Reviewing TriCo Bancshares (NASDAQ:TCBK) & First Republic Bank (OTCMKTS:FRCB)

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

Insider & Institutional Ownership

0.0% of First Republic Bank shares are owned by institutional investors. Comparatively, 59.1% of TriCo Bancshares shares are owned by institutional investors. 0.7% of First Republic Bank shares are owned by insiders. Comparatively, 4.8% of TriCo Bancshares shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
First Republic Bank	N/A	N/A	N/A
TriCo Bancshares	21.87%	9.27%	1.19%

Analyst Recommendations

This is a breakdown of recent ratings for First Republic Bank and TriCo Bancshares, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
First Republic Bank	0	0	0	0	0.00
TriCo Bancshares	0	4	3	0	2.43

TriCo Bancshares has a consensus target price of $48.60, indicating a potential upside of 0.60%. Given TriCo Bancshares’ stronger consensus rating and higher possible upside, analysts clearly believe TriCo Bancshares is more favorable than First Republic Bank.

Valuation and Earnings

This table compares First Republic Bank and TriCo Bancshares”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
First Republic Bank	$6.75 billion	N/A	$1.67 billion	$5.32	0.00
TriCo Bancshares	$531.04 million	2.96	$114.87 million	$3.56	13.57

First Republic Bank has higher revenue and earnings than TriCo Bancshares. First Republic Bank is trading at a lower price-to-earnings ratio than TriCo Bancshares, indicating that it is currently the more affordable of the two stocks.

Risk and Volatility

First Republic Bank has a beta of 2.39, indicating that its stock price is 139% more volatile than the S&P 500. Comparatively, TriCo Bancshares has a beta of 0.64, indicating that its stock price is 36% less volatile than the S&P 500.

Summary

TriCo Bancshares beats First Republic Bank on 9 of the 13 factors compared between the two stocks.

About First Republic Bank

As of May 1, 2023, First Republic Bank went out of business. Previously, First Republic Bank provided private banking, private business banking, and private wealth management services to clients in metropolitan areas in the United States. The company was founded in 1985 and was headquartered in San Francisco, California. First Republic Bank now trades on OTCPK.

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.