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
Flat results in Dec 25
- OPERATING CASH FLOW(Y) Lowest at USD 98.83 MM
- ROCE(HY) Lowest at 1.25%
4
With ROA of 0.78%, it has a expensive valuation with a 1.09 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 13.17%, its profits have fallen by -1.3%
5
High Institutional Holdings at 72.92%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
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
13.17%
1.21
26.03%
S&P 500
17.78%
0.92
19.35%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
11.99%
EBIT Growth (5y)
10.69%
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
72.92%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
12
Industry P/E
Price to Book Value
1.09
EV to EBIT
8.52
EV to EBITDA
7.70
EV to Capital Employed
1.10
EV to Sales
2.51
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
12.97%
ROE (Latest)
8.84%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend7What is working for the Company
ROCE(HY)
Highest at 1.25%
NII(Q)
Highest at USD 92.23 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
NET SALES(Q)
Highest at USD 120.15 MM
PRE-TAX PROFIT(Q)
Highest at USD 46.58 MM
-5What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 98.83 MM
ROCE(HY)
Lowest at 1.25%
Here's what is working for TriCo Bancshares
NII
Highest at USD 92.23 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Net Sales
Highest at USD 120.15 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Pre-Tax Profit
Highest at USD 46.58 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Here's what is not working for TriCo Bancshares
Operating Cash Flow
Lowest at USD 98.83 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)
Capital Adequacy Ratio
Lowest at 13.8%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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