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Trico Bancshares TCBK Q3 2025 earnings

Reported October 23, 2025 · Before market open

Revenue$105.7MMiss by $2.6M
EPS$1.04Beat by $0.12
Revenue estimate$108.2M
EPS estimate$0.92

Next report

Oct 22, 2026 (In 2 weeks)
Revenue estimate$114.6M
EPS estimate$1.09

Financials

Q3 2025

Income statement

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Revenue$107.6M+8.5%
Net income$34.0M+17.1%
EPS (diluted)$1.04+18.2%

Balance sheet

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Cash & equivalents$298.8M-6.7%
Total debt$27.7M+3.8%
Total equity$1.3B+5.3%
Total assets$9.9B+0.6%

Cash flow

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Operating cash flow$45.1M+57.8%
CapEx$1.9M+50.8%
Free cash flow$43.2M+58.1%

Valuation & ratios

Valuation

as of 09/30/25
See full
Market cap$1.45B+2.4%
Enterprise value$1.17B+5.0%
P/E12.4×-0.3×
P/S3.5×0.0×

Profitability

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Net margin28.5%+0.4pp
FCF margin28.6%-1.0pp

Returns & leverage

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Return on equity9.2%-0.5pp
Debt / equity0×0.0×

Segments

By product

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ATM and interchange fees$6.5M+0.3%
Service charges on deposit accounts$5.4M+9.4%
Other service fees$1.5M+21.3%
Mortgage banking service fees$430.0K-2.1%
Change in value of mortgage servicing rights-$105.0K+68.4%

By segment

See full
Reportable segment$138.0M+3.1%

FAQ

When did Trico Bancshares report Q3 2025 earnings?
Trico Bancshares (TCBK) reported Q3 2025 earnings on October 23, 2025 before market open.
What were Trico Bancshares's Q3 2025 revenue and EPS?
Trico Bancshares reported revenue of $105.7M and eps of $1.04 for Q3 2025.
Did Trico Bancshares beat estimates in Q3 2025?
Revenue missed the consensus estimate of $108.2M by $2.6M. EPS beat the consensus estimate of $0.92 by $0.12.
How did Trico Bancshares's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 8.5% from $97.4M a year earlier and eps grew 18.2% from $0.88.
Where can I find Trico Bancshares's Q3 2025 SEC filings?
You can read the 8-K earnings release (0000356171-25-000069) and the 10-Q periodic report (0000356171-25-000079) directly on SEC EDGAR. The filing index links above go to sec.gov.