MARKETS / NASDAQ / TCBK

NASDAQ · STATE COMMERCIAL BANKS · LARGE CAP

Trico Bancshares / TCBK

17 fiscal years on record · USD · FY2025 reported · SEC filings only

Revenue

$53.4M

▲ 4.1% YoY

Net income

$121.6M

▲ 5.8% YoY

Free cash flow

$127.9M

▲ 21.7% YoY

In brief

What this company does

TriCo's principal business is to serve as the holding company for its wholly-owned subsidiary, Tri Counties Bank, a California-chartered commercial bank. TriCo is a California corporation and was incorporated in 1981. The Bank was organized in 1975 and had total assets of approximately $9.8 billion at December 31, 2025. Based in Chico, California, the Bank offers an extensive and competitive breadth of consumer, small business and commercial banking services through its network of stand-alone and in-store branches in communities throughout California. The Bank provides a breadth of personal, small business and commercial financial services including accepting demand, savings and time deposits and making small business, commercial, real estate, and consumer loans, as well as a range of treasury management services and other customary banking services. At December 31, 2025, the Company employed 1,148 persons, with full-time equivalent employees numbering 1,135.

Written from the business description in TRICO BANCSHARES's annual report to the U.S. Securities and Exchange Commission, filed 2 March 2026. Every sentence was checked against that document before publication.

Growth

USD 53.4M

Revenue, FY2025 · full 17-year series below

Revenue $M Net income $M

FY2025 · Revenue 53.4 · Net income 121.6

Compound annual growth

Revenue

+2.4%

+7.1%

Net income

−1.0%

+13.4%

+10.7%

+22.2%

Returned to shareholders

+7.7%

+7.8%

+20.6%

+17.9%

3 yrs

5 yrs

10 yrs

15 yrs

Revenue compounded at +7.1% a year over five years — but profit grew faster: net income at +13.4%.

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability

227 cents

of every revenue dollar became profit

Operating margin Net margin

FY2025 · Operating 310.9% · Net 227.4%

ROE

FY2025 · ROE 9.5%

Gross margin—

Operating margin310.9%

Net margin227.4%

Return on assets1.2%

EBITDAUSD 172.5M

Each USD of equity produced 10 cents of profit this year.

Cash & shareholders

USD 77.1M

returned in FY2025 · dividends + net buybacks

Free cash flow $M

FY2025 · FCF 127.9

Net buybacks $M Dividends $M

FY2025 · Dividends 45.0 · Net buybacks 32.0

Dividends paidUSD 45.0M

Net buybacksUSD 32.0M

Share of profit63.4%

Consecutive raises—

USD 45.0M in dividends and USD 32.0M in buybacks — 63% of the year's profit went back to shareholders.

Total assetsUSD 9.8B

EquityUSD 1.3B

CashUSD 157.0M

DepositsUSD 8.3B

Equity funds 14% of total assets.

The 17-year record

17 fiscal years

Every figure from documents filed with the SEC · USD

EPS, diluted, dividend per share and shares outstanding are shown without shading, and a vertical line marks the year the share count changed — the series crosses a large, unexplained change in share count, so the years on either side are not on a comparable scale.

row low → row highnegative

Metric	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009
Revenue $B	0.1	0.1	0.1	0.0	0.0	0.0	0.0	0.0	0.0	0.0	·	·	·	·	·	·	·
Operating income $B	0.2	0.2	0.2	0.2	0.2	0.1	0.1	0.1	0.1	0.1	0.1	0.0	0.0	·	·	·	·
EBITDA $B	0.2	0.2	0.2	0.2	0.2	0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.1	·	·	·	·
Income tax $B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Net income $B	0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Free cash flow $B	0.1	0.1	0.1	0.2	0.1	0.1	0.1	0.1	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
EPS, diluted $	3.70	3.46	3.52	3.83	3.94	2.16	3.00	2.54	1.74	1.94	1.91	1.46	1.69	1.18	1.16	0.37	0.62
Dividend / sh $	1.38	1.32	1.20	1.10	1.00	0.88	0.82	0.70	0.66	0.60	0.52	0.44	0.42	0.36	0.36	0.40	0.52
Payout %	37	38	34	29	25	41	27	27	37	31	27	30	25	30	31	106	82
ROE %	9.5	9.7	10.6	12.3	12.2	7.1	10.7	10.2	8.2	9.6	10.1	7.8	11.4	8.5	8.9	3.0	5.0
Shares out B	0.03	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.02	0.02	·

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

Provenance

Company facts, as filed

How we verify · 0 failures in 49 reconciliationsAUDITED

Reconciled in 17 of 19 fiscal years. 8 checks could not be computed.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquiditymoeda_consistente0 failures

ActivityState Commercial Banks

Listed onNASDAQ

Incorporated inCalifornia

Fiscal year endsDecember 31

Data on record since2009