TCBKTRICO BANCSHARES /
State Commercial Banks
- Revenue
- $53M
- 4.1% YoY
- Operating margin
- —
- EBITDA
- —
- Market cap
- —
- Employees
- —
- Net debt / EBITDA
- —
- AI in 10-K
- —
Red flags 0 of 9
- TSR below peersClear—3+ of last 5 years
- High CEO pay despite TSRClear—Median CEO pay ≥ $15M and TSR flag
- Active 13DClear0 filingsActive-intent 13D in 18 months
- Net insider sellingClear$0 netNet sales over $10M in 12 months
- Earnings not backed by cashClear110% of net incomeCash flow under 80% of net income
- Dilutive SBCClear9% of revenueOver 10% of revenue
- Payouts exceed cash flowClear58% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyClear3% of assetsOver 40% of assets
- Shareholder dissentClear—Any vote under 80% support
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Revenue | $44M | $50M | $50M | $51M | $53M | 4.1% |
| Net income | $118M | $125M | $117M | $115M | $122M | 5.8% |
| Operating cash flow | $132M | $163M | $139M | $110M | $133M | 21% |
| Capex | $3M | $4M | $5M | $5M | $5M | 18% |
| Stock-based comp | $3M | $4M | $4M | $5M | $5M | 2.0% |
| Buybacks | $4M | $27M | $9M | $16M | $32M | 106% |
| Dividends | $30M | $36M | $40M | $44M | $45M | 3.2% |
Deal filings
None.
13D filers
None on file.
Insider trading
No open-market trades in the last 12 months.
Pay vs performance
| Year | CEO total comp | Comp actually paid | TSR (indexed) | Peer TSR |
|---|---|---|---|---|
| FY2025 | $3M | $4M | 155 | 132 |
| FY2024 | $3M | $3M | 123 | 109 |
| FY2023 | $3M | $2M | 117 | 81 |
| FY2022 | $3M | $7M | 135 | 84 |
| FY2021 | $3M | $4M | 111 | 110 |