TriCo Bancshares (TCBK) Net Margins Hold Firm, Reinforcing Quality Narrative Despite Modest Decline

Simply Wall St.10-24

TriCo Bancshares (TCBK) reported net profit margins of 28.6%, slipping slightly from 29.2% a year ago. Over the past five years, earnings have grown at a 6.9% annual rate. Looking ahead, the company ...

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Looking ahead, the company ...</p>\n\n<a href=\"https://simplywall.st/stocks/us/banks/nasdaq-tcbk/trico-bancshares/news/trico-bancshares-tcbk-net-margins-hold-firm-reinforcing-qual\">Source Link</a>\n\n</div>\n","source":"simplywall_highlight","html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>TriCo Bancshares (TCBK) Net Margins Hold Firm, Reinforcing Quality Narrative Despite Modest Decline</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nTriCo Bancshares (TCBK) Net Margins Hold Firm, Reinforcing Quality Narrative Despite Modest Decline\n</h2>\n\n<h4 class=\"meta\">\n\n\n2025-10-24 22:30 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://simplywall.st/stocks/us/banks/nasdaq-tcbk/trico-bancshares/news/trico-bancshares-tcbk-net-margins-hold-firm-reinforcing-qual><strong>Simply Wall St.</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>TriCo Bancshares (TCBK) reported net profit margins of 28.6%, slipping slightly from 29.2% a year ago. Over the past five years, earnings have grown at a 6.9% annual rate. Looking ahead, the company ...</p>\n\n<a href=\"https://simplywall.st/stocks/us/banks/nasdaq-tcbk/trico-bancshares/news/trico-bancshares-tcbk-net-margins-hold-firm-reinforcing-qual\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"TCBK","symbol_name":"TriCo Bancshares","start_time":0,"source_url":"https://simplywall.st/stocks/us/banks/nasdaq-tcbk/trico-bancshares/news/trico-bancshares-tcbk-net-margins-hold-firm-reinforcing-qual","article_id":"2578541596","we_media_id":null,"thumbnails":["https://images.simplywall.st/asset/industry/7013000-choice1-main-header/1585186561056"],"rights":{"source":"simplywall_highlight","url":"https://simplywall.st/stocks/us/banks/nasdaq-tcbk/trico-bancshares/news/trico-bancshares-tcbk-net-margins-hold-firm-reinforcing-qual","rn_cache_url":null,"directOrigin":true},"url":"https://stock-news.laohu8.com/highlight/detail?id=2578541596","pubTimestamp":1761316223,"columns":[],"sourceInfo":{"source_id":"simplywall_highlight","name":"Simply Wall St."},"weMediaInfo":null,"summary":"TriCo Bancshares (TCBK) reported net profit margins of 28.6%, slipping slightly from 29.2% a year ago. Over the past five years, earnings have grown at a 6.9% annual rate. Looking ahead, the company forecasts approximately 7.2% yearly earnings growth, which is notably below the broader US market’s projected 15.5% pace. For investors, the story is shaped by solid earnings quality, constructive valuation signals, and the absence of any identified risks in the latest statements.\nSee our full...","collect":0,"end_time":0,"defaultTopTitle":"simplywall.st","property":[],"viewcount":null,"language":"en","relate_stocks":{"TCBK":"TriCo Bancshares","BK4211":"区域性银行"},"translate_title":"TriCo Bancshares(TCBK)净利润保持坚挺，尽管略有下降，但仍强化了质量叙事","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"TCBK":1.5},"content_text":"TriCo Bancshares (TCBK) reported net profit margins of 28.6%, slipping slightly from 29.2% a year ago. Over the past five years, earnings have grown at a 6.9% annual rate. Looking ahead, the company forecasts approximately 7.2% yearly earnings growth, which is notably below the broader US market’s projected 15.5% pace. For investors, the story is shaped by solid earnings quality, constructive valuation signals, and the absence of any identified risks in the latest statements. See our full analysis for TriCo Bancshares. Now let’s see how these headline figures stack up against the narratives circulating in the market, where some expectations are validated and others might be put to the test. Curious how numbers become stories that shape markets? Explore Community Narratives NasdaqGS:TCBK Earnings & Revenue History as at Oct 2025 AdvertisementNet Margins Stay Strong Despite Small Dip  Net profit margin came in at 28.6%, holding up well even as it edged down from last year’s 29.2% mark. This shows TriCo’s underlying profitability remains robust against sector headwinds. Prevailing market analysis highlights steady net interest margins and consistent credit quality as key strengths. Investors often regard such stability as a standout advantage in today’s more volatile banking environment.\n     Margin resilience, at a time when many regional banks face pressure from rising funding costs, strengthens the argument for TriCo as a relative “safe harbor.” The absence of any flagged risks in filings supports the notion that profit quality is a real differentiator amid sector turbulence.    Pace of Growth Trails Market Averages  While TriCo’s five-year earnings growth averaged 6.9% per year and future guidance points to 7.2% annual growth, these rates fall far below the projected 15.5% annual pace for the broader US market. According to the prevailing market view, this moderate growth outlook may temper near-term optimism even though it comes with high-quality earnings.\n     Investors weighing TriCo’s steady track record are also considering whether its slower forecasted growth leaves it out of favor compared to rapidly growing peers. The tradeoff between stable profits and below-market growth could make sentiment more sensitive to any future management guidance or sector news that shifts expectations.    Valuation Discounts Relative to Peers and Fair Value  Shares are trading at a Price-to-Earnings ratio of 12.5x, which is above the US banks industry average of 11.3x but below the peer group average of 13.5x. The current price of $43.05 also sits materially beneath the DCF fair value estimate of $66.14. The prevailing market perspective sees this combination of peer-relative discount and margin to DCF fair value as a notable opportunity, though market caution still lingers within the regional banking space.\n     Investors who focus on valuation may find TriCo compelling, especially since no major risks or red flags have surfaced in recent filings. However, ongoing sector challenges mean that even discounted valuations can be slow to re-rate unless broader confidence improves.     Next Steps Don't just look at this quarter; the real story is in the long-term trend. We've done an in-depth analysis on TriCo Bancshares's growth and its valuation to see if today's price is a bargain. Add the company to your watchlist or portfolio now so you don't miss the next big move. See What Else Is Out There TriCo’s slower expected earnings growth lags significantly behind broader market averages, which may leave growth-focused investors unsatisfied. Seeking bigger potential? Check out high growth potential stocks screener (54 results) to discover established companies forecasted to deliver much higher earnings growth over the coming years.  This article by Simply Wall St is general in nature. We provide commentary based on historical data\n    and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your\n    financial situation. We aim to bring you long-term focused analysis driven by fundamental data.\n    Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material.\n    Simply Wall St has no position in any stocks mentioned.Valuation is complex, but we're here to simplify it.Discover if TriCo Bancshares might be undervalued or overvalued with our detailed analysis, featuring fair value estimates, potential risks, dividends, insider trades, and its financial condition.Access Free AnalysisHave feedback on this article? Concerned about the content? Get in touch with us directly. Alternatively, email editorial-team@simplywallst.com","kind":"highlight","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"0","news_tag":"","news_rank":0,"symbols":[],"gpt_button":0,"need_auth":false,"code":"91000000","status":"200"},"commentList":[],"isCommentEnd":true,"newsSizeData":{"likeSize":0,"commentSize":0,"repostSize":0,"favoriteSize":0,"likeStatus":false,"favoriteStatus":false},"APP":{"userAgent":"Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; +claudebot@anthropic.com)","isDev":false,"isTTM":true,"deviceId":"web-server-community-laohu8-v3","version":"4.35.12","shortVersion":"4.35.12","platform":"web","vendor":"web","appName":"ttm","isIOS":false,"isAndroid":false,"isTiger":false,"isTHS":false,"isWeiXin":false,"isWeiXinMini":false,"isWeiBo":false,"isQQ":false,"isBaiduSwan":false,"isBaiduBox":false,"isDingTalk":false,"isToutiao":false,"isOnePlus":false,"isHuaWei":false,"isXiaomi":false,"isXiaomiWebView":false,"isOppo":false,"isVivo":false,"isSamsung":false,"isMobile":false},"href":"/m/news/2578541596","isCrawlerRequest":true}