Trico Bancshares / (TCBK) Financial Statements
Industry: State Commercial Banks
In fiscal 2025, Trico Bancshares / reported revenue of $419.2M, up 5.9% from $395.8M the year before. Net income was $121.6M (a 29.0% net margin), or $3.70 per diluted share. Net interest income was $350.8M, and the efficiency ratio (noninterest expense / revenue) was 57.5%. Operating activities generated $133.3M of cash, leaving $127.9M of free cash flow. At fiscal year end, Trico Bancshares / held $9.82B in total assets against $8.49B in total liabilities, including $157.0M of cash and equivalents.
Open the full interactive Trico Bancshares / financials → Quarterly statements, key ratios, valuation history and price charts.
Trico Bancshares / Key Stats
| Share Price | $51.06 |
|---|---|
| Market Cap | $1.64B |
| P/E Ratio | 13.8 |
| Revenue YoY Growth | +5.9% |
| 52-Week Range | $39.58 – $61.21 |
| Shares Outstanding | 31.9 million (basic, 2026 Q2) |
Trico Bancshares / Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $257.7M | $271.5M | $346.0M | $356.7M | $331.4M | $350.8M |
| Provision for Credit Losses | $42.2M | -$7.2M | $17.9M | $22.5M | $6.5M | $10.3M |
| Noninterest Income | $55.2M | $63.7M | $63.0M | $61.4M | $64.4M | $68.3M |
| Noninterest Expense | $182.8M | $178.3M | $216.6M | $233.2M | $234.1M | $241.0M |
| Revenue | $312.9M | $335.2M | $409.0M | $418.1M | $395.8M | $419.2M |
| Pre-Tax Income | $87.3M | $163.7M | $173.9M | $160.9M | $155.1M | $166.2M |
| Income Tax | $22.5M | $46.0M | $48.5M | $43.5M | $40.2M | $44.6M |
| Net Income | $64.8M | $117.7M | $125.4M | $117.4M | $114.9M | $121.6M |
| Diluted EPS | $2.16 | $3.94 | $3.83 | $3.52 | $3.46 | $3.70 |
Trico Bancshares / Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $107.6M | $109.4M | $108.3M | $111.9M |
| Net Income | $34.0M | $33.6M | $33.7M | $34.2M |
| Diluted EPS | $1.04 | $1.02 | $1.04 | $1.06 |
Trico Bancshares / Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $669.6M | $768.4M | $107.2M | $98.7M | $145.0M | $157.0M |
| Loans (Net) | — | $4.83B | $6.34B | $6.67B | $6.64B | $6.99B |
| Total Assets | $7.64B | $8.61B | $9.93B | $9.91B | $9.67B | $9.82B |
| Deposits | $6.51B | $7.37B | $8.33B | $7.83B | $8.09B | $8.26B |
| Total Long-Term Debt | $84.5M | $108.2M | $365.6M | $733.7M | $190.8M | $53.0M |
| Total Liabilities | $6.71B | $7.61B | $8.88B | $8.75B | $8.45B | $8.49B |
| Shareholders' Equity | $925.1M | $1.00B | $1.05B | $1.16B | $1.22B | $1.33B |
Trico Bancshares / Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $114.8M | $132.2M | $162.9M | $138.9M | $109.7M | $133.3M |
| Cash From Investing | -$816.3M | -$883.8M | -$723.2M | $28.6M | $285.0M | -$82.6M |
| Cash From Financing | $1.09B | $850.5M | -$100.9M | -$176.0M | -$348.4M | -$38.6M |
| Free Cash Flow | $112.0M | $129.0M | $159.3M | $134.0M | $105.2M | $127.9M |
Figures from Trico Bancshares /'s 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Trico Bancshares / financials page for every line item.
Trico Bancshares / Company Profile
| Ticker | TCBK |
|---|---|
| Exchange | Nasdaq |
| Industry | State Commercial Banks |
| Headquarters | Chico, California |
| Incorporated in | California |
| Fiscal Year End | December 31 |
| SEC Filer Category | Large accelerated filer |
| SEC CIK | 0000356171 |
Frequently Asked Questions
What was Trico Bancshares /'s revenue in fiscal 2025?
Trico Bancshares / (TCBK) reported revenue of $419.2M for fiscal 2025.
What is Trico Bancshares /'s annual revenue history?
Trico Bancshares /'s annual revenue by fiscal year: 2020: $312.9M; 2021: $335.2M; 2022: $409.0M; 2023: $418.1M; 2024: $395.8M; 2025: $419.2M.
What was Trico Bancshares /'s net income in fiscal 2025?
Trico Bancshares / reported net income of $121.6M for fiscal 2025.
What was Trico Bancshares /'s earnings per share (EPS) in fiscal 2025?
Trico Bancshares /'s diluted EPS was $3.70 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did Trico Bancshares / generate in fiscal 2025?
Trico Bancshares / generated $127.9M of free cash flow in fiscal 2025.
What was Trico Bancshares /'s revenue last quarter?
In its most recent reported quarter (2026 Q2), Trico Bancshares / reported revenue of $111.9M.
How much debt does Trico Bancshares / have?
Trico Bancshares / reported $53.0M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of Trico Bancshares / are outstanding?
Trico Bancshares / reported a weighted average of 31.9 million basic shares outstanding in 2026 Q2.
What is Trico Bancshares /'s market cap?
Based on its latest closing price, Trico Bancshares / (TCBK) has a market capitalization of about $1.64B.
When does Trico Bancshares /'s fiscal year end?
Trico Bancshares /'s fiscal year end, as registered with the SEC, is December 31.
Where is Trico Bancshares / headquartered?
Trico Bancshares / lists its business address in Chico, California in its SEC filings.