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Upturn AI SWOT - About
TCBK 
TriCo Bancshares (TCBK)
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Upturn Advisory Summary
06/30/2025: TCBK (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
6 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $45.83
1 Year Target Price $45.83
| 1 | Strong Buy |
| 2 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -15.5% | Avg. Invested days 33 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/30/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.35B USD | Price to earnings Ratio 12.01 | 1Y Target Price 45.83 |
Price to earnings Ratio 12.01 | 1Y Target Price 45.83 | ||
Volume (30-day avg) 6 | Beta 0.62 | 52 Weeks Range 34.91 - 49.90 | Updated Date 06/29/2025 |
52 Weeks Range 34.91 - 49.90 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 3.21% | Basic EPS (TTM) 3.43 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 29.11% | Operating Margin (TTM) 37.24% |
Management Effectiveness
Return on Assets (TTM) 1.16% | Return on Equity (TTM) 9.38% |
Valuation
Trailing PE 12.01 | Forward PE 12.12 | Enterprise Value 1451401728 | Price to Sales(TTM) 3.47 |
Enterprise Value 1451401728 | Price to Sales(TTM) 3.47 | ||
Enterprise Value to Revenue 4.04 | Enterprise Value to EBITDA - | Shares Outstanding 32858400 | Shares Floating 31284525 |
Shares Outstanding 32858400 | Shares Floating 31284525 | ||
Percent Insiders 8.15 | Percent Institutions 67.19 |
Analyst Ratings
Rating 3 | Target Price 45.83 | Buy 2 | Strong Buy 1 |
Buy 2 | Strong Buy 1 | ||
Hold 3 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
TriCo Bancshares
Company Overview
History and Background
TriCo Bancshares was founded in 1974 as Tri-Counties Bank in Chico, California. It has grown through organic expansion and strategic acquisitions, becoming a leading community bank in Northern California.
Core Business Areas
- Commercial Banking: Offers a range of financial services for businesses, including lending, deposit accounts, and cash management.
- Retail Banking: Provides personal banking services such as checking and savings accounts, mortgages, and personal loans.
- Wealth Management: Offers financial planning, investment management, and trust services.
Leadership and Structure
The leadership team is led by the CEO, who oversees various departments like lending, operations, and finance. The organizational structure consists of regional managers and branch managers reporting to senior executives.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides loans to businesses for various purposes, including real estate, equipment, and working capital. Market share in Northern California is estimated at 5-7%. Competitors include larger regional and national banks like U.S. Bank and Wells Fargo.
- Residential Mortgages: Offers mortgage loans for home purchases and refinancing. The Bank did $467.47 Million in Single-Family Home Lending in 2023. Competitors include national mortgage lenders and credit unions.
- Deposit Accounts: Provides checking, savings, and money market accounts to individuals and businesses. Competitors include Bank of America, Chase, and other local banks.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing interest rates, regulatory scrutiny, and technological advancements. Consolidation and competition from non-bank financial institutions are also key trends.
Positioning
TriCo Bancshares is positioned as a community-focused bank with a strong presence in Northern California. Its competitive advantages include local expertise, personalized service, and a loyal customer base.
Total Addressable Market (TAM)
The total addressable market for banking services in Northern California is estimated to be worth billions of dollars annually. TriCo Bancshares is positioned to capture a portion of this TAM through its community banking model and focus on local businesses and individuals.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Experienced management team
- Loyal customer base
- Solid financial performance
Weaknesses
- Limited geographic diversification
- Smaller size compared to national banks
- Reliance on traditional banking model
Opportunities
- Expansion into new markets
- Increased adoption of digital banking services
- Strategic acquisitions
- Growing demand for wealth management services
Threats
- Increasing competition from larger banks
- Rising interest rates
- Economic downturn
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- WFC
- BAC
- USB
- CMA
Competitive Landscape
TriCo Bancshares faces intense competition from larger national banks and smaller community banks. Its advantages include local expertise and personalized service, while its disadvantages include smaller size and limited geographic diversification.
Major Acquisitions
Valley Republic Bancorp
- Year: 2017
- Acquisition Price (USD millions): 133
- Strategic Rationale: Expanded TriCo Bancshares' presence into the Central Valley of California.
Growth Trajectory and Initiatives
Historical Growth: TriCo Bancshares has experienced steady growth in assets, loans, and deposits over the past decade, driven by organic expansion and strategic acquisitions.
Future Projections: Analysts project continued growth for TriCo Bancshares, driven by expansion into new markets, increased adoption of digital banking, and a favorable economic environment. Revenue growth rate 7-9%.
Recent Initiatives: Recent strategic initiatives include investments in digital banking technology, expansion into new markets, and the acquisition of smaller community banks.
Summary
TriCo Bancshares is a community-focused bank with a strong presence in Northern California. Its strengths include a loyal customer base and experienced management. However, its weaknesses include limited geographic diversification and reliance on traditional banking. Strategic initiatives like digital banking investments and targeted acquisitions should help the bank expand in the future.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings
- Analyst Reports
- Industry Research Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Market share data is based on estimates and may not be precise.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About TriCo Bancshares
Exchange NASDAQ | Headquaters Chico, CA, United States | ||
IPO Launch date 1993-04-20 | Chairman, President & CEO Mr. Richard P. Smith | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 1194 | Website https://www.tcbk.com |
Full time employees 1194 | Website https://www.tcbk.com | ||
TriCo Bancshares operates as a bank holding company for Tri Counties Bank that provides commercial banking services to individual and corporate customers. The company accepts demand, savings, and time deposits; and offers checking, specialized, money market, education, health savings, certificate of deposit, and business and public funds savings accounts, as well as individual retirement accounts. It also offers small business loans; real estate mortgage loans, such as residential and commercial loans; consumer loans; mortgage, auto, and personal loans; commercial loans, including agricultural loans; motorcycle, RV, boat, and other vehicle loans; and real estate construction loans. In addition, the company provides treasury management services; credit and debit cards; other customary banking services, including safe deposit boxes; and independent financial and broker-dealer services. Further, it offers equipment financing, digital banking, overdraft, and payment processing services. TriCo Bancshares was founded in 1975 and is headquartered in Chico, California.
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