ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is TriCo Bancshares ?
1
High Profitability with a Net Interest Margin of 5.82%
2
Strong Long Term Fundamental Strength with a 13.40% CAGR growth in Net Profits
3
With a growth in Interest of NAN%, the company declared Very Positive results in Jun 26
- OPERATING CASH FLOW(Y) Highest at USD 138.38 MM
- ROCE(HY) Highest at 1.36%
- NII(Q) Highest at USD 93.63 MM
4
With ROA of 0.79%, it has a attractive valuation with a 1.13 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 15.33%, its profits have risen by 5.8% ; the PEG ratio of the company is 1.7
5
High Institutional Holdings at 80.83%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 5.35% over the previous quarter.
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to TriCo Bancshares should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is TriCo Bancshares for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
TriCo Bancshares
15.33%
1.89
26.01%
S&P 500
15.36%
1.17
13.09%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
11.99%
EBIT Growth (5y)
10.36%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
37.30%
Pledged Shares
0
Institutional Holding
75.48%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
12
Industry P/E
Price to Book Value
1.13
EV to EBIT
9.07
EV to EBITDA
8.28
EV to Capital Employed
1.14
EV to Sales
2.93
PEG Ratio
1.66
Dividend Yield
NA
ROCE (Latest)
12.55%
ROE (Latest)
9.15%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
Mildly Bearish
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend12What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 138.38 MM
ROCE(HY)
Highest at 1.36%
NII(Q)
Highest at USD 93.63 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
CREDIT DEPOSIT RATIO(HY)
Highest at 87.36%
NET SALES(Q)
Highest at USD 120.99 MM
PRE-TAX PROFIT(Q)
Highest at USD 47.15 MM
NET PROFIT(Q)
Highest at USD 34.8 MM
EPS(Q)
Highest at USD 1.06
-2What is not working for the Company
ROCE(HY)
Lowest at 1.36%
Here's what is working for TriCo Bancshares
NII
Highest at USD 93.63 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Operating Cash Flow
Highest at USD 138.38 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Net Sales
Highest at USD 120.99 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Pre-Tax Profit
Highest at USD 47.15 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 34.8 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 1.06
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Credit Deposit Ratio
Highest at 87.36%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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