NASDAQ$TCBK

TriCo Bancshares · Q1 2024 earnings

Q1 2024 earnings · · Investor relations

Briefing

TriCo Bancshares reported a net income of $27.7 million and diluted EPS of $0.83 for Q1 2024.

TriCo Bancshares reported a net income of $27.7 million and diluted EPS of $0.83 for the first quarter of 2024. The company's deposit balances increased by $153.6 million, and the efficiency ratio improved to 57.36%.

  • Net income was $27.7 million, compared to $26.1 million in the trailing quarter.
  • Deposit balances increased $153.6 million or 7.8% (annualized) from the trailing quarter.
  • Average yield on earning assets was 5.13%, an increase of 4 basis points over the trailing quarter.
  • The efficiency ratio improved to 57.36%.

Headline financials

Total Revenue

$98.5M

Previous: $107M-7.9%
EPS

$0.83

Previous: $1.07-22.4%
ROAA

1.1%

Previous: 1.5%-23.1%
ROAE

9.5%

Previous: 13.4%-28.9%
Efficiency Ratio

57.4%

Previous: 50.3%+14.1%
Net Interest Margin

3.7%

Previous: 4.2%-12.6%
Net Interest Spread

2.9%

No prior period
NPA to Assets

0.4%

Previous: 0.2%+85.0%
ACL to Loans

1.8%

Previous: 1.7%+8.3%
Tier 1 Capital Ratio

13.2%

No prior period
Tier 1 Leverage Ratio

11.0%

No prior period
Total RBC Ratio

15.0%

No prior period
Capital Expenditures

-$1.03M

Previous: -$1.21M+15.3%
Free Cash Flow

$26.7M

Previous: $34.6M-22.8%
Net Income

$27.7M

Previous: $35.8M-22.6%
Operating Income

$42.7M

Previous: $74M-42.3%
Gross Profit

$94.5M

Previous: $103M-8.0%
Stock-Based Comp

$1.2M

Previous: $1.04M+15.1%

Revenue & EPS history

TriCo · Revenue · Quarterly

$98.5M

Q1 2024-7.9%vs Q1 2023
Beat estimate in 11 of 14 quarters(79%)
ActualEstimate

Revenue by segment

TriCo · $15.1M total across 2 segments · Q3 2020

  • Service Charges
    $10.5M
  • Other Income
    $4.66M

Forward guidance

Management expects that the incremental repricing of earning assets will provide an increasing level of benefit to revenues as the balance of 2024 unfolds.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q1 2024

Historical avgQ1 2024

+0.2%

Avg return

Earnings day

+0.0%

Avg return

5 days after

+2.5%

Avg return

30 days after

55%

36 / 66 earnings

Positive

+10.2%

Q1 2010

Best reaction

-7.0%

Q2 2016

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026+2.4%+2.4%+2.5%
Q4 2025+1.6%-3.1%-0.3%
Q3 2025+1.2%+4.0%+9.6%
Q2 2025-0.9%-2.1%+3.8%
Q1 2025+1.0%+0.0%+2.0%
Q4 2024+2.5%+3.3%+2.5%
Q3 2024-3.3%-0.5%+12.1%
Q2 2024+3.6%+1.7%-2.4%
Q1 2024-2.7%-0.1%+8.4%
Q4 2023-4.9%-2.9%-14.6%
Q3 2023+7.0%+6.1%+18.6%
Q2 2023-1.4%-1.8%-9.0%
Q1 2023-1.4%-5.2%-7.3%
Q4 2022+0.4%+2.0%+2.6%
Q3 2022+3.8%+11.8%+4.9%
Q2 2022+0.3%+0.7%+0.1%
Q1 2022-1.0%+5.2%+20.7%
Q4 2021-0.7%-3.7%-4.3%
Q3 2021-2.8%-2.1%+1.3%
Q2 2021-0.9%-1.8%-4.3%
Q1 2021+1.0%+3.0%+4.4%
Q4 2020-0.8%-2.3%+10.6%
Q3 2020-4.7%-4.9%+15.6%
Q2 2020-1.8%-3.9%-4.5%
Q1 2020-2.0%-6.7%-7.7%
Q4 2019-0.2%-2.7%-7.5%
Q3 2019+2.7%+2.2%+5.1%
Q2 2019+2.1%+1.2%-7.7%
Q1 2019-0.3%-0.2%-3.1%
Q4 2018+7.5%+6.8%+14.6%
Q3 2018+2.1%+4.1%+7.7%
Q2 2018+2.6%+1.8%+2.5%
Q1 2018+0.5%-1.5%+3.4%
Q4 2017-1.5%-0.7%-0.2%
Q3 2017-3.5%-4.1%+1.2%
Q2 2017+1.0%+2.7%+0.1%
Q1 2017-3.6%-3.4%-4.6%
Q4 2016+5.2%+5.9%+6.5%
Q3 2016-0.4%-0.7%+20.9%
Q2 2016-7.0%-9.2%-4.4%
Q1 2016+0.4%
Q4 2015+3.2%
Q3 2015+0.6%
Q2 2015+2.1%
Q1 2015-2.4%
Q4 2014-1.8%
Q3 2014+3.7%
Q2 2014-0.4%
Q1 2014+0.7%
Q4 2013-5.8%
Q3 2013+5.7%
Q2 2013+0.2%
Q1 2013-2.1%
Q4 2012-2.3%
Q3 2012+1.1%
Q2 2012-1.4%
Q1 2011+0.1%
Q1 2012+1.7%
Q4 2011+1.2%
Q4 2010+1.2%
Q4 2009+1.2%
Q3 2011+0.5%
Q2 2011-4.5%
Q2 2010-4.5%
Q3 2010+2.6%
Q1 2010+10.2%

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