TriCo Bancshares trades at $45.47 per share and has stayed right on track with the overall market, gaining 16.3% over the last six months. At the same time, the S&P 500 has returned 21.3%.

Is now a good time to buy TCBK? Find out in our full research report, it’s free for active Edge members.

Why Does TCBK Stock Spark Debate?

Founded in 1975 and headquartered in Chico, California, TriCo Bancshares (NASDAQ: TCBK) operates Tri Counties Bank, providing personal, small business, and commercial banking services through branches across California.

Two Things to Like:

1. Outstanding Long-Term EPS Growth

We track the long-term change in earnings per share (EPS) because it highlights whether a company’s growth is profitable.

TriCo Bancshares’s EPS grew at an astounding 11% compounded annual growth rate over the last five years, higher than its 5.8% annualized revenue growth. This tells us the company became more profitable on a per-share basis as it expanded.

2. Growing TBVPS Reflects Strong Asset Base

In the banking industry, tangible book value per share (TBVPS) provides the clearest picture of shareholder value, as it focuses on concrete assets while excluding intangible items that may not hold value during challenging times.

TriCo Bancshares’s TBVPS increased by 6.6% annually over the last five years, and growth has recently accelerated as TBVPS grew at an excellent 16.2% annual clip over the past two years (from $22.67 to $30.61 per share).

One Reason to be Careful:

Net Interest Income Points to Soft Demand

Markets consistently prioritize net interest income over non-recurring fees, recognizing its superior quality compared to the more unpredictable revenue streams.

TriCo Bancshares’s net interest income has grown at a 6.2% annualized rate over the last five years, slightly worse than the broader banking industry and in line with its total revenue.

Final Judgment

TriCo Bancshares’s positive characteristics outweigh the negatives, but at $45.47 per share (or 1.1× forward P/B), is now the time to initiate a position? See for yourself in our full research report, it’s free for active Edge members.

Stocks We Like Even More Than TriCo Bancshares

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