
TriCo Bancshares (TCBK) Stock Forecast & Price Target
TriCo Bancshares (TCBK) Analyst Ratings
Bulls say
TriCo Bancshares has demonstrated a robust growth trajectory with its Ending Outstanding Loans Held for Investment (EOPloans HFI) increasing by 8% on a Last Quarter Annualized (LQA) basis, driven by a significant rise in originations and draws. Additionally, core fees have improved by 6.3% quarter-over-quarter, reflecting enhanced service charges, which contribute positively to the company's financial performance. The upward revision of earnings per share (EPS) estimates for 2025 and 2026 to $3.57 and $3.95, respectively, underscores a positive outlook based on stronger net interest income (NII), better fees, and controlled growth in non-interest expenses (NIE).
Bears say
TriCo Bancshares faces a negative outlook primarily due to the potential impact of an economic slowdown or prolonged recession, which could lead to increased nonperforming assets and net charge-offs, ultimately affecting net income and earnings per share estimates. Additionally, a decline in interest rates presents a risk of compressing the company's net interest margin, thus leading to potential shortfalls in net interest income. Operational risks associated with acquisition activities, including integration challenges and potential dilution of earnings per share, further compound the company's financial vulnerabilities, particularly in the economically vulnerable Northern and Central California markets it serves.
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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