TriCo Bancshares Financial Ratios — TCBK Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Return on Common Equity (%)	11.26	8.64	11.51	7.8	10.02	9.54	8.14	10.07	10.48	7.1	12.31	11.2	9.2	8.55	8.7
Return on Assets (%)	0.78	0.74	1.02	0.78	1.08	1.03	0.87	1.23	1.44	0.92	1.45	1.35	1.18	1.17	1.25
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	6.58	9.33	6.68	8.72	8.22	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	2.77	26.6	37.17	34.33	40.46	38.72	3.72	4.05	5.64	5.71	5.25	4.57	4.58	4.13	3.5
Operating Margin (%)	- -	23.31	33.63	30.16	36.88	34.94	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	-291.2	292.44	-1,852.2	-10.12	57.11	-1.84	-581.86	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	23.63	23.31	33.63	30.16	36.88	34.94	35.23	35.97	41.53	28.39	49.7	43.2	39.14	39.9	40.39
Profit Margin (%)	14.75	13.87	20.11	17.65	22.23	21.59	18.43	26.32	30.15	21.06	35.72	31.16	28.55	29.55	29.55
Net Income to Common Margin (%)	14.75	13.87	20.11	17.65	22.23	21.59	18.43	26.32	30.15	21.06	35.72	31.16	28.55	29.55	29.55
Effective Tax Rate (%)	37.58	40.52	40.18	41.48	39.74	38.21	47.68	26.81	27.4	25.8	28.13	27.88	27.04	25.94	26.84
Dvd Payout Ratio (%)	30.89	30.31	24.62	29.9	27.04	30.56	37.31	27.47	27.15	40.58	25.26	28.54	33.99	38	37.04
Sustainable Growth Rate (%)	7.78	6.02	8.67	5.47	7.31	6.63	5.1	7.31	7.63	4.22	9.2	8	6.07	5.3	5.47

Credit (USD)

API Chat

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Debt	72	60	48	66	69	92	196	89	122	139	185	443	795	216	80
ST Debt	9	9	- -	- -	- -	17	17	16	18	27	50	48	33	- -	- -
LT Debt	64	50	48	66	69	74	179	73	103	113	134	395	762	216	80
Total Debt/EBITDA	20.74	1.64	0.94	1.29	0.86	1.14	24.03	8.44	7.06	7.94	10.68	24.08	42.15	13.46	5.58
Net Debt/EBITDA	-162.07	-18.92	-10.75	-10.73	-2.94	-2.66	-1.1	-13.2	-10.58	-31.76	-35.31	16.67	35.42	2.85	-7.23
Total Debt/EBIT	- -	1.87	1.04	1.47	0.95	1.26	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	-21.59	-11.89	-12.22	-3.23	-2.95	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	8.32	8.71	9.08	10.73	10.75	10.74	10.73	13.31	14.09	11.95	11.6	12.49	13.25	14.2	14.48
Long-Term Debt/Equity (%)	29.47	21.99	18.96	15.67	15.22	15.54	35.39	8.81	11.39	12.16	13.44	37.71	65.7	17.71	6.04
Long-Term Debt/Capital (%)	22.38	17.58	16.04	13.49	13.16	12.85	25.3	7.8	9.99	10.69	11.36	23.45	36.16	13.6	5.34
Long-Term Debt/Total Assets (%)	2.5	1.93	1.73	1.67	1.63	1.64	3.76	1.15	1.6	1.47	1.56	3.97	7.69	2.24	0.82
Total Debt/Equity (%)	33.41	26	18.96	15.67	15.22	19.2	38.84	10.72	13.42	15.07	18.45	42.29	68.51	17.71	6.04
Total Debt/Capital (%)	25.38	20.79	16.04	13.49	13.16	15.89	27.77	9.5	11.77	13.25	15.59	26.3	37.7	13.6	5.34
Total Debt/Total Assets (%)	2.83	2.29	1.73	1.67	1.63	2.03	4.13	1.4	1.88	1.83	2.14	4.46	8.02	2.24	0.82
Net Debt to Equity	-261.03	-300.52	-216.96	-130.37	-51.9	-44.82	-1.77	-16.78	-20.12	-60.33	-61.01	29.27	57.56	3.75	-7.84
Net Debt/Capital (%)	160.35	149.17	180.46	436.83	-107.04	-78.86	-1.79	-19.65	-24.09	-145.82	-146.92	19.44	33.23	3.17	-7.73
EBITDA	3	36	51	51	80	80	8	11	17	18	17	18	19	16	14
EBITDA-CapEx	- -	26	42	46	74	69	-7	3	13	15	14	15	14	12	9
Operating Income (Loss)	- -	32	46	45	73	73	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

API Chat

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	8.32	8.71	9.08	10.73	10.75	10.74	10.73	13.31	14.09	11.95	11.6	12.49	13.25	14.2	14.48
Long-Term Debt/Equity (%)	29.47	21.99	18.96	15.67	15.22	15.54	35.39	8.81	11.39	12.16	13.44	37.71	65.7	17.71	6.04
Long-Term Debt/Capital (%)	22.38	17.58	16.04	13.49	13.16	12.85	25.3	7.8	9.99	10.69	11.36	23.45	36.16	13.6	5.34
Long-Term Debt/Total Assets (%)	2.5	1.93	1.73	1.67	1.63	1.64	3.76	1.15	1.6	1.47	1.56	3.97	7.69	2.24	0.82
Total Debt/Equity (%)	33.41	26	18.96	15.67	15.22	19.2	38.84	10.72	13.42	15.07	18.45	42.29	68.51	17.71	6.04
Total Debt/Capital (%)	25.38	20.79	16.04	13.49	13.16	15.89	27.77	9.5	11.77	13.25	15.59	26.3	37.7	13.6	5.34
Total Debt/Total Assets (%)	2.83	2.29	1.73	1.67	1.63	2.03	4.13	1.4	1.88	1.83	2.14	4.46	8.02	2.24	0.82
CFO/Total Liabilities	1.35	2.19	1.65	0.78	1.45	1.19	1.3	1.65	1.85	1.71	1.74	1.83	1.59	1.3	1.57
CFO/CapEx	9.45	4.82	4.94	5.88	9.99	4.41	3.65	12.35	23.95	40.83	41.37	44.96	28.43	24.07	24.86
Altman's Z-Score	0.18	0.24	0.3	0.22	0.27	0.29	0.25	0.22	0.27	0.21	0.22	0.24	0.23	0.25	0.26

Working Capital (USD)

API Chat

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Accounts Receivable Turnover	17.45	19.64	20.71	18.74	19.66	18.2	17.06	15.64	15.94	15.82	16.76	15.74	11.98	10.86	12.02
Days Sales Outstanding	20.91	18.59	17.62	19.48	18.57	20.06	21.4	23.33	22.89	23.07	21.77	23.19	30.46	33.6	30.37
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

API Chat

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Market Capitalization	227	268	455	438	624	780	867	1,028	1,244	1,049	1,277	1,700	1,429	1,446	1,548
- Cash & Cash Equivalents	637	749	598	611	303	306	205	228	277	670	768	107	99	145	157
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	72	60	48	66	69	92	196	89	122	139	185	443	795	216	80
Enterprise Value	-567	-584	-200	-191	-15	16	131	-226	139	-896	-1,515	-418	-27	-388	1,471
Total Capital	285	287	297	486	523	577	707	934	1,033	1,052	1,184	1,683	2,107	1,590	1,503
Total Debt/Capital (%)	25.38	20.79	16.04	13.49	13.16	15.89	27.77	9.5	11.77	13.25	15.59	26.3	37.7	13.6	5.34
Total Debt / EV	-0.13	-0.1	-0.24	-0.34	-4.5	5.88	1.51	-0.39	0.88	-0.16	-0.12	-1.06	-28.95	-0.56	0.05
EV/Sales	- -	- -	- -	- -	- -	0.08	0.59	- -	0.45	- -	- -	- -	- -	3.88	3.58
EV/EBITDA	- -	- -	- -	- -	- -	0.19	15.96	- -	8.06	- -	- -	- -	- -	93.94	102.23
EV/EBIT	- -	- -	- -	- -	- -	0.21	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	0.32	2.36	- -	1.35	- -	- -	- -	- -	13.76	11.03
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	0.26	1.85	- -	1.3	- -	- -	- -	- -	13.21	10.61
Diluted Market Cap	228	269	460	443	631	789	880	1,028	1,251	1,049	1,284	1,700	1,433	1,452	1,556
Diluted Enterprise Value	-337	-420	-91	-102	396	575	871	889	1,096	519	700	2,035	2,129	1,523	1,480
EV per Share	- -	- -	- -	- -	- -	0.68	5.7	- -	4.56	- -	- -	- -	- -	45.62	45.02
TTM Sales	126	137	136	148	197	208	220	260	305	308	329	403	411	389	411
TTM EBITDA	3	36	51	51	80	80	8	11	17	18	17	18	19	16	14
TTM Operating Income	- -	32	46	45	73	73	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	32	52	41	27	55	48	55	91	103	115	132	163	139	110	133
TTM Free Cash Flow to Firm	35	63	49	32	60	59	71	98	107	118	135	167	144	114	139

Multiples (USD)

API Chat

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Price/Free Cash Flow	6.5	4.28	9.3	13.8	10.46	13.34	12.48	10.44	11.68	8.92	9.48	10.21	9.97	12.71	11.22
EV/EBIT	- -	- -	- -	- -	- -	0.21	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-567	-584	-200	-191	-15	16	131	-226	139	-896	-1,515	-418	-27	-388	1,471
Low Price	11.5	14.22	15.64	21.56	22.44	23.47	32.66	31.05	33.41	23.05	34.43	37.41	28.66	31.73	35.2
EV/Sales	- -	- -	- -	- -	- -	0.08	0.59	- -	0.45	- -	- -	- -	- -	3.88	3.58
EV/EBITDA	- -	- -	- -	- -	- -	0.19	15.96	- -	8.06	- -	- -	- -	- -	93.94	102.23
Price/Earnings	12.22	14.1	16.61	16.76	14.25	17.4	21.39	15.04	13.51	16.18	10.85	13.55	12.18	12.59	12.73
Price/Earnings Average	12.47	13.32	12.25	16.44	12.9	13.86	20.89	16.82	12.55	14.09	10.98	12.27	10.95	11.63	11.53
Price/Earnings High	14.51	14.98	17.16	19.46	15.39	17.61	24.75	17.98	13.71	18.79	13.05	15.58	14.92	14.71	13.6
Price/Earnings Low	9.88	11.97	9.16	14.63	11.65	11.95	18.45	13.82	11.06	10.57	8.7	9.94	8.12	9.14	9.46
Price/Book Value	1.07	1.18	1.83	1.04	1.38	1.61	1.7	1.22	1.36	1.15	1.28	1.37	1.09	1.05	1.09
Price/Book Value Average	1.09	1.11	1.35	1.02	1.25	1.28	1.66	1.36	1.27	1	1.29	1.24	0.98	0.97	0.98
Price/Book Value High	1.27	1.25	1.89	1.21	1.49	1.63	1.96	1.45	1.38	1.33	1.54	1.58	1.33	1.23	1.16
Price/Book Value Low	0.86	1	1.01	0.91	1.12	1.1	1.46	1.12	1.12	0.75	1.02	1.01	0.73	0.76	0.81
Price/Tangible Book Value	1.17	1.3	2	1.29	1.67	1.96	2.02	1.78	1.88	1.53	1.66	2.34	1.69	1.59	1.52
Price/Tangible Book Value Average	1.2	1.22	1.48	1.27	1.51	1.56	1.97	1.99	1.75	1.33	1.68	2.12	1.52	1.47	1.37
Price/Tangible Book Value High	1.39	1.38	2.07	1.5	1.8	1.98	2.34	2.13	1.91	1.77	2	2.69	2.07	1.86	1.62
Price/Tangible Book Value Low	0.95	1.1	1.11	1.13	1.37	1.35	1.74	1.64	1.54	1	1.33	1.72	1.13	1.15	1.13
Price/Sales	1.8	1.96	3.34	2.96	3.17	3.76	3.94	3.96	4.07	3.41	3.88	4.22	3.48	3.72	3.76
Price/Sales Average	1.84	1.85	2.46	2.9	2.87	2.99	3.85	4.43	3.78	2.97	3.92	3.82	3.13	3.43	3.41
Price/Sales High	2.14	2.08	3.45	3.43	3.42	3.8	4.56	4.73	4.13	3.96	4.66	4.85	4.26	4.35	4.02
Price/Sales Low	1.46	1.66	1.84	2.58	2.59	2.58	3.4	3.64	3.33	2.23	3.11	3.1	2.32	2.7	2.8
Price/Cash Flow	7.18	5.14	11.08	15.96	11.39	16.17	15.66	11.29	12.1	9.14	9.66	10.43	10.29	13.18	11.61
Price/Cash Flow Average	7.32	4.86	8.17	15.66	10.31	12.88	15.3	12.62	11.24	7.95	9.77	9.45	9.26	12.17	10.51
Price/Cash Flow High	8.52	5.47	11.44	18.53	12.31	16.36	18.12	13.49	12.28	10.61	11.61	11.99	12.61	15.4	12.41
Price/Cash Flow Low	5.8	4.37	6.11	13.93	9.31	11.1	13.51	10.37	9.9	5.97	7.74	7.65	6.86	9.57	8.63
Price/Free Cash Flow Average	6.64	4.04	6.86	13.54	9.48	10.63	12.19	11.67	10.85	7.76	9.59	9.24	8.97	11.74	10.16
Price/Free Cash Flow High	7.72	4.55	9.61	16.02	11.31	13.5	14.44	12.48	11.85	10.36	11.4	11.73	12.22	14.85	11.99
Price/Free Cash Flow Low	5.26	3.63	5.13	12.04	8.56	9.16	10.76	9.59	9.56	5.83	7.6	7.49	6.65	9.23	8.34
EV/Sales Average	- -	- -	- -	- -	1.68	1.96	3.81	3.89	3.28	1.24	2.15	4.66	4.82	3.62	3.22
EV/Sales High	- -	- -	- -	- -	2.23	2.77	4.52	4.2	3.63	2.24	2.89	5.69	5.95	4.53	3.83
EV/Sales Low	- -	- -	- -	- -	1.4	1.55	3.36	3.1	2.83	0.5	1.33	3.93	4.01	2.88	2.61
EV/EBITDA Average	-95.56	-11.97	-4.25	-2.28	4.14	5.07	102.52	96.12	58.08	21.79	40.97	101.98	105.14	87.54	92.03
EV/EBITDA High	-84.69	-11.11	-1.59	-0.73	5.51	7.16	121.64	103.63	64.28	39.15	55.07	124.56	129.85	109.58	109.59
EV/EBITDA Low	-109.35	-12.68	-5.92	-3.21	3.46	4	90.43	76.63	50.11	8.83	25.43	86.09	87.49	69.78	74.6
EV/EBIT Average	- -	-13.66	-4.7	-2.6	4.55	5.62	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	-12.67	-1.76	-0.83	6.05	7.93	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	-14.47	-6.55	-3.66	3.79	4.43	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	14.22	16.75	28.37	24.7	27.44	34.18	37.86	33.79	40.81	35.28	42.96	50.99	42.97	43.7	47.37
High Price	16.88	17.8	29.3	28.68	29.65	34.59	43.8	40.38	41.42	40.97	51.66	58.62	52.66	51.06	50.61
Enterprise Value Average	-333	-436	-215	-116	331	407	838	1,010	1,001	383	708	1,874	1,982	1,407	1,324
Enterprise Value High	-295	-405	-81	-37	440	575	995	1,089	1,108	688	951	2,289	2,447	1,761	1,577
Enterprise Value Low	-381	-462	-300	-163	276	321	739	806	863	155	439	1,582	1,649	1,121	1,073

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Shares Outstanding	16	16	16	23	23	23	23	30	31	30	30	33	33	33	32
Diluted Weighted Avg Shares	16	16	16	18	23	23	23	30	31	30	30	33	33	33	33
Basic Weighted Avg Shares	16	16	16	18	23	23	23	30	30	30	30	33	33	33	33
Revenue per Share	7.89	8.57	8.49	8.35	8.67	9.1	9.6	8.53	10.02	10.35	11.08	12.08	12.36	11.75	12.59
EBITDA per Share	0.22	2.28	3.16	2.87	3.51	3.52	0.36	0.35	0.57	0.59	0.58	0.55	0.57	0.49	0.44
Operating Income per Share	- -	2	2.85	2.52	3.2	3.18	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	1.16	1.19	1.71	1.47	1.93	1.96	1.77	2.25	3.02	2.18	3.96	3.76	3.53	3.47	3.72
Basic EPS from Cont Ops	1.16	1.19	1.71	1.47	1.93	1.96	1.77	2.25	3.02	2.18	3.96	3.76	3.53	3.47	3.72
Diluted EPS, GAAP	1.16	1.18	1.69	1.46	1.91	1.94	1.74	2.25	3	2.18	3.94	3.76	3.52	3.46	3.7
Diluted EPS from Cont Ops	1.16	1.18	1.69	1.46	1.91	1.94	1.74	2.25	3	2.18	3.94	3.76	3.52	3.46	3.7
Dividend per Share	0.36	0.36	0.42	0.44	0.52	0.6	0.66	0.62	0.82	0.88	1	1.07	1.2	1.32	1.38
Cash Flow per Share	1.98	3.26	2.56	1.55	2.41	2.11	2.42	2.99	3.37	3.86	4.45	4.89	4.18	3.32	4.08
Free Cash Flow per Basic Share	1.77	2.58	2.04	1.28	2.17	1.63	1.76	2.75	3.23	3.77	4.34	4.78	4.03	3.18	3.92
Cash & Equivalents per Share	54.23	57.04	43.81	39.17	31.14	37.51	40.74	44.14	40.25	70.1	100.14	76.79	67.68	61.95	4.81
Book Value per Share	13.31	14.21	15.52	23.73	19.95	21.27	22.3	27.79	29.92	30.71	33.62	37.21	39.47	41.51	43.54
Tangible Book Value per Share	12.11	12.93	14.15	19.13	16.43	17.44	18.75	18.97	21.73	23.09	25.8	21.76	25.4	27.5	31.19

TriCo Bancshares

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)