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Upturn AI SWOT - About
TCBK 
TriCo Bancshares (TCBK)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
10/15/2025: TCBK (1-star) is a SELL. SELL since 4 days. Simulated Profits (-0.95%). Updated daily EoD!
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
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $48.5
1 Year Target Price $48.5
| 1 | Strong Buy |
| 2 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -16.32% | Avg. Invested days 38 | Today’s Advisory SELL |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/15/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.34B USD | Price to earnings Ratio 12.14 | 1Y Target Price 48.5 |
Price to earnings Ratio 12.14 | 1Y Target Price 48.5 | ||
Volume (30-day avg) 6 | Beta 0.64 | 52 Weeks Range 34.63 - 49.51 | Updated Date 10/17/2025 |
52 Weeks Range 34.63 - 49.51 | Updated Date 10/17/2025 | ||
Dividends yield (FY) 3.24% | Basic EPS (TTM) 3.39 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-23 | When Before Market | Estimate 0.91 | Actual - |
Profitability
Profit Margin 28.62% | Operating Margin (TTM) 38.22% |
Management Effectiveness
Return on Assets (TTM) 1.14% | Return on Equity (TTM) 9.17% |
Valuation
Trailing PE 12.14 | Forward PE 12.12 | Enterprise Value 1353323008 | Price to Sales(TTM) 3.43 |
Enterprise Value 1353323008 | Price to Sales(TTM) 3.43 | ||
Enterprise Value to Revenue 3.96 | Enterprise Value to EBITDA - | Shares Outstanding 32558976 | Shares Floating 30985075 |
Shares Outstanding 32558976 | Shares Floating 30985075 | ||
Percent Insiders 8.22 | Percent Institutions 68.01 |
Upturn AI SWOT
TriCo Bancshares
Company Overview
History and Background
TriCo Bancshares was founded in 1975 and is headquartered in Chico, California. It operates as the holding company for Tri Counties Bank, which provides retail and commercial banking services. The bank has expanded through organic growth and acquisitions, focusing on serving communities in Northern and Central California.
Core Business Areas
- Commercial Banking: Offers a range of financial products and services to businesses, including commercial loans, lines of credit, treasury management, and business deposit accounts.
- Retail Banking: Provides a suite of personal banking services, including checking and savings accounts, mortgages, auto loans, credit cards, and investment services.
- Wealth Management: Offers investment advisory and wealth management services to individuals and families.
Leadership and Structure
The company is led by Richard P. Smith, President & CEO. The organizational structure includes a board of directors and various executive management teams overseeing different business units.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans provided to businesses for various purposes, such as working capital, equipment financing, and real estate acquisition. Market share is regional; specific data is unavailable. Competitors include larger national banks and regional banks.
- Mortgages: Residential mortgage loans for home purchase or refinance. Market share is regional; specific data unavailable. Competitors include national mortgage lenders, credit unions and other regional banks.
- Checking and Savings Accounts: Personal and business checking and savings accounts. Market share is regional; specific data unavailable. Competitors include other national banks, online banks, and credit unions.
Market Dynamics
Industry Overview
The banking industry is currently experiencing increased competition, rising interest rates, and evolving regulatory landscape. Technology is playing an ever-increasing role.
Positioning
TriCo Bancshares is a regional bank focused on serving the needs of businesses and individuals in Northern and Central California. Its competitive advantages include its local market knowledge and long-standing customer relationships.
Total Addressable Market (TAM)
The total addressable market for banking services in Northern and Central California is estimated to be in the billions of dollars. TriCo Bancshares holds a small but significant portion of this market and is positioned to grow through expansion and acquisition.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Experienced management team
- Solid customer relationships
- Conservative lending practices
Weaknesses
- Limited geographic diversification
- Smaller scale compared to national banks
- Dependence on California economy
Opportunities
- Expansion into new markets within California
- Acquisitions of smaller banks or credit unions
- Increased focus on digital banking
- Growth in wealth management services
Threats
- Increased competition from larger banks
- Economic downturn in California
- Rising interest rates
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- CMA
- BOH
- UMPQ
Competitive Landscape
TriCo Bancshares competes with a mix of larger national banks and other regional banks. Its advantages include its local market knowledge and customer service focus. Disadvantages include its smaller scale and limited geographic diversification.
Major Acquisitions
North Valley Bancorp
- Year: 2014
- Acquisition Price (USD millions): 69.9
- Strategic Rationale: Expanded market share in Northern California and provided access to new customer base.
Growth Trajectory and Initiatives
Historical Growth: TriCo Bancshares has experienced steady growth in assets, loans, and deposits over the past decade.
Future Projections: Analysts project continued growth in revenue and earnings, driven by organic expansion and potential acquisitions.
Recent Initiatives: Recent initiatives include expanding digital banking services, investing in technology, and opening new branches in strategic locations.
Summary
TriCo Bancshares exhibits consistent revenue and profit growth demonstrating its strong financial health. Solid local presence helps to have strong customer relationships. Limiting factors include, relatively smaller scale to large national banking competition, and its high dependence on the health of the California economy. Expanding digital services and further strategic acquisitions should lead to further growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings (10-K, 10-Q)
- Company Investor Relations
- Third-party financial data providers
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Market conditions and company performance are subject to change. Consult with a qualified financial advisor before making any investment decisions.
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 1183 | Website https://www.tcbk.com |
Full time employees 1183 | 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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