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TriCo BancsharesTCBK +0.96%67 Return-on-Tangible-Equity is 13.24% as of Mar. 2026, which is 1% below its 10-year median of 13.33. 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 1,521 Banks companies, TriCo Bancshares ranks better than 63.77% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. TriCo Bancshares's annualized net income for the quarter that ended in Mar. 2026 was $134.7 Mil. TriCo Bancshares's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $1,017.3 Mil. Therefore, TriCo Bancshares's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 13.24%.
The historical rank and industry rank for TriCo Bancshares's Return-on-Tangible-Equity or its related term are showing as below:
TCBK'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 9.61 Med: 13.33 Max: 16.81
Current: 13.49
During the past 13 years, TriCo Bancshares's highest Return-on-Tangible-Equity was 16.81%. The lowest was 9.61%. And the median was 13.33%.
TCBK's Return-on-Tangible-Equity is ranked better than 63.77% of 1521
companies
in the Banks industry
Industry Median: 11.44
vs TCBK: 13.49
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
TriCo Bancshares Return-on-Tangible-Equity Related Terms
TriCo Bancshares Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for TriCo Bancshares's Return-on-Tangible-Equity 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: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, TriCo Bancshares's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, TriCo Bancshares's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where TriCo Bancshares's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 13.24% mean?
TriCo Bancshares (TCBK) has a Return-on-Tangible-Equity of 13.24% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on TriCo Bancshares and its competitors. This is near median its historical median of 13.33. Over the past decade, TriCo Bancshares' Return-on-Tangible-Equity has ranged from 9.61 to 16.81. According to the industry distribution chart, TriCo Bancshares ranks #551 out of 1521 companies in the Banks industry, placing it in the top 36.2%.
Is TriCo Bancshares' Return-on-Tangible-Equity too high?
TriCo Bancshares' current Return-on-Tangible-Equity of 13.24% is near median its 10-year median of 13.33. Over the past 10 years, this metric has ranged from a low of 9.61 to a high of 16.81. The Banks industry median Return-on-Tangible-Equity is 11.44. TriCo Bancshares' value of 13.24% is 15.7% above this industry median. Based on the distribution chart, TriCo Bancshares ranks #551 out of 1521 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' Return-on-Tangible-Equity compare to STBA and TFIN?
According to the Banks industry distribution chart, TriCo Bancshares ranks #551 out of 1521 companies for Return-on-Tangible-Equity. This puts TriCo Bancshares in the upper half of its industry. The industry median Return-on-Tangible-Equity is 11.44. TriCo Bancshares' value of 13.24% is 15.7% above this benchmark. Historically, TriCo Bancshares' own Return-on-Tangible-Equity has ranged from 9.61 to 16.81 over the past decade. While the company's 10-year median is 13.33 vs. the industry median of 11.44, 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.44, based on 1,521 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. TriCo Bancshares's current Return-on-Tangible-Equity of 13.24% is 15.7% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on TriCo Bancshares and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. TriCo Bancshares's current Return-on-Tangible-Equity is 13.24%, which is near median its own 10-year median of 13.33. 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 Return-on-Tangible-Equity is 13.24%, which is near median its 10-year median of 13.33 and 15.7% above the Banks industry median of 11.44. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For TriCo Bancshares (TCBK), the current Return-on-Tangible-Equity is 13.24% 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:
Return-on-Tangible-Equity: 13.24% (near median its 10-year median of 13.33)
GF Value™: $46.51 vs. price of $58.63 (26.1% above fair value)
Industry Position: 15.7% above the Banks median (#551 of 1521)
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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