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Trico Bancshares (TCBK) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 6, 2026 · Trico Bancshares (TCBK) Q3 2026 earnings results →
Q3 2026 Revenue up 8% year over year to $117M · 33¢ of every $1 of revenue kept as net profit · operating margin 44.6%
Trico Bancshares made $117M in Q3 2026 (+8% Y/Y). Operating margin 44.6%, net earnings $38.0M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 6, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $116.7M in Q3 2026, up 9% year over year and up 4% from the previous quarter.
Operating profit was $52.1M, a 44.6% margin (up 1.4 points year over year). Of the extra revenue versus Q3 2025, 62% reached operating profit, above the 43% margin then. Total costs grew 6% against revenue growth of 9%. Net earnings were $38.0M, up 12% year over year. The effective tax rate was 27.1%.
Operating cash flow was $41.1M (down 9% year over year), 108% of net earnings. Non-cash charges added back $1.7M of depreciation and amortization and $1.0M of share-based compensation. Capital expenditures of $2.0M left free cash flow of $39.1M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 6, 2026 | $117M | +8% | 44.6% | $38.0M | $41.1M |
| Q2 2026 | 10-Q | Aug 7, 2026 | $112M | +8% | 41.4% | $34.2M | $25.1M |
| Q1 2026 | 10-Q | May 8, 2026 | $108M | +10% | 42.4% | $33.7M | $33.7M |
| Q4 2025 | 10-K | Mar 2, 2026 | $109M | +9% | 42.6% | $33.6M | $34.5M |
| Q3 2025 | 10-Q | Nov 10, 2025 | $108M | +8% | 43.2% | $34.0M | $45.1M |
| Q2 2025 | 10-Q | Aug 11, 2025 | $104M | +6% | 36.5% | $27.5M | $29.2M |
| Q1 2025 | 10-Q | May 12, 2025 | $98.6M | +0.1% | 35.8% | $26.4M | $24.5M |
Charts
Interactive views
The same charts as the app — open one to draw it.
💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About Trico Bancshares
TriCo Bancshares is a registered bank holding company under the Bank Holding Company Act of 1956, as amended (the “BHC Act”). TriCo's principal business is to serve as the holding company for our wholly-owned subsidiary, Tri Counties Bank, a California-chartered commercial bank (the “Bank”). TriCo is a California corporation and was incorporated in 1981. Our common stock is traded on the Nasdaq Global Select Market under the trading symbol "TCBK". The Company and the Bank are headquartered in Chico, California. As a bank holding company, TriCo is subject to the supervision of the Board of Governors of the Federal Reserve System (the “FRB”) under the BHC Act. The Bank is subject to the supervision of the California Department of Financial Protection & Innovation (the “DFPI”) and the Federal Deposit Insurance Corporation (the "FDIC"). See “Regulation and Supervision.”
In its own words, from its 10-K, filed Mar 2, 2026.
Trico Bancshares against its State Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +8% against the peers' median +10%. Operating margin: 44.6% against the peers' median 34.7%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| TCBK Trico Bancshares | Q3 2026 | $117M | +8% | 44.6% |
| BNY Bank of New York Mellon | Q3 2026 | $5.7B | +12% | 38.5% |
| STT State Street | Q3 2026 | $4.0B | +13% | 34.7% |
| FITB Fifth Third Bancorp | Q3 2026 | $3.3B | +42% | 33.8% |
| MTB M&T Bank | Q3 2026 | $2.5B | +0.9% | 39.7% |
| FCNCA First Citizens Bancshares | Q3 2026 | $2.4B | 0% | 33.1% |
| ALLY Ally Financial | Q3 2026 | $2.3B | +8% | 24.3% |
| CFG Citizens Financial Group | Q3 2026 | $2.3B | +10% | 34.6% |
| NTRS Northern Trust | Q3 2026 | $2.3B | +13% | 34.7% |
Source: Trico Bancshares 10-Q on SEC EDGAR · CIK 356171 · State Commercial Banks
Guidance and outlook
13F: who owns TCBK and who is buying
More on TCBK
History
Every quarter: Q3 2026 results · Q2 2026 results · Q1 2026 results · Q4 2025 results · Q3 2025 results · Q2 2025 results · Q1 2025 results