What is Trico Bancshares's earnings per share (EPS)?

Trico Bancshares (TCBK) reported diluted earnings per share of $3.70 for fiscal year 2025. This represents a 6.9% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Trico Bancshares Financials

TCBK

Source SEC Filings (10-K/10-Q) Updated May 8, 2026 Currency USD FYE December

This page shows Trico Bancshares (TCBK) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI TCBK FY2025 2026-05-09

Capital accumulation is gradually lowering balance-sheet leverage while asset returns stay steady enough to keep cash generation intact.

Across the recent period, debt-to-equity fell from 7.5x to 6.4x even though assets barely moved, showing leverage eased without a major balance-sheet retreat. ROA still hovered near 1.2%, so the firmer capital cushion appears to come mainly from retained earnings rather than weaker asset use.

Recent operating cash flow of $133.3M slightly exceeded net income of $121.6M, which suggests reported profit is being backed by cash rather than drifting away from it. Capital spending was only $5.4M, so cash demands seem to come more from managing the funding base than from replacing physical assets.

Retained earnings reached $740.2M while shares outstanding slipped to 32.3M, meaning common equity is being built and concentrated across fewer shares at the same time. That helps explain why ROE stayed near 9.2% even with net income at $121.6M: the equity base has been compounding faster than profit.

Financial Health Signals

Financial Profile 28/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →

Health score ≠ stock price. This rates the quality of Trico Bancshares's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Growth

Trico Bancshares's revenue grew a modest 4.1% year-over-year to $53.4M. This slow but positive growth earns a score of 39/100.

Leverage

Trico Bancshares has elevated debt relative to equity (D/E of 6.40), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Cash Flow

100

Trico Bancshares converts 239.4% of revenue into free cash flow ($127.9M). This strong cash generation earns a score of 100/100.

Returns

Trico Bancshares's ROE of 9.2% shows moderate profitability relative to equity, earning a score of 32/100. This is down from 9.4% the prior year.

Piotroski F-Score Neutral

6/9

Trico Bancshares passes 6 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.10x

For every $1 of reported earnings, Trico Bancshares generates $1.10 in operating cash flow ($133.3M OCF vs $121.6M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$53.4M

YoY+4.1%

5Y CAGR+7.1%

10Y CAGR-10.5%

Trico Bancshares generated $53.4M in revenue in fiscal year 2025. This represents an increase of 4.1% from the prior year.

EBITDA

N/A

Net Income

$121.6M

YoY+5.8%

5Y CAGR+13.4%

10Y CAGR+10.7%

Trico Bancshares reported $121.6M in net income in fiscal year 2025. This represents an increase of 5.8% from the prior year.

EPS (Diluted)

$3.70

YoY+6.9%

5Y CAGR+11.4%

10Y CAGR+6.8%

Trico Bancshares earned $3.70 per diluted share (EPS) in fiscal year 2025. This represents an increase of 6.9% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$127.9M

YoY+21.7%

5Y CAGR+2.7%

10Y CAGR+10.0%

Trico Bancshares generated $127.9M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 21.7% from the prior year.

Cash & Debt

$157.0M

YoY+8.3%

5Y CAGR-25.2%

10Y CAGR-6.4%

Trico Bancshares held $157.0M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

$1.38

YoY+4.5%

5Y CAGR+9.4%

10Y CAGR+10.3%

Trico Bancshares paid $1.38 per share in dividends in fiscal year 2025. This represents an increase of 4.5% from the prior year.

Shares Outstanding

32M

YoY-1.9%

5Y CAGR+1.7%

10Y CAGR+3.6%

Trico Bancshares had 32M shares outstanding in fiscal year 2025. This represents a decrease of 1.9% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

227.5%

YoY+3.7pp

5Y CAGR+56.8pp

10Y CAGR+200.3pp

Trico Bancshares's net profit margin was 227.5% in fiscal year 2025, showing the share of revenue converted to profit. This is up 3.7 percentage points from the prior year.

Return on Equity

9.2%

YoY-0.3pp

5Y CAGR+2.1pp

10Y CAGR-0.5pp

Trico Bancshares's ROE was 9.2% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 0.3 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$32.0M

YoY+106.2%

5Y CAGR+3.7%

10Y CAGR+54.6%

Trico Bancshares spent $32.0M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 106.2% from the prior year.

Capital Expenditures

$5.4M

YoY+17.7%

5Y CAGR+13.8%

10Y CAGR-0.2%

Trico Bancshares invested $5.4M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 17.7% from the prior year.

TCBK Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$53.4M+4.1%	$51.3M+2.5%	$50.1M+0.6%	$49.8M+13.2%	$43.9M+15.7%	$38.0M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$149.8M+6.5%	$140.6M+3.5%	$135.8M+4.6%	$129.9M+22.1%	$106.4M-5.1%	$112.1M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$119.7M-11.4%	$135.2M+65.5%	$81.7M+757.1%	$9.5M+73.0%	$5.5M-41.8%	$9.5M
Income Tax	$44.6M+10.8%	$40.2M-7.5%	$43.5M-10.3%	$48.5M+5.3%	$46.0M+104.3%	$22.5M
Net Income	$121.6M+5.8%	$114.9M-2.1%	$117.4M-6.4%	$125.4M+6.6%	$117.7M+81.5%	$64.8M
EPS (Diluted)	$3.70+6.9%	$3.46-1.7%	$3.52-8.1%	$3.83-2.8%	$3.94+82.4%	$2.16

Metric	Q2'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$134.9M+909.0%	$13.4M-2.8%	$13.8M+0.7%	$13.7M+7.7%	$12.7M-3.3%	$13.1M+2.6%	$12.8M-0.1%	$12.8M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$36.1M-2.0%	$36.9M-2.2%	$37.7M-1.5%	$38.3M+3.9%	$36.9M+4.3%	$35.3M-0.6%	$35.5M+0.4%	$35.4M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$26.6M-4.7%	$27.9M-8.3%	$30.4M+2.0%	$29.8M-5.4%	$31.5M-3.7%	$32.8M-5.7%	$34.7M-0.9%	$35.0M
Income Tax	$12.2M-5.8%	$12.9M+4.0%	$12.4M+21.2%	$10.3M+14.9%	$8.9M-9.3%	$9.9M-4.8%	$10.3M+2.6%	$10.1M
Net Income	$33.7M+0.2%	$33.6M-1.1%	$34.0M+23.5%	$27.5M+4.5%	$26.4M-9.2%	$29.0M-0.1%	$29.1M+0.1%	$29.0M
EPS (Diluted)	$1.04	N/A	$1.04+23.8%	$0.84+5.0%	$0.80	N/A	$0.88+1.1%	$0.87

TCBK Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$9.8B+1.5%	$9.7B-2.4%	$9.9B-0.2%	$9.9B+15.3%	$8.6B+12.8%	$7.6B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$157.0M+8.3%	$145.0M+46.9%	$98.7M-8.0%	$107.2M-86.0%	$768.4M+14.8%	$669.6M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$304.4M0.0%	$304.4M0.0%	$304.4M0.0%	$304.4M+37.8%	$220.9M0.0%	$220.9M
Total Liabilities	$8.5B+0.5%	$8.5B-3.4%	$8.8B-1.5%	$8.9B+16.7%	$7.6B+13.4%	$6.7B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$1.3B+8.8%	$1.2B+5.3%	$1.2B+10.8%	$1.0B+4.6%	$1.0B+8.1%	$925.1M
Retained Earnings	$740.2M+8.9%	$679.9M+10.5%	$615.5M+13.4%	$542.9M+16.3%	$467.0M+22.2%	$382.0M

Metric	Q2'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$9.9B+1.3%	$9.8B-0.6%	$9.9B-0.5%	$9.9B+1.1%	$9.8B+1.5%	$9.7B-1.5%	$9.8B+0.8%	$9.7B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$301.3M+91.9%	$157.0M-47.5%	$298.8M-4.9%	$314.3M+2.0%	$308.3M+112.7%	$145.0M-54.7%	$320.1M+55.0%	$206.6M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$304.4M0.0%	$304.4M0.0%	$304.4M0.0%	$304.4M0.0%	$304.4M0.0%	$304.4M0.0%	$304.4M0.0%	$304.4M
Total Liabilities	$8.6B+1.5%	$8.5B-0.9%	$8.6B-1.0%	$8.7B+1.1%	$8.6B+1.3%	$8.5B-1.5%	$8.6B+0.2%	$8.6B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$1.3B-0.3%	$1.3B+1.8%	$1.3B+3.0%	$1.3B+0.9%	$1.3B+2.8%	$1.2B-1.5%	$1.2B+5.4%	$1.2B
Retained Earnings	$749.8M+1.3%	$740.2M+2.3%	$723.7M+3.0%	$702.7M+1.3%	$693.4M+2.0%	$679.9M+2.6%	$662.8M+2.8%	$644.7M

TCBK Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$133.3M+21.5%	$109.7M-21.0%	$138.9M-14.7%	$162.9M+23.2%	$132.2M+15.2%	$114.8M
Capital Expenditures	$5.4M+17.7%	$4.6M-6.7%	$4.9M+34.9%	$3.6M+13.4%	$3.2M+13.7%	$2.8M
Free Cash Flow	$127.9M+21.7%	$105.2M-21.5%	$134.0M-15.9%	$159.3M+23.5%	$129.0M+15.2%	$112.0M
Investing Cash Flow	-$82.6M-129.0%	$285.0M+897.6%	$28.6M+103.9%	-$723.2M+18.2%	-$883.8M-8.3%	-$816.3M
Financing Cash Flow	-$38.6M+88.9%	-$348.4M-98.0%	-$176.0M-74.5%	-$100.9M-111.9%	$850.5M-22.3%	$1.1B
Dividends Paid	$45.0M+3.2%	$43.6M+9.4%	$39.9M+11.5%	$35.8M+20.4%	$29.7M+13.0%	$26.3M
Share Buybacks	$32.0M+106.2%	$15.5M+68.2%	$9.2M-66.0%	$27.1M+525.0%	$4.3M-83.7%	$26.7M

Metric	Q2'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	$33.7M-2.2%	$34.5M-23.6%	$45.1M+54.2%	$29.2M+19.3%	$24.5M+1.1%	$24.2M-15.2%	$28.6M-10.2%	$31.8M
Capital Expenditures	$712K-8.4%	$777K-58.4%	$1.9M+81.9%	$1.0M-39.1%	$1.7M+29.1%	$1.3M+5.4%	$1.2M+26.3%	$982K
Free Cash Flow	$33.0M-2.1%	$33.7M-22.1%	$43.2M+53.2%	$28.2M+23.6%	$22.8M-0.5%	$22.9M-16.1%	$27.3M-11.3%	$30.8M
Investing Cash Flow	$5.1M+106.5%	-$79.0M-241.7%	$55.7M+159.7%	-$93.3M-375.1%	$33.9M+156.6%	-$60.0M-166.7%	$89.9M-53.9%	$195.1M
Financing Cash Flow	$105.5M+208.4%	-$97.3M+16.3%	-$116.3M-265.9%	$70.1M-33.2%	$104.9M+175.2%	-$139.4M-2731.4%	-$4.9M+95.2%	-$103.1M
Dividends Paid	$11.5M-1.0%	$11.7M-0.4%	$11.7M+8.8%	$10.8M-1.0%	$10.9M0.0%	$10.9M-0.1%	$10.9M-0.2%	$10.9M
Share Buybacks	$22.4M+130.7%	$9.7M+288.2%	$2.5M-84.1%	$15.7M+282.4%	$4.1M+117.1%	$1.9M+2768.2%	$66K-99.4%	$10.2M

TCBK Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	227.5%+3.7pp	223.8%-10.6pp	234.4%-17.6pp	252.0%-15.7pp	267.7%+97.1pp	170.6%
Return on Equity	9.2%-0.3pp	9.4%-0.7pp	10.1%-1.9pp	12.0%+0.2pp	11.8%+4.8pp	7.0%
Return on Assets	1.2%+0.0pp	1.2%+0.0pp	1.2%-0.1pp	1.3%-0.1pp	1.4%+0.5pp	0.9%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	6.40-0.5	6.92-0.6	7.55-0.9	8.49+0.9	7.61+0.4	7.26
FCF Margin	239.4%+34.5pp	204.9%-62.7pp	267.5%-52.5pp	320.1%+26.5pp	293.6%-1.3pp	294.9%

Metric	Q2'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	25.0%-226.7pp	251.6%+4.2pp	247.4%+45.6pp	201.8%-6.2pp	207.9%-13.4pp	221.4%-5.9pp	227.3%+0.4pp	226.9%
Return on Equity	2.5%0.0pp	2.5%-0.1pp	2.6%+0.4pp	2.2%+0.1pp	2.1%-0.3pp	2.4%+0.0pp	2.3%-0.1pp	2.5%
Return on Assets	0.3%0.0pp	0.3%0.0pp	0.3%+0.1pp	0.3%0.0pp	0.3%-0.0pp	0.3%0.0pp	0.3%0.0pp	0.3%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	6.51+0.1	6.40-0.2	6.57-0.3	6.83+0.0	6.82-0.1	6.920.0	6.93-0.4	7.29
FCF Margin	24.5%-227.5pp	252.0%-62.2pp	314.3%+107.6pp	206.7%+26.6pp	180.1%+5.2pp	174.9%-39.0pp	213.9%-27.0pp	240.9%

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Frequently Asked Questions

What is Trico Bancshares's annual revenue?

Trico Bancshares (TCBK) reported $53.4M in total revenue for fiscal year 2025. This represents a 4.1% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Trico Bancshares's revenue growing?

Trico Bancshares (TCBK) revenue grew by 4.1% year-over-year, from $51.3M to $53.4M in fiscal year 2025.

Is Trico Bancshares profitable?

Yes, Trico Bancshares (TCBK) reported a net income of $121.6M in fiscal year 2025, with a net profit margin of 227.5%.

What is Trico Bancshares's net profit margin?

Trico Bancshares (TCBK) had a net profit margin of 227.5% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Trico Bancshares pay dividends?

Yes, Trico Bancshares (TCBK) paid $1.38 per share in dividends during fiscal year 2025.

What is Trico Bancshares's return on equity (ROE)?

Trico Bancshares (TCBK) has a return on equity of 9.2% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Trico Bancshares's free cash flow?

Trico Bancshares (TCBK) generated $127.9M in free cash flow during fiscal year 2025. This represents a 21.7% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Trico Bancshares's operating cash flow?

Trico Bancshares (TCBK) generated $133.3M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Trico Bancshares's total assets?

Trico Bancshares (TCBK) had $9.8B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Trico Bancshares's capital expenditures?

Trico Bancshares (TCBK) invested $5.4M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Trico Bancshares buy back shares?

Yes, Trico Bancshares (TCBK) spent $32.0M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Trico Bancshares have outstanding?

Trico Bancshares (TCBK) had 32M shares outstanding as of fiscal year 2025.

What is Trico Bancshares's debt-to-equity ratio?

Trico Bancshares (TCBK) had a debt-to-equity ratio of 6.40 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Trico Bancshares's return on assets (ROA)?

Trico Bancshares (TCBK) had a return on assets of 1.2% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Trico Bancshares's Piotroski F-Score?

Trico Bancshares (TCBK) has a Piotroski F-Score of 6 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Trico Bancshares's earnings high quality?

Trico Bancshares (TCBK) has an earnings quality ratio of 1.10x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Trico Bancshares?

Trico Bancshares (TCBK) scores 28 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.