TriCo Bancshares
Runs Tri Counties Bank for California consumers, small businesses, and commercial clients.
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Profile
Operates a California community-bank network through Tri Counties Bank, serving consumers, small businesses, and commercial clients with deposits, loans, treasury management, and wealth services. Revenue-producing activity is managed as one banking segment, with local relationships, California credit demand, deposit competition, and bank regulation shaping the model.
Operates through Tri Counties Bank, a California-chartered commercial bank based in Chico. The bank serves consumers, small businesses, and commercial clients with demand, savings, and time deposits; small-business, commercial, real-estate, and consumer loans; treasury management; safe deposit boxes at some branches; and wealth services through Tri Counties Advisors and Raymond James.
Runs as one reportable banking segment, concentrated in California communities and supported by branches, online and mobile banking, a nationwide surcharge-free ATM network, and phone bankers. Lending is tied to individuals and businesses in its California markets, with commercial real estate a major part of the loan book.
Relies on local relationships, personalized service, and community reputation against larger banks, credit unions, brokers, funds, and fintech lenders. Operations are supervised by the Federal Reserve, California DFPI, and FDIC, and growth near larger-bank thresholds adds consumer-regulatory dependence.
Company facts
Categories
Key statistics
Year to date +14.1% · Average volume (30d) 282.8K
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Prior rating | Rating | Prior target | Target |
|---|---|---|---|---|---|---|
| Jul 27, 2026 | DA Davidson | Reiterate | Neutral | $66 | $65 | |
| Jul 14, 2026 | DA Davidson | Reiterate | Neutral | $54 | $66 | |
| Jul 14, 2026 | Raymond James | Downgrade | Outperform | Market Perform | ||
| Jul 14, 2026 | Piper Sandler | Downgrade | Overweight | Neutral | $63 | $61 |
| Jul 13, 2026 | Jefferies | Upgrade | Buy |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 23, 2026Q2 FY26 | $1.03 | $1.06 | +2.9% | $111.0M | $111.9M | +0.8% | −1.96% |
| Apr 23, 2026Q1 FY26 | $0.97 | $1.04 | +7.2% | $108.3M | $108.3M | 0.0% | −2.66% |
| Jan 22, 2026Q4 FY25 | $1.01 | $1.03 | +2.0% | $108.2M | $109.4M | +1.1% | −2.93% |
| Oct 23, 2025Q3 FY25 | $0.92 | $1.04 | +13.0% | $108.2M | $105.7M | −2.4% | +0.49% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $128.3M | $131.6M | $136.1M | $137.3M | $134.9M | $137.5M | |
| Gross profit | $93.0M | $97.1M | $105.0M | $109.4M | $104.9M | $107.5M | |
| Operating income | $35.4M | $37.8M | $46.5M | $49.6M | $45.9M | $46.3M | |
| Net income | $26.4M | $27.5M | $34.0M | $33.6M | $33.7M | $34.2M | |
| Diluted EPS | $0.80 | $0.84 | $1.04 | $1.03 | $1.04 | $1.06 | |
| Gross margin | 72.5% | 73.8% | 77.1% | 79.7% | 77.8% | 78.2% | |
| Operating margin | 27.6% | 28.7% | 34.1% | 36.1% | 34.0% | 33.7% |
Fiscal years (4-quarter sums)FY21 $334.9M · FY22 $412.0M · FY23 $492.8M · FY24 $524.0M · FY25 $533.3M
Revenue by product · Q2 FY26
Balance sheet, Jun 30, 2026Cash & short-term investments $105.2M · Total debt $77.1M · Total assets $9.93B · Shareholders' equity $1.34B
Dividends
Raised for 15 straight years — most recently to $0.36 from $0.33 in Sep 2025. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Jun 5, 2026 | Jun 5 | Jun 26 | $0.36 | |
| Mar 6, 2026 | Mar 6 | Mar 20 | $0.36 | |
| Dec 5, 2025 | Dec 5 | Dec 19 | $0.36 | |
| Sep 5, 2025 | Sep 5 | Sep 19 | $0.36 | raised from $0.33 |
| Jun 6, 2025 | Jun 6 | Jun 20 | $0.33 | |
| Mar 7, 2025 | Mar 7 | Mar 21 | $0.33 | |
| Dec 6, 2024 | Dec 6 | Dec 20 | $0.33 | |
| Sep 6, 2024 | Sep 6 | Sep 20 | $0.33 |
Ownership
Shares outstanding 32.15M · Float 30.32M · 94.3% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| FMR LLC | 2.81M | 8.75% | 13F | Aug 13, 2026 |
| BlackRock, Inc. | 2.55M | 7.92% | 13F | Aug 7, 2026 |
| Dimensional Fund Advisors LP | 1.73M | 5.38% | 13F | Aug 11, 2026 |
| Franklin Resources Inc | 1.66M | 5.16% | 13F | Aug 13, 2026 |
| Vanguard Capital Management LLC | 1.26M | 3.91% | 13F | Aug 13, 2026 |
Insider tradesForm 4
No open-market trades in the last 12 months.
View detailsPeers
- CVB Financial
California business bank across deposits, CRE, and treasury
- Banc of California
Larger relationship business bank with California branch scale
- Westamerica Bancorp
Northern and Central California branch-bank deposit competitor
- Community West Bancshares
Central California community bank across real estate and ag lending
- Five Star Bancorp
Northern California business bank focused on CRE-heavy lending
- Sierra Bancorp
Central California branch bank with CRE, ag, and small-business lending
- Bank of Marin
Northern California community bank for business deposits and CRE
- Preferred Bank
California commercial bank concentrated in CRE and business banking
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| TriCo Bancshares | $53.81 | −0.01% | $1.73B | 12.9 | 12.4 | 3.2 | +9.9% |
| CVB Financial | $22.19 | 0.00% | $3.18B | 14.6 | 12.0 | 4.5 | +42.0% |
| Banc of California | $18.60 | −0.03% | $2.86B | — | 9.7 | 1.6 | — |
| Westamerica Bancorp | $58.07 | −0.08% | $1.36B | 12.8 | 12.5 | 5.1 | −2.5% |
| Community West Bancshares | $25.82 | −0.04% | $543.6M | 14.0 | 9.3 | 2.8 | +38.2% |
| Five Star Bancorp | $45.62 | −0.15% | $1.10B | 13.5 | 13.1 | 4.0 | +25.1% |
| Sierra Bancorp | $39.84 | −0.23% | $521.1M | 11.7 | 11.0 | 2.6 | +5.4% |
| Bank of Marin | $26.63 | +0.04% | $431.1M | 6.5 | 11.5 | 2.1 | +73.1% |
| Preferred Bank | $103.53 | +0.15% | $1.23B | 9.5 | 9.6 | 2.4 | +4.0% |
| Median | 12.8 | 11.2 | 2.7 | +25.1% |