Is TCBK or TFIN more undervalued in 2026?

CirclFi compares TriCo Bancshares (TCBK) and Triumph Financial, Inc. (TFIN) using 13 institutional-grade valuation models. TCBK has a Quality of Company score of 9.5/10 while TFIN scores 7.7/10.

Which is a better buy — TCBK or TFIN?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do TCBK and TFIN valuations compare?

TCBK at $50.28 and TFIN at $70.55 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

TCBK vs TFIN Valuation Comparison 2026 — Intrinsic Value Analysis

TCBK

Banks - Regional

TriCo Bancshares

Quality

9.5

out of 10

Value Trap

SAFE

Price

$50.28

Last close

Models

12/13

Active

TFIN

Banks - Regional

Triumph Financial, Inc.

Quality

7.7

out of 10

Value Trap

SAFE

Price

$70.55

Last close

Models

12/13

Active

Model-by-Model Comparison

Model	Type	TCBK Fair Value	TCBK Upside	TFIN Fair Value	TFIN Upside
Bayesian DCF	Intrinsic	$27.94	-44.4%	$37.33	-47.1%
Earnings Power Value	Intrinsic	$37.43	-25.6%	$31.42	-55.5%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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TCBK vs TFIN — Which Stock Is More Undervalued?

TCBK scores higher with a 9.5/10 quality rating vs TFIN's 7.7/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing TriCo Bancshares (TCBK) and Triumph Financial, Inc. (TFIN) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

TCBK currently trades at $50.28 with a QOC of 9.5/10, while TFIN trades at $70.55 with a QOC of 7.7/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).