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TriCo Bancshares Financial Ratios 2025-2007 | TCBK
Brief overview of TriCo Bancshares's valuation and returns
The review covers five available annual periods spanning 2021 to 2025.
The latest available valuation ratios are P/E 12.95x (median 12.42x), P/B 1.19x (median 1.19x), P/CF 11.81x (median 10.01x). Current valuation broadly matches recent historical reference points; the difference from five-year medians is +4.2%.
At the current P/E, inverse earnings yield is 7.7%, a useful bridge between price and business earnings.
Returns on assets and capital are represented by ROE 9.2%, ROA 1.2%, ROCE 13.6%. Low capital returns limit the ability to compound value internally.
Current PEG is 0.71x; the market pays comparatively little per unit of expected growth.
Financial-company multiples cannot be compared directly with industrial businesses; P/B and sustainable capital returns remain central.
Valuation takeaway
TriCo Bancshares's valuation and business quality look relatively balanced, with no pronounced distortion in either direction.
Annual Financial Ratios TriCo Bancshares
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
P/E |
12.9 | 12.4 | 9.5 | 13.0 | 10.9 | 16.0 | 12.4 | 16.8 | 21.1 | 17.6 | 13.2 | 15.8 | 14.7 | 13.7 | 12.8 | 46.4 | - | - | - |
P/S |
29.4 | 27.8 | 22.3 | 32.8 | 29.1 | 27.3 | 3.7 | 4.4 | 3.9 | 3.8 | 2.9 | 2.8 | 3.0 | 1.9 | 1.8 | - | - | - | - |
EPS |
3.7 | 3.5 | 3.5 | 3.9 | 4.0 | 2.2 | 3.0 | 2.6 | 1.8 | 2.0 | 1.9 | 1.5 | 1.7 | 1.2 | 1.2 | 0.4 | 0.6 | - | - |
EV (Enterprise Value) |
9.91 B | 9.73 B | 9.77 B | 10.4 B | 8.12 B | 7.08 B | 6.43 B | 6.44 B | 4.91 B | 4.52 B | 4.05 B | 3.3 B | 2.3 B | 1.89 B | 1.94 B | 1.9 B | -347 M | -86.4 M | 366 M |
EBITDA per Share |
0.2 | 0.18 | 0.19 | 0.18 | 0.21 | 0.22 | - | - | - | 3.23 | 3.25 | 2.54 | 2.87 | 2.01 | - | 0.22 | - | - | - |
EV/EBITDA |
1554.2 | 1623.0 | 1534.1 | 1731.2 | 1272.1 | 5.6 | - | - | - | 7.5 | 4.7 | -2.9 | -3.1 | -13.3 | - | 543.2 | -101.2 | - | - |
PEG |
-8.72 | - | - | - | - | -0.58 | 0.71 | 0.37 | -2.22 | 11.4 | 0.43 | -1.16 | 0.34 | 6.01 | 0.06 | - | - | - | - |
P/B |
1.2 | 1.2 | 1.0 | 1.6 | 1.3 | 1.1 | 1.3 | 1.4 | 1.7 | 1.7 | 1.3 | 1.0 | 1.6 | 1.1 | 1.1 | 1.4 | - | - | - |
P/CF |
11.8 | 13.0 | 8.0 | 10.0 | 9.7 | 9.0 | 11.6 | 13.7 | 21.3 | 21.1 | 11.8 | 18.2 | 12.3 | 5.7 | 8.4 | 5.4 | - | - | - |
ROE % |
9.15 | 9.41 | 10.12 | 11.99 | 11.76 | 7.01 | 10.16 | 8.26 | 8.02 | 9.39 | 9.69 | 6.24 | 10.92 | 8.28 | 8.59 | 3.00 | 4.96 | - | - |
ROA % |
1.24 | 1.19 | 1.18 | 1.26 | 1.37 | 0.85 | 1.42 | 1.08 | 0.85 | 0.99 | 1.04 | 0.67 | 1.00 | 0.73 | 0.73 | 0.27 | - | - | - |
ROCE % |
- | - | - | - | - | - | - | - | - | 13.58 | 14.30 | 9.40 | 15.68 | 11.41 | - | - | - | - | - |
Current Ratio |
1.2 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1.1 | - | - | - |
DSO |
- | - | - | - | - | - | 22.6 | 27.3 | 26.6 | 24.9 | 19.9 | 22.9 | 17.5 | 19.6 | 19.7 | - | - | - | - |
All numbers in USD currency
Quarterly Financial Ratios TriCo Bancshares
| 2026-Q2 | 2026-Q1 | 2025-Q3 | 2025-Q2 | 2025-Q1 | 2024-Q4 | 2024-Q3 | 2024-Q2 | 2024-Q1 | 2023-Q4 | 2023-Q3 | 2023-Q2 | 2023-Q1 | 2022-Q4 | 2022-Q3 | 2022-Q2 | 2022-Q1 | 2021-Q4 | 2021-Q3 | 2021-Q2 | 2021-Q1 | 2020-Q4 | 2020-Q3 | 2020-Q2 | 2020-Q1 | 2019-Q4 | 2019-Q3 | 2019-Q2 | 2019-Q1 | 2018-Q4 | 2018-Q3 | 2018-Q2 | 2018-Q1 | 2017-Q4 | 2017-Q3 | 2017-Q2 | 2017-Q1 | 2016-Q4 | 2016-Q3 | 2016-Q2 | 2016-Q1 | 2015-Q4 | 2015-Q3 | 2015-Q2 | 2015-Q1 | 2014-Q4 | 2014-Q3 | 2014-Q2 | 2014-Q1 | 2013-Q4 | 2013-Q3 | 2013-Q2 | 2013-Q1 | 2012-Q4 | 2012-Q3 | 2012-Q2 | 2012-Q1 | 2011-Q4 | 2011-Q3 | 2011-Q2 | 2011-Q1 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
EPS |
1.07 | 1.05 | 1.04 | 0.84 | 0.8 | - | 0.88 | 0.88 | 0.83 | - | 0.92 | 0.75 | 1.08 | - | 1.12 | 0.93 | 0.68 | - | 0.92 | 0.95 | 1.13 | - | 0.59 | 0.25 | 0.53 | - | 0.77 | 0.76 | 0.75 | - | 0.54 | 0.65 | 0.61 | - | 0.52 | 0.59 | 0.53 | - | 0.53 | 0.41 | 0.47 | - | 0.56 | 0.5 | 0.37 | - | 0.51 | 0.3 | 0.46 | - | 0.46 | 0.39 | 0.53 | - | 0.31 | 0.33 | 0.25 | - | 0.4 | 0.17 | 0.18 |
EBITDA per Share |
0.1 | 0.05 | 0.01 | 0.01 | 0.05 | - | 0.03 | 0.03 | 0.05 | - | 0.05 | 0.05 | 0.05 | - | 0.05 | 0.05 | 0.05 | - | 0.05 | 0.11 | 0.06 | - | 0.16 | 0.11 | 0.05 | - | 0.17 | 0.12 | 0.06 | - | 0.16 | 0.14 | 0.07 | - | 0.22 | 0.14 | 0.07 | - | 0.21 | 0.14 | 0.07 | - | 0.2 | 0.14 | 0.07 | - | 0.25 | 0.17 | 0.09 | - | 0.2 | 0.12 | 0.06 | - | 0.2 | 0.13 | 0.06 | - | 0.15 | 0.1 | 0.05 |
ROE % |
9.87 | 9.43 | 9.23 | 9.09 | 9.30 | 7.20 | 10.06 | 9.99 | 10.81 | 8.42 | 12.19 | 12.34 | 11.90 | 8.62 | 11.44 | 10.46 | 10.38 | 12.12 | 11.85 | 10.96 | 8.83 | 7.01 | 6.97 | 7.65 | 9.39 | 10.16 | 10.44 | 9.81 | 9.08 | 8.26 | 6.04 | 6.44 | 5.22 | 4.12 | 6.16 | 6.43 | 8.47 | 10.50 | 10.40 | 10.30 | 10.20 | 10.11 | 8.93 | 7.75 | 6.58 | 5.40 | 6.14 | 6.88 | 7.61 | 8.35 | 8.32 | 8.29 | 8.26 | 8.24 | 9.20 | 10.17 | 11.14 | 10.37 | 3.03 | 3.03 | 1.29 |
ROA % |
1.30 | 1.23 | 1.19 | 1.14 | 1.14 | 0.88 | 1.19 | 1.14 | 1.21 | 0.93 | 1.24 | 1.13 | 1.20 | 0.84 | 0.84 | 1.16 | 1.20 | 1.42 | 1.40 | 1.31 | 1.06 | 0.85 | 0.89 | 1.02 | 1.28 | 1.42 | 1.43 | 1.33 | 1.21 | 1.08 | 0.77 | 0.77 | 0.59 | 0.44 | 0.65 | 0.68 | 0.89 | 1.11 | 1.10 | 1.10 | 1.09 | 1.08 | 0.96 | 0.83 | 0.70 | 0.58 | 0.62 | 0.67 | 0.72 | 0.76 | 0.75 | 0.74 | 0.73 | 0.72 | 0.80 | 0.87 | 0.95 | 0.88 | 0.26 | 0.26 | 0.11 |
Current Ratio |
1.2 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | - | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.2 | 1.2 | 1.2 | 1.2 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 |
All numbers in USD currency
Multiples are an important financial analysis tool for the company TriCo Bancshares, allowing investors and analysts to quickly assess the company’s value and investment attractiveness based on the ratio of market indicators to the company’s financial performance. Essentially, multiples express how the market values the company relative to its earnings, revenue, equity, or other key metrics.
Advantages of Using Financial Ratios- Simplified Data Analysis
Financial ratios transform large volumes of accounting data into compact and easily interpretable indicators, significantly simplifying the assessment of the company’s condition. - Comparability Between Companies
Multiples standardize financial metrics, enabling objective comparison of companies of different sizes, industries, and market capitalizations. - Identification of Trends and Issues
Regular analysis of ratios helps track the dynamics of financial health, identify strengths and weaknesses of the business, as well as potential risks. - Decision Support
Financial multiples serve as an important tool for investors, creditors, and company management in making investment, credit, and managerial decisions. - Accelerated Assessment of Investment Attractiveness
Ratios allow quick determination of key performance, liquidity, and financial stability indicators, facilitating prompt evaluation of companies’ attractiveness for investments.
Using multiples enables comparison between companies, even if they differ in size or industry, as they standardize financial data into ratios convenient for analysis. This is especially useful for evaluating companies where direct analysis of financial statements may be complex or require in-depth knowledge.
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