TriCo Bancshares (NASDAQ:TCBK) vs. U.S.A Bank (OTCMKTS:USBK) Head to Head Review

TriCo Bancshares (NASDAQ:TCBK) and U.S.A Bank (OTCMKTS:USBK) are both finance companies, but which is the better stock? We will contrast the two businesses based on the strength of their analyst recommendations, valuation, institutional ownership, dividends, earnings, profitability and risk.

Earnings and Valuation

This table compares TriCo Bancshares and U.S.A Bank’s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
TriCo Bancshares	$499.75 million	2.63	$117.39 million	$3.28	12.06
U.S.A Bank	N/A	N/A	N/A	N/A	N/A

TriCo Bancshares has higher revenue and earnings than U.S.A Bank.

Institutional & Insider Ownership

59.1% of TriCo Bancshares shares are held by institutional investors. 4.6% of TriCo Bancshares shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

Analyst Ratings

This is a breakdown of recent recommendations for TriCo Bancshares and U.S.A Bank, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
TriCo Bancshares	0	1	3	0	2.75
U.S.A Bank	0	0	0	0	N/A

TriCo Bancshares presently has a consensus price target of $42.00, suggesting a potential upside of 6.14%. Given TriCo Bancshares’ higher probable upside, equities research analysts clearly believe TriCo Bancshares is more favorable than U.S.A Bank.

Volatility and Risk

TriCo Bancshares has a beta of 0.56, meaning that its share price is 44% less volatile than the S&P 500. Comparatively, U.S.A Bank has a beta of -24.99, meaning that its share price is 2,599% less volatile than the S&P 500.

Profitability

This table compares TriCo Bancshares and U.S.A Bank’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
TriCo Bancshares	21.25%	9.75%	1.11%
U.S.A Bank	N/A	N/A	N/A

Summary

TriCo Bancshares beats U.S.A Bank on 9 of the 9 factors compared between the two stocks.

About TriCo Bancshares

TriCo Bancshares operates as a bank holding company for Tri Counties Bank that provides commercial banking services to individual and corporate customers. The company accepts demand, savings, and time deposits. It also provides small business loans; real estate mortgage loans, such as residential and commercial loans; consumer loans; mortgage, auto, other vehicle, and personal loans; commercial loans, including agricultural loans; and real estate construction loans. In addition, the company offers treasury management services; credit and debit cards; and other customary banking services, including safe deposit boxes; and independent financial and broker-dealer services. Further, it provides checking, saving, and money market accounts, as well as individual retirement accounts; equipment financing; certificate of deposit account registry service; certificated of deposit; and IntraFi cash service. TriCo Bancshares was founded in 1975 and is headquartered in Chico, California.

About U.S.A Bank

As of July 10, 2010, U.S.A Bank was acquired by Customers Bank (Phoenixville, Pennsylvania). U.S.A Bank operates as a community bank in New York. It offers deposit products, Internet banking, ATM cards, consumer loans, and residential and commercial loans. U.S.A Bank was founded in 2005 and is based in Port Chester, New York.