TriCo Bancshares (NASDAQ:TCBK – Get Free Report) and U.S.A Bank (OTCMKTS:USBK – Get Free Report) are both finance companies, but which is the better business? We will contrast the two companies based on the strength of their valuation, risk, dividends, analyst recommendations, profitability, institutional ownership and earnings.
Earnings & Valuation
This table compares TriCo Bancshares and U.S.A Bank’s gross revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| TriCo Bancshares | $499.75 million | 2.63 | $117.39 million | $3.28 | 12.06 |
| U.S.A Bank | N/A | N/A | N/A | N/A | N/A |
TriCo Bancshares has higher revenue and earnings than U.S.A Bank.
Risk & Volatility
TriCo Bancshares has a beta of 0.56, meaning that its share price is 44% less volatile than the S&P 500. Comparatively, U.S.A Bank has a beta of -24.99, meaning that its share price is 2,599% less volatile than the S&P 500.
Profitability
This table compares TriCo Bancshares and U.S.A Bank’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| TriCo Bancshares | 21.25% | 9.75% | 1.11% |
| U.S.A Bank | N/A | N/A | N/A |
Analyst Ratings
This is a breakdown of recent ratings and price targets for TriCo Bancshares and U.S.A Bank, as provided by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| TriCo Bancshares | 0 | 1 | 3 | 0 | 2.75 |
| U.S.A Bank | 0 | 0 | 0 | 0 | N/A |
TriCo Bancshares presently has a consensus price target of $42.00, suggesting a potential upside of 6.14%. Given TriCo Bancshares’ higher possible upside, research analysts clearly believe TriCo Bancshares is more favorable than U.S.A Bank.
Institutional & Insider Ownership
59.1% of TriCo Bancshares shares are owned by institutional investors. 4.6% of TriCo Bancshares shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.
Summary
TriCo Bancshares beats U.S.A Bank on 9 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 U.S.A Bank
As of July 10, 2010, U.S.A Bank was acquired by Customers Bank (Phoenixville, Pennsylvania). U.S.A Bank operates as a community bank in New York. It offers deposit products, Internet banking, ATM cards, consumer loans, and residential and commercial loans. U.S.A Bank was founded in 2005 and is based in Port Chester, New York.
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