TriCo Bancshares — Earnings Quality Grade A
TCBK · Financial Services
Strong financial health
Screening Summary
Management Signals
Source: SEC EDGAR 8-K Item 5.02, with exhibit links when available
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 30 days, change -3 days YoY
AR growth -3.3% vs revenue growth 5.8%
Revenue 5.8%, CFFO 21.5%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth 17.7% vs revenue 5.8%. Normal
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.10. Profits backed by cash
FCF $0.1B, FCF/NI = 1.05
Accruals ratio = -0.1%. Low accruals
Cash $0.2B covers debt $0.1B
Balance Sheet Health
Goodwill+Intangibles $0.3B = 23% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change -1% YoY. Normal
Manipulation Score
Insufficient data
Altman Z-Score — Not Applicable
TriCo Bancshares is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25