TriCo Bancshares trades at $53.47 and has moved in lockstep with the market. Its shares have returned 10.7% over the last six months while the S&P 500 has gained 6.2%.

Is there a buying opportunity in TriCo Bancshares, or does it present a risk to your portfolio? Get the full breakdown from our expert analysts, it’s free.

Why Is TriCo Bancshares Not Exciting?

We’re sitting this one out for now. Here are three reasons you should be careful with TCBK, plus one stock we’d rather own.

1. Net Interest Income Points to Soft Demand

Our experience and research show the market cares primarily about a bank’s net interest income growth as one-time fees are considered a lower-quality and non-recurring revenue source.

TriCo Bancshares’s net interest income has grown at a 6.6% annualized rate over the last five years, worse than the broader banking industry and in line with its total revenue.

2. EPS Barely Growing

We track the long-term change in earnings per share (EPS) because it highlights whether a company’s growth is profitable.

TriCo Bancshares’s unimpressive 7.4% annual EPS growth over the last five years aligns with its revenue performance. This tells us it maintained its per-share profitability as it expanded.

3. Projected TBVPS Growth Is Slim

The key to tangible book value per share (TBVPS) growth is a bank’s ability to earn consistent returns on its assets that exceed its funding costs and credit losses.

Over the next 12 months, Consensus estimates call for TriCo Bancshares’s TBVPS to grow by 8.9% to $34.64, paltry growth rate.

Final Judgment

TriCo Bancshares isn’t a terrible business, but it doesn’t pass our quality test. That said, the stock currently trades at 1.2× forward P/B (or $53.47 per share). While this valuation is reasonable, we don’t really see a big opportunity at the moment. We’re pretty confident there are superior stocks to buy right now. We’d recommend looking at one of our top software and edge computing picks.

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