Trico Bancshares Q2 EPS beats estimates as margins expand
Overview
Trico Bancshares Q2 net income at $27.5 mln, EPS beats estimates
Net interest income rises 4.8% qtr/qtr, net interest margin improves
Loan and deposit balances increase, boosting financial performance
Outlook
Company expects balance sheet growth to drive net interest income in 2025
Company's net interest margin outlook remains stable with yield improvements
Company remains confident in portfolio performance meeting high standards
Company focused on improving operating leverage despite rising personnel costs
Result Drivers
LOAN GROWTH - Loans increased by $138.2 mln or 8.1% annualized, driven by new originations and improved economic conditions
DEPOSIT INCREASE - Deposits rose by $170.5 mln or 8.3% annualized, supported by demand and savings accounts
MARGIN EXPANSION - Net interest margin improved to 3.88%, up 15 bps over trailing quarter, aided by higher asset yields and lower funding costs
Key Details
Metric | Beat/Miss | Actual | Consensus Estimate |
Q2 EPS | Beat | $0.84 | $0.81 (6 Analysts) |
Q2 Net Income |
| $27.54 mln |
|
Q2 Net Interest Income |
| $86.52 mln |
|
Q2 Credit Loss Provision |
| $4.7 mln |
|
Press Release: ID:nBw11xHrMa
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