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Trico Bancshares TCBK Q4 2025 Annual earnings

Reported January 22, 2026 · Before market open

Revenue$109.4MBeat by $1.2M
EPS$1.03Beat by $0.02
Revenue estimate$108.2M
EPS estimate$1.01

Next report

Oct 22, 2026 (in 3 months)
Revenue estimate$114.5M
EPS estimate$1.08

Financials

Q4 2025

Income statement

See full
Revenue$109.4M+9.0%
Net income$33.6M+15.8%
EPS (diluted)$1.03+17.0%

Balance sheet

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Cash & equivalents$157.0M+8.3%
Total debt$27.3M+7.2%
Total equity$1.3B+8.8%
Total assets$9.8B+1.5%

Cash flow

See full
Operating cash flow$34.5M+42.2%
CapEx$777.0K-40.6%
Free cash flow$33.7M+46.9%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$1.54B+6.8%
Enterprise value$1.41B+6.6%
P/E12.7×+0.1×
P/S3.7×0.0×

Profitability

See full
Net margin29%0.0pp
FCF margin30.5%+4.0pp

Returns & leverage

See full
Return on equity9.5%-0.1pp
Debt / equity0×0.0×

Segments

By product

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ATM and interchange fees$6.4M+0.7%
Service charges on deposit accounts$5.4M+9.1%
Other service fees$1.4M+0.5%
Mortgage banking service fees$429.0K-1.2%
Change in value of mortgage servicing rights-$263.0K-2,092%

By segment

See full
Reportable segment$137.3M+3.2%

Versus estimates

Revenue

Q2 2026$111.9MBeat by $887.4KQ1 2026$108.3MIn line
Q4 2025$109.4MBeat by $1.2M
Q3 2025$105.7MMiss by $2.6MQ2 2025$101.8MMiss by $1.6MQ1 2025$96.8MMiss by $2.8M

Diluted EPS

Q2 2026$1.06Beat by $0.03Q1 2026$1.04Beat by $0.07
Q4 2025$1.03Beat by $0.02
Q3 2025$1.04Beat by $0.12Q2 2025$0.84Beat by $0.02Q1 2025$0.80Beat by $0.02

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Questions, answered.

When did Trico Bancshares report Q4 2025 earnings?
Trico Bancshares (TCBK) reported Q4 2025 earnings on January 22, 2026 before market open.
What were Trico Bancshares's Q4 2025 revenue and EPS?
Trico Bancshares reported revenue of $109.4M and eps of $1.03 for Q4 2025.
Did Trico Bancshares beat estimates in Q4 2025?
Revenue beat the consensus estimate of $108.2M by $1.2M. EPS beat the consensus estimate of $1.01 by $0.02.
How did Trico Bancshares's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 16.7% from $131.4M a year earlier and eps grew 17.6% from $0.88.
Where can I find Trico Bancshares's Q4 2025 SEC filings?
You can read the 8-K earnings release (0000356171-26-000003) and the 10-K periodic report (0000356171-26-000010) directly on SEC EDGAR. The filing index links above go to sec.gov.