TriCo Bancshares Reports $33.6M Net Income in Q4, 6% Loan Growth
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jan 22 2026
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Source: Newsfilter
- Net Income Performance: TriCo Bancshares reported a net income of $33.6 million for Q4 2025, translating to a diluted earnings per share of $1.03, reflecting a slight 1.1% decline from the previous quarter but a robust 15.8% increase year-over-year, demonstrating resilience amid economic challenges.
- Interest Income Growth: The net interest income reached $92.5 million, marking a 2.97% increase quarter-over-quarter, with the net interest margin rising to 4.02%, indicating effective management of income and costs in a changing interest rate environment.
- Loan and Deposit Dynamics: Loan balances increased by $104.3 million, representing an annualized growth rate of 6%, while deposit balances decreased by $70.6 million, reflecting challenges in deposit management against a backdrop of strong loan demand.
- Credit Loss Reserves: The provision for credit losses was $3.0 million in Q4, significantly up by 347.8% from the previous quarter, reflecting a cautious approach to potential credit risks, although overall asset quality remained stable.
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Analyst Views on TCBK
Wall Street analysts forecast TCBK stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for TCBK is 50.00 USD with a low forecast of 46.00 USD and a high forecast of 57.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
4 Analyst Rating
2 Buy
2 Hold
0 Sell
Moderate Buy
Current: 48.830
Low
46.00
Averages
50.00
High
57.00
Current: 48.830
Low
46.00
Averages
50.00
High
57.00
About TCBK
TriCo Bancshares is a bank holding company. The Company’s principal business is to serve as the holding company for its subsidiary, Tri Counties Bank, a California-chartered commercial bank (the Bank). The Bank provides a breadth of personal, small business and commercial financial services, including accepting demand, savings and time deposits and making small business, commercial, real estate, and consumer loans, as well as a range of treasury management services and other customary banking services, including safe deposit boxes at some branches. The Bank offers a variety of banking and financial services to both personal, small business and commercial customers. Brokerage services are provided at the Bank’s offices by Tri Counties Wealth Management Advisors. In addition, it has five capital trusts, which are all wholly owned trust subsidiaries formed for the purpose of issuing trust preferred securities (Trust Preferred Securities) and lending the proceeds to the Company.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
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DA Davidson Raises TriCo Bancshares (TCBK) Price Target to $54, Maintains Neutral Rating
- Price Target Increase: DA Davidson raised the price target for TriCo Bancshares from $51 to $54, indicating analyst confidence in the company's future performance while maintaining a Neutral rating, reflecting a cautious market outlook.
- Loan Production Growth: The analyst noted significant increases in loan production for TriCo in Q4, driving performance growth and laying the groundwork for sustained development into 2026, suggesting strong competitive potential in the market.
- Margin Improvement: The increase in loan production has also led to a noticeable lift in TriCo's margins, enhancing profitability and providing funding support for future investments and expansions, indicating a healthy financial status.
- Stable Credit Quality: DA Davidson emphasized that TriCo's credit quality remains sound, with evident expense control in 2025, showcasing effective management of costs and risks, which helps bolster investor confidence.
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