TCBK Valuation

Trico Bancshares

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45.420

-0.25(-0.547%)1D

Overview
Forecast
Valuation
Earnings

TCBK Relative Valuation

TCBK's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, TCBK is overvalued; if below, it's undervalued.

Historical Valuation

Trico Bancshares (TCBK) is now in the Fair zone, suggesting that its current forward PE ratio of 12.47 is considered Fairly compared with the five-year average of 11.69. The fair price of Trico Bancshares (TCBK) is between 39.32 to 47.88 according to relative valuation methord.

Relative Value

Fair Zone

39.32-47.88

Current Price：45.67

Fair

12.40

Trailing

Forward

0.00

EV/EBITDA

Trico Bancshares. (TCBK) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

NaN

EV/EBIT

Trico Bancshares. (TCBK) has a current EV/EBIT of NaN. The 5-year average EV/EBIT is NaN. The thresholds are as follows: Strongly Undervalued below NaN, Undervalued between NaN and NaN, Fairly Valued between NaN and NaN, Overvalued between NaN and NaN, and Strongly Overvalued above NaN. The current Forward EV/EBIT of NaN falls within the range.

3.43

Trico Bancshares. (TCBK) has a current PS of 3.43. The 5-year average PS is 3.36. The thresholds are as follows: Strongly Undervalued below 2.48, Undervalued between 2.48 and 2.92, Fairly Valued between 3.80 and 2.92, Overvalued between 3.80 and 4.24, and Strongly Overvalued above 4.24. The current Forward PS of 3.43 falls within the Historic Trend Line -Fairly Valued range.

0.00

P/OCF

Trico Bancshares. (TCBK) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

Trico Bancshares. (TCBK) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

Trico Bancshares (TCBK) has a current Price-to-Book (P/B) ratio of 1.17. Compared to its 3-year average P/B ratio of 1.21 , the current P/B ratio is approximately -2.86% higher. Relative to its 5-year average P/B ratio of 1.24, the current P/B ratio is about -5.41% higher. Trico Bancshares (TCBK) has a Forward Free Cash Flow (FCF) yield of approximately 6.83%. Compared to its 3-year average FCF yield of 9.49%, the current FCF yield is approximately -27.96% lower. Relative to its 5-year average FCF yield of 9.59% , the current FCF yield is about -28.76% lower.

1.17

P/B

Median3y

1.21

Median5y

1.24

6.81

FCF Yield

Median3y

9.49

Median5y

9.59

Competitors Valuation Multiple

The average P/S ratio for TCBK's competitors is 3.39, providing a benchmark for relative valuation. Trico Bancshares Corp (TCBK) exhibits a P/S ratio of 3.43, which is 1.09% above the industry average. Given its robust revenue growth of 6.66%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

National Bank Holdings Corp

German American Bancorp Inc

Performance Decomposition

Market capitalization of TCBK increased by 1.91% over the past 1 year. The primary factor behind the change was an increase in Revenue Growth from 91.28M to 97.36M.

The secondary factor is the P/E Change, contributed 6.32%to the performance.

Overall, the performance of TCBK in the past 1 year is driven by Revenue Growth. Which is more sustainable.

6.66%

91.28M → 97.36M

Revenue Growth

-11.07%

31.81 → 28.29

Margin Expansion

6.32%

12.60 → 13.40

P/E Change

1.91%