TriCo Bancshares (TCBK) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
TriCo Bancshares stock (TCBK) is currently trading at $47.41. TriCo Bancshares PE ratio is 12.45. TriCo Bancshares PS ratio (Price-to-Sales) is 3.69. Analyst consensus price target for TCBK is $55.17. WallStSmart rates TCBK as Moderate Buy.
- TCBK PE ratio analysis and historical PE chart
- TCBK PS ratio (Price-to-Sales) history and trend
- TCBK intrinsic value — DCF, Graham Number, EPV models
- TCBK stock price prediction 2025 2026 2027 2028 2029 2030
- TCBK fair value vs current price
- TCBK insider transactions and insider buying
- Is TCBK undervalued or overvalued?
- TriCo Bancshares financial analysis — revenue, earnings, cash flow
- TCBK Piotroski F-Score and Altman Z-Score
- TCBK analyst price target and Smart Rating
TriCo Bancshares
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TCBK Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · TriCo Bancshares (TCBK)
TCBK trades at a significant discount to its Graham intrinsic value of $126.98, offering a 60% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
TriCo Bancshares (TCBK) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, profit margin. Concerns around return on equity. Overall metrics suggest strong investment potential with favorable risk/reward.
TriCo Bancshares (TCBK) Key Strengths (4)
Keeps $43 of every $100 in revenue after operating costs
Keeps $30 of every $100 in revenue as net profit
71.42% of shares held by major funds and institutions
Trading at 1.11x book value, attractively priced
Supporting Valuation Data
TriCo Bancshares (TCBK) Areas to Watch (6)
Low profitability relative to shareholder equity
Modest revenue growth at 6.60%
Small-cap company with higher risk but more growth potential
Growth is fairly priced, not cheap, not expensive
Revenue is fairly priced at 3.69x sales
Solid earnings growth at 17.20%
TriCo Bancshares (TCBK) Detailed Analysis Report
Overall Assessment
This company scores 68/100 in our Smart Analysis, earning a B- grade. Out of 10 metrics analyzed, 4 register as strengths (avg 9.5/10) while 6 fall into concern territory (avg 5.0/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Operating Margin, Profit Margin, Institutional Own.. Valuation metrics including Price/Book (1.11) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 43.10%, Profit Margin at 30.00%.
The Bear Case
The primary concerns are Return on Equity, Revenue Growth, Market Cap. Some valuation metrics including PEG Ratio (1.94), Price/Sales (3.69) suggest expensive pricing. Growth concerns include Revenue Growth at 6.60%, EPS Growth at 17.20%, which may limit upside. Profitability pressure is visible in Return on Equity at 9.54%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Return on Equity improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 9.54% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 6.60% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, Profit Margin) and negatives (Return on Equity, Revenue Growth). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
TCBK Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
TCBK's Price-to-Sales ratio of 3.69x trades 21% below its historical average of 4.66x (21th percentile). The current valuation is 50% below its historical high of 7.41x set in Mar 2006, and 49% above its historical low of 2.47x in Jun 2008.
WallStSmart Analysis Synopsis
Data-driven financial summary for TriCo Bancshares (TCBK) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
TriCo Bancshares is a mature, profitable business with steady cash generation. Revenue reached 406M with 7% growth year-over-year. Profit margins are strong at 30.0%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 954.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Profit margin of 30.0% and operating margin of 43.1% demonstrate strong pricing power and operational efficiency.
What to Watch Next
Dividend sustainability with a current yield of 296.0%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact TriCo Bancshares.
Bottom Line
TriCo Bancshares is a well-established business delivering consistent profitability with 30.0% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About TriCo Bancshares(TCBK)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
TriCo Bancshares is a bank holding company for Tri Counties Bank providing commercial banking services to individual and corporate clients. The company is headquartered in Chico, California.