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Side-by-side financial comparison of CARRIAGE SERVICES INC (CSV) and TRICO BANCSHARES (TCBK). Click either name above to swap in a different company.
TRICO BANCSHARES is the larger business by last-quarter revenue ($109.4M vs $105.5M, roughly 1.0× CARRIAGE SERVICES INC). TRICO BANCSHARES runs the higher net margin — 251.6% vs 11.6%, a 240.0% gap on every dollar of revenue. On growth, TRICO BANCSHARES posted the faster year-over-year revenue change (9.0% vs 8.0%). TRICO BANCSHARES produced more free cash flow last quarter ($127.9M vs $6.2M). Over the past eight quarters, TRICO BANCSHARES 's revenue compounded faster (5.4% CAGR vs 1.0%).
Jardine Cycle & Carriage Limited is the investment holding company of Jardines in Southeast Asia. It is currently 75% held by the conglomerate.
Trico Bancshares is a U.S.-headquartered regional bank holding company operating Tri Counties Bank. It offers a full range of retail and commercial banking services including deposit products, mortgages, small business loans, and wealth management, primarily serving consumers and SMEs in Northern California.
CSV vs TCBK — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $105.5M | $109.4M |
| Net Profit | $12.3M | $33.6M |
| Gross Margin | 34.8% | — |
| Operating Margin | 23.3% | 42.6% |
| Net Margin | 11.6% | 251.6% |
| Revenue YoY | 8.0% | 9.0% |
| Net Profit YoY | 24.5% | 15.8% |
| EPS (diluted) | $0.76 | $1.02 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $105.5M | $109.4M | ||
| Q3 25 | $102.7M | $107.6M | ||
| Q2 25 | $102.1M | $103.6M | ||
| Q1 25 | $107.1M | $98.6M | ||
| Q4 24 | $97.7M | $100.4M | ||
| Q3 24 | $100.7M | $99.1M | ||
| Q2 24 | $102.3M | $97.9M | ||
| Q1 24 | $103.5M | $98.5M |
| Q4 25 | $12.3M | $33.6M | ||
| Q3 25 | $6.6M | $34.0M | ||
| Q2 25 | $11.7M | $27.5M | ||
| Q1 25 | $20.9M | $26.4M | ||
| Q4 24 | $9.9M | $29.0M | ||
| Q3 24 | $9.9M | $29.1M | ||
| Q2 24 | $6.3M | $29.0M | ||
| Q1 24 | $7.0M | $27.7M |
| Q4 25 | 34.8% | — | ||
| Q3 25 | 35.3% | — | ||
| Q2 25 | 35.2% | — | ||
| Q1 25 | 35.3% | — | ||
| Q4 24 | 34.4% | — | ||
| Q3 24 | 35.2% | — | ||
| Q2 24 | 36.2% | — | ||
| Q1 24 | 36.0% | — |
| Q4 25 | 23.3% | 42.6% | ||
| Q3 25 | 17.0% | 43.2% | ||
| Q2 25 | 23.5% | 36.5% | ||
| Q1 25 | 29.5% | 35.8% | ||
| Q4 24 | 21.6% | 38.7% | ||
| Q3 24 | 22.7% | 39.8% | ||
| Q2 24 | 18.0% | 40.0% | ||
| Q1 24 | 18.8% | 38.3% |
| Q4 25 | 11.6% | 251.6% | ||
| Q3 25 | 6.4% | 31.6% | ||
| Q2 25 | 11.5% | 26.6% | ||
| Q1 25 | 19.5% | 26.7% | ||
| Q4 24 | 10.1% | 221.4% | ||
| Q3 24 | 9.8% | 29.3% | ||
| Q2 24 | 6.1% | 29.7% | ||
| Q1 24 | 6.7% | 28.2% |
| Q4 25 | $0.76 | $1.02 | ||
| Q3 25 | $0.41 | $1.04 | ||
| Q2 25 | $0.74 | $0.84 | ||
| Q1 25 | $1.34 | $0.80 | ||
| Q4 24 | $0.62 | $0.88 | ||
| Q3 24 | $0.63 | $0.88 | ||
| Q2 24 | $0.40 | $0.87 | ||
| Q1 24 | $0.45 | $0.83 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $1.7M | $157.0M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $254.8M | $1.3B |
| Total Assets | $1.3B | $9.8B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $1.7M | $157.0M | ||
| Q3 25 | $1.2M | $298.8M | ||
| Q2 25 | $1.4M | $314.3M | ||
| Q1 25 | $4.6M | $308.3M | ||
| Q4 24 | $1.2M | $145.0M | ||
| Q3 24 | $1.3M | $320.1M | ||
| Q2 24 | $1.5M | $206.6M | ||
| Q1 24 | $1.7M | $82.8M |
| Q4 25 | $254.8M | $1.3B | ||
| Q3 25 | $242.1M | $1.3B | ||
| Q2 25 | $235.4M | $1.3B | ||
| Q1 25 | $223.1M | $1.3B | ||
| Q4 24 | $208.6M | $1.2B | ||
| Q3 24 | $198.1M | $1.2B | ||
| Q2 24 | $187.9M | $1.2B | ||
| Q1 24 | $179.6M | $1.2B |
| Q4 25 | $1.3B | $9.8B | ||
| Q3 25 | $1.3B | $9.9B | ||
| Q2 25 | $1.3B | $9.9B | ||
| Q1 25 | $1.3B | $9.8B | ||
| Q4 24 | $1.3B | $9.7B | ||
| Q3 24 | $1.3B | $9.8B | ||
| Q2 24 | $1.3B | $9.7B | ||
| Q1 24 | $1.3B | $9.8B |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $14.1M | $133.3M |
| Free Cash FlowOCF − Capex | $6.2M | $127.9M |
| FCF MarginFCF / Revenue | 5.9% | 116.9% |
| Capex IntensityCapex / Revenue | 7.5% | 4.9% |
| Cash ConversionOCF / Net Profit | 1.15× | 3.96× |
| TTM Free Cash FlowTrailing 4 quarters | $40.1M | $222.2M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $14.1M | $133.3M | ||
| Q3 25 | $24.7M | $45.1M | ||
| Q2 25 | $8.1M | $29.2M | ||
| Q1 25 | $13.8M | $24.5M | ||
| Q4 24 | $9.3M | $109.7M | ||
| Q3 24 | $20.9M | $28.6M | ||
| Q2 24 | $2.2M | $31.8M | ||
| Q1 24 | $19.7M | $25.1M |
| Q4 25 | $6.2M | $127.9M | ||
| Q3 25 | $18.0M | $43.2M | ||
| Q2 25 | $5.2M | $28.2M | ||
| Q1 25 | $10.6M | $22.8M | ||
| Q4 24 | $4.9M | $105.2M | ||
| Q3 24 | $16.2M | $27.3M | ||
| Q2 24 | $-1.4M | $30.8M | ||
| Q1 24 | $16.2M | $24.1M |
| Q4 25 | 5.9% | 116.9% | ||
| Q3 25 | 17.5% | 40.2% | ||
| Q2 25 | 5.1% | 27.2% | ||
| Q1 25 | 9.9% | 23.1% | ||
| Q4 24 | 5.0% | 104.8% | ||
| Q3 24 | 16.1% | 27.6% | ||
| Q2 24 | -1.4% | 31.5% | ||
| Q1 24 | 15.6% | 24.4% |
| Q4 25 | 7.5% | 4.9% | ||
| Q3 25 | 6.5% | 1.7% | ||
| Q2 25 | 2.8% | 1.0% | ||
| Q1 25 | 3.0% | 1.7% | ||
| Q4 24 | 4.5% | 4.5% | ||
| Q3 24 | 4.6% | 1.3% | ||
| Q2 24 | 3.5% | 1.0% | ||
| Q1 24 | 3.4% | 1.0% |
| Q4 25 | 1.15× | 3.96× | ||
| Q3 25 | 3.76× | 1.33× | ||
| Q2 25 | 0.69× | 1.06× | ||
| Q1 25 | 0.66× | 0.93× | ||
| Q4 24 | 0.94× | 3.78× | ||
| Q3 24 | 2.11× | 0.98× | ||
| Q2 24 | 0.34× | 1.10× | ||
| Q1 24 | 2.83× | 0.90× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CSV
| Propertyand Merchandise | $47.8M | 45% |
| Cemetery Interment Rights | $24.8M | 23% |
| Merchandise | $18.9M | 18% |
| Other Revenue | $10.2M | 10% |
| Other | $3.9M | 4% |
TCBK
Segment breakdown not available.
