Switch to:

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 0.30
BOCH's Cash to Debt is ranked lower than
77% of the 973 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. BOCH: 0.30 )
Ranked among companies with meaningful Cash to Debt only.
BOCH' s 10-Year Cash to Debt Range
Min: 0.13  Med: 0.52 Max: No Debt
Current: 0.3
Equity to Asset 0.11
BOCH's Equity to Asset is ranked higher than
62% of the 1290 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. BOCH: 0.11 )
Ranked among companies with meaningful Equity to Asset only.
BOCH' s 10-Year Equity to Asset Range
Min: 0.07  Med: 0.09 Max: 0.12
Current: 0.11
0.07
0.12
Interest Coverage 1.79
BOCH's Interest Coverage is ranked higher than
52% of the 1205 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. BOCH: 1.79 )
Ranked among companies with meaningful Interest Coverage only.
BOCH' s 10-Year Interest Coverage Range
Min: 0.13  Med: 1.07 Max: 3.55
Current: 1.79
0.13
3.55
F-Score: 6
WACC vs ROIC
3.00%
5.02%
WACC
ROIC
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 (%) 24.42
BOCH's Operating margin (%) is ranked lower than
62% of the 1357 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.54 vs. BOCH: 24.42 )
Ranked among companies with meaningful Operating margin (%) only.
BOCH' s 10-Year Operating margin (%) Range
Min: -113.06  Med: 33.04 Max: 53.73
Current: 24.42
-113.06
53.73
Net-margin (%) 18.52
BOCH's Net-margin (%) is ranked lower than
60% of the 1356 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.24 vs. BOCH: 18.52 )
Ranked among companies with meaningful Net-margin (%) only.
BOCH' s 10-Year Net-margin (%) Range
Min: 9.15  Med: 24.83 Max: 133.4
Current: 18.52
9.15
133.4
ROE (%) 6.79
BOCH's ROE (%) is ranked lower than
60% of the 1355 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.13 vs. BOCH: 6.79 )
Ranked among companies with meaningful ROE (%) only.
BOCH' s 10-Year ROE (%) Range
Min: 4.04  Med: 13.51 Max: 17.56
Current: 6.79
4.04
17.56
ROA (%) 0.71
BOCH's ROA (%) is ranked lower than
57% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. BOCH: 0.71 )
Ranked among companies with meaningful ROA (%) only.
BOCH' s 10-Year ROA (%) Range
Min: 0.32  Med: 1.05 Max: 1.98
Current: 0.71
0.32
1.98
ROC (Joel Greenblatt) (%) 75.42
BOCH's ROC (Joel Greenblatt) (%) is ranked higher than
50% of the 1348 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 74.52 vs. BOCH: 75.42 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
BOCH' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 6.36  Med: 102.40 Max: 258.35
Current: 75.42
6.36
258.35
Revenue Growth (3Y)(%) -3.60
BOCH's Revenue Growth (3Y)(%) is ranked lower than
74% of the 1149 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. BOCH: -3.60 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
BOCH' s 10-Year Revenue Growth (3Y)(%) Range
Min: -17.1  Med: 7.35 Max: 69.9
Current: -3.6
-17.1
69.9
EBITDA Growth (3Y)(%) -2.00
BOCH's EBITDA Growth (3Y)(%) is ranked lower than
73% of the 1011 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. BOCH: -2.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
BOCH' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -32.2  Med: -0.70 Max: 21.4
Current: -2
-32.2
21.4
EPS Growth (3Y)(%) 6.40
BOCH's EPS Growth (3Y)(%) is ranked lower than
59% of the 1020 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.20 vs. BOCH: 6.40 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
BOCH' s 10-Year EPS Growth (3Y)(%) Range
Min: -29.4  Med: 4.80 Max: 20.1
Current: 6.4
-29.4
20.1
» BOCH's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2014

BOCH Guru Trades in Q2 2014

Arnold Schneider 33,855 sh (unchged)
» More
Q3 2014

BOCH Guru Trades in Q3 2014

Arnold Schneider 25,366 sh (-25.07%)
» More
Q4 2014

BOCH Guru Trades in Q4 2014

Arnold Schneider 23,766 sh (-6.31%)
» More
Q1 2015

BOCH Guru Trades in Q1 2015

Arnold Schneider 20,969 sh (-11.77%)
» More
» Details

Insider Trades

Latest Guru Trades with BOCH

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

No Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 11.46
BOCH's P/E(ttm) is ranked higher than
68% of the 1244 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.30 vs. BOCH: 11.46 )
Ranked among companies with meaningful P/E(ttm) only.
BOCH' s 10-Year P/E(ttm) Range
Min: 7.51  Med: 13.20 Max: 27.9
Current: 11.46
7.51
27.9
Forward P/E 12.25
BOCH's Forward P/E is ranked higher than
51% of the 750 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.38 vs. BOCH: 12.25 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 11.60
BOCH's PE(NRI) is ranked higher than
68% of the 1217 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.30 vs. BOCH: 11.60 )
Ranked among companies with meaningful PE(NRI) only.
BOCH' s 10-Year PE(NRI) Range
Min: 7.56  Med: 13.24 Max: 28.41
Current: 11.6
7.56
28.41
P/B 0.92
BOCH's P/B is ranked higher than
67% of the 1351 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. BOCH: 0.92 )
Ranked among companies with meaningful P/B only.
BOCH' s 10-Year P/B Range
Min: 0.51  Med: 0.98 Max: 3.33
Current: 0.92
0.51
3.33
P/S 2.04
BOCH's P/S is ranked higher than
73% of the 1422 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.99 vs. BOCH: 2.04 )
Ranked among companies with meaningful P/S only.
BOCH' s 10-Year P/S Range
Min: 0.9  Med: 2.12 Max: 8.75
Current: 2.04
0.9
8.75
PFCF 7.47
BOCH's PFCF is ranked higher than
63% of the 825 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.60 vs. BOCH: 7.47 )
Ranked among companies with meaningful PFCF only.
BOCH' s 10-Year PFCF Range
Min: 1.51  Med: 8.24 Max: 222.5
Current: 7.47
1.51
222.5
POCF 6.45
BOCH's POCF is ranked higher than
65% of the 930 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.17 vs. BOCH: 6.45 )
Ranked among companies with meaningful POCF only.
BOCH' s 10-Year POCF Range
Min: 1.48  Med: 9.16 Max: 351.67
Current: 6.45
1.48
351.67
EV-to-EBIT 18.25
BOCH's EV-to-EBIT is ranked lower than
65% of the 1366 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.30 vs. BOCH: 18.25 )
Ranked among companies with meaningful EV-to-EBIT only.
BOCH' s 10-Year EV-to-EBIT Range
Min: -1.6  Med: 16.30 Max: 182.3
Current: 18.25
-1.6
182.3
Shiller P/E 12.18
BOCH's Shiller P/E is ranked higher than
75% of the 771 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.62 vs. BOCH: 12.18 )
Ranked among companies with meaningful Shiller P/E only.
BOCH' s 10-Year Shiller P/E Range
Min: 5.8  Med: 10.64 Max: 20.16
Current: 12.18
5.8
20.16
Days Sales Outstanding 36.02
BOCH's Days Sales Outstanding is ranked lower than
52% of the 770 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 35.19 vs. BOCH: 36.02 )
Ranked among companies with meaningful Days Sales Outstanding only.
BOCH' s 10-Year Days Sales Outstanding Range
Min: 36.69  Med: 44.86 Max: 80.45
Current: 36.02
36.69
80.45

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.09
BOCH's Dividend Yield is ranked lower than
61% of the 2112 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.57 vs. BOCH: 2.09 )
Ranked among companies with meaningful Dividend Yield only.
BOCH' s 10-Year Dividend Yield Range
Min: 1.6  Med: 2.81 Max: 8.16
Current: 2.09
1.6
8.16
Dividend Payout 0.24
BOCH's Dividend Payout is ranked higher than
67% of the 1248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.24 vs. BOCH: 0.24 )
Ranked among companies with meaningful Dividend Payout only.
BOCH' s 10-Year Dividend Payout Range
Min: 0.14  Med: 0.38 Max: 1.97
Current: 0.24
0.14
1.97
Yield on cost (5-Year) 1.03
BOCH's Yield on cost (5-Year) is ranked lower than
87% of the 2110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.91 vs. BOCH: 1.03 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
BOCH' s 10-Year Yield on cost (5-Year) Range
Min: 0.79  Med: 1.38 Max: 4.02
Current: 1.03
0.79
4.02
Share Buyback Rate 7.30
BOCH's Share Buyback Rate is ranked higher than
92% of the 931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.50 vs. BOCH: 7.30 )
Ranked among companies with meaningful Share Buyback Rate only.
BOCH' s 10-Year Share Buyback Rate Range
Min: 7.3  Med: 0.25 Max: -24.9
Current: 7.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.90
BOCH's Price/Tangible Book is ranked higher than
70% of the 1331 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. BOCH: 0.90 )
Ranked among companies with meaningful Price/Tangible Book only.
BOCH' s 10-Year Price/Tangible Book Range
Min: 0.55  Med: 1.50 Max: 3
Current: 0.9
0.55
3
Price/Projected FCF 0.39
BOCH's Price/Projected FCF is ranked higher than
80% of the 775 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.68 vs. BOCH: 0.39 )
Ranked among companies with meaningful Price/Projected FCF only.
BOCH' s 10-Year Price/Projected FCF Range
Min: 0.32  Med: 0.56 Max: 1.43
Current: 0.39
0.32
1.43
Price/Median PS Value 0.96
BOCH's Price/Median PS Value is ranked higher than
73% of the 1286 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. BOCH: 0.96 )
Ranked among companies with meaningful Price/Median PS Value only.
BOCH' s 10-Year Price/Median PS Value Range
Min: 0.44  Med: 1.38 Max: 3.66
Current: 0.96
0.44
3.66
Price/Peter Lynch Fair Value 0.65
BOCH's Price/Peter Lynch Fair Value is ranked higher than
76% of the 357 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.99 vs. BOCH: 0.65 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
BOCH' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.58  Med: 1.75 Max: 3.61
Current: 0.65
0.58
3.61
Price/Graham Number 0.60
BOCH's Price/Graham Number is ranked higher than
79% of the 1154 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.88 vs. BOCH: 0.60 )
Ranked among companies with meaningful Price/Graham Number only.
BOCH' s 10-Year Price/Graham Number Range
Min: 0.36  Med: 0.84 Max: 1.75
Current: 0.6
0.36
1.75
Earnings Yield (Greenblatt) (%) 5.53
BOCH's Earnings Yield (Greenblatt) (%) is ranked lower than
58% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. BOCH: 5.53 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
BOCH' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.5  Med: 6.10 Max: 40.3
Current: 5.53
0.5
40.3
Forward Rate of Return (Yacktman) (%) 31.47
BOCH's Forward Rate of Return (Yacktman) (%) is ranked higher than
78% of the 770 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.43 vs. BOCH: 31.47 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
BOCH' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -13.4  Med: 10.10 Max: 32.1
Current: 31.47
-13.4
32.1

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Bank of Commerce Holdings Inc was incorporated in California on January 21, 1982 under the laws of California. The Company is a bank holding company. The Companys 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 Company provides comprehensive banking and related services to small and mid-sized businesses, not-for-profit organizations, and professional service providers as well as banking services for consumers, business owners and their key employees. The Companys 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
Weekly CFO Buys Highlight: Westell Technologies Inc, Full House Resorts Inc, Bank of Commerce Holdin Jun 08 2015 
Weekly CFO Buys Highlight: LoJack Corp, Professional Diversity Network Inc, and Bank of Commerce Hol Jun 01 2015 
Weekly CFO Buys Highlight: Ryerson Holding Corp, Sprint Corp, Bank of Commerce Holdings Inc. Mar 23 2015 
Weekly CFO Buys Highlight: Energy XXI Ltd, Synacor Inc, Bank of Commerce Holdings Inc. Mar 15 2015 
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 

More From Other Websites
Bank of Commerce Holdings Announces Second Quarter Cash Dividend of $0.03 Per Share Jun 17 2015
BANK OF COMMERCE HOLDINGS Files SEC form 8-K, Other Events, Financial Statements and Exhibits Jun 17 2015
Bank of Commerce Holdings Announces Second Quarter Cash Dividend of $0.03 Per Share Jun 17 2015
BANK OF COMMERCE HOLDINGS Files SEC form 8-K, Amendments to Articles of Inc. or Bylaws; Change in... May 21 2015
BANK OF COMMERCE HOLDINGS Financials May 19 2015
10-Q for Bank of Commerce Holdings May 10 2015
BANK OF COMMERCE HOLDINGS Files SEC form 10-Q, Quarterly Report May 08 2015
10-K for Bank of Commerce Holdings May 07 2015
Bank of Commerce Holdings Announces Results for the First Quarter of 2015 Apr 30 2015
BANK OF COMMERCE HOLDINGS Files SEC form 8-K, Results of Operations and Financial Condition,... Apr 30 2015
Bank of Commerce Holdings Announces Results for the First Quarter of 2015 Apr 30 2015
Heritage Commerce posts 1Q profit Apr 23 2015
Bank of Commerce Holdings Announces First Quarter Cash Dividend of $0.03 Per Share Mar 18 2015
BANK OF COMMERCE HOLDINGS Files SEC form 8-K, Other Events, Financial Statements and Exhibits Mar 18 2015
BANK OF COMMERCE HOLDINGS Files SEC form 10-K, Annual Report Mar 10 2015
HomeTrust Bank CEO sees 'half-a-billion dollar' market in Charlotte Feb 24 2015
LSE puts Russell Investments up for sale Feb 05 2015
Bank of Commerce posts 4Q profit Jan 30 2015
Bank of Commerce Holdings Announces Results for the Fourth Quarter of 2014 Jan 30 2015
BANK OF COMMERCE HOLDINGS Files SEC form 8-K, Results of Operations and Financial Condition,... Jan 30 2015

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
FEEDBACK