TCBK vs ECPG

Comparison between Trico Bancshares (TCBK, Company) and Encore Capital Group Inc (ECPG, Company).

Both TCBK and ECPG are from the Financial Services sector.

5-Year PerformanceECPG has outperformed TCBK, delivering a return of +13.3% compared to +11.4%

TCBK vs ECPG - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	TCBK(COMPANY)	ECPG(COMPANY)
Market Cap	$1.90B	$1.90B
Max Drawdown	67.32%	95.07%
Sharpe Ratio	1.41	2.32
5Y Beta	0.77	1.26
Industry	Banks - Regional	Credit Services
P/E Ratio	14.92	6.60
Forward P/E	12.12	5.54
PEG Ratio	0.94	0.17
Dividend Yield	2.35%	N/A
5Y Dividends CAGR	14.23%	N/A
5Y EPS CAGR	7.57%	5.64%
Debt to Equity	0.00%	0.00%
Free Cash Flow Yield	7.27%	8.76%
P/S Ratio	4.60	1.02
P/B Ratio	1.45	1.85

Market Cap

Winner

TCBK

$1.90B

ECPG

$1.90B

Max Drawdown

Winner

TCBK

67.32%

ECPG

95.07%

Sharpe Ratio

TCBK

1.41

Winner

ECPG

2.32

5Y Beta

Winner

TCBK

0.77

ECPG

1.26

Industry

TCBK

Banks - Regional

ECPG

Credit Services

P/E Ratio

TCBK

14.92

Winner

ECPG

6.60

Forward P/E

TCBK

12.12

Winner

ECPG

5.54

PEG Ratio

TCBK

0.94

Winner

ECPG

0.17

Dividend Yield

TCBK

2.35%

ECPG

N/A

5Y Dividends CAGR

TCBK

14.23%

ECPG

N/A

5Y EPS CAGR

Winner

TCBK

7.57%

ECPG

5.64%

Debt to Equity

TCBK

0.00%

ECPG

0.00%

Free Cash Flow Yield

TCBK

7.27%

Winner

ECPG

8.76%

P/S Ratio

TCBK

4.60

Winner

ECPG

1.02

P/B Ratio

Winner

TCBK

1.45

ECPG

1.85

TCBK vs ECPG - Historical Returns

Returns include dividend reinvestment.

Period	TCBK	ECPG
1 month	+12.55%	-0.31%
3 months	+17.80%	+1.82%
6 months	+20.36%	+55.75%
1 year	+45.49%	+114.99%
5 years(CAGR)	+11.44%	+13.30%
10 years(CAGR)	+10.54%	+13.48%
Max(CAGR)	+9.97%	+12.78%

Winner

TCBK

+12.55%

ECPG

-0.31%

Winner

TCBK

+17.80%

ECPG

+1.82%

TCBK

+20.36%

Winner

ECPG

+55.75%

TCBK

+45.49%

Winner

ECPG

+114.99%

5Y(CAGR)

TCBK

+11.44%

Winner

ECPG

+13.30%

10Y(CAGR)

TCBK

+10.54%

Winner

ECPG

+13.48%

Max(CAGR)

TCBK

+9.97%

Winner

ECPG

+12.78%

TCBK vs ECPG - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	TCBK	ECPG
2026	+27.58%	+53.16%
2025	+13.20%	+15.64%
2024	+4.43%	-7.37%
2023	-11.48%	+2.88%
2022	+20.83%	-21.93%
2021	+25.54%	+66.83%
2020	-10.41%	+8.38%
2019	+22.92%	+44.09%
2018	-9.69%	-44.05%
2017	+14.42%	+43.93%
2016	+31.05%	-1.61%
2015	+14.87%	-33.70%
2014	-8.61%	-10.36%
2013	+66.98%	+63.66%
2012	+17.94%	+37.12%
2011	-12.53%	-10.67%
2010	-2.39%	+33.16%
2009	-29.92%	+151.08%
2008	+36.61%	-18.64%
2007	-28.13%	-21.11%
2006	+22.24%	-26.49%
2005	+2.38%	-25.50%
2004	+51.50%	+60.68%
2003	+29.35%	+1158.33%
2002	+35.44%	+323.08%
2001	+28.22%	-23.53%
2000	-5.32%	-90.41%
1999	+2.35%	+12.79%

TCBK vs ECPG Drawdown Comparison

The maximum drawdown for TCBK was -67.14%, occurring on Mar 9, 2009. Recovery took 1797 trading sessions.

The maximum drawdown for ECPG was -95.07%, occurring on Dec 14, 2000. Recovery took 871 trading sessions.

The current TCBK drawdown is -3.80%. The current ECPG drawdown is -8.70%.

Rank	TCBK	ECPG
#1	-67.14% Sep 19, 2008 - Nov 9, 2015	-95.07% Nov 5, 1999 - Apr 29, 2003
#2	-62.81% Mar 31, 2006 - Sep 19, 2008	-88.48% Nov 30, 2004 - Feb 15, 2011
#3	-48.84% Oct 31, 2022 - Jun 10, 2026	-67.51% Feb 14, 2014 - Oct 13, 2021
#4	-42.22% Nov 29, 2017 - Jan 12, 2021	-62.54% Jul 29, 2022 - Mar 4, 2026
#5	-26.42% Nov 30, 1999 - Jul 20, 2001	-41.61% May 31, 2011 - May 17, 2013
#6	-24.98% Mar 12, 2021 - Oct 13, 2022	-32.81% Jul 25, 2003 - Dec 12, 2003
#7	-21.31% Jul 2, 2002 - Jul 22, 2003	-24.27% Jan 30, 2004 - Sep 7, 2004
#8	-20.57% Nov 24, 2004 - Jul 22, 2005	-22.40% Feb 18, 2022 - Jul 29, 2022
#9	-18.59% Nov 27, 2015 - Nov 10, 2016	-17.00% Jun 17, 2003 - Jul 15, 2003
#10	-16.50% Jul 26, 2005 - Feb 1, 2006	-15.31% Apr 30, 2003 - May 9, 2003
#11	-12.64% Apr 2, 2004 - Jun 25, 2004	-13.94% Jun 13, 2013 - Jul 31, 2013
#12	-12.32% Apr 11, 2002 - May 20, 2002	-13.85% Feb 25, 2011 - Apr 26, 2011
#13	-11.49% Jun 25, 2004 - Aug 25, 2004	-11.23% Oct 30, 2013 - Feb 13, 2014
#14	-11.28% Aug 8, 2017 - Sep 27, 2017	-9.88% Mar 4, 2026 - Apr 7, 2026
#15	-11.22% Feb 21, 2017 - Aug 4, 2017	-8.70% Jul 1, 2026 - Jul 23, 2026