Financial Contrast: TriCo Bancshares (TCBK) versus The Competition

TriCo Bancshares (NASDAQ:TCBK) is one of 919 public companies in the “Banks” industry, but how does it weigh in compared to its rivals? We will compare TriCo Bancshares to similar companies based on the strength of its earnings, institutional ownership, dividends, valuation, analyst recommendations, profitability and risk.

Dividends

TriCo Bancshares pays an annual dividend of $1.44 per share and has a dividend yield of 2.7%. TriCo Bancshares pays out 33.4% of its earnings in the form of a dividend. As a group, “Banks” companies pay a dividend yield of 9.1% and pay out 28.9% of their earnings in the form of a dividend. TriCo Bancshares has raised its dividend for 12 consecutive years. TriCo Bancshares lags its rivals as a dividend stock, given its lower dividend yield and higher payout ratio.

Profitability

This table compares TriCo Bancshares and its rivals’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
TriCo Bancshares	25.10%	10.47%	1.41%
TriCo Bancshares Competitors	15.64%	9.43%	0.93%

Valuation & Earnings

This table compares TriCo Bancshares and its rivals gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Net Income	Price/Earnings Ratio
TriCo Bancshares	$438.28 million	$121.56 million	12.51
TriCo Bancshares Competitors	$37.92 billion	$2.42 billion	17.48

TriCo Bancshares’ rivals have higher revenue and earnings than TriCo Bancshares. TriCo Bancshares is trading at a lower price-to-earnings ratio than its rivals, indicating that it is currently more affordable than other companies in its industry.

Volatility and Risk

TriCo Bancshares has a beta of 0.67, suggesting that its stock price is 33% less volatile than the S&P 500. Comparatively, TriCo Bancshares’ rivals have a beta of 0.61, suggesting that their average stock price is 39% less volatile than the S&P 500.

Analyst Recommendations

This is a breakdown of recent ratings and price targets for TriCo Bancshares and its rivals, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
TriCo Bancshares	0	5	2	0	2.29
TriCo Bancshares Competitors	7465	30196	27763	1465	2.35

TriCo Bancshares presently has a consensus price target of $55.62, indicating a potential upside of 3.18%. As a group, “Banks” companies have a potential upside of 13.66%. Given TriCo Bancshares’ rivals stronger consensus rating and higher possible upside, analysts plainly believe TriCo Bancshares has less favorable growth aspects than its rivals.

Insider and Institutional Ownership

59.1% of TriCo Bancshares shares are held by institutional investors. Comparatively, 48.0% of shares of all “Banks” companies are held by institutional investors. 4.9% of TriCo Bancshares shares are held by insiders. Comparatively, 9.8% of shares of all “Banks” companies are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Summary

TriCo Bancshares rivals beat TriCo Bancshares on 10 of the 15 factors compared.

TriCo Bancshares Company Profile

TriCo Bancshares operates as a bank holding company for Tri Counties Bank that provides commercial banking services to individual and corporate customers. The company accepts demand, savings, and time deposits. It also provides small business loans; real estate mortgage loans, such as residential and commercial loans; consumer loans; mortgage, auto, other vehicle, and personal loans; commercial loans, including agricultural loans; and real estate construction loans. In addition, the company offers treasury management services; credit and debit cards; and other customary banking services, including safe deposit boxes; and independent financial and broker-dealer services. Further, it provides checking, saving, and money market accounts, as well as individual retirement accounts; equipment financing; certificate of deposit account registry service; certificated of deposit; and IntraFi cash service. TriCo Bancshares was founded in 1975 and is headquartered in Chico, California.