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Side-by-side financial comparison of PAMT CORP (PAMT) and TRICO BANCSHARES (TCBK). Click either name above to swap in a different company.
PAMT CORP is the larger business by last-quarter revenue ($141.3M vs $109.4M, roughly 1.3× TRICO BANCSHARES ). TRICO BANCSHARES runs the higher net margin — 251.6% vs -20.7%, a 272.3% gap on every dollar of revenue. On growth, TRICO BANCSHARES posted the faster year-over-year revenue change (9.0% vs -15.1%). TRICO BANCSHARES produced more free cash flow last quarter ($127.9M vs $-25.0M). Over the past eight quarters, TRICO BANCSHARES 's revenue compounded faster (5.4% CAGR vs -12.0%).
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.
PAMT vs TCBK — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $141.3M | $109.4M |
| Net Profit | $-29.3M | $33.6M |
| Gross Margin | — | — |
| Operating Margin | -27.0% | 42.6% |
| Net Margin | -20.7% | 251.6% |
| Revenue YoY | -15.1% | 9.0% |
| Net Profit YoY | 7.4% | 15.8% |
| EPS (diluted) | $-1.38 | $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 | $141.3M | $109.4M | ||
| Q3 25 | $150.3M | $107.6M | ||
| Q2 25 | $151.1M | $103.6M | ||
| Q1 25 | $155.3M | $98.6M | ||
| Q4 24 | $166.5M | $100.4M | ||
| Q3 24 | $182.6M | $99.1M | ||
| Q2 24 | $182.9M | $97.9M | ||
| Q1 24 | $182.6M | $98.5M |
| Q4 25 | $-29.3M | $33.6M | ||
| Q3 25 | $-5.6M | $34.0M | ||
| Q2 25 | $-9.6M | $27.5M | ||
| Q1 25 | $-8.1M | $26.4M | ||
| Q4 24 | $-31.6M | $29.0M | ||
| Q3 24 | $2.4M | $29.1M | ||
| Q2 24 | $-2.9M | $29.0M | ||
| Q1 24 | $281.0K | $27.7M |
| Q4 25 | -27.0% | 42.6% | ||
| Q3 25 | -3.8% | 43.2% | ||
| Q2 25 | -7.3% | 36.5% | ||
| Q1 25 | -5.9% | 35.8% | ||
| Q4 24 | -22.6% | 38.7% | ||
| Q3 24 | 1.3% | 39.8% | ||
| Q2 24 | -0.4% | 40.0% | ||
| Q1 24 | -0.4% | 38.3% |
| Q4 25 | -20.7% | 251.6% | ||
| Q3 25 | -3.7% | 31.6% | ||
| Q2 25 | -6.4% | 26.6% | ||
| Q1 25 | -5.2% | 26.7% | ||
| Q4 24 | -19.0% | 221.4% | ||
| Q3 24 | 1.3% | 29.3% | ||
| Q2 24 | -1.6% | 29.7% | ||
| Q1 24 | 0.2% | 28.2% |
| Q4 25 | $-1.38 | $1.02 | ||
| Q3 25 | $-0.27 | $1.04 | ||
| Q2 25 | $-0.46 | $0.84 | ||
| Q1 25 | $-0.37 | $0.80 | ||
| Q4 24 | $-1.44 | $0.88 | ||
| Q3 24 | $0.11 | $0.88 | ||
| Q2 24 | $-0.13 | $0.87 | ||
| Q1 24 | $0.01 | $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 | $83.7M | $157.0M |
| Total DebtLower is stronger | $333.9M | — |
| Stockholders' EquityBook value | $210.5M | $1.3B |
| Total Assets | $697.9M | $9.8B |
| Debt / EquityLower = less leverage | 1.59× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $83.7M | $157.0M | ||
| Q3 25 | $115.6M | $298.8M | ||
| Q2 25 | $117.3M | $314.3M | ||
| Q1 25 | $102.7M | $308.3M | ||
| Q4 24 | $110.7M | $145.0M | ||
| Q3 24 | $92.3M | $320.1M | ||
| Q2 24 | $114.0M | $206.6M | ||
| Q1 24 | $125.8M | $82.8M |
| Q4 25 | $333.9M | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $325.6M | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $210.5M | $1.3B | ||
| Q3 25 | $239.5M | $1.3B | ||
| Q2 25 | $244.9M | $1.3B | ||
| Q1 25 | $269.6M | $1.3B | ||
| Q4 24 | $277.5M | $1.2B | ||
| Q3 24 | $308.9M | $1.2B | ||
| Q2 24 | $306.7M | $1.2B | ||
| Q1 24 | $314.6M | $1.2B |
| Q4 25 | $697.9M | $9.8B | ||
| Q3 25 | $715.2M | $9.9B | ||
| Q2 25 | $707.9M | $9.9B | ||
| Q1 25 | $712.6M | $9.8B | ||
| Q4 24 | $741.7M | $9.7B | ||
| Q3 24 | $756.7M | $9.8B | ||
| Q2 24 | $733.5M | $9.7B | ||
| Q1 24 | $746.4M | $9.8B |
| Q4 25 | 1.59× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 1.17× | — | ||
| 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 | $-5.8M | $133.3M |
| Free Cash FlowOCF − Capex | $-25.0M | $127.9M |
| FCF MarginFCF / Revenue | -17.7% | 116.9% |
| Capex IntensityCapex / Revenue | 13.6% | 4.9% |
| Cash ConversionOCF / Net Profit | — | 3.96× |
| TTM Free Cash FlowTrailing 4 quarters | $-23.4M | $222.2M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-5.8M | $133.3M | ||
| Q3 25 | $5.9M | $45.1M | ||
| Q2 25 | $12.2M | $29.2M | ||
| Q1 25 | $5.0M | $24.5M | ||
| Q4 24 | $15.2M | $109.7M | ||
| Q3 24 | $15.5M | $28.6M | ||
| Q2 24 | $18.7M | $31.8M | ||
| Q1 24 | $9.6M | $25.1M |
| Q4 25 | $-25.0M | $127.9M | ||
| Q3 25 | $2.5M | $43.2M | ||
| Q2 25 | $5.9M | $28.2M | ||
| Q1 25 | $-6.8M | $22.8M | ||
| Q4 24 | $-39.9M | $105.2M | ||
| Q3 24 | $-33.6M | $27.3M | ||
| Q2 24 | $4.1M | $30.8M | ||
| Q1 24 | $-12.2M | $24.1M |
| Q4 25 | -17.7% | 116.9% | ||
| Q3 25 | 1.7% | 40.2% | ||
| Q2 25 | 3.9% | 27.2% | ||
| Q1 25 | -4.4% | 23.1% | ||
| Q4 24 | -24.0% | 104.8% | ||
| Q3 24 | -18.4% | 27.6% | ||
| Q2 24 | 2.2% | 31.5% | ||
| Q1 24 | -6.7% | 24.4% |
| Q4 25 | 13.6% | 4.9% | ||
| Q3 25 | 2.3% | 1.7% | ||
| Q2 25 | 4.2% | 1.0% | ||
| Q1 25 | 7.6% | 1.7% | ||
| Q4 24 | 33.1% | 4.5% | ||
| Q3 24 | 26.9% | 1.3% | ||
| Q2 24 | 8.0% | 1.0% | ||
| Q1 24 | 12.0% | 1.0% |
| Q4 25 | — | 3.96× | ||
| Q3 25 | — | 1.33× | ||
| Q2 25 | — | 1.06× | ||
| Q1 25 | — | 0.93× | ||
| Q4 24 | — | 3.78× | ||
| Q3 24 | 6.44× | 0.98× | ||
| Q2 24 | — | 1.10× | ||
| Q1 24 | 34.11× | 0.90× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
PAMT
| Freight Transportation Service | $123.1M | 87% |
| Fuel Surcharge | $18.2M | 13% |
TCBK
Segment breakdown not available.
