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Upturn AI SWOT - About
TCBK 
TriCo Bancshares (TCBK)
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Upturn Advisory Summary
08/14/2025: TCBK (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 $47.33
1 Year Target Price $47.33
| 1 | Strong Buy |
| 2 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -13.65% | Avg. Invested days 33 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.41B USD | Price to earnings Ratio 12.79 | 1Y Target Price 47.33 |
Price to earnings Ratio 12.79 | 1Y Target Price 47.33 | ||
Volume (30-day avg) 6 | Beta 0.66 | 52 Weeks Range 34.91 - 49.90 | Updated Date 08/15/2025 |
52 Weeks Range 34.91 - 49.90 | Updated Date 08/15/2025 | ||
Dividends yield (FY) 3.02% | Basic EPS (TTM) 3.39 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-07-23 | When Before Market | Estimate 0.8183 | Actual 0.84 |
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 12.79 | Forward PE 12.12 | Enterprise Value 1424301568 | Price to Sales(TTM) 3.61 |
Enterprise Value 1424301568 | Price to Sales(TTM) 3.61 | ||
Enterprise Value to Revenue 3.97 | Enterprise Value to EBITDA - | Shares Outstanding 32559000 | Shares Floating 30999401 |
Shares Outstanding 32559000 | Shares Floating 30999401 | ||
Percent Insiders 8.22 | Percent Institutions 68.64 |
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 a bank holding company for Tri Counties Bank, providing retail and commercial banking services. Over time, it has grown through acquisitions and organic expansion.
Core Business Areas
- Commercial Banking: Offers loans, deposit accounts, and other financial services to businesses of various sizes.
- Retail Banking: Provides banking services to individual customers, including checking and savings accounts, mortgages, and personal loans.
- Wealth Management: Offers financial planning, investment management, and trust services.
Leadership and Structure
TriCo Bancshares is led by a board of directors and an executive management team. The organizational structure includes various departments responsible for different aspects of the business, such as lending, operations, and finance.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial real estate loans and term loans to businesses. Competitors include large national banks and regional banks like Umpqua Holdings Corp (UMPQ).
- Residential Mortgages: Mortgage products for home purchases and refinancing. Competitors include Wells Fargo (WFC) and Bank of America (BAC).
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Competitors include Chase (JPM) and Citibank (C).
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to regulatory changes and economic cycles. Factors such as interest rates, economic growth, and consumer confidence affect performance.
Positioning
TriCo Bancshares is a regional bank focused on serving communities in Northern and Central California. It differentiates itself through personalized service and community involvement.
Total Addressable Market (TAM)
The US Banking market size is expected to reach $1.8 Trillion in 2024. TriCo Bancshares has a small share of this market, estimated at less than 0.1% and are primarily operating within California.
Upturn SWOT Analysis
Strengths
- Strong community ties
- Experienced management team
- Diversified revenue streams
- Strong capital base
Weaknesses
- Limited geographic presence
- Smaller scale compared to national banks
- Reliance on California economy
Opportunities
- Expansion into new markets
- Increased adoption of digital banking
- Acquisitions of smaller banks
- Growth in wealth management services
Threats
- Increased competition from fintech companies
- Regulatory changes
- Economic downturn
- Rising interest rates
Competitors and Market Share
Key Competitors
- UMPQ
- MTB
- CMA
Competitive Landscape
TriCo Bancshares competes with larger national banks and smaller regional banks. It differentiates itself through its community focus and personalized service.
Major Acquisitions
North Valley Bancorp
- Year: 2014
- Acquisition Price (USD millions): 66
- Strategic Rationale: Expanded TriCo's presence in Northern California and added new branches.
Growth Trajectory and Initiatives
Historical Growth: TriCo Bancshares has grown steadily over the past decade through organic expansion and strategic acquisitions.
Future Projections: Analysts predict continued growth for TriCo Bancshares, driven by its strong market position and expansion efforts. Revenue growth is expected to be in the mid-single digits.
Recent Initiatives: Recent initiatives include investments in digital banking platforms and expansion into new markets within California.
Summary
TriCo Bancshares demonstrates a solid financial performance, marked by consistent revenue growth and strong profitability. It benefits from its community-focused approach and experienced management. Potential challenges include increasing competition from larger banks and fintech companies, requiring them to adapt and innovate to maintain market share. TriCo Bancshares seems fairly stable
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Analyst Reports
- Market Data Providers
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered financial advice. Investment decisions should be made based on thorough research and consultation with a financial professional.
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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