TCBK

TriCo Bancshares

$40.41

1.38

(3.54%)

Exchange:	NASDAQ
Market Cap:	1.328B
Shares Outstanding:	7.8M

Overview

Earnings

Financials

Valuation

Chart

About The Company

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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Revenue Segmentation

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EPS

View full analyst estimates

Earnings Call

No transcript or summary available for this symbol.

Income Statement

Balance Sheet

Cash Flow Statement

Analyst Estimates

Income Statement

(* All numbers are in thousands)

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
? Revenue	197,974	208,333	219,873	259,359	305,388	309,258	333,721	404,418	394,064	388,763
? Cost Of Revenue	0	0	0	0	0	0	0	0	0	-77,875
? Gross Profit	197,974	208,333	219,873	259,359	305,388	309,258	333,721	404,418	394,064	466,638
? Research And Development Expenses	0	0	0	0	0	0	0	0	0	0
? General And Administrative Expenses	73,977	82,830	84,606	112,333	126,526	133,838	120,995	146,622	151,930	145,532
? Selling And Marketing Expenses	3,992	3,829	4,101	4,578	5,633	2,827	2,899	3,694	3,531	3,851
? Operating Expenses	-125,260	-135,810	44,853	-153,135	-163,191	-200,604	-164,510	-220,982	155,461	388,763
? Net Interest Income	0	0	0	0	0	0	0	0	0	329,912
? Interest Income	161,414	173,708	181,402	226,513	271,159	266,377	277,047	354,672	437,060	465,116
? Interest Expense	5,416	5,721	6,798	12,872	15,375	9,457	5,508	9,529	81,677	135,204
? Depreciation And Amortization	1,158	6,691	7,075	9,603	16,787	17,217	16,852	18,043	18,848	16,068
? EBITDA	0	0	85,830	103,865	144,134	104,987	180,982	192,286	0	0
? EBIT										-16,068
? Operating Income	72,714	72,523	91,097	106,224	142,197	108,654	169,211	183,436	160,928	-306,376
? Income Before Tax	72,714	72,523	77,512	93,352	126,822	87,350	163,703	173,907	160,905	155,104
? Income Tax Expense	28,896	27,712	36,958	25,032	34,750	22,536	46,048	48,488	43,515	40,236
? Net Income From Continuing Operations										114,868
? Net Income	43,818	44,811	40,554	68,320	92,072	64,814	117,655	125,419	117,390	114,868
? EPS (Earnings Per Share)	1.930	1.960	1.770	2.570	3.020	2.170	3.960	3.850	3.530	3.480
? EPS Diluted	1.910	1.940	1.740	2.540	3	2.160	3.940	3.830	3.520	3.470
? Weighted Average Shares Outstanding	22,750	22,814	22,912	26,593	30,478	29,917	29,721	32,584	33,261	32,993.415
? Weighted Average Shares Outstanding Diluted	22,998	23,087	23,250	26,880	30,645	30,028	29,882	32,720.999	33,354.999	33,149.358
	USD	USD	USD	USD	USD	USD	USD	USD	USD	USD

Balance Sheet

(* All numbers are in thousands)

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
? Cash And Cash Equivalents	303,461	305,612	205,428	227,533	276,507	669,551	768,421	107,230	81,626	85,409
? Short Term Investments	404,885	550,233	730,883	1,117,910	950,138	1,417,289	2,210,876	2,455,036	2,634	2,609
? Cash And Short Term Investments	708,346	855,845	936,311	1,342,569	1,226,645	2,083,815	2,976,359	2,562,266	98,701	88,018
? Net Receivables	10,786	0	13,772	19,412	18,897	20,004	0	31,856	45,018	41,616
? Accounts Receivables										34,810
? Inventory	0	-336,395	-233,549	-249,225	-295,404	-689,555	-787,713	0	0	0
? Total Current Assets	719,132	869,992	950,083	1,361,981	1,245,542	2,103,819	3,002,223	130,777	143,719	122,828
? Property Plant Equipment Net	43,811	48,406	57,742	89,347	114,965	111,577	104,352	99,189	97,480	93,816
? Goodwill	63,462	64,311	64,311	220,972	220,872	220,872	220,872	304,442	304,442	304,442
? Intangible Assets	13,512	15,197	11,861	29,280	23,557	17,833	12,369	16,670	10,552	6,432
? Long Term Investments	1,131,415	1,172,936	1,245,727	1,562,846	1,328,704	1,701,852	2,410,635	2,616,019	17,708	0
? Total Non Current Assets	1,252,200	1,300,850	1,379,641	1,902,445	1,688,098	2,052,134	2,748,228	393,439	9,828,463	430,127
? Total Assets	4,220,722	4,517,968	4,761,315	6,352,441	6,471,181	7,639,529	8,614,787	9,930,986	9,910,089	9,673,728
? Account Payables	774	818	930	1,997	2,407	1,362	928	1,167	8,445	11,501
? Short Term Debt	0	17,493	17,437	15,839	0	0	0	0	638,337	0
? Deferred Revenue	0	-16,675	0	0	-20,435	0	0	-18,901	0	0
? Total Current Liabilities	774	818	18,367	17,836	2,407	28,276	51,015	29,004	0	11,501
? Long Term Debt	0	0	56,858	0	0	0	0	418,131	129,360	190,801
? Deferred Revenue Non Current	1,082	726	1,228	53,219	76,115	81,537	111,459	-31,401	0	0
? Deferred Tax Liabilities Non Current	0	12,788	8,411	19,662	27,111	30,985	22,987	31,401	0	0
? Total Non Current Liabilities	69,880	74,886	180,252	72,881	103,226	112,522	134,446	8,855,566	8,750,407	216,238
? Total Liabilities	3,768,606	4,040,621	4,255,507	5,525,068	5,564,611	6,714,415	7,614,603	8,884,570	8,750,407	8,452,821
? Treasury Stock										0
? Preferred Stock	1	0	0	0	0	0	0	0	0	0
? Common Stock	247,587	252,820	255,836	541,762	543,998	530,835	532,244	697,448	697,349	693,462
? Retained Earnings	206,307	232,440	255,200	303,490	367,794	381,999	466,959	542,873	615,502	679,907
? Additional Paid In Capital										0
? Total Stockholders Equity	452,116	477,347	505,808	827,373	906,570	925,114	1,000,184	1,046,416	1,159,682	1,220,907
? Total Equity	452,116	477,347	505,808	827,373	906,570	925,114	1,000,184	1,046,416	1,159,682	1,220,907
? Minority Interest	0	0	0	0	0	0	0	0	0	0
? Total Liabilities And Total Equity	4,220,722	4,517,968	4,761,315	6,352,441	6,471,181	7,639,529	8,614,787	9,930,986	9,910,089	9,673,728
? Total Investments	1,542,219	1,723,169	1,995,170	2,677,882	2,278,842	3,116,116	4,618,573	5,071,055	17,708	2,609
? Total Debt	68,798	74,160	179,024	72,881	103,226	112,522	134,446	394,649	761,942	216,238
? Net Debt	-234,663	-231,452	-26,404	-154,652	-173,281	-557,029	-633,975	287,419	663,241	71,282
	USD	USD	USD	USD	USD	USD	USD	USD	USD	USD

Cash Flow Statement

(* All numbers are in thousands)

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
? Net Income	43,818	44,811	40,554	68,320	92,072	64,814	117,655	125,419	117,390	114,868
? Depreciation And Amortization	7,063	7,851	8,176	10,513	17,230	17,570	17,279	18,379	18,848	10,118
? Deferred Income Tax	749	3,035	12,473	2,600	1,692	-14,154	-936	-8,022	-2,399	-646
? Stock Based Compensation	1,370	1,467	1,586	1,462	1,654	2,036	2,638	3,869	4,125	4,666
? Change In Working Capital	2,404	-5,336	-4,823	5,556	-228	7,434	2,659	7,630	-9,917	-23,320
? Accounts Receivables	-1,511	-1,241	-1,745	-5,640	515	-1,107	712	-9,170	0	1,958
? Inventory	330	244	445	0	0	0	0	0	0	0
? Accounts Payables	-204	44	112	1,067	410	-1,045	-434	-287	0	3,056
? Net Cash Provided By Operating Activities	54,817	48,226	55,381	91,069	102,806	114,802	132,207	162,895	138,887	109,707
? Investments In Property Plant And Equipment	-5,489	-10,930	-15,164	-7,435	-4,293	-2,812	-3,196	-3,623	-4,886	0
? Acquisitions Net	-244,205	156,316	-256,066	30,613	-286,339	-456,541	-151,502	426,883	0	0
? Purchases Of Investments	-487,403	-247,717	-265,806	-436,678	-37,253	-617,552	-1,190,690	-699,035	-34,468	-187,763
? Sales Maturities Of Investments	127,338	193,350	176,070	435,230	293,405	257,602	455,561	306,229	420,022	432,961
? Net Cash Provided By Investing Activities	0	0	0	0	0	0	0	0	0	284,998
? Net Debt Issuance	0	0	0	0	0	0	0	0	0	-542,972
? Long Term Net Debt Issuance	0	0	0	0	0	0	0	0	0	-542,972
? Short Term Net Debt Issuance	0	0	0	0	0	0	0	0	0	0
? Net Stock Issuance	0	0	0	0	0	0	0	0	0	-15,544
? Net Dividends Paid	-11,849	-13,695	-15,131	-18,769	-24,999	-26,303	-29,724	-35,797	-39,901	-43,646
? Common Dividends Paid										-43,646
? Preferred Dividends Paid	0	0	0	0	0	0	0	0	0	0
? Net Cash Provided By Financing Activities	242,226	93,316	201,880	73,039	-24,043	1,094,575	850,474	-100,862	-175,983	-348,450
? Effect Of Forex Changes On Cash	0	0	0	0	0	0	0	0	0	0
? Net Change In Cash	-307,267	2,151	-100,184	22,105	48,974	393,044	98,870	-661,191	-8,529	46,255
? Cash At End Of Period	303,461	305,612	205,428	227,533	276,507	669,551	768,421	107,230	98,701	144,956
? Cash At Beginning Of Period	610,728	303,461	305,612	205,428	227,533	276,507	669,551	768,421	107,230	98,701
? Operating Cash Flow	54,817	48,226	55,381	91,069	102,806	114,802	132,207	162,895	138,887	109,707
? Capital Expenditure	-5,489	-10,930	-15,164	-7,435	-4,293	-2,812	-3,196	-3,623	-4,886	0
? Free Cash Flow	49,328	37,296	40,217	83,634	98,513	111,990	129,011	159,272	134,001	109,707
	USD	USD	USD	USD	USD	USD	USD	USD	USD	USD

Analyst Estimates

(* All numbers are in thousands)

Fiscal Year	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026
Estimated Revenue (Low)	224,526.609	261,072.135	309,511.235	308,651.200	331,812.306	404,889.613	418,890.040	394,795.517	411,169.393	429,902.609
Estimated Revenue (High)	227,727.292	264,793.784	313,923.396	313,051.100	336,542.374	412,785.062	419,492.759	395,396.882	413,488.966	442,935.990
Estimated Revenue (Avg)	225,875	262,640	311,370	310,504.800	333,805	407,789.400	419,191.400	395,096.200	412,329.180	436,419.300
Estimated Ebitda (Low)	73,950.915	87,404.950	119,575.182	87,704.369	128,704.433	168,165.287	194,210.861	144,434.296	150,424.610	157,278.079
Estimated Ebitda (High)	110,926.373	131,107.426	179,362.772	131,556.554	193,056.652	252,247.933	291,316.296	144,654.302	151,273.216	162,046.287
Estimated Ebitda (Avg)	92,438.644	109,256.188	149,468.978	109,630.462	160,880.543	210,206.610	242,763.579	144,544.299	150,848.913	159,662.183
Estimated Net Income (Low)	31,272.504	51,132.316	71,113.100	51,708.927	83,576.692	119,690.486	93,911.999	110,629.529	106,470.494	116,530.362
Estimated Net Income (High)	46,908.757	76,698.476	106,669.650	77,563.391	125,365.038	179,535.729	140,867.999	113,961.693	114,788.564	125,186.985
Estimated Net Income (Avg)	39,090.631	63,915.396	88,891.375	64,636.159	104,470.865	149,613.108	117,390	112,295.611	110,853.500	121,576.170
Estimated SGA Expense (Low)	83,799.237	87,953.937	102,087.564	113,993.253	93,305.971	85,236.053	93,759.658	158,436.942	165,008.007	172,525.907
Estimated SGA Expense (High)	125,698.855	131,930.906	153,131.348	170,989.879	139,958.956	127,854.080	140,639.486	158,678.278	165,938.884	177,756.385
Estimated SGA Expense (Avg)	104,749.046	109,942.422	127,609.456	142,491.566	116,632.464	106,545.067	117,199.572	158,557.610	165,473.445	175,141.146
Estimated EPS (Avg)	1.970	2.470	2.960	2.060	3.890	3.910	3.580	3.380	3.340	3.660
Estimated EPS (High)	1.990	2.500	2.990	2.090	3.930	3.970	3.610	3.420	3.440	3.750
Estimated EPS (Low)	1.960	2.450	2.940	2.050	3.860	3.870	3.540	3.320	3.190	3.490
Number of Analysts (Estimated Revenue)	3	6	1	2	2	1	4	3	4	4
Number of Analysts (Estimated EPS)	2	5	2	1	1	2	5	5	5	5

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Current Key Metrics

?	Revenue (TTM) :	530.992M	?	P/S (TTM) :	2.45
?	Net Income (TTM) :	114.868M	?	P/E (TTM) :	11.33
?	Enterprise Value (TTM) :	1.192B	?	EV/FCF (TTM) :	11.47
?	Dividend Yield (TTM) :	0.03	?	Payout Ratio (TTM) :	0.38
?	ROE (TTM) :	0.09	?	ROIC (TTM) :	0.07
?	Net Debt (TTM) :	71.282M	?	Debt/Equity (TTM) :	0.17
?	P/B (TTM) :	1.02	?	Current Ratio (TTM) :	0.27

Forward P/E Ratios

?

Forward P/E calculated based on:

Forward P/E 1Y	Forward P/E 2Y	Forward P/E 3Y	Forward P/E 4Y	Forward P/E 5Y
20.51	16.36	13.65	19.62	10.39

SWOT Analysis

No SWOT analysis available for this stock.

TCBK

3.54

5.23

2.75

0.05

-8.7

8.22

44.63

Trading Metrics:

Open:	38.87	Previous Close:	39.03
Day Low:	38.87	Day High:	40.44
Year Low:	35.2	Year High:	51.06
Price Avg 50:	39.34	Price Avg 200:	42.65
Volume:	104423	Average Volume:	113376

TCBK

TriCo Bancshares

About The Company

Revenue Segmentation

EPS

Earnings Call

Income Statement

Balance Sheet

Cash Flow Statement

Analyst Estimates

Current Key Metrics

Forward P/E Ratios

SWOT Analysis

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