A regional bank branch interior overlaid with a rising stock chart to represent earnings beat and dividend growth.
Chico, California, September 1, 2025
TriCo Bancshares reported quarterly results that exceeded expectations, with GAAP EPS of $0.84 and revenue of $103.61 million. The company raised its quarterly cash dividend to $0.36 per share and attracted renewed analyst interest, producing an average recommendation of Moderate Buy and a $47.60 average 12‑month target. Management added a senior Head of Wholesale Banking to strengthen commercial and treasury capabilities. Key metrics include a market cap near $1.48 billion, a P/E around 13.36, and institutional ownership above 59%. Investors will watch upcoming revenue, EPS trends, loan growth and net interest margin for further signals.
The bank reported better-than-expected second-quarter results, raised its quarterly dividend, and drew renewed analyst interest. The most immediate news: the company posted higher-than-expected earnings and revenue, lifted its quarterly payout to shareholders, and appointed a senior banking executive to lead wholesale efforts.
For the quarter ending in late July, the bank posted GAAP earnings per share of $0.84, beating the consensus estimate by a small margin. Reported revenue came in at $103.61 million, above the expected level. Net margin stood near 21.11%, while return on equity was about 8.99%.
The board declared a quarterly cash dividend of $0.36 per share, up from the prior quarterly payment of $0.33. That increase represents a 9.1 percent rise and translates to an annualized dividend of $1.44, giving a yield in the low single digits based on the recent share price. The payout ratio is reported at roughly 38.8%, and the dividend is scheduled to be paid in mid-September to shareholders of record in early September. The dividend marks the company’s 144th consecutive quarterly cash payment.
Analysts covering the stock hold a mixed but generally positive view. Among the current group, the average recommendation is in the Moderate Buy category, with a spread of buy and hold ratings. Broker 12-month target prices average around $47.60, with some firms raising their targets following the quarter. One broker recently raised its target to $55.00, while others moved targets into the mid-40s.
Market indicators show a stock trading near the mid-to-upper range of its one-year band, with a 52-week low near the mid-30s and a high just above $51. The shares opened recently in the mid-40s. The stock carries a price-to-earnings ratio near 13.4 and a beta indicating lower volatility than the broader market.
Over the last five years, revenue grew at a modest compound annual rate. Recent annualized trends show a small pullback, while tangible book value per share has generally trended upward over multiple years and accelerated in the last two. Net interest income has made up a large share of total revenue in recent periods. The company reports low leverage, with a debt-to-equity ratio under 0.10, and liquidity ratios that reflect typical bank operating levels.
The company added a new Head of Wholesale Banking with more than two decades of industry experience. The new executive will oversee middle market and specialty banking, commercial banking, business banking, treasury management, and merchant card services across the firm’s footprint. The hire is positioned to strengthen relationship coverage and commercial lending efforts across the region.
Institutional investors hold a majority of the company’s stock. Several funds increased or started positions during the quarter, including both new buys and sizable additions. Reported moves included a new small stake purchase by one firm and a large percentage increase in holdings by a trading firm. Several wealth managers and large financial institutions also raised holdings during the period.
The holding company operates a regional bank that offers demand, savings and time deposits, consumer and mortgage loans, small business and commercial loans, and other typical bank services. The bank also provides online and mobile banking and access to a large surcharge-free ATM network. The institution has nearly $10 billion in assets and been in operation for roughly 50 years.
The quarter’s positive earnings surprise, the dividend increase and the hire for wholesale banking suggest a focus on steady income generation and growth in commercial relationships. Analyst target upgrades after the results reflect cautious optimism, while the dividend raise signals management confidence in the firm’s earnings and asset growth outlook.
Investors will likely watch future loan growth, net interest margins, and the pace of commercial lending activity as the new wholesale chief settles into the role. Upcoming quarterly updates and any changes to analyst guidance will also be closely watched.
Earnings per share were reported at $0.84 and revenue at $103.61 million, both slightly above consensus expectations.
The quarterly dividend was raised from $0.33 to $0.36 per share, an increase of $0.03 or about 9.1 percent. The payout is payable in mid-September to holders of record in early September.
Analysts currently average a Moderate Buy recommendation with 12-month targets averaging in the high $40s. Some firms have raised targets into the mid-40s and one moved a target into the mid-50s after the quarter.
A senior banking executive with more than 25 years of experience was hired to lead wholesale and commercial relationship teams, including middle market lending and treasury services.
| Item | Value |
|---|---|
| Latest EPS (GAAP) | $0.84 |
| Quarterly Revenue | $103.61 million |
| Quarterly Dividend | $0.36 per share |
| Annualized Dividend | $1.44 (yield ~3.2%) |
| Market Capitalization | Approximately $1.48 billion |
| P/E Ratio | About 13.36 |
| 52-Week Range | $35.20 — $51.06 |
| Debt-to-Equity | 0.09 |
| ROE | 8.99% |
| Institutional Ownership | About 59.11% |
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