Stocktoria

TRICO BANCSHARES / TCBK

Nasdaq · stock · State Commercial Banks · website · IPO 1993-04-19

TRICO BANCSHARES / statistics & valuation

Market cap$1.7B
P / E14.2×
P / S32.2×
P / B1.3×
P / FCF13.4×
Dividend yield2.62%
Net margin227.4%
Return on equity9.2%
FCF margin239.4%
Graham number +0.7%$58.01

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($58.01); a green figure means the price is below it.

Profitability & efficiency

Net margin (%)
134.90% 108.40% 177.60% 227.80% 170.60% 267.70% 252.00% 234.40% 223.80% 227.40% 2016201720182019202020212022202320242025
Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
9.40% 8.00% 8.30% 10.30% 7.00% 11.80% 12.00% 10.10% 9.40% 9.20% 2016201720182019202020212022202320242025
Shares outstanding
23.1M 23.2M 30.4M 30.6M 30.0M 29.9M 33.3M 33.4M 33.2M 32.9M 2016201720182019202020212022202320242025
Net debt ($)
2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
1.00% 0.90% 1.10% 1.40% 0.80% 1.40% 1.30% 1.20% 1.20% 1.20% 2016201720182019202020212022202320242025
Free cash flow margin (%)
112.20% 107.50% 217.60% 243.70% 294.90% 293.60% 320.00% 267.50% 204.90% 239.40% 2016201720182019202020212022202320242025
Debt / equity (×)
2016201720182019202020212022202320242025
EPS ($)
$1.94 $1.74 $2.54 $3.00 $2.16 $3.94 $3.83 $3.52 $3.46 $3.70 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

TRICO BANCSHARES / trades at about 15.6× earnings — above its 10-year norm (10-year range 10.3×–21.3×, median 13.5×).

10.3× 21.3×

Shaded band = 10-year range (10.3×–21.3×); dot = today's 15.6×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Net margin227.4%223.8%234.4%252.0%267.7%170.6%227.8%177.6%108.4%134.9%
FCF margin239.4%204.9%267.5%320.0%293.6%294.9%243.7%217.6%107.5%112.2%
Return on assets1.2%1.2%1.2%1.3%1.4%0.8%1.4%1.1%0.9%1.0%
Return on equity9.2%9.4%10.1%12.0%11.8%7.0%10.3%8.3%8.0%9.4%

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.