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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.82
BOCH's Cash to Debt is ranked higher than
69% of the 1254 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.36 vs. BOCH: 0.82 )
BOCH' s 10-Year Cash to Debt Range
Min: 0.13   Max: No Debt
Current: 0.82

Equity to Asset 0.10
BOCH's Equity to Asset is ranked higher than
70% of the 1643 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. BOCH: 0.10 )
BOCH' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.12
Current: 0.1

0.07
0.12
Interest Coverage 3.55
BOCH's Interest Coverage is ranked higher than
86% of the 1455 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.21 vs. BOCH: 3.55 )
BOCH' s 10-Year Interest Coverage Range
Min: 0.13   Max: 3.55
Current: 3.55

0.13
3.55
F-Score: 5
Z-Score: 0.20
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating margin (%) 33.04
BOCH's Operating margin (%) is ranked higher than
80% of the 1599 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.41 vs. BOCH: 33.04 )
BOCH' s 10-Year Operating margin (%) Range
Min: 8.99   Max: 53.73
Current: 33.04

8.99
53.73
Net-margin (%) 21.26
BOCH's Net-margin (%) is ranked higher than
74% of the 1618 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.45 vs. BOCH: 21.26 )
BOCH' s 10-Year Net-margin (%) Range
Min: 9.15   Max: 33.74
Current: 21.26

9.15
33.74
ROE (%) 7.80
BOCH's ROE (%) is ranked higher than
73% of the 1620 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.17 vs. BOCH: 7.80 )
BOCH' s 10-Year ROE (%) Range
Min: 3.51   Max: 16.77
Current: 7.8

3.51
16.77
ROA (%) 0.83
BOCH's ROA (%) is ranked higher than
76% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.75 vs. BOCH: 0.83 )
BOCH' s 10-Year ROA (%) Range
Min: 0.28   Max: 1.89
Current: 0.83

0.28
1.89
ROC (Joel Greenblatt) (%) 113.23
BOCH's ROC (Joel Greenblatt) (%) is ranked higher than
82% of the 1574 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 73.99 vs. BOCH: 113.23 )
BOCH' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 13.15   Max: 144.94
Current: 113.23

13.15
144.94
Revenue Growth (%) -1.60
BOCH's Revenue Growth (%) is ranked higher than
67% of the 1437 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. BOCH: -1.60 )
BOCH' s 10-Year Revenue Growth (%) Range
Min: -17.1   Max: 18.7
Current: -1.6

-17.1
18.7
EBITDA Growth (%) 16.70
BOCH's EBITDA Growth (%) is ranked higher than
85% of the 1277 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. BOCH: 16.70 )
BOCH' s 10-Year EBITDA Growth (%) Range
Min: -32.2   Max: 149.9
Current: 16.7

-32.2
149.9
EPS Growth (%) 20.10
BOCH's EPS Growth (%) is ranked higher than
85% of the 1280 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.80 vs. BOCH: 20.10 )
BOCH' s 10-Year EPS Growth (%) Range
Min: -29.4   Max: 20.1
Current: 20.1

-29.4
20.1
» BOCH's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

BOCH Guru Trades in

Q3 2013

BOCH Guru Trades in Q3 2013

Arnold Schneider 33,555 sh (New)
» More
Q4 2013

BOCH Guru Trades in Q4 2013

Arnold Schneider 33,855 sh (+0.89%)
» More
Q1 2014

BOCH Guru Trades in Q1 2014

Arnold Schneider 33,855 sh (unchged)
» More
» Details

Insider Trades

Latest Guru Trades with BOCH



No Insider Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 14.50
BOCH's P/E(ttm) is ranked higher than
75% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.40 vs. BOCH: 14.50 )
BOCH' s 10-Year P/E(ttm) Range
Min: 7.51   Max: 29.03
Current: 14.5

7.51
29.03
P/B 1.10
BOCH's P/B is ranked higher than
74% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. BOCH: 1.10 )
BOCH' s 10-Year P/B Range
Min: 0.51   Max: 3.99
Current: 1.1

0.51
3.99
P/S 2.52
BOCH's P/S is ranked higher than
79% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. BOCH: 2.52 )
BOCH' s 10-Year P/S Range
Min: 0.9   Max: 10.15
Current: 2.52

0.9
10.15
PFCF 8.90
BOCH's PFCF is ranked higher than
79% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 28.86 vs. BOCH: 8.90 )
BOCH' s 10-Year PFCF Range
Min: 1.63   Max: 351.67
Current: 8.9

1.63
351.67
EV-to-EBIT 11.77
BOCH's EV-to-EBIT is ranked higher than
83% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.41 vs. BOCH: 11.77 )
BOCH' s 10-Year EV-to-EBIT Range
Min: 3.1   Max: 75.7
Current: 11.77

3.1
75.7
PEG 2.30
BOCH's PEG is ranked higher than
78% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. BOCH: 2.30 )
BOCH' s 10-Year PEG Range
Min: 0.28   Max: 7.41
Current: 2.3

0.28
7.41
Shiller P/E 14.70
BOCH's Shiller P/E is ranked higher than
90% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 140.07 vs. BOCH: 14.70 )
BOCH' s 10-Year Shiller P/E Range
Min: 5.8   Max: 20.16
Current: 14.7

5.8
20.16

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.74
BOCH's Dividend Yield is ranked lower than
64% of the 1402 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.45 vs. BOCH: 1.74 )
BOCH' s 10-Year Dividend Yield Range
Min: 1.6   Max: 8.16
Current: 1.74

1.6
8.16
Dividend Payout 0.26
BOCH's Dividend Payout is ranked higher than
75% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. BOCH: 0.26 )
BOCH' s 10-Year Dividend Payout Range
Min: 0.14   Max: 1.97
Current: 0.26

0.14
1.97
Dividend growth (3y) -15.10
BOCH's Dividend growth (3y) is ranked higher than
59% of the 956 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.60 vs. BOCH: -15.10 )
BOCH' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 11.6
Current: -15.1

0
11.6
Yield on cost (5-Year) 0.63
BOCH's Yield on cost (5-Year) is ranked lower than
85% of the 1356 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.64 vs. BOCH: 0.63 )
BOCH' s 10-Year Yield on cost (5-Year) Range
Min: 0.6   Max: 3.04
Current: 0.63

0.6
3.04

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.10
BOCH's Price/Tangible Book is ranked higher than
79% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.35 vs. BOCH: 1.10 )
BOCH' s 10-Year Price/Tangible Book Range
Min: 0.55   Max: 3
Current: 1.1

0.55
3
Price/DCF (Projected) 0.50
BOCH's Price/DCF (Projected) is ranked higher than
93% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.56 vs. BOCH: 0.50 )
BOCH' s 10-Year Price/DCF (Projected) Range
Min: 0.29   Max: 1.25
Current: 0.5

0.29
1.25
Price/Median PS Value 1.10
BOCH's Price/Median PS Value is ranked higher than
71% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. BOCH: 1.10 )
BOCH' s 10-Year Price/Median PS Value Range
Min: 0.42   Max: 3.47
Current: 1.1

0.42
3.47
Price/Peter Lynch Fair Value 0.60
BOCH's Price/Peter Lynch Fair Value is ranked higher than
95% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. BOCH: 0.60 )
BOCH' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.44   Max: 3.81
Current: 0.6

0.44
3.81
Price/Graham Number 0.70
BOCH's Price/Graham Number is ranked higher than
85% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. BOCH: 0.70 )
BOCH' s 10-Year Price/Graham Number Range
Min: 0.36   Max: 1.75
Current: 0.7

0.36
1.75
Earnings Yield (Greenblatt) 8.40
BOCH's Earnings Yield (Greenblatt) is ranked higher than
78% of the 1581 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. BOCH: 8.40 )
BOCH' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.3   Max: 32.5
Current: 8.4

1.3
32.5
Forward Rate of Return (Yacktman) 51.19
BOCH's Forward Rate of Return (Yacktman) is ranked higher than
92% of the 1259 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.45 vs. BOCH: 51.19 )
BOCH' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -23.9   Max: 53.9
Current: 51.19

-23.9
53.9

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Bank of Commerce Holdings, Inc. is a corporation organized under the laws of California. The Company is a bank holding company. The Company's main business is to serve as a holding company for Redding Bank of Commerce (Bank), which operates under two separate names Redding Bank of Commerce and Roseville Bank of Commerce and for Bank of Commerce Mortgage, its majority-owned mortgage brokerage subsidiary. It also has two unconsolidated subsidiaries, Bank of Commerce Holdings Trust and Bank of Commerce Holdings Trust II. The Company commenced banking operations in 1982 and currently operates four full service facilities in two diverse markets in Northern California. The services offered by the Bank include checking, interest bearing checking and savings accounts, money market deposit accounts, sweep arrangements, commercial, construction and term loans, travelers checks, safe deposit boxes, collection services and electronic banking activities. The Bank offers wealth management services through a third party investment broker. The Company competes with other banks, thrifts, credit unions and other non-bank financial institutions, such as investment banking firms, investment advisory firms, brokerage firms, investment companies and insurance entities which offer financial services, located both domestically and through alternative delivery channels such as the Internet. The Company's operations are subject to extensive regulation by federal, state and local governmental authorities and are subject to various laws and judicial and administrative decisions imposing requirements and restrictions on part or all of its operations.
» More Articles for BOCH

Headlines

Articles On GuruFocus.com
5 Excellent Picks for 2012 Mar 30 2012 
Bank of Commerce Holdings (BOCH) COO Linda J Miles sells 3,450 Shares Mar 09 2011 
Bank of Commerce Holdings (BOCH) COO Linda J Miles sells 1,300 Shares Mar 08 2011 
Bank of Commerce Holdings (BOCH) COO Linda J Miles sells 10,000 Shares Mar 07 2011 
Bank of Commerce Holdings (BOCH) COO Linda J Miles sells 5,000 Shares Mar 07 2011 
Bank of Commerce Holdings (BOCH) COO Linda J Miles sells 5,000 Shares Mar 07 2011 
Bank of Commerce Holdings Reports Operating Results (10-Q) Nov 12 2010 
Bank of Commerce Holdings Reports Operating Results (10-Q) Aug 13 2010 
Bank of Commerce Holdings Reports Operating Results (10-Q) May 07 2010 
Bank of Commerce Holdings (BOCH) CEO Patrick J Moty buys 2,300 Shares Mar 25 2009 


More From Other Websites
BANK OF COMMERCE HOLDINGS Files SEC form 8-K, Regulation FD Disclosure Jun 26 2014
Bank of Commerce Holdings Announces Second Quarter Cash Dividend of $0.03 Per Share Jun 26 2014
BANK OF COMMERCE HOLDINGS Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 21 2014
UK's LSE enters exclusive talks to acquire Russell Investments May 20 2014
BANK OF COMMERCE HOLDINGS Financials May 20 2014
BANK OF COMMERCE HOLDINGS Files SEC form 10-Q, Quarterly Report May 09 2014
Bank of Commerce Holdings Announces First Quarter Results May 01 2014
BANK OF COMMERCE HOLDINGS Files SEC form 8-K, Financial Statements and Exhibits Apr 30 2014
Bank of Commerce (BOCH) Shares March Higher, Can It Continue? Mar 24 2014
Bank of Commerce Holdings (BOCH) Jumps: Stock Rises 6.7% Mar 24 2014
Bank of Commerce Holdings Authorizes Stock Repurchase Program Mar 20 2014
BANK OF COMMERCE HOLDINGS Files SEC form 8-K, Other Events Mar 20 2014
Bank of Commerce Holdings announces $700K share repurchase program Mar 20 2014
Bank of Commerce Holdings Authorizes Stock Repurchase Program Mar 20 2014
Bank of Commerce Holdings Announces First Quarter Cash Dividend of $0.03 Mar 19 2014
BANK OF COMMERCE HOLDINGS Files SEC form 8-K, Regulation FD Disclosure Mar 19 2014
Bank of Commerce Holdings Announces First Quarter Cash Dividend of $0.03 Mar 19 2014
BANK OF COMMERCE HOLDINGS Files SEC form 10-K, Annual Report Mar 11 2014
BANK OF COMMERCE HOLDINGS Files SEC form 8-K, Financial Statements and Exhibits Jan 31 2014
Bank of Commerce Holdings announces Fourth Quarter Results Jan 31 2014

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