Short answer
TRICO BANCSHARES / (TCBK) filed its fiscal 2025 10-K annual report with the SEC on Mar 2, 2026. It reported revenue of $53M (+4.1% year over year) and net income of $122M.
- Top risk flagged: Cybersecurity risk from zero-day MOVEit Transfer vulnerability exploited in 2023 at third-party vendor
FY2025 key financial metrics · XBRL
- Revenue
- $53M
- +4.1% YoY
- Net income
- $122M
- +5.8% YoY
- EPS (diluted)
- $3.70
- +6.9% YoY
- ROE
- 9.2%
- −0.3 pp YoY
- Operating cash flow
- $133M
- +21.5% YoY
Source: XBRL data from the TRICO BANCSHARES / (TCBK) FY2025 10-K on SEC EDGAR. USD.
TRICO BANCSHARES / FY2025 10-K analysis
AI summary of each section, grounded in the filing text
Business Overview
- Core business model: Regional banking focusing on loans and investments as primary revenue sources
- No new products or segments introduced; sustained emphasis on mortgage servicing rights with fair value ~$6.64 million
- Strategic shift: Repayment of $59.95 million junior subordinated debt in 2025 enhancing capital structure
- Notable metric: Net income increased to $121.56 million in 2025 from $114.87 million in 2024
- Unusual fact: Unrealized gains on available-for-sale securities rose $57.88 million in 2025 versus a $1.29 million loss prior year
Management Discussion & Analysis
- No forward-looking guidance or emerging risk discussion included
Risk Factors
- Cybersecurity risk from zero-day MOVEit Transfer vulnerability exploited in 2023 at third-party vendor
- Operational risk from insider access and compromised credentials enabling fraud and unauthorized customer data access
- Third-party vendor system vulnerabilities creating exposure to confidential customer information theft
Generated from the filing text; verify against the original. How to read a 10-K
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