NASDAQ$TCBK

TriCo Bancshares · Q3 2024 earnings

Q3 2024 earnings · · Investor relations

Briefing

TriCo Bancshares reported Q3 2024 net income of $29.1 million, with diluted EPS of $0.88.

TriCo Bancshares reported a net income of $29.1 million and diluted EPS of $0.88 for the third quarter of 2024. The company's financial performance demonstrates the effectiveness of adhering to a long-term plan and consistent execution by its teams.

  • Net income was $29.1 million, with diluted EPS at $0.88, slightly improved from the previous quarter.
  • Deposit balances saw a slight decrease from the trailing quarter but increased from the same quarter last year.
  • Average yield on earning assets increased by 2 basis points compared to the trailing quarter.
  • Net interest margin (FTE) increased by 3 basis points over the trailing quarter.

Headline financials

Total Revenue

$99.1M

Previous: $104M-4.8%
EPS

$0.88

Previous: $0.92-4.3%
ROAA

1.2%

Previous: 1.2%-2.4%
ROAE

9.5%

No prior period
Efficiency Ratio

60.0%

Previous: 55.6%+8.0%
Capital Expenditures

-$3.25M

Previous: -$3.89M+16.3%
Free Cash Flow

$25.8M

Previous: $26.7M-3.4%
Net Income

$29.1M

Previous: $30.6M-5.0%
Operating Income

$43.8M

Previous: $56.7M-22.8%
Gross Profit

$98.8M

Previous: $101M-2.2%
Stock-Based Comp

$1.16M

Previous: $1.08M+6.7%

Revenue & EPS history

TriCo · Revenue · Quarterly

$99.1M

Q3 2024-4.8%vs Q3 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

While net interest margin and net interest income expanded during the quarter, the company continues to execute incremental balance sheet strategies to minimize the forecasted impacts of recent and anticipated interest rate cuts. The reshaping of the yield curve with less inversion will likely provide longer term benefits to revenue and earnings per share growth.

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 Q3 2024

Historical avgQ3 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%

Discussion

Share your read of this quarter. Sign-in carries your eToro identity.

Join the conversation

Sign in with eToro to post your read of this quarter and vote on others'.

Sign in with eToro