TriCo Bancshares (NASDAQ: TCBK) is one of 211 public companies in the “Commercial Banks” industry, but how does it weigh in compared to its peers? We will compare TriCo Bancshares to related businesses based on the strength of its dividends, profitability, valuation, risk, earnings, analyst recommendations and institutional ownership.

Profitability

This table compares TriCo Bancshares and its peers’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
TriCo Bancshares 21.87% 10.27% 1.11%
TriCo Bancshares Competitors 20.70% 8.82% 0.94%

Insider and Institutional Ownership

68.5% of TriCo Bancshares shares are held by institutional investors. Comparatively, 46.4% of shares of all “Commercial Banks” companies are held by institutional investors. 9.1% of TriCo Bancshares shares are held by insiders. Comparatively, 11.7% of shares of all “Commercial Banks” companies are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.

Valuation and Earnings

This table compares TriCo Bancshares and its peers gross revenue, earnings per share (EPS) and valuation.

Gross Revenue NetIncome Price/Earnings Ratio
TriCo Bancshares $218.27 million $44.81 million 18.57
TriCo Bancshares Competitors $341.18 million $71.82 million 20.95

TriCo Bancshares’ peers have higher revenue and earnings than TriCo Bancshares. TriCo Bancshares is trading at a lower price-to-earnings ratio than its peers, indicating that it is currently more affordable than other companies in its industry.

Risk and Volatility

TriCo Bancshares has a beta of 0.92, suggesting that its stock price is 8% less volatile than the S&P 500. Comparatively, TriCo Bancshares’ peers have a beta of 0.74, suggesting that their average stock price is 26% less volatile than the S&P 500.

Dividends

TriCo Bancshares pays an annual dividend of $0.68 per share and has a dividend yield of 1.7%. TriCo Bancshares pays out 31.6% of its earnings in the form of a dividend. As a group, “Commercial Banks” companies pay a dividend yield of 1.9% and pay out 35.0% of their earnings in the form of a dividend.

Analyst Ratings

This is a breakdown of recent ratings and target prices for TriCo Bancshares and its peers, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
TriCo Bancshares 0 1 1 0 2.50
TriCo Bancshares Competitors 361 2851 2309 66 2.37

TriCo Bancshares presently has a consensus target price of $37.00, indicating a potential downside of 7.34%. As a group, “Commercial Banks” companies have a potential upside of 9.29%. Given TriCo Bancshares’ peers higher probable upside, analysts clearly believe TriCo Bancshares has less favorable growth aspects than its peers.

Summary

TriCo Bancshares beats its peers on 8 of the 15 factors compared.

About TriCo Bancshares

TriCo Bancshares is a bank holding company. The Company’s principal subsidiary is Tri Counties Bank, a California-chartered commercial bank (the Bank). The Bank offers banking services to retail customers and small to medium-sized businesses through 68 branch offices in Northern and Central California. As of December 31, 2016, the Bank was engaged in the general commercial banking business in 26 counties in Northern and Central California. The Bank operated from 58 traditional branches and 10 in-store branches, as of December 31, 2016. The Bank conducts a commercial banking business, including accepting demand, savings and time deposits and making commercial, real estate, and consumer loans. It also offers installment note collection, issues cashier’s checks, sells travelers checks and provides safe deposit boxes and other customary banking services.

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