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4.99 (1y: +28%)
Market Cap 76.24 M P/E(ttm) 12.00
Enterprise Value 236.64 M P/B 0.70
BOCH- NAS (USA)
Bank of Commerce Holdings, Inc.
  • Currently 1/5
Business Predictability Rank: 1-Star
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
Read more:
What is Predictability Rank?
Performances of real portfolio
Top Ranked Predictable Companies
$4.99
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GuruFocus Financial Strength Rank measures how strong a companyย’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 : 5/10

vs
industry		 vs
history
Cash to Debt 0.321
BOCH's Cash to Debt is ranked lower than
52% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.85 vs. BOCH: 0.321 )
BOCH' s 10-Year Cash to Debt Range
Min: 0.18   Max: No Debt
Current: 0.32
Equity to Asset 0.113
BOCH's Equity to Asset is ranked higher than
82% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. BOCH: 0.113 )
BOCH' s 10-Year Equity to Asset Range
Min: 0.08   Max: 0.11
Current: 0.11
0.08
0.11
Interest Coverage No Debt
BOCH's Interest Coverage is ranked lower than
63% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10000.00 vs. BOCH: No Debt )
BOCH' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
F-Score: 4
Z-Score: 0.33
GuruFocus Profitability Rank ranks how profitable a company is and how likely the companyย’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.
ย•ย•3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rankย•

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 : 6/10

vs
industry		 vs
history
Operating margin (%) 25.60
BOCH's Operating margin (%) is ranked higher than
66% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 25.80 vs. BOCH: 25.60 )
BOCH' s 10-Year Operating margin (%) Range
Min: 9   Max: 53.7
Current: 25.6
9
53.7
Net-margin (%) 17.8
BOCH's Net-margin (%) is ranked lower than
54% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.10 vs. BOCH: 17.8 )
BOCH' s 10-Year Net-margin (%) Range
Min: 9.2   Max: 33.7
Current: 17.8
9.2
33.7
ROE (%) 6.7
BOCH's ROE (%) is ranked lower than
55% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. BOCH: 6.7 )
BOCH' s 10-Year ROE (%) Range
Min: 3.5   Max: 16.8
Current: 6.7
3.5
16.8
ROA (%) 0.8
BOCH's ROA (%) is ranked higher than
51% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. BOCH: 0.8 )
BOCH' s 10-Year ROA (%) Range
Min: 0.3   Max: 1.9
Current: 0.8
0.3
1.9
Revenue Growth (%) -13.1
BOCH's Revenue Growth (%) is ranked higher than
67% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. BOCH: -13.1 )
BOCH' s 10-Year Revenue Growth (%) Range
Min: -13.1   Max: 13.7
Current: -13.1
-13.1
13.7
EBITDA Growth (%) -11.7
BOCH's EBITDA Growth (%) is ranked higher than
86% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.10 vs. BOCH: -11.7 )
BOCH' s 10-Year EBITDA Growth (%) Range
Min: -24.8   Max: 14.9
Current: -11.7
-24.8
14.9
EPS Growth (%) -8.9
BOCH's EPS Growth (%) is ranked higher than
79% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.40 vs. BOCH: -8.9 )
BOCH' s 10-Year EPS Growth (%) Range
Min: -23   Max: 13.4
Current: -8.9
-23
13.4
ยป BOCH's 10-Y Financials

Financials


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

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Ratios

vs
industry		 vs
history
P/E(ttm) 12.00
BOCH's P/E(ttm) is ranked higher than
73% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.43 vs. BOCH: 12.00 )
BOCH' s 10-Year P/E(ttm) Range
Min: 7.56   Max: 28.97
Current: 12
7.56
28.97
P/B 0.70
BOCH's P/B is ranked higher than
69% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. BOCH: 0.70 )
BOCH' s 10-Year P/B Range
Min: 0.43   Max: 4.29
Current: 0.7
0.43
4.29
P/S 1.90
BOCH's P/S is ranked higher than
69% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. BOCH: 1.90 )
BOCH' s 10-Year P/S Range
Min: 0.9   Max: 7.6
Current: 1.9
0.9
7.6
PFCF 4.70
BOCH's PFCF is ranked higher than
82% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. BOCH: 4.70 )
BOCH' s 10-Year PFCF Range
Min: 1.51   Max: 600
Current: 4.7
1.51
600
EV-to-EBIT 20.8
BOCH's EV-to-EBIT is ranked higher than
63% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.90 vs. BOCH: 20.8 )
BOCH' s 10-Year EV-to-EBIT Range
Min: 2.2   Max: 179.9
Current: 20.8
2.2
179.9
PEG 1.8
BOCH's PEG is ranked lower than
71% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.29 vs. BOCH: 1.8 )
BOCH' s 10-Year PEG Range
Min: 1   Max: 158.63
Current: 1.8
1
158.63
Shiller P/E 10.7
BOCH's Shiller P/E is ranked higher than
85% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.60 vs. BOCH: 10.7 )
BOCH' s 10-Year Shiller P/E Range
Min: 5.8   Max: 20.5
Current: 10.7
5.8
20.5

Dividend & Buy Back

vs
industry		 vs
history
Dividend Yield 2.40
BOCH's Dividend Yield is ranked higher than
70% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. BOCH: 2.40 )
BOCH' s 10-Year Dividend Yield Range
Min: 1.38   Max: 8.16
Current: 2.4
1.38
8.16
Dividend Payout 0.2762
BOCH's Dividend Payout is ranked higher than
81% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.42 vs. BOCH: 0.2762 )
BOCH' s 10-Year Dividend Payout Range
Min: 0.26   Max: 1.27
Current: 0.28
0.26
1.27
Dividend growth (3y) -15.9
BOCH's Dividend growth (3y) is ranked higher than
75% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -21.50 vs. BOCH: -15.9 )
BOCH' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 8.6
Current: -15.9
0
8.6
Yield on cost (5-Year) 0.64
BOCH's Yield on cost (5-Year) is ranked lower than
52% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.92 vs. BOCH: 0.64 )
BOCH' s 10-Year Yield on cost (5-Year) Range
Min: 0.37   Max: 2.17
Current: 0.64
0.37
2.17
Share Buyback Rate -17
BOCH's Share Buyback Rate is ranked lower than
61% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.75 vs. BOCH: -17 )
BOCH' s 10-Year Share Buyback Rate Range
Min: 2.4   Max: -18.1
Current: -17

Valuation & Return

vs
industry		 vs
history
Price/Tangible Book 0.7
BOCH's Price/Tangible Book is ranked lower than
52% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. BOCH: 0.7 )
BOCH' s 10-Year Price/Tangible Book Range
Min: 0.5   Max: 3.1
Current: 0.7
0.5
3.1
Price/DCF (Projected) 0.4
BOCH's Price/DCF (Projected) is ranked higher than
59% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.50 vs. BOCH: 0.4 )
BOCH' s 10-Year Price/DCF (Projected) Range
Min: 0.3   Max: 1
Current: 0.4
0.3
1
Price/Median PS Value 0.5
BOCH's Price/Median PS Value is ranked lower than
56% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. BOCH: 0.5 )
BOCH' s 10-Year Price/Median PS Value Range
Min: 0.3   Max: 1.7
Current: 0.5
0.3
1.7
Price/Graham Number 0.6
BOCH's Price/Graham Number is ranked lower than
56% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. BOCH: 0.6 )
BOCH' s 10-Year Price/Graham Number Range
Min: 0.4   Max: 1.7
Current: 0.6
0.4
1.7
Earnings Yield (Greenblatt) 4.80
BOCH's Earnings Yield (Greenblatt) is ranked higher than
70% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. BOCH: 4.80 )
BOCH' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.6   Max: 45.1
Current: 4.8
0.6
45.1
Forward Rate of Return (Yacktman) 12.91
BOCH's Forward Rate of Return (Yacktman) is ranked higher than
62% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.01 vs. BOCH: 12.91 )
BOCH' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -11.8   Max: 19.3
Current: 12.91
-11.8
19.3

Business Description

Bank of Commerce Holdings, Inc., is a corporation organized under the laws of California. The Company is a bank holding company. Its 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 engages in the highly competitive financial services industry. 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.
Company Website
SEC Reports
Industry: Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR
ยป 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 

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