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1. Company Snapshot

1.a. Company Description

TriCo Bancshares operates as a bank holding company for Tri Counties Bank that provides commercial banking services to individual and corporate customers.The company accepts demand, savings, and time deposits.It also provides small business loans; real estate mortgage loans, such as residential and commercial loans; consumer loans; commercial loans, including agricultural loans; and real estate construction loans.


In addition, the company offers treasury management services; and other customary banking services, including safe deposit boxes; and independent financial and broker-dealer services.It operates 61 traditional branches, 7 in-store branches, and 7 loan production offices in 31 counties throughout California.The company was founded in 1975 and is headquartered in Chico, California.

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1.b. Last Insights on TCBK

Negative drivers behind TriCo Bancshares' recent performance include the looming changes in the financial services industry, which may pose challenges to the company's future growth. The impending disruptions could hinder TriCo's ability to differentiate and elevate its performance, as mentioned by the company's executive commentary. Additionally, the company's focus on community development grants, such as the $260,000 awarded to Alchemist CDC, JEDI, and the Kashia Band of Pomo Indians, may divert resources away from core business operations.

1.c. Company Highlights

2. Transcript Summary

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3. NewsRoom

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TriCo (TCBK) Upgraded to Strong Buy: Here's What You Should Know

Nov -14

Source: zacks.com

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Allworth Financial LP Acquires 111,099 Shares of TriCo Bancshares $TCBK

Nov -12

Source: defenseworld.net

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Best Momentum Stocks to Buy for Nov. 7

Nov -07

Source: zacks.com

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TriCo (TCBK) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates

Oct -23

Source: zacks.com

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TriCo (TCBK) Beats Q3 Earnings and Revenue Estimates

Oct -23

Source: zacks.com

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TriCo Bancshares Reports Third Quarter 2025 Net Income of $34.0 Million, Diluted EPS of $1.04

Oct -23

Source: businesswire.com

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Tri Counties Bank Opens Newest Location in the West Portal Neighborhood of San Francisco

Sep -12

Source: businesswire.com

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Why TriCo (TCBK) is a Great Dividend Stock Right Now

Sep -11

Source: zacks.com

4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (4.00%)

6. Segments

Community Banking

Expected Growth: 4%

TriCo Bancshares' Community Banking segment growth is driven by strategic branch expansion, increased commercial lending, and deposit growth through targeted marketing initiatives. Additionally, investments in digital banking platforms and enhanced customer service have contributed to the 4% growth rate.

7. Detailed Products

Personal Banking

TriCo Bancshares offers a range of personal banking services, including checking and savings accounts, credit cards, loans, and investment services.

Business Banking

TriCo Bancshares provides business banking services, including commercial loans, cash management, and treasury management solutions.

Wealth Management

TriCo Bancshares offers wealth management services, including investment management, trust services, and financial planning.

Mortgage Lending

TriCo Bancshares provides mortgage lending services, including residential and commercial mortgage loans.

Treasury Management

TriCo Bancshares offers treasury management services, including cash management, wire transfers, and account reconciliation.

Online Banking

TriCo Bancshares provides online banking services, including bill pay, fund transfers, and account management.

8. TriCo Bancshares's Porter Forces

Forces Ranking

Threat Of Substitutes

TriCo Bancshares operates in a highly competitive industry, with many substitutes available to customers. However, the company's strong brand recognition and customer loyalty help to mitigate the threat of substitutes.

Bargaining Power Of Customers

TriCo Bancshares' customers have some bargaining power due to the availability of alternative banking services. However, the company's strong relationships with its customers and its ability to offer personalized services help to reduce the bargaining power of customers.

Bargaining Power Of Suppliers

TriCo Bancshares has a diverse supplier base, which reduces the bargaining power of individual suppliers. The company's strong financial position also gives it the ability to negotiate favorable terms with its suppliers.

Threat Of New Entrants

The banking industry has high barriers to entry, including regulatory hurdles and the need for significant capital investments. This makes it difficult for new entrants to enter the market and compete with established players like TriCo Bancshares.

Intensity Of Rivalry

The banking industry is highly competitive, with many established players competing for market share. TriCo Bancshares faces intense competition from larger banks and fintech companies, which puts pressure on its pricing and profitability.

9. SWOT Analysis

Strength

Weaknesses

Opportunities

Threats

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

Value
Debt Weight 38.94%
Debt Cost 4.78%
Equity Weight 61.06%
Equity Cost 6.70%
WACC 5.95%
Leverage 63.76%

11. Quality Control: TriCo Bancshares passed 4 out of 9 key points

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

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Bank of South Carolina

A-Score: 7.5/10

Value: 6.3

Growth: 3.9

Quality: 8.8

Yield: 8.0

Momentum: 9.0

Volatility: 9.3

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Meridian

A-Score: 6.5/10

Value: 7.9

Growth: 4.2

Quality: 5.1

Yield: 7.0

Momentum: 8.0

Volatility: 7.0

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TriCo

A-Score: 6.3/10

Value: 6.1

Growth: 4.8

Quality: 8.2

Yield: 6.0

Momentum: 5.0

Volatility: 7.7

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Provident Financial Services

A-Score: 6.3/10

Value: 6.8

Growth: 5.7

Quality: 4.4

Yield: 9.0

Momentum: 5.0

Volatility: 6.7

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ESSA Bancorp

A-Score: 6.2/10

Value: 5.1

Growth: 5.2

Quality: 5.0

Yield: 6.0

Momentum: 7.0

Volatility: 8.7

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ConnectOne

A-Score: 5.0/10

Value: 4.2

Growth: 5.0

Quality: 4.3

Yield: 6.0

Momentum: 4.0

Volatility: 6.7

1-Year Total Return ->

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Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

47.82$

Current Price

47.82$

Potential

-0.00%

Expected Cash-Flows