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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 0.49
BOCH's Cash to Debt is ranked lower than
67% of the 1088 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. BOCH: 0.49 )
Ranked among companies with meaningful Cash to Debt only.
BOCH' s Cash to Debt Range Over the Past 10 Years
Min: 0.13  Med: 0.51 Max: No Debt
Current: 0.49
Equity to Asset 0.09
BOCH's Equity to Asset is ranked lower than
58% of the 1578 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. BOCH: 0.09 )
Ranked among companies with meaningful Equity to Asset only.
BOCH' s Equity to Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.09 Max: 0.12
Current: 0.09
0.07
0.12
Interest Coverage 2.42
BOCH's Interest Coverage is ranked higher than
59% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.82 vs. BOCH: 2.42 )
Ranked among companies with meaningful Interest Coverage only.
BOCH' s Interest Coverage Range Over the Past 10 Years
Min: 0.13  Med: 1.01 Max: 3.68
Current: 2.42
0.13
3.68
F-Score: 5
WACC vs ROIC
3.65%
5.41%
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 (%) 32.60
BOCH's Operating margin (%) is ranked higher than
54% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.86 vs. BOCH: 32.60 )
Ranked among companies with meaningful Operating margin (%) only.
BOCH' s Operating margin (%) Range Over the Past 10 Years
Min: 8.99  Med: 25.28 Max: 45.46
Current: 32.6
8.99
45.46
Net-margin (%) 23.23
BOCH's Net-margin (%) is ranked higher than
54% of the 1593 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.37 vs. BOCH: 23.23 )
Ranked among companies with meaningful Net-margin (%) only.
BOCH' s Net-margin (%) Range Over the Past 10 Years
Min: 9.15  Med: 18.43 Max: 28.08
Current: 23.23
9.15
28.08
ROE (%) 8.06
BOCH's ROE (%) is ranked higher than
50% of the 1589 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.01 vs. BOCH: 8.06 )
Ranked among companies with meaningful ROE (%) only.
BOCH' s ROE (%) Range Over the Past 10 Years
Min: 4.04  Med: 6.80 Max: 16.87
Current: 8.06
4.04
16.87
ROA (%) 0.86
BOCH's ROA (%) is ranked higher than
51% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. BOCH: 0.86 )
Ranked among companies with meaningful ROA (%) only.
BOCH' s ROA (%) Range Over the Past 10 Years
Min: 0.32  Med: 0.77 Max: 1.32
Current: 0.86
0.32
1.32
Revenue Growth (3Y)(%) 6.80
BOCH's Revenue Growth (3Y)(%) is ranked higher than
69% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. BOCH: 6.80 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
BOCH' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -17.1  Med: 7.80 Max: 69.9
Current: 6.8
-17.1
69.9
EBITDA Growth (3Y)(%) 2.70
BOCH's EBITDA Growth (3Y)(%) is ranked lower than
59% of the 1167 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. BOCH: 2.70 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
BOCH' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -32.2  Med: 0.40 Max: 18
Current: 2.7
-32.2
18
EPS Growth (3Y)(%) 6.40
BOCH's EPS Growth (3Y)(%) is ranked lower than
54% of the 1165 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. BOCH: 6.40 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
BOCH' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -29.2  Med: 4.85 Max: 20.1
Current: 6.4
-29.2
20.1
» BOCH's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2015

BOCH Guru Trades in Q1 2015

Arnold Schneider 20,969 sh (-11.77%)
» More
Q2 2015

BOCH Guru Trades in Q2 2015

Jim Simons 11,800 sh (New)
Arnold Schneider 16,530 sh (-21.17%)
» More
Q3 2015

BOCH Guru Trades in Q3 2015

Jim Simons Sold Out
Arnold Schneider 15,969 sh (-3.39%)
» More
Q4 2015

BOCH Guru Trades in Q4 2015

Jim Simons 18,031 sh (New)
» 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%)

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» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 9.17
BOCH's P/E(ttm) is ranked higher than
64% of the 2083 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.50 vs. BOCH: 9.17 )
Ranked among companies with meaningful P/E(ttm) only.
BOCH' s P/E(ttm) Range Over the Past 10 Years
Min: 7.56  Med: 12.51 Max: 28.41
Current: 9.17
7.56
28.41
Forward P/E 12.25
BOCH's Forward P/E is ranked lower than
78% of the 1323 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.52 vs. BOCH: 12.25 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 9.07
BOCH's PE(NRI) is ranked higher than
68% of the 1535 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.30 vs. BOCH: 9.07 )
Ranked among companies with meaningful PE(NRI) only.
BOCH' s PE(NRI) Range Over the Past 10 Years
Min: 7.56  Med: 12.81 Max: 28.41
Current: 9.07
7.56
28.41
P/B 0.82
BOCH's P/B is ranked higher than
61% of the 2114 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.98 vs. BOCH: 0.82 )
Ranked among companies with meaningful P/B only.
BOCH' s P/B Range Over the Past 10 Years
Min: 0.51  Med: 0.97 Max: 2.76
Current: 0.82
0.51
2.76
P/S 2.00
BOCH's P/S is ranked higher than
62% of the 2513 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.57 vs. BOCH: 2.00 )
Ranked among companies with meaningful P/S only.
BOCH' s P/S Range Over the Past 10 Years
Min: 0.9  Med: 2.10 Max: 6.06
Current: 2
0.9
6.06
PFCF 6.67
BOCH's PFCF is ranked higher than
56% of the 1280 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.54 vs. BOCH: 6.67 )
Ranked among companies with meaningful PFCF only.
BOCH' s PFCF Range Over the Past 10 Years
Min: 1.63  Med: 8.20 Max: 30.18
Current: 6.67
1.63
30.18
POCF 6.43
BOCH's POCF is ranked higher than
52% of the 1445 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.26 vs. BOCH: 6.43 )
Ranked among companies with meaningful POCF only.
BOCH' s POCF Range Over the Past 10 Years
Min: 1.59  Med: 8.36 Max: 120
Current: 6.43
1.59
120
EV-to-EBIT 13.65
BOCH's EV-to-EBIT is ranked lower than
55% of the 2044 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.62 vs. BOCH: 13.65 )
Ranked among companies with meaningful EV-to-EBIT only.
BOCH' s EV-to-EBIT Range Over the Past 10 Years
Min: -36.4  Med: 17.20 Max: 75.7
Current: 13.65
-36.4
75.7
EV-to-EBITDA 12.07
BOCH's EV-to-EBITDA is ranked lower than
54% of the 2053 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.33 vs. BOCH: 12.07 )
Ranked among companies with meaningful EV-to-EBITDA only.
BOCH' s EV-to-EBITDA Range Over the Past 10 Years
Min: -2.7  Med: 15.20 Max: 732.1
Current: 12.07
-2.7
732.1
Shiller P/E 10.17
BOCH's Shiller P/E is ranked higher than
80% of the 557 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.24 vs. BOCH: 10.17 )
Ranked among companies with meaningful Shiller P/E only.
BOCH' s Shiller P/E Range Over the Past 10 Years
Min: 5.51  Med: 8.53 Max: 13.22
Current: 10.17
5.51
13.22

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.14
BOCH's Dividend Yield is ranked lower than
70% of the 2412 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. BOCH: 2.14 )
Ranked among companies with meaningful Dividend Yield only.
BOCH' s Dividend Yield Range Over the Past 10 Years
Min: 1.6  Med: 2.80 Max: 8.16
Current: 2.14
1.6
8.16
Dividend Payout 0.20
BOCH's Dividend Payout is ranked higher than
76% of the 1441 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. BOCH: 0.20 )
Ranked among companies with meaningful Dividend Payout only.
BOCH' s Dividend Payout Range Over the Past 10 Years
Min: 0.13  Med: 0.38 Max: 1.97
Current: 0.2
0.13
1.97
Forward Dividend Yield 2.07
BOCH's Forward Dividend Yield is ranked lower than
75% of the 2191 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.26 vs. BOCH: 2.07 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 1.05
BOCH's Yield on cost (5-Year) is ranked lower than
89% of the 2446 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.42 vs. BOCH: 1.05 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
BOCH' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.79  Med: 1.38 Max: 4.02
Current: 1.05
0.79
4.02
3-Year Average Share Buyback Ratio 7.30
BOCH's 3-Year Average Share Buyback Ratio is ranked higher than
98% of the 1061 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 vs. BOCH: 7.30 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
BOCH' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -24.9  Med: 0.25 Max: 7.3
Current: 7.3
-24.9
7.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.83
BOCH's Price/Tangible Book is ranked higher than
64% of the 1932 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. BOCH: 0.83 )
Ranked among companies with meaningful Price/Tangible Book only.
BOCH' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.55  Med: 1.39 Max: 3
Current: 0.83
0.55
3
Price/Projected FCF 0.32
BOCH's Price/Projected FCF is ranked higher than
80% of the 1071 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.64 vs. BOCH: 0.32 )
Ranked among companies with meaningful Price/Projected FCF only.
BOCH' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.33  Med: 0.50 Max: 1.57
Current: 0.32
0.33
1.57
Price/Median PS Value 0.96
BOCH's Price/Median PS Value is ranked lower than
56% of the 1761 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.94 vs. BOCH: 0.96 )
Ranked among companies with meaningful Price/Median PS Value only.
BOCH' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.46  Med: 1.35 Max: 3.77
Current: 0.96
0.46
3.77
Price/Peter Lynch Fair Value 0.94
BOCH's Price/Peter Lynch Fair Value is ranked lower than
56% of the 502 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. BOCH: 0.94 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
BOCH' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.44  Med: 1.71 Max: 3.61
Current: 0.94
0.44
3.61
Price/Graham Number 0.57
BOCH's Price/Graham Number is ranked higher than
68% of the 1720 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.79 vs. BOCH: 0.57 )
Ranked among companies with meaningful Price/Graham Number only.
BOCH' s Price/Graham Number Range Over the Past 10 Years
Min: 0.43  Med: 0.89 Max: 1.76
Current: 0.57
0.43
1.76
Earnings Yield (Greenblatt) (%) 7.33
BOCH's Earnings Yield (Greenblatt) (%) is ranked lower than
51% of the 1519 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. BOCH: 7.33 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
BOCH' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 1.3  Med: 5.70 Max: 32.5
Current: 7.33
1.3
32.5
Forward Rate of Return (Yacktman) (%) 26.06
BOCH's Forward Rate of Return (Yacktman) (%) is ranked higher than
70% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.65 vs. BOCH: 26.06 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
BOCH' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -28  Med: 9.95 Max: 54.7
Current: 26.06
-28
54.7

More Statistics

Revenue(Mil) $37
EPS $ 0.61
Beta0.31
Short Percentage of Float0.05%
52-Week Range $5.40 - 7.39
Shares Outstanding(Mil)13.37

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 NAS:BOCH

Headlines

Articles On GuruFocus.com
Weekly CFO Buys Highlight: Sothebys, Bank of Commerce Holdings, Legg Mason Jan 31 2016 
Weekly CFO Buys Highlight: Westell Technologies Inc, Full House Resorts Inc, Bank of Commerce Holdin Jun 08 2015 
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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 

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