Filing Flows › Trico Bancshares (TCBK) › Q4 2025
Trico Bancshares (TCBK) Q4 2025 earnings results (fourth quarter 2025)
10-K filed Mar 2, 2026
Trico Bancshares (TCBK) reported revenue of $109M for the fourth quarter 2025 (Q4 2025), +9% from a year earlier and +2% from the quarter before. Operating margin was 42.6%, net earnings $33.6M (30.7% of revenue).
Trico Bancshares, Q4 2025: revenue $109M (+9% year over year), operating margin 42.6%, net earnings $33.6M, operating cash flow $34.5M. The chart follows the revenue to costs, profit and cash.
| Q4 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $109M | +2% | +9% |
| Operating profit | $46.6M | +0.2% | +20% |
| Net earnings | $33.6M | -1% | +16% |
| Operating cash flow | $34.5M | -24% | +42% |
| Free cash flow | $33.7M | -22% | +47% |
What changed
Revenue was $109.4M in Q4 2025, up 9% year over year and up 2% from the previous quarter.
Operating profit was $46.6M, a 42.6% margin (up 3.8 points year over year). Of the extra revenue versus a year earlier, 85% reached operating profit, above the 39% margin then. Total costs grew 2% against revenue growth of 9%. The fastest-growing cost line was Credit loss provision (+32%). Net earnings were $33.6M, up 16% year over year. The effective tax rate was 27.8%.
Operating cash flow was $34.5M (up 42% year over year), 102% of net earnings. Non-cash charges added back $1.7M of depreciation and amortization and $1.1M of share-based compensation. Working capital and other items used $2.0M. Capital expenditures of $777K left free cash flow of $33.7M.
Questions
What was Trico Bancshares' revenue in the fourth quarter 2025?
Trico Bancshares (TCBK) reported revenue of $109M for the fourth quarter 2025 (Q4 2025), +9% from a year earlier and +2% from the quarter before.
Was Trico Bancshares profitable in the fourth quarter 2025?
Operating profit was $46.6M (42.6% of revenue) and net earnings $33.6M.
Source: Trico Bancshares 10-K on SEC EDGAR.