NASDAQ$TCBK

TriCo Bancshares · Q4 2024 earnings

Q4 2024 earnings · · Before market open · Investor relations

Briefing

TriCo Bancshares reported a net income of $29.0 million and diluted EPS of $0.88 for Q4 2024.

TriCo Bancshares reported a net income of $29.0 million, with diluted earnings per share of $0.88 for the fourth quarter of 2024. The net interest margin (FTE) was 3.76%. Loan balances increased by $84.6 million, while deposit balances increased by $50.5 million.

  • Net income was $29.0 million, or $0.88 per diluted share.
  • Net interest margin (FTE) was 3.76%.
  • Loan balances increased $84.6 million, or 5.1% (annualized).
  • Deposit balances increased $50.5 million, or 2.5% (annualized).

Headline financials

Total Revenue

$100M

Previous: $103M-2.2%
EPS (adj)

$0.88

Previous: $0.78+12.8%
Return on average equity

11.0%

Previous: 9.4%+16.2%
Efficiency ratio

54.5%

Previous: 58.7%-7.3%
Net interest margin (FTE)

3.8%

Previous: 3.8%+0.5%
Net interest rate spread

3.6%

No prior period
Non-performing assets to total assets

0.2%

Previous: 0.3%-45.7%
ACL to total loans

1.4%

Previous: 1.8%-20.7%
Tier 1 Capital Ratio

13.3%

No prior period
Tier 1 Leverage Ratio

9.2%

No prior period
Total RBC Ratio

14.5%

No prior period
Return on average assets

1.3%

Previous: 1.1%+20.0%
Capital Expenditures

-$1.31M

Previous: $1M-230.6%
Net Income

$29M

Previous: $26.1M+11.3%
Operating Income

$38.9M

Previous: $36.4M+6.8%

Revenue & EPS history

TriCo · Revenue · Quarterly

$100M

Q4 2024-2.2%vs Q4 2023
Beat estimate in 12 of 15 quarters(80%)
ActualEstimate

Revenue by segment

TriCo · $18.2M total across 2 segments · Q2 2026

  • Service charges and fees
    $14M
  • Other non-interest income
    $4.25M

Forward guidance

The statements contained herein that are not historical facts are forward-looking statements based on management’s current expectations and beliefs concerning future developments and their potential effects on the Company.

Historical earnings impact

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

Avg. return before/after earnings

Based on 19 quarterly earnings reports · overlaid with Q4 2024

Historical avgQ4 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
Q2 2026
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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