TriCo Bancshares (NASDAQ:TCBK) Exceeds Q4 CY2025 Expectations

As the Q3 earnings season comes to a close, it’s time to take stock of this quarter’s best and worst performers in the regional banks industry, including TriCo Bancshares and its peers.

Regional banks, financial institutions operating within specific geographic areas, serve as intermediaries between local depositors and borrowers. They benefit from rising interest rates that improve net interest margins (the difference between loan yields and deposit costs), digital transformation reducing operational expenses, and local economic growth driving loan demand. However, these banks face headwinds from fintech competition, deposit outflows to higher-yielding alternatives, credit deterioration (increasing loan defaults) during economic slowdowns, and regulatory compliance costs. Recent concerns about regional bank stability following high-profile failures and significant commercial real estate exposure present additional challenges.

The 101 regional banks stocks we track reported a satisfactory Q3. As a group, revenues beat analysts’ consensus estimates by 1.3%.

Thankfully, share prices of the companies have been resilient as they are up 8.4% on average since the latest earnings results.

TriCo Bancshares

Founded in 1975 and headquartered in Chico, California, TriCo Bancshares operates Tri Counties Bank, providing personal, small business, and commercial banking services through branches across California.

TriCo Bancshares reported revenues of $107.4 million, up 8.5% year on year. This print exceeded analysts’ expectations by 1%. Overall, it was a strong quarter for the company with a beat of analysts’ EPS and tangible book value per share estimates.

Interestingly, the stock is up 12.6% since reporting and currently trades at $47.93.

Best Q3: Customers Bancorp

Originally founded with a "high-tech, high-touch" branch-light banking strategy, Customers Bancorp is a bank holding company that provides commercial and consumer banking services through its Customers Bank subsidiary, with a focus on business lending and digital banking.

Customers Bancorp reported revenues of $231.8 million, up 38.3% year on year, outperforming analysts’ expectations by 6.9%. The business had a stunning quarter with an impressive beat of analysts’ net interest income estimates and a solid beat of analysts’ revenue estimates.

The market seems happy with the results as the stock is up 19.3% since reporting. It currently trades at $78.19.

Weakest Q3: The Bancorp

Operating behind the scenes of many popular fintech apps and prepaid cards you might use daily, The Bancorp is a bank holding company that specializes in providing banking services to fintech companies and offering specialty lending products.

The Bancorp reported revenues of $174.7 million, up 38.8% year on year, falling short of analysts’ expectations by 9.9%. It was a disappointing quarter as it posted a significant miss of analysts’ revenue estimates and a significant miss of analysts’ net interest income estimates.

The Bancorp delivered the weakest performance against analyst estimates in the group. As expected, the stock is down 9.4% since the results and currently trades at $69.96.

Read our full analysis of The Bancorp’s results here.

WesBanco

Tracing its roots back to 1870 in West Virginia, WesBanco is a bank holding company that provides retail and commercial banking, trust services, insurance, and investment products through its subsidiaries across several Midwestern and Mid-Atlantic states.

WesBanco reported revenues of $261.6 million, up 72.9% year on year. This print missed analysts’ expectations by 0.7%. Overall, it was a slower quarter as it also produced a slight miss of analysts’ net interest income estimates and a slight miss of analysts’ revenue estimates.

WesBanco delivered the fastest revenue growth among its peers. The stock is up 8.9% since reporting and currently trades at $34.14.

Read our full, actionable report on WesBanco here, it’s free for active Edge members.

Old National Bank

Tracing its roots back to 1834 when Andrew Jackson was president, Old National Bancorp is a bank holding company that provides commercial and consumer loans, deposit services, wealth management, and treasury solutions primarily throughout the Midwest region.

Old National Bank reported revenues of $713 million, up 44.9% year on year. This result topped analysts’ expectations by 2.2%. Zooming out, it was a satisfactory quarter as it also logged a solid beat of analysts’ revenue estimates but net interest income in line with analysts’ estimates.

The stock is up 11.4% since reporting and currently trades at $23.04.

Read our full, actionable report on Old National Bank here, it’s free for active Edge members.

What Happened?

A number of stocks jumped in the afternoon session after comments from a key Federal Reserve official boosted hopes for an interest rate cut. New York Federal Reserve President John Williams stated he sees “room for a further adjustment” in the near term, sparking a significant market rally. Following his remarks, the probability of the central bank cutting rates at its December meeting jumped from 39% to over 73%, according to the CME FedWatch tool. This positive sentiment provided relief to markets amid concerns over high valuations, particularly in AI-related stocks.

The stock market overreacts to news, and big price drops can present good opportunities to buy high-quality stocks.

Among others, the following stocks were impacted:

• Regional Banks company Stock Yards Bank jumped 3.7%. Is now the time to buy Stock Yards Bank? Access our full analysis report here, it’s free for active Edge members.
• Regional Banks company German American Bancorp jumped 3.6%. Is now the time to buy German American Bancorp? Access our full analysis report here, it’s free for active Edge members.
• Regional Banks company Republic Bancorp jumped 3.6%. Is now the time to buy Republic Bancorp? Access our full analysis report here, it’s free for active Edge members.
• Regional Banks company TriCo Bancshares jumped 3.6%. Is now the time to buy TriCo Bancshares? Access our full analysis report here, it’s free for active Edge members.
• Regional Banks company Regions Financial jumped 3.7%. Is now the time to buy Regions Financial? Access our full analysis report here, it’s free for active Edge members.

Zooming In On Stock Yards Bank (SYBT)

Stock Yards Bank’s shares are not very volatile and have only had 8 moves greater than 5% over the last year. In that context, today’s move indicates the market considers this news meaningful, although it might not be something that would fundamentally change its perception of the business.

The previous big move we wrote about was 28 days ago when the stock gained 3% on the news that a cooler-than-expected inflation report fueled optimism for potential Federal Reserve interest rate cuts. 

The September Consumer Price Index (CPI) report indicated a 3.0% year-over-year increase in prices, just below the 3.1% that economists had forecast. While still above the Federal Reserve's 2% target, investors interpreted this softer inflation reading as a sign that price pressures are easing. This development increases the likelihood that the central bank may move to cut interest rates. Lower interest rates can benefit banks by reducing their cost of funding and potentially stimulating loan demand from businesses and consumers. The positive sentiment was widespread, contributing to a broader market rally that saw the S&P 500, Dow, and Nasdaq all reach new record highs.

Stock Yards Bank is down 8% since the beginning of the year, and at $64.66 per share, it is trading 22.1% below its 52-week high of $83.01 from July 2025. Investors who bought $1,000 worth of Stock Yards Bank’s shares 5 years ago would now be looking at an investment worth $1,580.

As the Q3 earnings season wraps, let’s dig into this quarter’s best and worst performers in the regional banks industry, including Westamerica Bancorporation and its peers.

Regional banks, financial institutions operating within specific geographic areas, serve as intermediaries between local depositors and borrowers. They benefit from rising interest rates that improve net interest margins (the difference between loan yields and deposit costs), digital transformation reducing operational expenses, and local economic growth driving loan demand. However, these banks face headwinds from fintech competition, deposit outflows to higher-yielding alternatives, credit deterioration (increasing loan defaults) during economic slowdowns, and regulatory compliance costs. Recent concerns about regional bank stability following high-profile failures and significant commercial real estate exposure present additional challenges.

The 94 regional banks stocks we track reported a satisfactory Q3. As a group, revenues missed analysts’ consensus estimates by 1.1%.

In light of this news, share prices of the companies have held steady. On average, they are relatively unchanged since the latest earnings results.

Westamerica Bancorporation

Founded in 1884 and serving communities from Mendocino County in the north to Kern County in the south, Westamerica Bancorporation provides banking services to individuals and small businesses throughout Northern and Central California.

Westamerica Bancorporation reported revenues of $63.74 million, down 14% year on year. This print exceeded analysts’ expectations by 2%. Overall, it was a strong quarter for the company with a solid beat of analysts’ net interest income estimates and a decent beat of analysts’ revenue estimates.

"Westamerica’s third quarter 2025 results benefited from the Company’s low-cost operating principles. The annualized cost of funding interest-earning loans, bonds and cash was 0.26 percent for the third quarter 2025. The Company recognized no provision for credit losses in the third quarter 2025. At September 30, 2025, nonperforming assets were $2.6 million and the allowance for credit losses on loans was $11.9 million. Westamerica operated efficiently, spending 40 percent of its revenue on operating costs in the third quarter 2025,” said Chairman, President and CEO David Payne.

Interestingly, the stock is up 3.3% since reporting and currently trades at $47.99.

Is now the time to buy Westamerica Bancorporation? Access our full analysis of the earnings results here, it’s free for active Edge members.

Best Q3: Customers Bancorp

Originally founded with a "high-tech, high-touch" branch-light banking strategy, Customers Bancorp is a bank holding company that provides commercial and consumer banking services through its Customers Bank subsidiary, with a focus on business lending and digital banking.

Customers Bancorp reported revenues of $232.1 million, up 38.5% year on year, outperforming analysts’ expectations by 7%. The business had a stunning quarter with an impressive beat of analysts’ net interest income estimates and a solid beat of analysts’ revenue estimates.

The market seems content with the results as the stock is up 2% since reporting. It currently trades at $66.83.

Is now the time to buy Customers Bancorp? Access our full analysis of the earnings results here, it’s free for active Edge members.

Weakest Q3: The Bancorp

Operating behind the scenes of many popular fintech apps and prepaid cards you might use daily, The Bancorp is a bank holding company that specializes in providing banking services to fintech companies and offering specialty lending products.

The Bancorp reported revenues of $174.6 million, up 38.8% year on year, falling short of analysts’ expectations by 10%. It was a disappointing quarter as it posted a significant miss of analysts’ revenue and net interest income estimates.

As expected, the stock is down 20.3% since the results and currently trades at $61.55.

Read our full analysis of The Bancorp’s results here.

TriCo Bancshares

Founded in 1975 and headquartered in Chico, California, TriCo Bancshares operates Tri Counties Bank, providing personal, small business, and commercial banking services through branches across California.

TriCo Bancshares reported revenues of $107.6 million, up 8.6% year on year. This number beat analysts’ expectations by 1.2%. Overall, it was a strong quarter as it also produced a beat of analysts’ EPS and tangible book value per share estimates.

The stock is up 7.5% since reporting and currently trades at $45.74.

Read our full, actionable report on TriCo Bancshares here, it’s free for active Edge members.

SouthState

With roots dating back to the Great Depression era of 1933, SouthState is a financial holding company that provides banking services, wealth management, and correspondent banking services across six southeastern states.

SouthState reported revenues of $698.8 million, up 63.9% year on year. This result topped analysts’ expectations by 6.5%. It was a stunning quarter as it also put up an impressive beat of analysts’ net interest income estimates and a solid beat of analysts’ revenue estimates.

The stock is down 5.3% since reporting and currently trades at $88.88.

Read our full, actionable report on SouthState here, it’s free for active Edge members.

TriCo Bancshares trades at $45.47 per share and has stayed right on track with the overall market, gaining 16.3% over the last six months. At the same time, the S&P 500 has returned 21.3%.

Is now a good time to buy TCBK? Find out in our full research report, it’s free for active Edge members.

Why Does TCBK Stock Spark Debate?

Founded in 1975 and headquartered in Chico, California, TriCo Bancshares operates Tri Counties Bank, providing personal, small business, and commercial banking services through branches across California.

Two Things to Like:

1. Outstanding Long-Term EPS Growth

We track the long-term change in earnings per share (EPS) because it highlights whether a company’s growth is profitable.

TriCo Bancshares’s EPS grew at an astounding 11% compounded annual growth rate over the last five years, higher than its 5.8% annualized revenue growth. This tells us the company became more profitable on a per-share basis as it expanded.

2. Growing TBVPS Reflects Strong Asset Base

In the banking industry, tangible book value per share (TBVPS) provides the clearest picture of shareholder value, as it focuses on concrete assets while excluding intangible items that may not hold value during challenging times.

TriCo Bancshares’s TBVPS increased by 6.6% annually over the last five years, and growth has recently accelerated as TBVPS grew at an excellent 16.2% annual clip over the past two years (from $22.67 to $30.61 per share).

One Reason to be Careful:

Net Interest Income Points to Soft Demand

Markets consistently prioritize net interest income over non-recurring fees, recognizing its superior quality compared to the more unpredictable revenue streams.

TriCo Bancshares’s net interest income has grown at a 6.2% annualized rate over the last five years, slightly worse than the broader banking industry and in line with its total revenue.

Final Judgment

TriCo Bancshares’s positive characteristics outweigh the negatives, but at $45.47 per share (or 1.1× forward P/B), is now the time to initiate a position? See for yourself in our full research report, it’s free for active Edge members.

Stocks We Like Even More Than TriCo Bancshares

Fresh US-China trade tensions just tanked stocks—but strong bank earnings are fueling a sharp rebound. Don’t miss the bounce.

Don’t let fear keep you from great opportunities and take a look at Top 5 Growth Stocks for this month. This is a curated list of our High Quality stocks that have generated a market-beating return of 183% over the last five years (as of March 31st 2025).

Stocks that made our list in 2020 include now familiar names such as Nvidia (+1,545% between March 2020 and March 2025) as well as under-the-radar businesses like the once-small-cap company Comfort Systems (+782% five-year return).

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