earnings
confidence high
sentiment positive
materiality 0.75
TriCo Bancshares Q4 net income $33.6M, EPS $1.03; NIM 4.02%; share repurchase authorized
TRICO BANCSHARES /
2025-FY EPS reported
$3.70
revenue$53,445,000
- Q4 2025 net income $33.6M ($1.03/share), compared to $34.0M ($1.04) in Q3 2025 and $29.0M ($0.88) in Q4 2024, a 15.8% YoY increase.
- Net interest margin (FTE) expanded to 4.02% from 3.92% in Q3 2025 and 3.76% in Q4 2024; net interest income $92.5M (up 3% QoQ, 9.7% YoY).
- Provision for credit losses increased to $3.0M in Q4 from $0.7M in prior quarter and $1.7M in Q4 2024; total ACL 1.77% of loans.
- Loan balances $7.11B, up $104.3M (6.0% annualized) QoQ and up $342.6M (5.1%) YoY; deposit balances $8.26B, down $70.6M QoQ but up $176.3M YoY.
- Board authorized a new share repurchase program of up to 2,000,000 shares of common stock.