Stock Ratings / Financials / TCBK / financials

HOPE (56) QCRH (69) NBHC (72) BFC (55) ⌘ Pro Terminal →

TriCo Bancshares (TCBK) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$53.48 +0.87% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $53.46

TriCo Bancshares (TCBK) carries a Roarable Rating of C (Hold) with 65/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 65/100 (C) historically posted market-perform odds over rolling 90-day windows (+1.3% avg 90D alpha vs SPY) →

ROARABLE C • HOLD / WATCH Cap $1.71B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $53.46 (-0.03%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 15/20 (B) • 239.4% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 65/100 (C) historically posted market-perform odds over rolling 90-day windows (+1.3% avg 90D alpha vs SPY • 55.6% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C · Rk C

Each axis scored 0–20

12M PRICE TARGET CONE+3.1% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for TCBK)Realized 20D OHLCV Swing Band: ±4%

Deterministic 5-Pillar Attribution (65/100 Composite)

🔍 WHY TCBK SCORES 65/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (25% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▲ #2 Bullish Driver: Cash Engine Quality+15/20 pts (23% of score)

SEC XBRL FY 2025 (10-K): 239.4% FCF Margin ($127.9M FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: Whale & Options Positioning8/20 pts (-12 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-12 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C$51.41+1.2% Next Q

Q2 (-2Q)

Grade C$52.04+1.3% Next Q

Q3 (-1Q)

Grade C+$52.72+1.4% Next Q

Current

Grade C$53.48+1.3% Hist 90D α

Trajectory: C (57) → C (65)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the TCBK Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 65/100 (C) score, TCBK faces multiple-compression risk if 14.1x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($52.85) or 200D SMA ($51.97) invalidates the momentum regime and cuts Target Base ($55.16) toward Bear Floor ($43.02).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $TCBK• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “TCBK Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 65%NO 35%Trade / Inspect Odds →

VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • FY 2025 (10-K)

How TCBK Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$127.9M (239.4% FCF Margin)

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

■ Revenue■ Net Profit■ Free Cash Flow

FY23

Rev $50.1M

FY24

Rev $51.3M

FY25

Rev $53.4M

Fiscal Year	Revenue	Gross Margin	Op Margin	Net Profit	Free Cash Flow	ROIC %
FY 2025	$53.4M	52%	0%	$121.6M	$127.9M	9.2%
FY 2024	$51.3M	52%	0%	$114.9M	$105.2M	9.2%
FY 2023	$50.1M	52%	0%	$117.4M	$138.9M	9.2%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring TCBK)

✓Walkthrough of TCBK's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

TCBK // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +6.39%⚡ TESTING RESISTANCE

2026-10-30O $53.67H $53.99L $52.26C $53.48VOL 209.0K

RES: $53.85SUP: $49.97SMA50: $52.85SMA200: $51.97

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

TCBK Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 TCBK Butterfly Map → + Track TCBK →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

5.9%/yr Implied 5Y Growth

vs. +4.1% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on TCBK today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for TCBK. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for TCBK today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (TCBK)

Financials Rank #319 of 1096 ⚔️ HOPE vs TCBK Full Matrix →

1. Head-to-Head Financials Peer Comparison (TCBK vs. HOPE, QCRH, NBHC, BFC)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, TriCo Bancshares (TCBK) ranks #319 by composite RQD confidence (65/100, grade C) and #459 by equity capitalization ($1.71B). Within this direct 5-issuer industry benchmark cohort, QCRH leads on earnings valuation at 13.2x trailing P/E, while QCRH leads on capital efficiency and profitability with 11.4% ROIC and — gross margin. NBHC currently holds the highest overall quantitative score in the immediate peer group at 72/100 (B) compared with TCBK at 65/100 (C).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
TCBK ACTIVE TriCo Bancshares	C	65/100	14.1x	—	9.2%	+0.87%	$1.71B	Benchmark Subject
HOPE Hope Bancorp Inc.	D+	56/100	28.0x	—	2.7%	-2.16%	$1.73B	/hope-vs-tcbk →
QCRH QCR Holdings Inc.	C+	69/100	13.2x	—	11.4%	+1.37%	$1.68B	/qcrh-vs-tcbk →
NBHC National Bank Holdings Corporation	B	72/100	15.3x	—	7.9%	+0.21%	$1.67B	/nbhc-vs-tcbk →
BFC Bank First Corporation	D+	55/100	23.4x	—	11.1%	+1.85%	$1.67B	/bfc-vs-tcbk →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000356171

In its most recent audited fiscal period (FY2025, filed 2025-12-31), TriCo Bancshares (TCBK) reported GAAP revenue of $53.4M (+4.1% vs. FY2024 revenue of $51.3M , and +6.7% cumulative change since FY2023) , GAAP net income of $121.6M, operating cash flow of $133.3M, and free cash flow of $127.9M (+21.7% YoY). On the balance sheet, TCBK closed FY2025 with $9.82B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 6/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$53.4M	$121.6M	$133.3M	$127.9M	$9.82B	—
FY2024 (FY)	2024-12-31	$51.3M	$114.9M	$109.7M	$105.2M	$9.67B	—
FY2023 (FY)	2023-12-31	$50.1M	$117.4M	$138.9M	$138.9M	—	—

3. TCBK Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is TCBK stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, TriCo Bancshares (NASDAQ: TCBK) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 65/100 at a spot price of $53.48 (+0.87% 1D, market cap $1.71B). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 8/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 13/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, TCBK ranks #319 in composite RQD confidence.

How does TCBK compare to HOPE and QCRH in the Financials sector?

Within the Financials sector (Major Banks), TCBK carries a Roarable C (65/100 RQD), trailing P/E of 14.1x, gross margin of —, and ROIC of 9.2%. By comparison, HOPE (Hope Bancorp Inc.) holds a D+ grade (56/100 RQD, P/E 28.0x, ROIC 2.7%, cap $1.73B) and QCRH (QCR Holdings Inc.) posts a C+ grade (69/100 RQD, P/E 13.2x, ROIC 11.4%, cap $1.68B). Among the 5-stock peer group, QCRH leads on earnings multiple (13.2x) while QCRH leads on capital efficiency (11.4% ROIC).

What are the biggest fundamental strengths and SEC risk factors for TCBK?

Per TCBK's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000356171), TriCo Bancshares generated $53.4M in revenue (+4.1% YoY), $121.6M in net income, and $127.9M in free cash flow against $9.82B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is TCBK trading relative to its 50-day, 200-day, and 52-week technical levels?

TCBK last traded at $53.48 (+0.87% on volume of 172,346 shares), positioning the stock +1.19% above its 50-day simple moving average ($52.85) and +2.91% above its 200-day simple moving average ($51.97). Across its 52-week range of $43.52 to $61.71, TCBK sits at the 54.8% percentile with a 14-day RSI of 49.0 (NEUTRAL RANGE) and an implied next-earnings move of ±4.0% ($51.34 to $55.62).

TCBK Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

How profitable is TriCo Bancshares (TCBK)?

In FY 2025 (10-K), TCBK converted $53.4M of revenue into a 52% gross margin, 0% operating margin, and $127.9M in free cash flow (239.4% FCF margin).

Direct Sub-Reports: TCBK RQD Cockpit TCBK 12M Forecast TCBK Earnings & Move TCBK Dividends & DRIP TCBK Insiders & 13F TCBK Whale Options TCBK Profit Sankey TCBK News & Why