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TriCo (TCBK) Q2 Earnings: Taking a Look at Key Metrics Versus Estimates

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TriCo (TCBK - Free Report) reported $103.61 million in revenue for the quarter ended June 2025, representing a year-over-year increase of 5.9%. EPS of $0.84 for the same period compares to $0.87 a year ago.

The reported revenue represents a surprise of +2.38% over the Zacks Consensus Estimate of $101.2 million. With the consensus EPS estimate being $0.82, the EPS surprise was +2.44%.

While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

Here is how TriCo performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
  • Efficiency ratio: 59% versus 59.9% estimated by three analysts on average.
  • Net Interest Margin [%]: 3.9% compared to the 3.8% average estimate based on three analysts.
  • Average Interest-Earning Assets: $8.97 billion versus the two-analyst average estimate of $9.04 billion.
  • Net Interest Income: $86.52 million versus the three-analyst average estimate of $84.54 million.
  • Total Non Interest Income: $17.09 million compared to the $16.42 million average estimate based on three analysts.
  • Gain on Sale of Loans: $0.5 million versus $0.44 million estimated by two analysts on average.

View all Key Company Metrics for TriCo here>>>

Shares of TriCo have returned +4.3% over the past month versus the Zacks S&P 500 composite's +5.7% change. The stock currently has a Zacks Rank #4 (Sell), indicating that it could underperform the broader market in the near term.

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