
TriCo Bancshares (TCBK) Stock Forecast & Price Target
TriCo Bancshares (TCBK) Analyst Ratings
Bulls say
TriCo Bancshares has demonstrated a robust financial performance, with spread income rising 3.0% quarter-over-quarter to $92.2 million, surpassing forecasts, and a net interest margin (NIM) expansion to 4.02%, exceeding model expectations by 8 basis points. Additionally, loan growth of 6.0% quarter-over-quarter, particularly in commercial real estate, indicates strong demand across key segments, which, combined with management's outlook for continued incremental margin improvement, sets a positive trajectory for future earnings. Although operating expenses are anticipated to rise, management expects to maintain positive operating leverage, further supporting a favorable outlook for the company’s financial health.
Bears say
The financial outlook for TriCo Bancshares appears negative due to potential economic downturns, which could increase nonperforming assets and net charge-offs, negatively impacting net income projections. Additionally, a decline in noninterest income, which fell by 2.6% quarter-over-quarter, coupled with expectations of stagnant fee income levels in 2026, suggests challenges in diversifying revenue streams. Furthermore, a decrease in deposits by 3.4% and the prospect of reduced interest rates may compress the net interest margin, exacerbating potential shortfalls in net interest income relative to earnings expectations.
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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