Head-To-Head Analysis: TriCo Bancshares (NASDAQ:TCBK) & City Bank (OTCMKTS:CTBK)

TriCo Bancshares (NASDAQ:TCBK) and City Bank (OTCMKTS:CTBK) are both finance companies, but which is the better business? We will contrast the two businesses based on the strength of their analyst recommendations, earnings, risk, valuation, profitability, institutional ownership and dividends.

Earnings & Valuation

This table compares TriCo Bancshares and City Bank”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
TriCo Bancshares	$538.91 million	3.03	$121.56 million	$3.95	12.97
City Bank	N/A	N/A	N/A	N/A	N/A

TriCo Bancshares has higher revenue and earnings than City Bank.

Profitability

This table compares TriCo Bancshares and City Bank’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
TriCo Bancshares	23.71%	9.87%	1.30%
City Bank	N/A	N/A	N/A

Analyst Recommendations

This is a summary of current ratings for TriCo Bancshares and City Bank, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
TriCo Bancshares	0	3	4	0	2.57
City Bank	0	0	0	0	0.00

TriCo Bancshares currently has a consensus target price of $54.60, indicating a potential upside of 6.56%. Given TriCo Bancshares’ stronger consensus rating and higher possible upside, equities analysts clearly believe TriCo Bancshares is more favorable than City Bank.

Insider & Institutional Ownership

59.1% of TriCo Bancshares shares are owned by institutional investors. 4.9% of TriCo Bancshares shares are owned by company insiders. Comparatively, 37.5% of City Bank shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

Summary

TriCo Bancshares beats City Bank on 8 of the 9 factors compared between the two stocks.

About TriCo Bancshares

TriCo Bancshares operates as a bank holding company for Tri Counties Bank that provides commercial banking services to individual and corporate customers. The company accepts demand, savings, and time deposits. It also provides small business loans; real estate mortgage loans, such as residential and commercial loans; consumer loans; mortgage, auto, other vehicle, and personal loans; commercial loans, including agricultural loans; and real estate construction loans. In addition, the company offers treasury management services; credit and debit cards; and other customary banking services, including safe deposit boxes; and independent financial and broker-dealer services. Further, it provides checking, saving, and money market accounts, as well as individual retirement accounts; equipment financing; certificate of deposit account registry service; certificated of deposit; and IntraFi cash service. TriCo Bancshares was founded in 1975 and is headquartered in Chico, California.

About City Bank

As of April 17, 2010, City Bank was acquired by Whidbey Island Bank. City Bank offers commercial banking services. The company was incorporated in 1974 and is headquartered in Lynnwood, Washington.