TriCo Bancshares vs Merchants Bancorp

This page compares TriCo Bancshares and Merchants Bancorp, examining business models, financial performance, and market context in a neutral, accessible manner. Educational content, not financial advice.

Comparison Snapshot

Key Financial Metrics

TCBK

Metric

MBIN

$1.58B

Market Cap

$1.57B

-1.86%

Potential Profit

15.65%

Buy

Analyst Rating

Buy

Investment Analysis

TriCo Bancshares

TCBK

Pros

TriCo Bancshares demonstrates steady earnings growth and a net margin of 21.87%, indicating efficient profitability.
The stock is trading at a notable discount to analyst price targets, suggesting potential undervaluation.
Regional focus in California offers a concentrated market with potential for stable commercial and retail banking growth.

Considerations

TriCo Bancshares' return on equity of 9.37% is relatively moderate compared to high-performing peers.
Market sentiment shows recent selling pressure and share price returns have been modest this year.
The stock has a mixed analyst consensus with more 'Hold' than 'Buy' ratings, reflecting some uncertainty.

Merchants Bancorp

MBIN

Pros

Merchants Bancorp maintains a focused regional banking model which can support strong customer relationships and niche market expertise.
Historically consistent dividend payments enhance shareholder income potential.
The company has shown resilience in earnings even amidst a challenging banking environment.

Considerations

Exposure to regional economic cycles in Indiana may increase earnings volatility due to limited geographic diversification.
Smaller market capitalization can limit liquidity and increase susceptibility to market fluctuations.
Recent regulatory pressures and competitive pressures in community banking could constrain growth.

About The Companies

TriCo Bancshares (TCBK)

Trico Bancshares serves as the bank holding company for its primary subsidiary, Tri Counties Bank, a commercial bank chartered in California. It provides a comprehensive range of financial services tailored to personal, small business, and commercial clients. These services include standard banking products like savings and time deposits, alongside various lending options such as commercial, real estate, and consumer loans. For its business clients, the company also offers treasury management services. Furthermore, Tri Counties Wealth Management Advisors provide brokerage services from the bank's offices. The company's financial health appears robust, with strong earnings from its core operations. As a holding company, its performance is directly linked to the success and stability of its banking subsidiary. As with any financial institution, its fortunes can be influenced by economic cycles and interest rate fluctuations.

Merchants Bancorp (MBIN)

Merchants Bancorp (MBIN) is the holding company for an Indiana-based regional bank that provides commercial and consumer banking services, including lending, deposit accounts and wealth-management solutions. With a market capitalisation around $1.47 billion, MBIN is sized as a small regional bank where net interest margin, loan growth and credit quality typically drive results. Investors often watch sensitivity to interest-rate moves, deposit trends and local economic conditions in its primary markets. The company may benefit from steady business banking relationships and modest commercial real-estate exposure, while facing competition from larger banks and fintechs. Regulatory capital, asset quality and funding costs are key indicators to monitor. This summary is educational and not personalised advice; bank stocks can be volatile and past performance does not guarantee future returns. Consider your risk tolerance and investment horizon before acting, and consult a financial adviser for specific guidance.

Which Baskets Do They Appear In?

No baskets available in this category

Which Baskets Do They Appear In?

No baskets available in this category

Buy TCBK or MBIN in Nemo

🆓

Zero Commission

Trade stocks, ETFs, and more with zero commission. Keep more of your returns.

🔒

Trusted & Regulated

Part of Exinity Group 2015, serving over a million customers globally.

💰

6% Interest on Cash

Earn 6% AER on uninvested cash with daily interest payments.

TriCo Bancshares vs Merchants Bancorp

Comparison Snapshot

Investment Analysis

TriCo Bancshares

Pros

Considerations

Merchants Bancorp

Pros

Considerations

About The Companies

Which Baskets Do They Appear In?

Which Baskets Do They Appear In?

Buy TCBK or MBIN in Nemo

Zero Commission

Trusted & Regulated

6% Interest on Cash

Discover More Comparisons

TriCo Bancshares vs National Bank Holdings

TriCo Bancshares vs Bladex

TriCo Bancshares vs Live Oak

Frequently asked questions

Comparison Snapshot

About The Companies

TriCo Bancshares vs Merchants Bancorp

Comparison Snapshot

Investment Analysis

TriCo Bancshares

Pros

Considerations

Merchants Bancorp

Pros

Considerations

About The Companies

Which Baskets Do They Appear In?

Which Baskets Do They Appear In?

Buy TCBK or MBIN in Nemo

Zero Commission

Trusted & Regulated

6% Interest on Cash

Discover More Comparisons

TriCo Bancshares vs National Bank Holdings

TriCo Bancshares vs Bladex

TriCo Bancshares vs Live Oak

Frequently asked questions

What is the main purpose of comparing TriCo Bancshares with Merchants Bancorp in this page?

How does profitability typically get assessed in bank stocks like these?

What does ‘regional focus’ mean for a bank, and why is it important here?

What does a discount to analyst targets imply for TriCo in this context?

How should dividend history influence investment consideration for Merchants Bancorp?

What does ‘consensus ratings’ tell us about a stock, and how is it relevant here?

Why is geographic diversification discussed as a market risk for Merchants Bancorp?

How can market sentiment affect small-cap bank stocks like these?

What should a reader look for when comparing earnings growth and margins between the two banks?

Is there a simple way to interpret how risk factors differ between the two stocks?

Educational disclaimer: how should a reader use this page?

Comparison Snapshot

About The Companies