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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 1.21
HEOP's Cash to Debt is ranked lower than
52% of the 983 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.38 vs. HEOP: 1.21 )
Ranked among companies with meaningful Cash to Debt only.
HEOP' s 10-Year Cash to Debt Range
Min: 0.15  Med: 0.69 Max: N/A
Current: 1.21
Equity to Asset 0.11
HEOP's Equity to Asset is ranked higher than
59% of the 1353 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. HEOP: 0.11 )
Ranked among companies with meaningful Equity to Asset only.
HEOP' s 10-Year Equity to Asset Range
Min: 0.06  Med: 0.09 Max: 0.14
Current: 0.11
0.06
0.14
Interest Coverage 2.66
HEOP's Interest Coverage is ranked higher than
64% of the 1269 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.61 vs. HEOP: 2.66 )
Ranked among companies with meaningful Interest Coverage only.
HEOP' s 10-Year Interest Coverage Range
Min: 0.17  Med: 1.26 Max: 4.61
Current: 2.66
0.17
4.61
F-Score: 5
WACC vs ROIC
6.11%
7.08%
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 (%) 33.91
HEOP's Operating margin (%) is ranked higher than
59% of the 1421 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.31 vs. HEOP: 33.91 )
Ranked among companies with meaningful Operating margin (%) only.
HEOP' s 10-Year Operating margin (%) Range
Min: -68.88  Med: 20.42 Max: 35.6
Current: 33.91
-68.88
35.6
Net-margin (%) 21.54
HEOP's Net-margin (%) is ranked lower than
52% of the 1421 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.02 vs. HEOP: 21.54 )
Ranked among companies with meaningful Net-margin (%) only.
HEOP' s 10-Year Net-margin (%) Range
Min: -32.83  Med: 16.02 Max: 30.68
Current: 21.54
-32.83
30.68
ROE (%) 7.81
HEOP's ROE (%) is ranked lower than
55% of the 1423 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.48 vs. HEOP: 7.81 )
Ranked among companies with meaningful ROE (%) only.
HEOP' s 10-Year ROE (%) Range
Min: -22.02  Med: 13.49 Max: 18.74
Current: 7.81
-22.02
18.74
ROA (%) 0.90
HEOP's ROA (%) is ranked higher than
53% of the 1432 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. HEOP: 0.90 )
Ranked among companies with meaningful ROA (%) only.
HEOP' s 10-Year ROA (%) Range
Min: -1.82  Med: 1.02 Max: 1.42
Current: 0.9
-1.82
1.42
Revenue Growth (3Y)(%) 1.10
HEOP's Revenue Growth (3Y)(%) is ranked lower than
55% of the 1210 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. HEOP: 1.10 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
HEOP' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: 5.80 Max: 40.4
Current: 1.1
0
40.4
EBITDA Growth (3Y)(%) 5.90
HEOP's EBITDA Growth (3Y)(%) is ranked lower than
56% of the 1066 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. HEOP: 5.90 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
HEOP' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: -0.40 Max: 23.7
Current: 5.9
0
23.7
EPS Growth (3Y)(%) 4.00
HEOP's EPS Growth (3Y)(%) is ranked lower than
65% of the 1065 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.70 vs. HEOP: 4.00 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
HEOP' s 10-Year EPS Growth (3Y)(%) Range
Min: -39.7  Med: 14.20 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

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
Q2 2015

HEOP Guru Trades in Q2 2015

Jim Simons 37,500 sh (+104.92%)
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) 16.73
HEOP's P/E(ttm) is ranked lower than
68% of the 1300 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. HEOP: 16.73 )
Ranked among companies with meaningful P/E(ttm) only.
HEOP' s 10-Year P/E(ttm) Range
Min: 8.71  Med: 17.71 Max: 101.78
Current: 16.73
8.71
101.78
Forward P/E 12.18
HEOP's Forward P/E is ranked lower than
55% of the 718 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.82 vs. HEOP: 12.18 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 16.70
HEOP's PE(NRI) is ranked lower than
69% of the 1288 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. HEOP: 16.70 )
Ranked among companies with meaningful PE(NRI) only.
HEOP' s 10-Year PE(NRI) Range
Min: 8.72  Med: 17.57 Max: 104.69
Current: 16.7
8.72
104.69
P/B 1.27
HEOP's P/B is ranked lower than
68% of the 1381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.05 vs. HEOP: 1.27 )
Ranked among companies with meaningful P/B only.
HEOP' s 10-Year P/B Range
Min: 0.37  Med: 1.29 Max: 3.18
Current: 1.27
0.37
3.18
P/S 3.59
HEOP's P/S is ranked lower than
66% of the 1426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.88 vs. HEOP: 3.59 )
Ranked among companies with meaningful P/S only.
HEOP' s 10-Year P/S Range
Min: 0.56  Med: 2.79 Max: 20.19
Current: 3.59
0.56
20.19
PFCF 11.08
HEOP's PFCF is ranked lower than
52% of the 858 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.85 vs. HEOP: 11.08 )
Ranked among companies with meaningful PFCF only.
HEOP' s 10-Year PFCF Range
Min: 2  Med: 14.13 Max: 99999999.99
Current: 11.08
2
99999999.99
POCF 9.92
HEOP's POCF is ranked lower than
55% of the 954 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.17 vs. HEOP: 9.92 )
Ranked among companies with meaningful POCF only.
HEOP' s 10-Year POCF Range
Min: 1.88  Med: 10.85 Max: 178.83
Current: 9.92
1.88
178.83
EV-to-EBIT 9.73
HEOP's EV-to-EBIT is ranked higher than
70% of the 1297 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.56 vs. HEOP: 9.73 )
Ranked among companies with meaningful EV-to-EBIT only.
HEOP' s 10-Year EV-to-EBIT Range
Min: -404.9  Med: 15.50 Max: 201.6
Current: 9.73
-404.9
201.6

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.86
HEOP's Dividend Yield is ranked higher than
53% of the 2262 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.73 vs. HEOP: 2.86 )
Ranked among companies with meaningful Dividend Yield only.
HEOP' s 10-Year Dividend Yield Range
Min: 0.38  Med: 1.75 Max: 3.35
Current: 2.86
0.38
3.35
Dividend Payout 0.42
HEOP's Dividend Payout is ranked lower than
64% of the 1321 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. HEOP: 0.42 )
Ranked among companies with meaningful Dividend Payout only.
HEOP' s 10-Year Dividend Payout Range
Min: 0.3  Med: 0.33 Max: 0.55
Current: 0.42
0.3
0.55
Yield on cost (5-Year) 2.86
HEOP's Yield on cost (5-Year) is ranked lower than
54% of the 2265 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.15 vs. HEOP: 2.86 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
HEOP' s 10-Year Yield on cost (5-Year) Range
Min: 0.38  Med: 1.75 Max: 3.35
Current: 2.86
0.38
3.35
Share Buyback Rate -7.60
HEOP's Share Buyback Rate is ranked lower than
72% of the 1012 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. HEOP: -7.60 )
Ranked among companies with meaningful Share Buyback Rate only.
HEOP' s 10-Year Share Buyback Rate Range
Min: -0.8  Med: -7.25 Max: -50.8
Current: -7.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.51
HEOP's Price/Tangible Book is ranked lower than
71% of the 1349 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. HEOP: 1.51 )
Ranked among companies with meaningful Price/Tangible Book only.
HEOP' s 10-Year Price/Tangible Book Range
Min: 0.55  Med: 1.68 Max: 3.32
Current: 1.51
0.55
3.32
Price/Projected FCF 0.88
HEOP's Price/Projected FCF is ranked lower than
69% of the 806 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.67 vs. HEOP: 0.88 )
Ranked among companies with meaningful Price/Projected FCF only.
HEOP' s 10-Year Price/Projected FCF Range
Min: 0.22  Med: 0.94 Max: 3.73
Current: 0.88
0.22
3.73
Price/Median PS Value 1.29
HEOP's Price/Median PS Value is ranked lower than
76% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.05 vs. HEOP: 1.29 )
Ranked among companies with meaningful Price/Median PS Value only.
HEOP' s 10-Year Price/Median PS Value Range
Min: 0.23  Med: 1.00 Max: 6.49
Current: 1.29
0.23
6.49
Price/Graham Number 1.06
HEOP's Price/Graham Number is ranked lower than
70% of the 1192 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. HEOP: 1.06 )
Ranked among companies with meaningful Price/Graham Number only.
HEOP' s 10-Year Price/Graham Number Range
Min: 0.62  Med: 1.10 Max: 1.95
Current: 1.06
0.62
1.95
Earnings Yield (Greenblatt) (%) 10.26
HEOP's Earnings Yield (Greenblatt) (%) is ranked higher than
73% of the 1422 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. HEOP: 10.26 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
HEOP' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.5  Med: 5.90 Max: 13.5
Current: 10.26
0.5
13.5
Forward Rate of Return (Yacktman) (%) -5.94
HEOP's Forward Rate of Return (Yacktman) (%) is ranked lower than
83% of the 785 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.29 vs. HEOP: -5.94 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
HEOP' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -5.9  Med: 8.10 Max: 24.3
Current: -5.94
-5.9
24.3

Analyst Estimate

Dec15 Dec16
EPS($) 0.48 0.63
EPS without NRI($) 0.48 0.63

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 

More From Other Websites
Heritage Oaks Bancorp Announces Resignation of Lonny Robinson From the Positions of Executive Vice... Aug 20 2015
HERITAGE OAKS BANCORP Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Aug 19 2015
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Heritage Oaks Bancorp Earnings Q2*, 2015 Aug 13 2015
HERITAGE OAKS BANCORP Financials Aug 06 2015
HERITAGE OAKS BANCORP Files SEC form 8-K, Other Events Aug 04 2015
10-Q for Heritage Oaks Bancorp Aug 01 2015
HERITAGE OAKS BANCORP Files SEC form 10-Q, Quarterly Report Jul 30 2015
Edited Transcript of HEOP earnings conference call or presentation 24-Jul-15 3:00pm GMT Jul 24 2015
Heritage Oaks Bancorp posts 2Q profit Jul 23 2015
Heritage Oaks Bancorp posts 2Q profit Jul 23 2015
HERITAGE OAKS BANCORP Files SEC form 8-K, Results of Operations and Financial Condition, Other... Jul 23 2015
Heritage Oaks Bancorp Reports Second Quarter Results Jul 23 2015
Q2 2015 Heritage Oaks Bancorp Earnings Release - After Market Close Jul 23 2015
Heritage Oaks Bancorp Schedules Second Quarter Conference Call Jul 04 2015
HERITAGE OAKS BANCORP Files SEC form 8-K, Regulation FD Disclosure Jul 01 2015
Heritage Oaks Bancorp Schedules Second Quarter Conference Call Jul 01 2015
Heritage Oaks Downgraded At KBW: 'Valuation Now A Premium' Jun 15 2015
Heritage Oaks Bancorp downgraded by Keefe Bruyette Jun 15 2015
HERITAGE OAKS BANCORP Files SEC form 8-K, Other Events Jun 08 2015

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