NASDAQ$TCBK

TriCo Bancshares · Q2 2023 earnings

Q2 2023 earnings · · Investor relations

Briefing

Announced second quarter 2023 results, with net income of $24.9 million and diluted earnings per share of $0.75.

TriCo Bancshares reported a net income of $24.9 million for the quarter ended June 30, 2023, compared to $31.4 million for the same quarter last year. Diluted earnings per share were $0.75 for the second quarter of 2023, compared to $0.93 during the second quarter of 2022.

  • Net income was $24.9 million, compared to $31.4 million in the same quarter of the prior year.
  • Loan balances increased by $98.3 million, or 6.1% (annualized) versus the prior quarter, and deposit balances increased by $69.5 million, or 3.5% (annualized) versus the prior quarter.
  • Average yield on earning assets was 4.78%, an increase of 14 basis points over the trailing quarter.
  • Net interest margin was 3.96%, a change of 25 basis points from the trailing quarter.

Headline financials

Total Revenue

$104M

Previous: $101M+2.8%
EPS (adj)

$0.75

Previous: $0.93-19.4%
Efficiency Ratio

58.7%

Previous: 55.5%+5.8%
Net Interest Margin

4.0%

Previous: 3.6%+10.9%
NPA to Assets

0.4%

No prior period
Capital Expenditures

-$3.24M

Previous: -$2.22M-45.7%
Free Cash Flow

$21.7M

Previous: $29.1M-25.7%
Net Income

$24.9M

Previous: $31.4M-20.6%
Operating Income

$56.7M

Previous: $77.8M-27.1%
Gross Profit

$95.4M

Previous: $99.5M-4.2%
Cash & Equivalents

$119M

Previous: $489M-75.7%
Total Assets

$9.85B

Previous: $10.1B-2.6%
Stock-Based Comp

$930K

Previous: $930K+0.0%

Revenue & EPS history

TriCo · Revenue · Quarterly

$104M

Q2 2023+2.8%vs Q2 2022
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

Margin preservation and expense control will be focused priorities in the second half of 2023.

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 Q2 2023

Historical avgQ2 2023

+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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