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Side-by-side financial comparison of TRICO BANCSHARES (TCBK) and Vericel Corp (VCEL). Click either name above to swap in a different company.
TRICO BANCSHARES is the larger business by last-quarter revenue ($109.4M vs $92.9M, roughly 1.2× Vericel Corp). TRICO BANCSHARES runs the higher net margin — 251.6% vs 25.0%, a 226.6% gap on every dollar of revenue. On growth, Vericel Corp posted the faster year-over-year revenue change (23.3% vs 9.0%). TRICO BANCSHARES produced more free cash flow last quarter ($127.9M vs $12.8M). Over the past eight quarters, Vericel Corp's revenue compounded faster (34.6% CAGR vs 5.4%).
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.
Vericel Corporation is a publicly traded American biopharmaceutical company which was known prior to October 2014 as Aastrom Bio. Aastrom Bio was formed in 1989 in Ann Arbor, Michigan.
TCBK vs VCEL — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $109.4M | $92.9M |
| Net Profit | $33.6M | $23.2M |
| Gross Margin | — | 78.7% |
| Operating Margin | 42.6% | 24.1% |
| Net Margin | 251.6% | 25.0% |
| Revenue YoY | 9.0% | 23.3% |
| Net Profit YoY | 15.8% | 17.3% |
| EPS (diluted) | $1.02 | $0.46 |
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 | $92.9M | ||
| Q3 25 | $107.6M | $67.5M | ||
| Q2 25 | $103.6M | $63.2M | ||
| Q1 25 | $98.6M | $52.6M | ||
| Q4 24 | $100.4M | $75.4M | ||
| Q3 24 | $99.1M | $57.9M | ||
| Q2 24 | $97.9M | $52.7M | ||
| Q1 24 | $98.5M | $51.3M |
| Q4 25 | $33.6M | $23.2M | ||
| Q3 25 | $34.0M | $5.1M | ||
| Q2 25 | $27.5M | $-553.0K | ||
| Q1 25 | $26.4M | $-11.2M | ||
| Q4 24 | $29.0M | $19.8M | ||
| Q3 24 | $29.1M | $-901.0K | ||
| Q2 24 | $29.0M | $-4.7M | ||
| Q1 24 | $27.7M | $-3.9M |
| Q4 25 | — | 78.7% | ||
| Q3 25 | — | 73.5% | ||
| Q2 25 | — | 73.7% | ||
| Q1 25 | — | 69.0% | ||
| Q4 24 | — | 77.6% | ||
| Q3 24 | — | 71.9% | ||
| Q2 24 | — | 69.5% | ||
| Q1 24 | — | 68.9% |
| Q4 25 | 42.6% | 24.1% | ||
| Q3 25 | 43.2% | 5.1% | ||
| Q2 25 | 36.5% | -3.2% | ||
| Q1 25 | 35.8% | -24.3% | ||
| Q4 24 | 38.7% | 24.5% | ||
| Q3 24 | 39.8% | -4.3% | ||
| Q2 24 | 40.0% | -11.5% | ||
| Q1 24 | 38.3% | -10.7% |
| Q4 25 | 251.6% | 25.0% | ||
| Q3 25 | 31.6% | 7.5% | ||
| Q2 25 | 26.6% | -0.9% | ||
| Q1 25 | 26.7% | -21.4% | ||
| Q4 24 | 221.4% | 26.3% | ||
| Q3 24 | 29.3% | -1.6% | ||
| Q2 24 | 29.7% | -8.9% | ||
| Q1 24 | 28.2% | -7.5% |
| Q4 25 | $1.02 | $0.46 | ||
| Q3 25 | $1.04 | $0.10 | ||
| Q2 25 | $0.84 | $-0.01 | ||
| Q1 25 | $0.80 | $-0.23 | ||
| Q4 24 | $0.88 | $0.40 | ||
| Q3 24 | $0.88 | $-0.02 | ||
| Q2 24 | $0.87 | $-0.10 | ||
| Q1 24 | $0.83 | $-0.08 |
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 | $137.5M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $1.3B | $354.6M |
| Total Assets | $9.8B | $488.0M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $157.0M | $137.5M | ||
| Q3 25 | $298.8M | $135.4M | ||
| Q2 25 | $314.3M | $116.9M | ||
| Q1 25 | $308.3M | $112.9M | ||
| Q4 24 | $145.0M | $116.2M | ||
| Q3 24 | $320.1M | $101.7M | ||
| Q2 24 | $206.6M | $102.5M | ||
| Q1 24 | $82.8M | $110.6M |
| Q4 25 | $1.3B | $354.6M | ||
| Q3 25 | $1.3B | $321.9M | ||
| Q2 25 | $1.3B | $306.8M | ||
| Q1 25 | $1.3B | $295.5M | ||
| Q4 24 | $1.2B | $292.0M | ||
| Q3 24 | $1.2B | $257.5M | ||
| Q2 24 | $1.2B | $243.0M | ||
| Q1 24 | $1.2B | $233.9M |
| Q4 25 | $9.8B | $488.0M | ||
| Q3 25 | $9.9B | $453.3M | ||
| Q2 25 | $9.9B | $435.6M | ||
| Q1 25 | $9.8B | $424.6M | ||
| Q4 24 | $9.7B | $432.7M | ||
| Q3 24 | $9.8B | $390.4M | ||
| Q2 24 | $9.7B | $376.8M | ||
| Q1 24 | $9.8B | $356.7M |
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 | $15.0M |
| Free Cash FlowOCF − Capex | $127.9M | $12.8M |
| FCF MarginFCF / Revenue | 116.9% | 13.8% |
| Capex IntensityCapex / Revenue | 4.9% | 2.4% |
| Cash ConversionOCF / Net Profit | 3.96× | 0.65× |
| TTM Free Cash FlowTrailing 4 quarters | $222.2M | $24.7M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $133.3M | $15.0M | ||
| Q3 25 | $45.1M | $22.1M | ||
| Q2 25 | $29.2M | $8.2M | ||
| Q1 25 | $24.5M | $6.6M | ||
| Q4 24 | $109.7M | $22.2M | ||
| Q3 24 | $28.6M | $10.2M | ||
| Q2 24 | $31.8M | $18.5M | ||
| Q1 24 | $25.1M | $7.2M |
| Q4 25 | $127.9M | $12.8M | ||
| Q3 25 | $43.2M | $19.5M | ||
| Q2 25 | $28.2M | $81.0K | ||
| Q1 25 | $22.8M | $-7.6M | ||
| Q4 24 | $105.2M | $8.5M | ||
| Q3 24 | $27.3M | $-9.2M | ||
| Q2 24 | $30.8M | $1.8M | ||
| Q1 24 | $24.1M | $-6.8M |
| Q4 25 | 116.9% | 13.8% | ||
| Q3 25 | 40.2% | 28.8% | ||
| Q2 25 | 27.2% | 0.1% | ||
| Q1 25 | 23.1% | -14.5% | ||
| Q4 24 | 104.8% | 11.2% | ||
| Q3 24 | 27.6% | -15.9% | ||
| Q2 24 | 31.5% | 3.4% | ||
| Q1 24 | 24.4% | -13.3% |
| Q4 25 | 4.9% | 2.4% | ||
| Q3 25 | 1.7% | 3.9% | ||
| Q2 25 | 1.0% | 12.9% | ||
| Q1 25 | 1.7% | 27.0% | ||
| Q4 24 | 4.5% | 18.3% | ||
| Q3 24 | 1.3% | 33.5% | ||
| Q2 24 | 1.0% | 31.8% | ||
| Q1 24 | 1.0% | 27.3% |
| Q4 25 | 3.96× | 0.65× | ||
| Q3 25 | 1.33× | 4.35× | ||
| Q2 25 | 1.06× | — | ||
| Q1 25 | 0.93× | — | ||
| Q4 24 | 3.78× | 1.12× | ||
| 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.
Revenue Breakdown by Segment
TCBK
Segment breakdown not available.
VCEL
| MACI Implants And Kits | $84.1M | 90% |
| Other | $8.8M | 10% |
