TriCo Bancshares (TCBK) Reports Q4 EPS of $1.03 with 2.97% Net Interest Income Growth
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jan 22 2026
0mins
Should l Buy TCBK?
Source: seekingalpha
- Earnings Performance: TriCo Bancshares reported a Q4 GAAP EPS of $1.03, indicating stable profitability and bolstering investor confidence in the company's financial health.
- Net Interest Income Growth: The net interest income (FTE) reached $92.5 million, an increase of $2.7 million or 2.97% over the prior quarter, demonstrating the company's ongoing potential for revenue growth from interest.
- Loan Balance Increase: Loan balances rose by $104.3 million or 6.0% annualized from the previous quarter and increased by $342.6 million from the same quarter last year, reflecting strong demand in the credit market.
- Deposit Balance Changes: Deposit balances decreased by $70.6 million or 3.4% annualized from the prior quarter but increased by $176.3 million from the same quarter last year, indicating both challenges and opportunities in the company's deposit management.
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Analyst Views on TCBK
Wall Street analysts forecast TCBK stock price to fall over the next 12 months. According to Wall Street analysts, the average 1-year price target for TCBK is 50.00 USD with a low forecast of 46.00 USD and a high forecast of 57.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
4 Analyst Rating
2 Buy
2 Hold
0 Sell
Moderate Buy
Current: 51.960
Low
46.00
Averages
50.00
High
57.00
Current: 51.960
Low
46.00
Averages
50.00
High
57.00
About TCBK
TriCo Bancshares is a bank holding company. The Company’s principal business is to serve as the holding company for its subsidiary, Tri Counties Bank, a California-chartered commercial bank (the Bank). 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, including safe deposit boxes at some branches. The Bank offers a variety of banking and financial services to both personal, small business and commercial customers. Brokerage services are provided at the Bank’s offices by Tri Counties Wealth Management Advisors. In addition, it has five capital trusts, which are all wholly owned trust subsidiaries formed for the purpose of issuing trust preferred securities (Trust Preferred Securities) and lending the proceeds to the Company.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
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DA Davidson Raises TriCo Bancshares (TCBK) Price Target to $54, Maintains Neutral Rating
- Price Target Increase: DA Davidson raised the price target for TriCo Bancshares from $51 to $54, indicating analyst confidence in the company's future performance while maintaining a Neutral rating, reflecting a cautious market outlook.
- Loan Production Growth: The analyst noted significant increases in loan production for TriCo in Q4, driving performance growth and laying the groundwork for sustained development into 2026, suggesting strong competitive potential in the market.
- Margin Improvement: The increase in loan production has also led to a noticeable lift in TriCo's margins, enhancing profitability and providing funding support for future investments and expansions, indicating a healthy financial status.
- Stable Credit Quality: DA Davidson emphasized that TriCo's credit quality remains sound, with evident expense control in 2025, showcasing effective management of costs and risks, which helps bolster investor confidence.
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- TriCo Bancshares Upgrade: DA Davidson raised the price target for TriCo Bancshares from $51 to $54, keeping a Neutral rating, which reflects recognition of the company's stable performance.
- Texas Capital Bancshares Target Increase: RBC Capital raised the price target for Texas Capital Bancshares from $105 to $110 while maintaining a Sector Perform rating, suggesting analysts' optimism about its future profitability.
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TriCo Bancshares (TCBK) Reports Q4 EPS of $1.03 with 2.97% Net Interest Income Growth
- Earnings Performance: TriCo Bancshares reported a Q4 GAAP EPS of $1.03, indicating stable profitability and bolstering investor confidence in the company's financial health.
- Net Interest Income Growth: The net interest income (FTE) reached $92.5 million, an increase of $2.7 million or 2.97% over the prior quarter, demonstrating the company's ongoing potential for revenue growth from interest.
- Loan Balance Increase: Loan balances rose by $104.3 million or 6.0% annualized from the previous quarter and increased by $342.6 million from the same quarter last year, reflecting strong demand in the credit market.
- Deposit Balance Changes: Deposit balances decreased by $70.6 million or 3.4% annualized from the prior quarter but increased by $176.3 million from the same quarter last year, indicating both challenges and opportunities in the company's deposit management.
See More
TriCo Bancshares Reports 15.8% Increase in Net Income to $33.6 Million for 2025
- Significant Net Income Growth: TriCo Bancshares reported a net income of $33.6 million for 2025, reflecting a 15.8% year-over-year increase, demonstrating the company's strong profitability amidst economic challenges and boosting investor confidence.
- Interest Income Increase: Despite recent cuts in the federal funds rate, TriCo's net interest income rose to $92.2 million, a 3.0% quarter-over-quarter increase, indicating effective asset-liability management in a changing interest rate environment.
- Loan and Asset Quality Improvement: As of December 31, 2025, total loans reached $7.11 billion, up 5.1% year-over-year, while the classified loan ratio decreased to 1.78%, reflecting effective credit risk management measures by the company.
- Shareholder Return Program: The company's board approved a share repurchase program for up to 2 million shares, representing an estimated total value of $97.1 million, showcasing confidence in future growth and commitment to shareholders.
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TriCo Bancshares Reports $33.6M Net Income in Q4, 6% Loan Growth
- Net Income Performance: TriCo Bancshares reported a net income of $33.6 million for Q4 2025, translating to a diluted earnings per share of $1.03, reflecting a slight 1.1% decline from the previous quarter but a robust 15.8% increase year-over-year, demonstrating resilience amid economic challenges.
- Interest Income Growth: The net interest income reached $92.5 million, marking a 2.97% increase quarter-over-quarter, with the net interest margin rising to 4.02%, indicating effective management of income and costs in a changing interest rate environment.
- Loan and Deposit Dynamics: Loan balances increased by $104.3 million, representing an annualized growth rate of 6%, while deposit balances decreased by $70.6 million, reflecting challenges in deposit management against a backdrop of strong loan demand.
- Credit Loss Reserves: The provision for credit losses was $3.0 million in Q4, significantly up by 347.8% from the previous quarter, reflecting a cautious approach to potential credit risks, although overall asset quality remained stable.
See More
Wall Street Analysts Adjust Ratings on Key Stocks
- SLB Price Target Increase: B of A Securities raised the price target for SLB NV from $50 to $55, with analyst Chase Mulvehill maintaining a Buy rating, indicating confidence in the company's future growth, as SLB shares closed at $49.15 on Friday.
- Meta Rating Upgrade: Rothschild & Co increased the price target for Meta Platforms from $740 to $900 and upgraded the rating from Neutral to Buy, reflecting optimism about its long-term growth potential, with Meta shares closing at $658.76 on Friday.
- Cisco Price Target Boost: Evercore ISI Group raised Cisco Systems' price target from $80 to $100, with analyst Amit Daryanani upgrading the rating from In-Line to Outperform, suggesting positive expectations for its market performance, as Cisco shares closed at $74.59 on Friday.
- Microsoft Price Target Cut: B of A Securities lowered Microsoft's price target from $640 to $520, yet analyst Brad Sills maintained a Buy rating, demonstrating ongoing confidence in the company's fundamentals, with Microsoft shares closing at $465.95 on Friday.
See More
DA Davidson Raises TriCo Bancshares (TCBK) Price Target to $54, Maintains Neutral Rating
- Price Target Increase: DA Davidson raised the price target for TriCo Bancshares from $51 to $54, indicating analyst confidence in the company's future performance while maintaining a Neutral rating, reflecting a cautious market outlook.
- Loan Production Growth: The analyst noted significant increases in loan production for TriCo in Q4, driving performance growth and laying the groundwork for sustained development into 2026, suggesting strong competitive potential in the market.
- Margin Improvement: The increase in loan production has also led to a noticeable lift in TriCo's margins, enhancing profitability and providing funding support for future investments and expansions, indicating a healthy financial status.
- Stable Credit Quality: DA Davidson emphasized that TriCo's credit quality remains sound, with evident expense control in 2025, showcasing effective management of costs and risks, which helps bolster investor confidence.
See More
Analysts Downgrade Abbott's Price Target to $125
- Price Target Cut: Bernstein lowered Abbott Laboratories' price target from $154 to $125 while maintaining an Outperform rating, indicating cautious sentiment regarding the company's future growth prospects.
- TriCo Bancshares Upgrade: DA Davidson raised the price target for TriCo Bancshares from $51 to $54, keeping a Neutral rating, which reflects recognition of the company's stable performance.
- Texas Capital Bancshares Target Increase: RBC Capital raised the price target for Texas Capital Bancshares from $105 to $110 while maintaining a Sector Perform rating, suggesting analysts' optimism about its future profitability.
- Meta Platforms Price Target Reduction: Wells Fargo cut Meta Platforms' price target from $795 to $754, despite maintaining an Overweight rating, indicating concerns about its short-term market performance.
See More
TriCo Bancshares (TCBK) Reports Q4 EPS of $1.03 with 2.97% Net Interest Income Growth
- Earnings Performance: TriCo Bancshares reported a Q4 GAAP EPS of $1.03, indicating stable profitability and bolstering investor confidence in the company's financial health.
- Net Interest Income Growth: The net interest income (FTE) reached $92.5 million, an increase of $2.7 million or 2.97% over the prior quarter, demonstrating the company's ongoing potential for revenue growth from interest.
- Loan Balance Increase: Loan balances rose by $104.3 million or 6.0% annualized from the previous quarter and increased by $342.6 million from the same quarter last year, reflecting strong demand in the credit market.
- Deposit Balance Changes: Deposit balances decreased by $70.6 million or 3.4% annualized from the prior quarter but increased by $176.3 million from the same quarter last year, indicating both challenges and opportunities in the company's deposit management.
See More
TriCo Bancshares Reports 15.8% Increase in Net Income to $33.6 Million for 2025
- Significant Net Income Growth: TriCo Bancshares reported a net income of $33.6 million for 2025, reflecting a 15.8% year-over-year increase, demonstrating the company's strong profitability amidst economic challenges and boosting investor confidence.
- Interest Income Increase: Despite recent cuts in the federal funds rate, TriCo's net interest income rose to $92.2 million, a 3.0% quarter-over-quarter increase, indicating effective asset-liability management in a changing interest rate environment.
- Loan and Asset Quality Improvement: As of December 31, 2025, total loans reached $7.11 billion, up 5.1% year-over-year, while the classified loan ratio decreased to 1.78%, reflecting effective credit risk management measures by the company.
- Shareholder Return Program: The company's board approved a share repurchase program for up to 2 million shares, representing an estimated total value of $97.1 million, showcasing confidence in future growth and commitment to shareholders.
See More
TriCo Bancshares Reports $33.6M Net Income in Q4, 6% Loan Growth
- Net Income Performance: TriCo Bancshares reported a net income of $33.6 million for Q4 2025, translating to a diluted earnings per share of $1.03, reflecting a slight 1.1% decline from the previous quarter but a robust 15.8% increase year-over-year, demonstrating resilience amid economic challenges.
- Interest Income Growth: The net interest income reached $92.5 million, marking a 2.97% increase quarter-over-quarter, with the net interest margin rising to 4.02%, indicating effective management of income and costs in a changing interest rate environment.
- Loan and Deposit Dynamics: Loan balances increased by $104.3 million, representing an annualized growth rate of 6%, while deposit balances decreased by $70.6 million, reflecting challenges in deposit management against a backdrop of strong loan demand.
- Credit Loss Reserves: The provision for credit losses was $3.0 million in Q4, significantly up by 347.8% from the previous quarter, reflecting a cautious approach to potential credit risks, although overall asset quality remained stable.
See More
