TriCo Bancshares (TCBK) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of TriCo Bancshares stock $37.02, price $52.17, that is 29.0% below the price, quality 61 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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TriCo Bancshares
TCBK · USOur calculation puts a fair price 29% below what the stock costs today.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.
How to read this chart
60‑month range $26.20 – $61.21 · fair‑value band $34.45 – $42.11 · the $52.17 price screens above the $37.02 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.
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Company profile
TriCo Bancshares operates as a bank holding company for Tri Counties Bank that provides commercial and retail banking services to individual and corporate customers.
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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 comprising safe deposit boxes; and brokerage and wealth management services. Further, it offers equipment financing, digital banking, overdraft, and payment processing services.
The company was founded in 1975 and is headquartered in Chico, California.
Stock analysis
TriCo Bancshares (TCBK) currently trades at $52.17, while our model-based Fair Value estimate is $37.02, 29% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $47.03 per share, and 0 of the 6 models we run sit above the $52.17 price.
Bear case: the Dividend Discount group reads lowest at $20.48, and 6 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: $34.45 (bear) to $42.11 (bull), the price of $52.17 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 61/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
TriCo Bancshares reported revenue of $533M in FY2025 versus $335M in FY2021, a compound +12.3%/yr. Reported net income was $122M in FY2025, compounding +0.8%/yr from FY2021.
Key figures
Market cap $1.7B Small · P/E ratio 12.1 · P/S ratio 3.83 · EPS (TTM) $4.32 · Dividend yield 2.8% · Net margin 31.9% · Return on equity 10.6% · Return on assets (EBIT) 1.7% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 66 out of 100 (medium confidence).
What moves the price
The share trades about 15% below its 52-week high and 20% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −29%, TCBK screens richer than that median.
Fair Value models
All 6 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Insider trades
In the last 6 months, no officer or director bought or sold shares on the open market.
Plus 25 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗
Revenue & earnings trend
TCBK screens overvalued: fair value 29% below the price. Compare with China Merchants Bank Co →
Earlier news
- First Hawaiian, Inc. and TriCo Bancshares Announce Shareholder Approvals of Acquisition
- TriCo Bancshares GAAP EPS of $1.18, revenue of $116.7M
- TriCo Bancshares declares $0.36 dividend
- TriCo (TCBK) Tops Q3 Earnings and Revenue Estimates
Compare TriCo Bancshares with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 998 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
VALUE 0: the price sits above our fair-value range.
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- EBIT margin by industry
- P/S ratio by industry
- Piotroski F-Score screener with fair value
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Postal Savings Bank of China Co 601658 | ¥5.53 | ¥7.59 | +37% | vs TCBK |
| China Merchants Bank Co 600036 | ¥42.88 | ¥52.73 | +23% | vs TCBK |
| BNP Paribas SA BNP | €91.93 | €106.01 | +15% | vs TCBK |
| Intesa Sanpaolo S.p.A ISP | €6.18 | €4.49 | −27% | vs TCBK |
| State Bank of India SBIN | ₹1,019 | ₹736.65 | −28% | vs TCBK |
| UniCredit S.p.A UCG | €76.80 | €50.44 | −34% | vs TCBK |
| Mizuho Financial Group MFG | $9.40 | $5.90 | −37% | vs TCBK |
| DBS Group D05 | 69.72 SGD | 40.39 SGD | −42% | vs TCBK |
| HDFC Bank Limited HDFCBANK | ₹788.25 | ₹406.39 | −48% | vs TCBK |
| ICICI Bank Limited ICICIBANK | ₹1,571 | ₹615.63 | −61% | vs TCBK |
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Frequently asked questions
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