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Side-by-side financial comparison of TRICO BANCSHARES (TCBK) and Wheels Up Experience Inc. (UP). Click either name above to swap in a different company.
Wheels Up Experience Inc. is the larger business by last-quarter revenue ($183.8M vs $109.4M, roughly 1.7× TRICO BANCSHARES ). TRICO BANCSHARES runs the higher net margin — 251.6% vs -15.7%, a 267.3% gap on every dollar of revenue. On growth, TRICO BANCSHARES posted the faster year-over-year revenue change (9.0% vs -10.2%). TRICO BANCSHARES produced more free cash flow last quarter ($127.9M vs $-58.3M). Over the past eight quarters, TRICO BANCSHARES 's revenue compounded faster (5.4% CAGR vs -3.4%).
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.
Wheels Up is a provider of "on demand" private aviation in the United States and one of the largest private aviation companies in the world. It was founded in 2013 by Kenny Dichter, using a membership/on-demand business model. Wheels Up members can book private aircraft from the company fleet and third-party operators using a mobile application.
TCBK vs UP — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $109.4M | $183.8M |
| Net Profit | $33.6M | $-28.9M |
| Gross Margin | — | 14.3% |
| Operating Margin | 42.6% | -0.9% |
| Net Margin | 251.6% | -15.7% |
| Revenue YoY | 9.0% | -10.2% |
| Net Profit YoY | 15.8% | 67.0% |
| EPS (diluted) | $1.02 | $-0.04 |
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 | $109.4M | $183.8M | ||
| Q3 25 | $107.6M | $185.5M | ||
| Q2 25 | $103.6M | $189.6M | ||
| Q1 25 | $98.6M | $177.5M | ||
| Q4 24 | $100.4M | $204.8M | ||
| Q3 24 | $99.1M | $193.9M | ||
| Q2 24 | $97.9M | $196.3M | ||
| Q1 24 | $98.5M | $197.1M |
| Q4 25 | $33.6M | $-28.9M | ||
| Q3 25 | $34.0M | $-83.7M | ||
| Q2 25 | $27.5M | $-82.3M | ||
| Q1 25 | $26.4M | $-99.3M | ||
| Q4 24 | $29.0M | $-87.5M | ||
| Q3 24 | $29.1M | $-57.7M | ||
| Q2 24 | $29.0M | $-97.0M | ||
| Q1 24 | $27.7M | $-97.4M |
| Q4 25 | — | 14.3% | ||
| Q3 25 | — | 6.8% | ||
| Q2 25 | — | 8.3% | ||
| Q1 25 | — | 10.8% | ||
| Q4 24 | — | 13.9% | ||
| Q3 24 | — | 13.9% | ||
| Q2 24 | — | 2.3% | ||
| Q1 24 | — | -0.6% |
| Q4 25 | 42.6% | -0.9% | ||
| Q3 25 | 43.2% | -33.1% | ||
| Q2 25 | 36.5% | -31.4% | ||
| Q1 25 | 35.8% | -45.5% | ||
| Q4 24 | 38.7% | -26.0% | ||
| Q3 24 | 39.8% | -21.6% | ||
| Q2 24 | 40.0% | -40.3% | ||
| Q1 24 | 38.3% | -42.9% |
| Q4 25 | 251.6% | -15.7% | ||
| Q3 25 | 31.6% | -45.1% | ||
| Q2 25 | 26.6% | -43.4% | ||
| Q1 25 | 26.7% | -55.9% | ||
| Q4 24 | 221.4% | -42.7% | ||
| Q3 24 | 29.3% | -29.8% | ||
| Q2 24 | 29.7% | -49.4% | ||
| Q1 24 | 28.2% | -49.4% |
| Q4 25 | $1.02 | $-0.04 | ||
| Q3 25 | $1.04 | $-0.12 | ||
| Q2 25 | $0.84 | $-0.12 | ||
| Q1 25 | $0.80 | $-0.14 | ||
| Q4 24 | $0.88 | $-0.13 | ||
| Q3 24 | $0.88 | $-0.08 | ||
| Q2 24 | $0.87 | $-0.14 | ||
| Q1 24 | $0.83 | $-0.14 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $157.0M | $133.9M |
| Total DebtLower is stronger | — | $671.3M |
| Stockholders' EquityBook value | $1.3B | $-392.1M |
| Total Assets | $9.8B | $968.8M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $157.0M | $133.9M | ||
| Q3 25 | $298.8M | $125.3M | ||
| Q2 25 | $314.3M | $107.0M | ||
| Q1 25 | $308.3M | $171.8M | ||
| Q4 24 | $145.0M | $216.4M | ||
| Q3 24 | $320.1M | $115.9M | ||
| Q2 24 | $206.6M | $141.5M | ||
| Q1 24 | $82.8M | $180.9M |
| Q4 25 | — | $671.3M | ||
| Q3 25 | — | $766.5M | ||
| Q2 25 | — | $770.5M | ||
| Q1 25 | — | $765.8M | ||
| Q4 24 | — | $761.3M | ||
| Q3 24 | — | $596.9M | ||
| Q2 24 | — | $597.4M | ||
| Q1 24 | — | $603.2M |
| Q4 25 | $1.3B | $-392.1M | ||
| Q3 25 | $1.3B | $-374.5M | ||
| Q2 25 | $1.3B | $-347.8M | ||
| Q1 25 | $1.3B | $-288.1M | ||
| Q4 24 | $1.2B | $-202.1M | ||
| Q3 24 | $1.2B | $-117.7M | ||
| Q2 24 | $1.2B | $-72.2M | ||
| Q1 24 | $1.2B | $936.0K |
| Q4 25 | $9.8B | $968.8M | ||
| Q3 25 | $9.9B | $973.0M | ||
| Q2 25 | $9.9B | $1.0B | ||
| Q1 25 | $9.8B | $1.1B | ||
| Q4 24 | $9.7B | $1.2B | ||
| Q3 24 | $9.8B | $1.0B | ||
| Q2 24 | $9.7B | $1.1B | ||
| Q1 24 | $9.8B | $1.2B |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | 644.43× |
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 | $133.3M | $-18.4M |
| Free Cash FlowOCF − Capex | $127.9M | $-58.3M |
| FCF MarginFCF / Revenue | 116.9% | -31.7% |
| Capex IntensityCapex / Revenue | 4.9% | 21.7% |
| Cash ConversionOCF / Net Profit | 3.96× | — |
| TTM Free Cash FlowTrailing 4 quarters | $222.2M | $-259.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $133.3M | $-18.4M | ||
| Q3 25 | $45.1M | $-37.1M | ||
| Q2 25 | $29.2M | $-62.9M | ||
| Q1 25 | $24.5M | $-47.9M | ||
| Q4 24 | $109.7M | $37.9M | ||
| Q3 24 | $28.6M | $-16.9M | ||
| Q2 24 | $31.8M | $-25.2M | ||
| Q1 24 | $25.1M | $-73.8M |
| Q4 25 | $127.9M | $-58.3M | ||
| Q3 25 | $43.2M | $-60.4M | ||
| Q2 25 | $28.2M | $-78.6M | ||
| Q1 25 | $22.8M | $-62.6M | ||
| Q4 24 | $105.2M | $-70.2M | ||
| Q3 24 | $27.3M | $-21.9M | ||
| Q2 24 | $30.8M | $-30.8M | ||
| Q1 24 | $24.1M | $-77.8M |
| Q4 25 | 116.9% | -31.7% | ||
| Q3 25 | 40.2% | -32.6% | ||
| Q2 25 | 27.2% | -41.5% | ||
| Q1 25 | 23.1% | -35.3% | ||
| Q4 24 | 104.8% | -34.3% | ||
| Q3 24 | 27.6% | -11.3% | ||
| Q2 24 | 31.5% | -15.7% | ||
| Q1 24 | 24.4% | -39.5% |
| Q4 25 | 4.9% | 21.7% | ||
| Q3 25 | 1.7% | 12.5% | ||
| Q2 25 | 1.0% | 8.3% | ||
| Q1 25 | 1.7% | 8.3% | ||
| Q4 24 | 4.5% | 52.8% | ||
| Q3 24 | 1.3% | 2.6% | ||
| Q2 24 | 1.0% | 2.9% | ||
| Q1 24 | 1.0% | 2.0% |
| Q4 25 | 3.96× | — | ||
| Q3 25 | 1.33× | — | ||
| Q2 25 | 1.06× | — | ||
| Q1 25 | 0.93× | — | ||
| Q4 24 | 3.78× | — | ||
| Q3 24 | 0.98× | — | ||
| Q2 24 | 1.10× | — | ||
| Q1 24 | 0.90× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
