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Side-by-side financial comparison of CPI Card Group Inc. (PMTS) and TRICO BANCSHARES (TCBK). Click either name above to swap in a different company.
CPI Card Group Inc. is the larger business by last-quarter revenue ($153.1M vs $109.4M, roughly 1.4× TRICO BANCSHARES ). TRICO BANCSHARES runs the higher net margin — 251.6% vs 4.8%, a 246.8% gap on every dollar of revenue. On growth, CPI Card Group Inc. posted the faster year-over-year revenue change (22.3% vs 9.0%). TRICO BANCSHARES produced more free cash flow last quarter ($127.9M vs $35.2M). Over the past eight quarters, CPI Card Group Inc.'s revenue compounded faster (16.9% CAGR vs 5.4%).
CPI Card Group Inc. is a leading provider of payment card production and associated solutions, including contactless and contact credit/debit cards, prepaid cards, and card personalization services. It primarily serves financial institutions, fintech firms, and retail brands across its core North American market.
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.
PMTS vs TCBK — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $153.1M | $109.4M |
| Net Profit | $7.3M | $33.6M |
| Gross Margin | 31.5% | — |
| Operating Margin | 12.0% | 42.6% |
| Net Margin | 4.8% | 251.6% |
| Revenue YoY | 22.3% | 9.0% |
| Net Profit YoY | 8.5% | 15.8% |
| EPS (diluted) | $0.62 | $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 | $153.1M | $109.4M | ||
| Q3 25 | $138.0M | $107.6M | ||
| Q2 25 | $129.8M | $103.6M | ||
| Q1 25 | $122.8M | $98.6M | ||
| Q4 24 | $125.1M | $100.4M | ||
| Q3 24 | $124.8M | $99.1M | ||
| Q2 24 | $118.8M | $97.9M | ||
| Q1 24 | $111.9M | $98.5M |
| Q4 25 | $7.3M | $33.6M | ||
| Q3 25 | $2.3M | $34.0M | ||
| Q2 25 | $518.0K | $27.5M | ||
| Q1 25 | $4.8M | $26.4M | ||
| Q4 24 | $6.8M | $29.0M | ||
| Q3 24 | $1.3M | $29.1M | ||
| Q2 24 | $6.0M | $29.0M | ||
| Q1 24 | $5.5M | $27.7M |
| Q4 25 | 31.5% | — | ||
| Q3 25 | 29.7% | — | ||
| Q2 25 | 30.9% | — | ||
| Q1 25 | 33.2% | — | ||
| Q4 24 | 34.1% | — | ||
| Q3 24 | 35.8% | — | ||
| Q2 24 | 35.7% | — | ||
| Q1 24 | 37.1% | — |
| Q4 25 | 12.0% | 42.6% | ||
| Q3 25 | 9.4% | 43.2% | ||
| Q2 25 | 7.3% | 36.5% | ||
| Q1 25 | 11.5% | 35.8% | ||
| Q4 24 | 12.7% | 38.7% | ||
| Q3 24 | 14.3% | 39.8% | ||
| Q2 24 | 12.5% | 40.0% | ||
| Q1 24 | 12.6% | 38.3% |
| Q4 25 | 4.8% | 251.6% | ||
| Q3 25 | 1.7% | 31.6% | ||
| Q2 25 | 0.4% | 26.6% | ||
| Q1 25 | 3.9% | 26.7% | ||
| Q4 24 | 5.4% | 221.4% | ||
| Q3 24 | 1.0% | 29.3% | ||
| Q2 24 | 5.1% | 29.7% | ||
| Q1 24 | 4.9% | 28.2% |
| Q4 25 | $0.62 | $1.02 | ||
| Q3 25 | $0.19 | $1.04 | ||
| Q2 25 | $0.04 | $0.84 | ||
| Q1 25 | $0.40 | $0.80 | ||
| Q4 24 | $0.56 | $0.88 | ||
| Q3 24 | $0.11 | $0.88 | ||
| Q2 24 | $0.51 | $0.87 | ||
| Q1 24 | $0.46 | $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 | $21.7M | $157.0M |
| Total DebtLower is stronger | $286.7M | — |
| Stockholders' EquityBook value | $-17.3M | $1.3B |
| Total Assets | $403.2M | $9.8B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $21.7M | $157.0M | ||
| Q3 25 | $16.0M | $298.8M | ||
| Q2 25 | $17.1M | $314.3M | ||
| Q1 25 | $31.5M | $308.3M | ||
| Q4 24 | $33.5M | $145.0M | ||
| Q3 24 | $14.7M | $320.1M | ||
| Q2 24 | $7.5M | $206.6M | ||
| Q1 24 | $17.1M | $82.8M |
| Q4 25 | $286.7M | — | ||
| Q3 25 | $308.4M | — | ||
| Q2 25 | $310.9M | — | ||
| Q1 25 | $280.7M | — | ||
| Q4 24 | $280.4M | — | ||
| Q3 24 | $280.2M | — | ||
| Q2 24 | $269.7M | — | ||
| Q1 24 | $265.3M | — |
| Q4 25 | $-17.3M | $1.3B | ||
| Q3 25 | $-25.7M | $1.3B | ||
| Q2 25 | $-29.0M | $1.3B | ||
| Q1 25 | $-29.7M | $1.3B | ||
| Q4 24 | $-35.6M | $1.2B | ||
| Q3 24 | $-42.8M | $1.2B | ||
| Q2 24 | $-44.6M | $1.2B | ||
| Q1 24 | $-48.5M | $1.2B |
| Q4 25 | $403.2M | $9.8B | ||
| Q3 25 | $407.1M | $9.9B | ||
| Q2 25 | $399.8M | $9.9B | ||
| Q1 25 | $351.9M | $9.8B | ||
| Q4 24 | $349.7M | $9.7B | ||
| Q3 24 | $342.3M | $9.8B | ||
| Q2 24 | $321.4M | $9.7B | ||
| Q1 24 | $319.8M | $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 | $39.6M | $133.3M |
| Free Cash FlowOCF − Capex | $35.2M | $127.9M |
| FCF MarginFCF / Revenue | 23.0% | 116.9% |
| Capex IntensityCapex / Revenue | 2.9% | 4.9% |
| Cash ConversionOCF / Net Profit | 5.39× | 3.96× |
| TTM Free Cash FlowTrailing 4 quarters | $41.3M | $222.2M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $39.6M | $133.3M | ||
| Q3 25 | $10.0M | $45.1M | ||
| Q2 25 | $4.3M | $29.2M | ||
| Q1 25 | $5.6M | $24.5M | ||
| Q4 24 | $26.7M | $109.7M | ||
| Q3 24 | $12.5M | $28.6M | ||
| Q2 24 | $-4.8M | $31.8M | ||
| Q1 24 | $8.9M | $25.1M |
| Q4 25 | $35.2M | $127.9M | ||
| Q3 25 | $5.3M | $43.2M | ||
| Q2 25 | $533.0K | $28.2M | ||
| Q1 25 | $292.0K | $22.8M | ||
| Q4 24 | $21.6M | $105.2M | ||
| Q3 24 | $11.1M | $27.3M | ||
| Q2 24 | $-6.0M | $30.8M | ||
| Q1 24 | $7.4M | $24.1M |
| Q4 25 | 23.0% | 116.9% | ||
| Q3 25 | 3.8% | 40.2% | ||
| Q2 25 | 0.4% | 27.2% | ||
| Q1 25 | 0.2% | 23.1% | ||
| Q4 24 | 17.3% | 104.8% | ||
| Q3 24 | 8.9% | 27.6% | ||
| Q2 24 | -5.0% | 31.5% | ||
| Q1 24 | 6.6% | 24.4% |
| Q4 25 | 2.9% | 4.9% | ||
| Q3 25 | 3.4% | 1.7% | ||
| Q2 25 | 2.9% | 1.0% | ||
| Q1 25 | 4.3% | 1.7% | ||
| Q4 24 | 4.0% | 4.5% | ||
| Q3 24 | 1.2% | 1.3% | ||
| Q2 24 | 1.0% | 1.0% | ||
| Q1 24 | 1.3% | 1.0% |
| Q4 25 | 5.39× | 3.96× | ||
| Q3 25 | 4.32× | 1.33× | ||
| Q2 25 | 8.39× | 1.06× | ||
| Q1 25 | 1.17× | 0.93× | ||
| Q4 24 | 3.94× | 3.78× | ||
| Q3 24 | 9.70× | 0.98× | ||
| Q2 24 | -0.79× | 1.10× | ||
| Q1 24 | 1.63× | 0.90× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
PMTS
| US Debit And Credit | $128.9M | 84% |
| US Prepaid Debit | $24.4M | 16% |
TCBK
Segment breakdown not available.
