TriCo Bancshares (TCBK)

TriCo Bancshares' stock has risen by 10.3% since the beginning of the year, with analysts holding a "Hold" consensus rating and an average price target of $55.75. Several analysts raised their price targets in late January and early February 2026. The company announced strong fourth-quarter 2025 earnings and authorized a new share repurchase program in January 2026. In June 2025, TriCo Bancshares announced a strategic restructuring of its business and commercial management teams.

The banking industry, including TriCo Bancshares, experiences seasonality in new loan volumes, with lower demand in January and February, increasing in March, peaking in August or September, and declining towards December; tax planning activities around March also contribute to seasonal demand, influenced by fluctuations in interest rates.

TriCo Bancshares, established in 1975 and based in California, operates as the bank holding company for Tri Counties Bank, offering a range of personal, small business, and commercial financial services, including deposit accounts and various loan products, with net interest income as its primary revenue source.

TriCo Bancshares operates primarily through Tri Counties Bank in Northern and Central California, with headquarters in Chico and corporate offices in Roseville, South San Francisco, and Bakersfield; it also provides online and mobile banking and access to a shared ATM network.

TriCo Bancshares, through Tri Counties Bank, has a positive brand reputation, emphasizing "Service with Solutions®" and local decision-making. The company has been recognized as among the "Top Workplaces" and "Best Banks." KBRA affirmed its ratings for TriCo Bancshares in August 2024, citing a robust funding profile, consistent earnings performance, and a conservative credit culture.

TriCo Bancshares has significant institutional ownership, with 389 institutional owners holding 28,043,469 shares, including major shareholders like Fmr Llc, BlackRock, Inc., and Vanguard Group Inc., which holds 5.92% of the shares. CEO Rick Smith directly owns 0.99% of the company's shares, valued at approximately $16.68 million, and other individual insiders also own company stock.