TriCo Bancshares vs Triumph Financial
This page compares TriCo Bancshares and Triumph Financial, examining their business models, financial performance, and market context in neutral, accessible terms for readers. Educational content, not financial advice.
This page compares TriCo Bancshares and Triumph Financial, examining their business models, financial performance, and market context in neutral, accessible terms for readers. Educational content, not...
Investment Analysis
TriCo Bancshares
TCBK
Pros
- TriCo Bancshares reported strong Q3 2025 net income of $34.0 million with diluted EPS of $1.04, showing recent profitability improvement.
- The company grew loans by 3.1% annualized and deposits by 5.8% annualized in Q2 2025, indicating solid organic growth in core banking activities.
- Tri Counties Bank, its main subsidiary, has nearly $10 billion in assets and offers diverse financial services, supporting stable revenue streams.
Considerations
- The bank experienced a decline in net interest margin to 3.73% and a small drop in net interest income in early 2025, indicating margin pressure.
- Provision for credit losses increased notably from $1.7 million to $3.7 million, reflecting rising credit risk concerns and loan loss reserves.
- Non-performing assets to total assets rose to 0.59% from 0.48%, signaling increasing asset quality risks compared to prior quarters.
Pros
- Triumph Financial recently expanded its presence and market reach, positioning itself for moderate growth opportunities.
- The company has maintained profitability with a focus on small business and commercial banking services, leveraging sector-specific niches.
- Strong management focus on operational efficiency has led to improved expense management and steady financial performance.
Considerations
- Triumph Financial faces higher exposure to regional economic cycles, which could increase earnings volatility amid downturns.
- The company’s loan portfolio shows increased risk from certain sectors, potentially leading to elevated credit loss provisions.
- Competitive pressures from larger regional and national banks challenge market share growth and pricing power.
Which Baskets Do They Appear In?
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Which Baskets Do They Appear In?
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