above its estimated GF Value™ of $15.42.
GuruFocus considers Tri City Bankshares to be Modestly Overvalued.
Key valuation signals for TRCY:
PE Ratio without NRI: 11.73 (near median its 10-year median of 11.52)
GF Value™: $15.42 vs. price of $19.23 (24.7% above fair value)
Industry Position: 2.3% above the Banks median (#758 of 1451)
No single metric tells the full story. See the TRCY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Tri City Bankshares Corp is a bank holding company. It provides consumer and commercial banking services to individuals and businesses. The services provided by the bank are loan facilities, credit card facilities, reverse mortgages, online banking services, business cards, savings facilities, and other services. It has one reportable segment, community banking.
64GF Score
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PE Ratio without NRI is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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