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.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)
SEC XBRL FY 2025 (10-K): 239.4% FCF Margin ($127.9M FCF) & 52% Gross Margin
Put hedging (50% put share) caps near-term gamma upside (-12 pts vs max)
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.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
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).
TriCo Bancshares (TCBK) advanced +0.87% to $53.48, trading at 55% of its 52-week range ($43.52 – $61.71). Solid steady margins (9% return on capital), mixed timing at 14x P/E—hold if owned, no rush to chase.
HONOLULU and CHICO, Calif., Oct. 29, 2026 (GLOBE NEWSWIRE) -- First Hawaiian, Inc. (NASDAQ: FHB) ("First Hawaiian"), parent company of First Hawaiian Bank, and TriCo Bancshares (NASDAQ: TCBK) ("TriCo"), parent company of
Hawaii's insulated deposit market may shield margins while a California acquisition diversifies revenue concentration.
TriCo Bancshares just posted its Q3 2026 scorecard and the headline is clear. Earnings per share landed at about US$1.19 on revenue of roughly US$118.6 million, yet the stock dropped about 3.1% today to US$52.69. That ga
While the top- and bottom-line numbers for TriCo (TCBK) give a sense of how the business performed in the quarter ended September 2026, it could be worth looking at how some of its key metrics compare to Wall Street esti
TriCo (TCBK) delivered earnings and revenue surprises of +9.26% and +2.54%, respectively, for the quarter ended September 2026. Do the numbers hold clues to what lies ahead for the stock?
(AP) — TriCo Bancshares (TCBK) on Thursday reported third-quarter earnings of $38 million.The bank, based in Chico, California, said it had earnings of $1.
TriCo (NASDAQ:TCBK) reported quarterly earnings of $1.18 per share which beat the analyst consensus estimate of $1.08 by 9.26 percent. This is a 13.46 percent increase over earnings of $1.04 per share from the same
Cathay (CATY) delivered earnings and revenue surprises of -0.69% and +11.58%, respectively, for the quarter ended September 2026. Do the numbers hold clues to what lies ahead for the stock?
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +4.1% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on TCBK today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for TCBK. Explore sector supply chains on /butterfly.
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 → |
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 | — | — |
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.
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).
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.
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).
Why TCBK Stock advanced +0.87% Today — RQD Quant Desk Flash. Solid steady margins (9% return on capital), mixed timing at 14x P/E—hold if owned, no rush to chase.