Filing Flows › Trico Bancshares (TCBK) › Q3 2025
Trico Bancshares (TCBK) Q3 2025 earnings results (third quarter 2025)
10-Q filed Nov 10, 2025
Trico Bancshares (TCBK) reported revenue of $108M for the third quarter 2025 (Q3 2025), +9% from a year earlier and +4% from the quarter before. Operating margin was 43.2%, net earnings $34.0M (31.6% of revenue).
Trico Bancshares, Q3 2025: revenue $108M (+8% year over year), operating margin 43.2%, net earnings $34.0M, operating cash flow $45.1M. The chart follows the revenue to costs, profit and cash.
| Q3 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $108M | +4% | +9% |
| Operating profit | $46.5M | +23% | +18% |
| Net earnings | $34.0M | +24% | +17% |
| Operating cash flow | $45.1M | +54% | +58% |
| Free cash flow | $43.2M | +53% | +58% |
What changed
Revenue was $107.6M in Q3 2025, up 9% year over year and up 4% from the previous quarter.
Operating profit was $46.5M, a 43.2% margin (up 3.4 points year over year). Of the extra revenue versus a year earlier, 84% reached operating profit, above the 40% margin then. Total costs grew 2% against revenue growth of 9%. The fastest-growing cost line was Credit loss provision (+128%). Net earnings were $34.0M, up 17% year over year. The effective tax rate was 26.8%.
Operating cash flow was $45.1M (up 58% year over year), 133% of net earnings. Non-cash charges added back $1.6M of depreciation and amortization and $1.3M of share-based compensation. Working capital and other items added $8.2M. Capital expenditures of $1.9M left free cash flow of $43.2M.
Questions
What was Trico Bancshares' revenue in the third quarter 2025?
Trico Bancshares (TCBK) reported revenue of $108M for the third quarter 2025 (Q3 2025), +9% from a year earlier and +4% from the quarter before.
Was Trico Bancshares profitable in the third quarter 2025?
Operating profit was $46.5M (43.2% of revenue) and net earnings $34.0M.
Source: Trico Bancshares 10-Q on SEC EDGAR.