
TriCo Bancshares (TCBK) Stock Forecast & Price Target
TriCo Bancshares (TCBK) Analyst Ratings
Bulls say
TriCo Bancshares demonstrated an impressive 3.0% rise in spread income quarter-over-quarter, achieving $92.2 million, which surpassed prior forecasts, signaling continued operational strength. The net interest margin (NIM) expanded by 10 basis points to 4.02%, indicating successful loan production and margin enhancements, thus providing positive momentum heading into 2026. Although expenses are projected to increase, management anticipates positive operating leverage will persist, supported by a growth rate of 6.0% in loans, particularly in the commercial real estate sector.
Bears say
TriCo Bancshares faces a challenging financial outlook primarily due to the potential impacts of an economic slowdown, which may lead to increased nonperforming assets and net charge-offs, thus adversely affecting net income relative to earnings per share estimates. Additionally, a 2.6% quarter-over-quarter decline in noninterest income indicates a downward trend in fee income, with projections suggesting this level may persist through 2026, further straining revenue streams. The bank also experienced a 3.4% decline in deposits, compounded by risks related to interest rate fluctuations that could diminish net interest income, alongside deterioration in credit quality metrics contributing to overall financial vulnerability.
This aggregate rating is based on analysts' research of TriCo Bancshares and is not a guaranteed prediction by Public.com or investment advice.
TriCo Bancshares (TCBK) Analyst Forecast & Price Prediction
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