• TriCo Bancshares recently reported its fourth quarter and full-year 2025 results, with net interest income of US$92.23 million in the quarter and full-year net income of US$121.56 million, alongside higher diluted earnings per share from continuing operations versus the prior year.
• On the same day, the Board authorized a new buyback plan for up to 2,000,000 shares after completing a prior repurchase of 1,885,076 shares, underscoring ongoing use of excess capital to return cash to shareholders.
• We will now examine how TriCo Bancshares’ year-over-year earnings growth and renewed share repurchase authorization shape its broader investment narrative.

Outshine the giants: these 25 early-stage AI stocks could fund your retirement.

What Is TriCo Bancshares' Investment Narrative?

To own TriCo Bancshares, you really have to believe in a steady, dividend-focused regional bank story rather than a high-growth one. The latest results back that up: 2025 net income and EPS from continuing operations moved higher year on year, and Q4 net interest income also increased versus the prior period, reinforcing the view of consistent, incremental progress. The new authorization to repurchase up to 2,000,000 shares, coming right after the completion of a 1,885,076‑share program, signals that management is still comfortable using excess capital to support shareholder returns, which may act as a near-term support for the stock if sentiment softens. At the same time, the business still faces familiar issues such as modest forecast growth, a relatively full earnings multiple, and the need to justify ongoing capital returns in a slower-growth banking sector.

However, investors should be aware that slower expected earnings growth could constrain future flexibility on buybacks. Despite retreating, TriCo Bancshares' shares might still be trading 34% above their fair value. Discover the potential downside here.

Exploring Other Perspectives

The Simply Wall St Community’s two fair value estimates range from US$28.38 to US$55.17, showing how far apart individual views can be. Set that against TriCo’s moderate earnings growth and capital return focus, and you can see why it pays to compare multiple perspectives before deciding what this stock’s story really is.

Explore 2 other fair value estimates on TriCo Bancshares - why the stock might be worth 43% less than the current price!

Build Your Own TriCo Bancshares Narrative

Disagree with this assessment? Create your own narrative in under 3 minutes - extraordinary investment returns rarely come from following the herd.

• A great starting point for your TriCo Bancshares research is our analysis highlighting 4 key rewards that could impact your investment decision.
• Our free TriCo Bancshares research report provides a comprehensive fundamental analysis summarized in a single visual - the Snowflake - making it easy to evaluate TriCo Bancshares' overall financial health at a glance.

Ready To Venture Into Other Investment Styles?

Our top stock finds are flying under the radar-for now. Get in early:

• These 12 companies survived and thrived after COVID and have the right ingredients to survive Trump's tariffs. Discover why before your portfolio feels the trade war pinch.
• Rare earth metals are an input to most high-tech devices, military and defence systems and electric vehicles. The global race is on to secure supply of these critical minerals. Beat the pack to uncover the 32 best rare earth metal stocks of the very few that mine this essential strategic resource.
• Uncover the next big thing with financially sound penny stocks that balance risk and reward.

This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.