ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is TriCo Bancshares ?
1
High Profitability with a Net Interest Margin of 5.44%
2
Strong Long Term Fundamental Strength with a 9.90% CAGR growth in Net Profits
- NII(Q) Highest at USD 86.52 MM
3
With ROA of 0.80%, it has a fair valuation with a 1.05 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 -1.57%, its profits have risen by 3.8% ; the PEG ratio of the company is 2.5
4
High Institutional Holdings at 70.73%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 0.51% over the previous quarter.
5
Underperformed the market in the last 1 year
- Even though the market (S&P 500) has generated returns of 12.33% in the last 1 year, the stock has hugely underperformed and has generate negative returns of -1.57% returns
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?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
TriCo Bancshares
1.86%
1.36
26.29%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
11.43%
EBIT Growth (5y)
9.52%
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
38.19%
Pledged Shares
0
Institutional Holding
70.73%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
12
Industry P/E
Price to Book Value
1.05
EV to EBIT
8.67
EV to EBITDA
7.81
EV to Capital Employed
1.06
EV to Sales
2.56
PEG Ratio
2.51
Dividend Yield
NA
ROCE (Latest)
12.23%
ROE (Latest)
9.04%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
Mildly Bullish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend2What is working for the Company
NII(Q)
Highest at USD 86.52 MM
-6What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 106.22 MM
GROSS NPA (%)
(Q
Here's what is working for TriCo Bancshares
NII
Highest at USD 86.52 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Here's what is not working for TriCo Bancshares
Non Performing Loans (%)
Highest at 0.93% and Grown
In each half year in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
Operating Cash Flow
Lowest at USD 106.22 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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