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Side-by-side financial comparison of H2O AMERICA (HTO) and TRICO BANCSHARES (TCBK). Click either name above to swap in a different company.
H2O AMERICA is the larger business by last-quarter revenue ($199.4M vs $109.4M, roughly 1.8× TRICO BANCSHARES ). TRICO BANCSHARES runs the higher net margin — 251.6% vs 8.1%, a 243.5% gap on every dollar of revenue. On growth, TRICO BANCSHARES posted the faster year-over-year revenue change (9.0% vs 1.5%). Over the past eight quarters, H2O AMERICA's revenue compounded faster (15.3% CAGR vs 5.4%).
H2O Wireless is a United States-based prepaid cell phone service, that utilizes the AT&T network. It is a brand of the mobile virtual network operator (MVNO) Locus Telecommunications, a subsidiary of Telrite Holdings, Inc., since 2019. Locus was formerly a subsidiary of KDDI America corporation, starting in 2010. H2O Wireless is primarily advertised as a non-restrictive phone service for customers to bring or buy unlocked smartphones, although AT&T contract/locked phones may be accepted as well.
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.
HTO vs TCBK — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $199.4M | $109.4M |
| Net Profit | $16.2M | $33.6M |
| Gross Margin | — | — |
| Operating Margin | 16.6% | 42.6% |
| Net Margin | 8.1% | 251.6% |
| Revenue YoY | 1.5% | 9.0% |
| Net Profit YoY | -29.2% | 15.8% |
| EPS (diluted) | $0.45 | $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 | $199.4M | $109.4M | ||
| Q3 25 | $243.5M | $107.6M | ||
| Q2 25 | $197.8M | $103.6M | ||
| Q1 25 | $164.9M | $98.6M | ||
| Q4 24 | $196.5M | $100.4M | ||
| Q3 24 | $216.7M | $99.1M | ||
| Q2 24 | $173.1M | $97.9M | ||
| Q1 24 | $150.0M | $98.5M |
| Q4 25 | $16.2M | $33.6M | ||
| Q3 25 | $45.1M | $34.0M | ||
| Q2 25 | $24.7M | $27.5M | ||
| Q1 25 | $16.6M | $26.4M | ||
| Q4 24 | $22.9M | $29.0M | ||
| Q3 24 | $38.7M | $29.1M | ||
| Q2 24 | $20.7M | $29.0M | ||
| Q1 24 | $11.7M | $27.7M |
| Q4 25 | 16.6% | 42.6% | ||
| Q3 25 | 26.5% | 43.2% | ||
| Q2 25 | 22.2% | 36.5% | ||
| Q1 25 | 21.8% | 35.8% | ||
| Q4 24 | 22.2% | 38.7% | ||
| Q3 24 | 26.9% | 39.8% | ||
| Q2 24 | 23.4% | 40.0% | ||
| Q1 24 | 18.6% | 38.3% |
| Q4 25 | 8.1% | 251.6% | ||
| Q3 25 | 18.5% | 31.6% | ||
| Q2 25 | 12.5% | 26.6% | ||
| Q1 25 | 10.0% | 26.7% | ||
| Q4 24 | 11.7% | 221.4% | ||
| Q3 24 | 17.8% | 29.3% | ||
| Q2 24 | 12.0% | 29.7% | ||
| Q1 24 | 7.8% | 28.2% |
| Q4 25 | $0.45 | $1.02 | ||
| Q3 25 | $1.27 | $1.04 | ||
| Q2 25 | $0.71 | $0.84 | ||
| Q1 25 | $0.49 | $0.80 | ||
| Q4 24 | $0.70 | $0.88 | ||
| Q3 24 | $1.17 | $0.88 | ||
| Q2 24 | $0.64 | $0.87 | ||
| Q1 24 | $0.36 | $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 | $20.7M | $157.0M |
| Total DebtLower is stronger | $1.9B | — |
| Stockholders' EquityBook value | $1.5B | $1.3B |
| Total Assets | $5.1B | $9.8B |
| Debt / EquityLower = less leverage | 1.23× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $20.7M | $157.0M | ||
| Q3 25 | $11.3M | $298.8M | ||
| Q2 25 | $19.8M | $314.3M | ||
| Q1 25 | $23.7M | $308.3M | ||
| Q4 24 | $11.1M | $145.0M | ||
| Q3 24 | $4.0M | $320.1M | ||
| Q2 24 | $22.8M | $206.6M | ||
| Q1 24 | $4.5M | $82.8M |
| Q4 25 | $1.9B | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $1.7B | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $1.5B | $1.3B | ||
| Q3 25 | $1.5B | $1.3B | ||
| Q2 25 | $1.5B | $1.3B | ||
| Q1 25 | $1.4B | $1.3B | ||
| Q4 24 | $1.4B | $1.2B | ||
| Q3 24 | $1.3B | $1.2B | ||
| Q2 24 | $1.3B | $1.2B | ||
| Q1 24 | $1.2B | $1.2B |
| Q4 25 | $5.1B | $9.8B | ||
| Q3 25 | $5.0B | $9.9B | ||
| Q2 25 | $4.8B | $9.9B | ||
| Q1 25 | $4.7B | $9.8B | ||
| Q4 24 | $4.7B | $9.7B | ||
| Q3 24 | $4.6B | $9.8B | ||
| Q2 24 | $4.4B | $9.7B | ||
| Q1 24 | $4.4B | $9.8B |
| Q4 25 | 1.23× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 1.26× | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $63.5M | $133.3M |
| Free Cash FlowOCF − Capex | — | $127.9M |
| FCF MarginFCF / Revenue | — | 116.9% |
| Capex IntensityCapex / Revenue | — | 4.9% |
| Cash ConversionOCF / Net Profit | 3.92× | 3.96× |
| TTM Free Cash FlowTrailing 4 quarters | — | $222.2M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $63.5M | $133.3M | ||
| Q3 25 | $77.3M | $45.1M | ||
| Q2 25 | $60.8M | $29.2M | ||
| Q1 25 | $43.2M | $24.5M | ||
| Q4 24 | $41.5M | $109.7M | ||
| Q3 24 | $53.5M | $28.6M | ||
| Q2 24 | $49.3M | $31.8M | ||
| Q1 24 | $51.2M | $25.1M |
| Q4 25 | — | $127.9M | ||
| Q3 25 | — | $43.2M | ||
| Q2 25 | — | $28.2M | ||
| Q1 25 | — | $22.8M | ||
| Q4 24 | — | $105.2M | ||
| Q3 24 | — | $27.3M | ||
| Q2 24 | — | $30.8M | ||
| Q1 24 | — | $24.1M |
| Q4 25 | — | 116.9% | ||
| Q3 25 | — | 40.2% | ||
| Q2 25 | — | 27.2% | ||
| Q1 25 | — | 23.1% | ||
| Q4 24 | — | 104.8% | ||
| Q3 24 | — | 27.6% | ||
| Q2 24 | — | 31.5% | ||
| Q1 24 | — | 24.4% |
| Q4 25 | — | 4.9% | ||
| Q3 25 | — | 1.7% | ||
| Q2 25 | — | 1.0% | ||
| Q1 25 | — | 1.7% | ||
| Q4 24 | — | 4.5% | ||
| Q3 24 | — | 1.3% | ||
| Q2 24 | — | 1.0% | ||
| Q1 24 | — | 1.0% |
| Q4 25 | 3.92× | 3.96× | ||
| Q3 25 | 1.71× | 1.33× | ||
| Q2 25 | 2.47× | 1.06× | ||
| Q1 25 | 2.61× | 0.93× | ||
| Q4 24 | 1.81× | 3.78× | ||
| Q3 24 | 1.39× | 0.98× | ||
| Q2 24 | 2.38× | 1.10× | ||
| Q1 24 | 4.38× | 0.90× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
HTO
| Water Utility Services | $191.0M | 96% |
| Other | $8.4M | 4% |
TCBK
Segment breakdown not available.
