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TriCo BancsharesTCBK +1.10%67 5-Year Yield-on-Cost % is 3.86 as of Aug. 04, 2026, which is 8% above its 10-year median of 3.57. 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 1,252 Banks companies, TriCo Bancshares ranks better than 50.8% on this metric.
TriCo Bancshares's yield on cost for the quarter that ended in Mar. 2026 was 3.86.
The historical rank and industry rank for TriCo Bancshares's 5-Year Yield-on-Cost % or its related term are showing as below:
TCBK'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.35 Med: 3.57 Max: 6.16
Current: 3.86
During the past 13 years, TriCo Bancshares's highest Yield on Cost was 6.16. The lowest was 2.35. And the median was 3.57.
TCBK's 5-Year Yield-on-Cost % is ranked better than 50.8% of 1252
companies
in the Banks industry
Industry Median: 3.825
vs TCBK: 3.86
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
TriCo Bancshares 5-Year Yield-on-Cost % Related Terms
TCBK vs STBA, TFIN, RBCAA: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, TriCo Bancshares's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, TriCo Bancshares's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where TriCo Bancshares's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
TriCo Bancshares (TCBK) has a 5-Year Yield-on-Cost % of 3.86 as of Aug. 04, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on TriCo Bancshares and its competitors. This is near median its historical median of 3.57. Over the past decade, TriCo Bancshares' 5-Year Yield-on-Cost % has ranged from 2.35 to 6.16. According to the industry distribution chart, TriCo Bancshares ranks #616 out of 1252 companies in the Banks industry, placing it in the top 49.2%.
Is TriCo Bancshares' 5-Year Yield-on-Cost % too high?
TriCo Bancshares' current 5-Year Yield-on-Cost % of 3.86 is near median its 10-year median of 3.57. Over the past 10 years, this metric has ranged from a low of 2.35 to a high of 6.16. The Banks industry median 5-Year Yield-on-Cost % is 3.83. TriCo Bancshares' value of 3.86 is 0.9% above this industry median. Based on the distribution chart, TriCo Bancshares ranks #616 out of 1252 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' 5-Year Yield-on-Cost % compare to STBA and TFIN?
According to the Banks industry distribution chart, TriCo Bancshares ranks #616 out of 1252 companies for 5-Year Yield-on-Cost %. This puts TriCo Bancshares in the upper half of its industry. The industry median 5-Year Yield-on-Cost % is 3.83. TriCo Bancshares' value of 3.86 is 0.9% above this benchmark. Historically, TriCo Bancshares' own 5-Year Yield-on-Cost % has ranged from 2.35 to 6.16 over the past decade. While the company's 10-year median is 3.57 vs. the industry median of 3.83, 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.83, based on 1,252 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. TriCo Bancshares's current 5-Year Yield-on-Cost % of 3.86 is 0.9% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on TriCo Bancshares and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.83 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. TriCo Bancshares's current 5-Year Yield-on-Cost % is 3.86, which is near median its own 10-year median of 3.57. 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 $58.71 — trading 26.2% above its estimated fair value. The current 5-Year Yield-on-Cost % is 3.86, which is near median its 10-year median of 3.57 and 0.9% above the Banks industry median of 3.83. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For TriCo Bancshares (TCBK), the current 5-Year Yield-on-Cost % is 3.86 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 $58.71 is trading 26.2% above its estimated GF Value™ of $46.51.
GuruFocus considers TriCo Bancshares to be Modestly Overvalued.
Key valuation signals for TCBK:
5-Year Yield-on-Cost %: 3.86 (near median its 10-year median of 3.57)
GF Value™: $46.51 vs. price of $58.71 (26.2% above fair value)
Industry Position: 0.9% above the Banks median (#616 of 1252)
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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