A regional bank branch interior overlaid with a rising stock chart to represent earnings beat and dividend growth.
Chico, California, September 1, 2025
TriCo Bancshares reported quarterly results that exceeded expectations, with GAAP EPS of $0.84 and revenue of $103.61 million. The company raised its quarterly cash dividend to $0.36 per share and attracted renewed analyst interest, producing an average recommendation of Moderate Buy and a $47.60 average 12‑month target. Management added a senior Head of Wholesale Banking to strengthen commercial and treasury capabilities. Key metrics include a market cap near $1.48 billion, a P/E around 13.36, and institutional ownership above 59%. Investors will watch upcoming revenue, EPS trends, loan growth and net interest margin for further signals.
Key takeaways up front: TriCo Bancshares reported a second-quarter profit and revenue that topped expectations, raised its quarterly dividend, and saw several brokerages lift price targets. The company also named an experienced banker to lead its wholesale banking efforts. Market indicators show modest upside but also a conservative balance sheet that underpins the dividend increase.
TriCo Bancshares reported GAAP earnings per share of $0.84 for the quarter, beating the consensus estimate by a small margin. Revenue came in at $103.61 million, above analyst projections. Management declared a quarterly cash dividend of $0.36 per share, up from the prior quarterly payout of $0.33. The dividend is payable on September 19 to shareholders of record on September 5, representing an annualized payout of $1.44 and a yield near 3.2% at recent prices. The company reported a payout ratio of about 38.8%, consistent with a conservative distribution policy.
Among analysts covering the stock, the average recommendation is labeled as Moderate Buy, based on three buy ratings and two hold ratings. The mean 12-month price target from brokers is approximately $47.60. Several firms raised their targets following results and company updates, including a price objective lifted to $55 by one brokerage and modest increases by others. Shares traded in the low-to-mid $40 range after the report, with the most recent open near $45.42. The stock has a 52-week range from about $35.20 to $51.06, a price-to-earnings ratio near 13.4, and a beta of 0.64.
The bank holding company shows a conservative capital profile. Debt-to-equity sits around 0.09. Current and quick ratios are both reported at 0.86. Return on equity for the period was recorded at about 8.99%, while net margin held near 21.11%. Net interest income has been the dominant revenue driver, accounting for more than four-fifths of total revenue over recent years.
The organization operates through its community bank franchise, offering consumer, mortgage, commercial, agricultural and construction lending, along with deposit services and digital banking channels. Assets are reported near $10 billion. Institutional investors own a majority of the stock, with hedge funds and other institutions holding approximately 59.1% of outstanding shares. Several investment firms increased stakes during the quarter, with one notable investor more than quadrupling its position and others making smaller additions.
The company appointed a new Head of Wholesale Banking with more than 25 years of experience in lending and middle-market relationship management. The new executive will oversee teams across middle market, specialty banking, commercial and business banking, treasury management and merchant services. The hire reinforces the bank’s emphasis on expanding commercial relationships and fee-based services across its footprint.
Revenue grew modestly year over year, up roughly 5.9% for the quarter and delivering a multi-year compound annual growth rate near 5.4% over five years. However, more recent two-year annualized results show some pressure. Tangible book value per share has risen over time, with a reported acceleration over the past two years and a consensus forecast of further gains over the next 12 months.
For yield-focused investors, the dividend increase and conservative payout ratio may be reassuring. For growth-oriented investors, recent revenue trends and management moves to strengthen commercial banking capabilities will be key items to monitor. Analyst sentiment is mixed-to-positive, with price targets that imply some upside depending on execution and macro conditions.
The company reported earnings per share of $0.84 and revenue of $103.61 million, both slightly above analyst expectations.
Yes. The quarterly dividend was increased from $0.33 to $0.36 per share. It is payable on September 19 to holders of record as of September 5.
Analysts are mixed but generally favorable. The consensus recommendation is Moderate Buy, with an average 12-month target around $47.60 and several firms raising targets after the quarter.
The bank holding company shows conservative leverage with a low debt-to-equity ratio and a payout ratio under 40 percent. Return on equity and margins are moderate.
A veteran wholesale banking executive was hired to lead relationship teams in commercial and middle-market areas. This hire signals a focus on expanding commercial lending and fee-based services.
| Metric | Value |
|---|---|
| Quarterly EPS | $0.84 |
| Quarterly Revenue | $103.61 million |
| Quarterly Dividend | $0.36 per share |
| Dividend payable | September 19 (record date September 5) |
| Market cap | $1.48 billion |
| P/E ratio | 13.36 |
| 52-week range | $35.20 – $51.06 |
| Assets | Nearly $10 billion |
| ROE | 8.99% |
| Net margin | 21.11% |
| Institutional ownership | 59.11% |
| Payout ratio | 38.82% |
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