
TriCo Bancshares (TCBK) Stock Forecast & Price Target
TriCo Bancshares (TCBK) Analyst Ratings
Bulls say
TriCo Bancshares has demonstrated robust loan growth, with end-of-period loans held for investment (HFI) increasing by 8% on a last quarter annualized basis due to a significant 28% increase in originations and draws, indicating strong demand for its lending services. The company experienced a 6.3% increase in core fees during the last quarter, rising to $17.1 million, reflecting improved service charges and suggesting potential resilience in revenue generation. Projections for earnings per share have been revised upward for 2025 and 2026 to $3.57 and $3.95, respectively, driven by expectations of stronger net interest income, enhanced fee income, and controlled non-interest expenses.
Bears say
TriCo Bancshares faces a negative outlook primarily due to potential economic slowdowns that could increase nonperforming assets and net charge-offs, adversely affecting net income and earnings per share estimates. Additionally, a decrease in interest rates poses a significant risk by compressing the net interest margin, which is critical to the company’s revenue generation from net interest income. Furthermore, the company's exposure to operational and financial risks connected with acquisition activities, along with their presence in economically challenged Northern and Central California markets, adds to concerns regarding asset quality and overall financial stability.
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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