Filing Flows › Trico Bancshares (TCBK) › Q2 2025
Trico Bancshares (TCBK) Q2 2025 earnings results (second quarter 2025)
10-Q filed Aug 11, 2025
Trico Bancshares (TCBK) reported revenue of $104M for the second quarter 2025 (Q2 2025), +6% from a year earlier and +5% from the quarter before. Operating margin was 36.5%, net earnings $27.5M (26.6% of revenue).
Trico Bancshares, Q2 2025: revenue $104M (+6% year over year), operating margin 36.5%, net earnings $27.5M, operating cash flow $29.2M. The chart follows the revenue to costs, profit and cash.
| Q2 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $104M | +5% | +6% |
| Operating profit | $37.8M | +7% | -3% |
| Net earnings | $27.5M | +4% | -5% |
| Operating cash flow | $29.2M | +19% | -8% |
| Free cash flow | $28.2M | +24% | -8% |
What changed
Revenue was $103.6M in Q2 2025, up 6% year over year and up 5% from the previous quarter.
Operating profit was $37.8M, a 36.5% margin (down 3.5 points year over year). Operating profit fell $1.3M even though revenue rose $5.7M versus a year earlier, so costs grew faster than sales. Total costs grew 12% against revenue growth of 6%. The fastest-growing cost line was Credit loss provision (+1251%). Net earnings were $27.5M, down 5% year over year. The effective tax rate was 27.2%.
Operating cash flow was $29.2M (down 8% year over year), 106% of net earnings. Non-cash charges added back $1.6M of depreciation and amortization and $1.2M of share-based compensation. Capital expenditures of $1.0M left free cash flow of $28.2M.
Questions
What was Trico Bancshares' revenue in the second quarter 2025?
Trico Bancshares (TCBK) reported revenue of $104M for the second quarter 2025 (Q2 2025), +6% from a year earlier and +5% from the quarter before.
Was Trico Bancshares profitable in the second quarter 2025?
Operating profit was $37.8M (36.5% of revenue) and net earnings $27.5M.
Source: Trico Bancshares 10-Q on SEC EDGAR.