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TriCo (TCBK) Reports Q4 Earnings: What Key Metrics Have to Say

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For the quarter ended December 2025, TriCo (TCBK - Free Report) reported revenue of $109.4 million, up 9% over the same period last year. EPS came in at $1.03, compared to $0.88 in the year-ago quarter.

The reported revenue compares to the Zacks Consensus Estimate of $107.4 million, representing a surprise of +1.86%. The company delivered an EPS surprise of +2.23%, with the consensus EPS estimate being $1.01.

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.

Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.

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: 54.7% versus the three-analyst average estimate of 56.6%.
  • Net Interest Margin [%]: 4% compared to the 3.9% average estimate based on three analysts.
  • Average Interest-Earning Assets: $9.13 billion versus $9.14 billion estimated by two analysts on average.
  • Net Interest Income: $92.23 million versus the three-analyst average estimate of $90.17 million.
  • Total Non Interest Income: $17.17 million compared to the $17.61 million average estimate based on three analysts.
  • Gain on Sale of Loans: $0.43 million compared to the $0.41 million average estimate based on two analysts.

View all Key Company Metrics for TriCo here>>>

Shares of TriCo have returned +4.5% over the past month versus the Zacks S&P 500 composite's +0.7% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.

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