Tri City Bankshares (TRCY) Stock Overview

Through its subsidiary, Tri City National Bank, provides various banking products and services in Southeastern Wisconsin. More details

TRCY fundamental analysis
Snowflake Score
Valuation	3/6
Future Growth	0/6
Past Performance	3/6
Financial Health	6/6
Dividends	4/6

Rewards

Trading at 27.8% below our estimate of its fair value

Pays a reliable dividend of 4.24%

Risk Analysis

Earnings have declined by 10.1% per year over past 5 years

TRCY Community Fair Values

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Tri City Bankshares Corporation Competitors

Price History & Performance

Summary of share price highs, lows and changes for Tri City Bankshares
Historical stock prices
Current Share Price	US$17.00
52 Week High	US$17.00
52 Week Low	US$13.20
Beta	0.29
1 Month Change	3.09%
3 Month Change	10.25%
1 Year Change	27.34%
3 Year Change	8.63%
5 Year Change	11.26%
Change since IPO	104.00%

Recent updates

Shareholder Returns

	TRCY	US Banks	US Market
7D	3.7%	-0.3%	1.2%
1Y	27.3%	20.2%	16.3%

Return vs Industry: TRCY exceeded the US Banks industry which returned 20.2% over the past year.

Return vs Market: TRCY exceeded the US Market which returned 16.3% over the past year.

Price Volatility

Is TRCY's price volatile compared to industry and market?
TRCY volatility
TRCY Average Weekly Movement	3.5%
Banks Industry Average Movement	3.8%
Market Average Movement	6.5%
10% most volatile stocks in US Market	17.5%
10% least volatile stocks in US Market	3.0%

Stable Share Price: TRCY has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: TRCY's weekly volatility (3%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1963	n/a	Brian McGarry	tcnb.com

Tri City Bankshares Corporation, through its subsidiary, Tri City National Bank, provides various banking products and services in Southeastern Wisconsin. The company offers checking and savings accounts; money market accounts; health savings and individual retirement accounts; certificates of deposit; and investment products and services comprising financial reviews, retirement planning, IRAs, rollovers, transfers, fee-based advisory options, mutual funds, education planning, insurance-related products, bonds, stocks, and annuities Its loan products comprises home equity loans, auto and home loans, construction and land loans, personal and business loans, commercial real estate loans, business lines of credit, and small business loans.

Tri City Bankshares Corporation Fundamentals Summary

How do Tri City Bankshares's earnings and revenue compare to its market cap?
TRCY fundamental statistics
Market cap	US$151.38m
Earnings (TTM)	US$13.12m
Revenue (TTM)	US$70.10m

11.5x

P/E Ratio

0.8x

P/B Ratio

Is TRCY overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
TRCY income statement (TTM)
Revenue	US$70.10m
Cost of Revenue	US$0
Gross Profit	US$70.10m
Other Expenses	US$56.98m
Earnings	US$13.12m

Last Reported Earnings

Sep 30, 2025

Next Earnings Date

n/a

Earnings per share (EPS)	1.47
Gross Margin	100.00%
Net Profit Margin	18.72%
Debt/Equity Ratio	0.4%

How did TRCY perform over the long term?

See historical performance and comparison

Dividends

4.2%

Current Dividend Yield

49%

Payout Ratio

Does TRCY pay a reliable dividends?

See TRCY dividend history and benchmarks

When do you need to buy TRCY by to receive an upcoming dividend?
Tri City Bankshares dividend dates
Ex Dividend Date	Oct 27 2025
Dividend Pay Date	Nov 06 2025
Days until Ex dividend	5 days
Days until Dividend pay date	15 days

Does TRCY pay a reliable dividends?

See TRCY dividend history and benchmarks

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/10/21 00:46
End of Day Share Price	2025/10/20 00:00
Earnings	2025/09/30
Annual Earnings	2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Tri City Bankshares Corporation is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Tri City Bankshares CorporationOTCPK:TRCY Stock Report