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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 0.71
HEOP's Cash to Debt is ranked higher than
65% of the 1748 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.86 vs. HEOP: 0.71 )
HEOP' s 10-Year Cash to Debt Range
Min: 0.15   Max: N/A
Current: 0.71

Equity to Asset 0.11
HEOP's Equity to Asset is ranked higher than
78% of the 2312 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. HEOP: 0.11 )
HEOP' s 10-Year Equity to Asset Range
Min: 0.06   Max: 0.14
Current: 0.11

0.06
0.14
Interest Coverage 2.66
HEOP's Interest Coverage is ranked higher than
80% of the 2185 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. HEOP: 2.66 )
HEOP' s 10-Year Interest Coverage Range
Min: 0.17   Max: 4.61
Current: 2.66

0.17
4.61
F-Score: 5
Z-Score: 0.22
WACC vs ROIC
6.51%
6.47%
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 (%) 31.92
HEOP's Operating margin (%) is ranked higher than
76% of the 2426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.22 vs. HEOP: 31.92 )
HEOP' s 10-Year Operating margin (%) Range
Min: -68.88   Max: 35.6
Current: 31.92

-68.88
35.6
Net-margin (%) 20.33
HEOP's Net-margin (%) is ranked higher than
71% of the 2426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.12 vs. HEOP: 20.33 )
HEOP' s 10-Year Net-margin (%) Range
Min: -32.83   Max: 30.68
Current: 20.33

-32.83
30.68
ROE (%) 7.61
HEOP's ROE (%) is ranked higher than
71% of the 2426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.98 vs. HEOP: 7.61 )
HEOP' s 10-Year ROE (%) Range
Min: -17.13   Max: 18.74
Current: 7.61

-17.13
18.74
ROA (%) 0.87
HEOP's ROA (%) is ranked higher than
75% of the 2433 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. HEOP: 0.87 )
HEOP' s 10-Year ROA (%) Range
Min: -1.82   Max: 1.42
Current: 0.87

-1.82
1.42
ROC (Joel Greenblatt) (%) 63.23
HEOP's ROC (Joel Greenblatt) (%) is ranked higher than
69% of the 2392 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 89.92 vs. HEOP: 63.23 )
HEOP' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -212.27   Max: 111.46
Current: 63.23

-212.27
111.46
Revenue Growth (3Y)(%) 1.10
HEOP's Revenue Growth (3Y)(%) is ranked higher than
71% of the 2094 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. HEOP: 1.10 )
HEOP' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 40.4
Current: 1.1

0
40.4
EBITDA Growth (3Y)(%) 5.90
HEOP's EBITDA Growth (3Y)(%) is ranked higher than
72% of the 1872 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. HEOP: 5.90 )
HEOP' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 23.7
Current: 5.9

0
23.7
EPS Growth (3Y)(%) 4.00
HEOP's EPS Growth (3Y)(%) is ranked higher than
67% of the 1904 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.20 vs. HEOP: 4.00 )
HEOP' s 10-Year EPS Growth (3Y)(%) Range
Min: -39.7   Max: 24.3
Current: 4

-39.7
24.3
» HEOP's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2014

HEOP Guru Trades in Q2 2014

Michael Price 1,166,575 sh (unchged)
Jim Simons 38,403 sh (-46.17%)
» More
Q3 2014

HEOP Guru Trades in Q3 2014

Michael Price 1,166,575 sh (unchged)
Jim Simons Sold Out
» More
Q4 2014

HEOP Guru Trades in Q4 2014

Michael Price 1,166,575 sh (unchged)
» More
Q1 2015

HEOP Guru Trades in Q1 2015

Jim Simons 18,300 sh (New)
Michael Price 1,166,575 sh (unchged)
» More
» Details

Insider Trades

Latest Guru Trades with HEOP

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

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Ratios

vs
industry
vs
history
P/E(ttm) 17.70
HEOP's P/E(ttm) is ranked higher than
72% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.40 vs. HEOP: 17.70 )
HEOP' s 10-Year P/E(ttm) Range
Min: 8.71   Max: 101.78
Current: 17.7

8.71
101.78
Forward P/E 11.71
HEOP's Forward P/E is ranked higher than
85% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. HEOP: 11.71 )
N/A
PE(NRI) 17.60
HEOP's PE(NRI) is ranked higher than
74% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.40 vs. HEOP: 17.60 )
HEOP' s 10-Year PE(NRI) Range
Min: 8.72   Max: 104.69
Current: 17.6

8.72
104.69
P/B 1.31
HEOP's P/B is ranked higher than
69% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.40 vs. HEOP: 1.31 )
HEOP' s 10-Year P/B Range
Min: 0.37   Max: 3.17
Current: 1.31

0.37
3.17
P/S 3.61
HEOP's P/S is ranked higher than
64% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.73 vs. HEOP: 3.61 )
HEOP' s 10-Year P/S Range
Min: 0.56   Max: 20.19
Current: 3.61

0.56
20.19
PFCF 14.31
HEOP's PFCF is ranked higher than
80% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. HEOP: 14.31 )
HEOP' s 10-Year PFCF Range
Min: 2   Max: 99999999.99
Current: 14.31

2
99999999.99
POCF 12.27
HEOP's POCF is ranked higher than
81% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 194.36 vs. HEOP: 12.27 )
HEOP' s 10-Year POCF Range
Min: 1.88   Max: 60.49
Current: 12.27

1.88
60.49
EV-to-EBIT 12.68
HEOP's EV-to-EBIT is ranked higher than
82% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.17 vs. HEOP: 12.68 )
HEOP' s 10-Year EV-to-EBIT Range
Min: -404.9   Max: 201.6
Current: 12.68

-404.9
201.6

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.46
HEOP's Dividend Yield is ranked higher than
51% of the 2288 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.49 vs. HEOP: 2.46 )
HEOP' s 10-Year Dividend Yield Range
Min: 0.38   Max: 3.35
Current: 2.46

0.38
3.35
Dividend Payout 0.31
HEOP's Dividend Payout is ranked higher than
81% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.69 vs. HEOP: 0.31 )
HEOP' s 10-Year Dividend Payout Range
Min: 0.3   Max: 0.42
Current: 0.31

0.3
0.42
Yield on cost (5-Year) 2.40
HEOP's Yield on cost (5-Year) is ranked lower than
55% of the 2296 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.82 vs. HEOP: 2.40 )
HEOP' s 10-Year Yield on cost (5-Year) Range
Min: 0.38   Max: 3.35
Current: 2.4

0.38
3.35
Share Buyback Rate -7.60
HEOP's Share Buyback Rate is ranked higher than
61% of the 1722 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 vs. HEOP: -7.60 )
HEOP' s 10-Year Share Buyback Rate Range
Min: -0.8   Max: -50.8
Current: -7.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.54
HEOP's Price/Tangible Book is ranked higher than
69% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.66 vs. HEOP: 1.54 )
HEOP' s 10-Year Price/Tangible Book Range
Min: 0.55   Max: 3.31
Current: 1.54

0.55
3.31
Price/DCF (Projected) 0.93
HEOP's Price/DCF (Projected) is ranked higher than
82% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. HEOP: 0.93 )
HEOP' s 10-Year Price/DCF (Projected) Range
Min: 0.21   Max: 3
Current: 0.93

0.21
3
Price/Median PS Value 1.29
HEOP's Price/Median PS Value is ranked higher than
69% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. HEOP: 1.29 )
HEOP' s 10-Year Price/Median PS Value Range
Min: 0.23   Max: 6.49
Current: 1.29

0.23
6.49
Price/Graham Number 1.10
HEOP's Price/Graham Number is ranked higher than
71% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. HEOP: 1.10 )
HEOP' s 10-Year Price/Graham Number Range
Min: 0.62   Max: 1.95
Current: 1.1

0.62
1.95
Earnings Yield (Greenblatt) 7.90
HEOP's Earnings Yield (Greenblatt) is ranked higher than
77% of the 2417 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. HEOP: 7.90 )
HEOP' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.5   Max: 13.5
Current: 7.9

0.5
13.5
Forward Rate of Return (Yacktman) -2.51
HEOP's Forward Rate of Return (Yacktman) is ranked higher than
58% of the 1444 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.67 vs. HEOP: -2.51 )
HEOP' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -2.4   Max: 29.4
Current: -2.51

-2.4
29.4

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Heritage Oaks Bancorp is a California corporation organized in 1994 and registered as a bank holding company. The Company acquired all of the outstanding common stock of Heritage Oaks Bank (Bank) and its subsidiaries in 1994. The Bank is a community-oriented financial services firm that provides banking products and services to small and medium sized businesses and consumers. Products and services are offered primarily through 12 retail branches located on the Central Coast of California, in San Luis Obispo and Santa Barbara Counties and through other direct channels, including two loan production offices in Santa Barbara and Ventura Counties. The Bank offers to its commercial clients commercial loans secured by real estate, other commercial loans and lines of credit, agricultural loans, construction financing, other real estate loans and SBA loans. For consumers, the Bank offers residential mortgages, equity lines of credit and other consumer loans. Deposit products offered include personal and business checking and savings accounts, time deposit accounts, individual retirement accounts ("IRAs") and money market accounts. The Bank also offers online banking, mobile banking, wire transfers, safe deposit boxes, cashier's checks, traveler's checks, bank-by-mail, night depository services and other customary banking services. The Company's competitors include money center banks and large regional banks. Competition also includes other community-focused commercial banks. As a bank holding company, the Company is regulated under the Bank Holding Company Act ("BHC Act") and is subject to inspection, examination and supervision by the Federal Reserve. It is also subject to the California Financial Code, as well as limited oversight by the DBO and the FDIC.
» More Articles for HEOP

Headlines

Articles On GuruFocus.com
Heritage Oaks Bancorp Reports Operating Results (10-K) Mar 10 2011 
Heritage Oaks Bancorp Reports Operating Results (10-Q/A) Sep 24 2010 
Heritage Oaks Bancorp Reports Operating Results (10-Q) May 05 2010 
Heritage Oaks Bancorp Reports Operating Results (10-Q) Nov 09 2009 
Heritage Oaks Bancorp Reports Operating Results (10-Q) Aug 10 2009 
Heritage Oaks Bancorp Reports Operating Results (10-Q) May 08 2009 

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