TCBK

TriCo Bancshares

Financial Services · $1.7B market cap

Verdict

Share price

$52.59

close of Oct 3, 2026

Fair value

$86.19

Sticker Price

Payback Price

$34.47

buy price

Undervalued

TCBK is Undervalued: at $52.59 it trades 39% below its fair value of $86.19. Its buy price (Payback Price) is $34.47, 34% below today's price. Business quality is mixed: 2 of 5 key numbers clear the 10% bar.

How we valued it

Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.

Business quality

2 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth13.4% a year✓
Equity per share growth7.6% a year✗
Sales growth8.7% a year✗
Free cash flow growth10.2% a year✓
Return on invested capital7.0%✗

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Insider activity

Since Jun 12, 2026: no open-market purchases and 36 other filings (stock awards, tax withholding and similar). Why purchases matter

Other filings

BAILEY DANIEL K

EVP Chief Banking Officer · 2026-06-25

Option exercise

4,373 shares

BAILEY DANIEL K

EVP Chief Banking Officer · 2026-06-25

Tax withholding

$150K

BAILEY DANIEL K

EVP Chief Banking Officer · 2026-06-25

Option exercise

4,782 shares

SMITH RICHARD P

CEO & President · 2026-06-25

Option exercise

13,271 shares

SMITH RICHARD P

CEO & President · 2026-06-25

Tax withholding

$456K

Show all 36 other filings

SMITH RICHARD P

CEO & President · 2026-06-25

Option exercise

14,513 shares

Rudd Angela Tamara

Chief Risk Officer · 2026-06-25

Option exercise

667 shares

Rudd Angela Tamara

Chief Risk Officer · 2026-06-25

Tax withholding

$13K

Rudd Angela Tamara

Chief Risk Officer · 2026-06-25

Option exercise

729 shares

Gehlmann Gregory A

SVP General Counsel · 2026-06-25

Option exercise

2,630 shares

Gehlmann Gregory A

SVP General Counsel · 2026-06-25

Tax withholding

$90K

Gehlmann Gregory A

SVP General Counsel · 2026-06-25

Option exercise

2,876 shares

Wiese Peter G

EVP Chief Financial Officer · 2026-06-25

Option exercise

5,724 shares

Wiese Peter G

EVP Chief Financial Officer · 2026-06-25

Tax withholding

$196K

Wiese Peter G

EVP Chief Financial Officer · 2026-06-25

Option exercise

6,259 shares

CARNEY CRAIG B

EVP Chief Credit Officer · 2026-06-25

Option exercise

4,171 shares

CARNEY CRAIG B

EVP Chief Credit Officer · 2026-06-25

Tax withholding

$143K

CARNEY CRAIG B

EVP Chief Credit Officer · 2026-06-25

Option exercise

4,561 shares

Levingston Jason Todd

Chief Information Officer · 2026-06-25

Tax withholding

$50K

Levingston Jason Todd

Chief Information Officer · 2026-06-25

Option exercise

1,604 shares

Levingston Jason Todd

Chief Information Officer · 2026-06-25

Option exercise

1,467 shares

Giese Cory W

director · 2026-06-19

J-Other

426,838 shares

Wiese Peter G

EVP Chief Financial Officer · 2026-06-12

Tax withholding

$58K

Wiese Peter G

EVP Chief Financial Officer · 2026-06-12

Option exercise

2,104 shares

SMITH RICHARD P

CEO & President · 2026-06-12

Tax withholding

$151K

SMITH RICHARD P

CEO & President · 2026-06-12

Option exercise

4,879 shares

CARNEY CRAIG B

EVP Chief Credit Officer · 2026-06-12

Tax withholding

$47K

CARNEY CRAIG B

EVP Chief Credit Officer · 2026-06-12

Option exercise

1,534 shares

Gehlmann Gregory A

SVP General Counsel · 2026-06-12

Tax withholding

$30K

Gehlmann Gregory A

SVP General Counsel · 2026-06-12

Option exercise

967 shares

BAILEY DANIEL K

EVP Chief Banking Officer · 2026-06-12

Tax withholding

$50K

BAILEY DANIEL K

EVP Chief Banking Officer · 2026-06-12

Option exercise

1,608 shares

Rudd Angela Tamara

Chief Risk Officer · 2026-06-12

Tax withholding

$4K

Rudd Angela Tamara

Chief Risk Officer · 2026-06-12

Option exercise

245 shares

Levingston Jason Todd

Chief Information Officer · 2026-06-12

Tax withholding

$17K

Levingston Jason Todd

Chief Information Officer · 2026-06-12

Option exercise

539 shares

About TriCo Bancshares

TriCo Bancshares functions as the parent company for Tri Counties Bank, delivering a full spectrum of commercial banking services to both individual clients and corporate entities. The institution accommodates various deposit types, including checking, savings, and term accounts. Its lending portfolio is comprehensive, featuring financing for small businesses, a range of real estate mortgages (encompassing…

Banks - Regional

Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works