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TriCo BancsharesTCBK +1.24%67 ROE % is 10.16% as of Mar. 2026, which is 2% above its 10-year median of 9.95. 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 1,523 Banks companies, TriCo Bancshares ranks worse than 50.3% on this metric.
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % 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 ROE %s can be extremely high.
TriCo Bancshares ROE % Related Terms
TriCo Bancshares ROE % Historical Data
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The historical data trend for TriCo Bancshares's ROE % 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Banks Industry
For the Banks industry and Financial Services sector, TriCo Bancshares's ROE % distribution charts can be found below:
* The bar in red indicates where TriCo Bancshares's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder 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.
ROE % is displayed in the 30-year financial page.
TriCo Bancshares (TCBK) has a ROE % of 10.16% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on TriCo Bancshares and its competitors. This is near median its historical median of 9.95. Over the past decade, TriCo Bancshares' ROE % has ranged from 7.08 to 12.26. According to the industry distribution chart, TriCo Bancshares ranks #766 out of 1523 companies in the Banks industry, placing it in the top 50.3%.
Is TriCo Bancshares' ROE % too high?
TriCo Bancshares' current ROE % of 10.16% is near median its 10-year median of 9.95. Over the past 10 years, this metric has ranged from a low of 7.08 to a high of 12.26. The Banks industry median ROE % is 10.35. TriCo Bancshares' value of 10.16% is 1.8% below this industry median. Based on the distribution chart, TriCo Bancshares ranks #766 out of 1523 companies in the Banks industry, which is below 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' ROE % compare to STBA and TFIN?
According to the Banks industry distribution chart, TriCo Bancshares ranks #766 out of 1523 companies for ROE %. This places TriCo Bancshares in the lower half of its industry. The industry median ROE % is 10.35. TriCo Bancshares' value of 10.16% is 1.8% below this benchmark. Historically, TriCo Bancshares' own ROE % has ranged from 7.08 to 12.26 over the past decade. While the company's 10-year median is 9.95 vs. the industry median of 10.35, TriCo Bancshares has consistently been below 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.35, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. TriCo Bancshares's current ROE % of 10.16% is 1.8% below 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on TriCo Bancshares and its competitors. For the Banks industry, the median ROE % is 10.35 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. TriCo Bancshares's current ROE % is 10.16%, which is near median its own 10-year median of 9.95. 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 ROE % is 10.16%, which is near median its 10-year median of 9.95 and 1.8% below the Banks industry median of 10.35. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For TriCo Bancshares (TCBK), the current ROE % is 10.16% 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:
ROE %: 10.16% (near median its 10-year median of 9.95)
GF Value™: $46.51 vs. price of $58.79 (26.4% above fair value)
Industry Position: 1.8% below the Banks median (#766 of 1523)
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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