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5.81 (1y: +15%)
Market Cap 147.2 M P/E(ttm) 11.10
Enterprise Value 216.41 M P/B 1.00
HEOP- NAS (USA)
Heritage Oaks Bancorp
  • 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
$5.81
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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 0.456
HEOP's Cash to Debt is ranked lower than
71% of the 707 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.34 vs. HEOP: 0.456 )
HEOP' s 10-Year Cash to Debt Range
Min: 0.15   Max: 23.08
Current: 0.46
0.15
23.08
Equity to Asset 0.121
HEOP's Equity to Asset is ranked higher than
71% of the 882 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. HEOP: 0.121 )
HEOP' s 10-Year Equity to Asset Range
Min: 0.06   Max: 0.12
Current: 0.12
0.06
0.12
Interest Coverage No Debt
HEOP's Interest Coverage is ranked lower than
66% of the 882 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10000.00 vs. HEOP: No Debt )
HEOP' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
F-Score: 5
Z-Score: 0.35
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 : 5/10

vs
industry		 vs
history
Operating margin (%) 20.40
HEOP's Operating margin (%) is ranked lower than
72% of the 719 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 28.90 vs. HEOP: 20.40 )
HEOP' s 10-Year Operating margin (%) Range
Min: -37   Max: 35.6
Current: 20.4
-37
35.6
Net-margin (%) 23.7
HEOP's Net-margin (%) is ranked higher than
65% of the 793 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.60 vs. HEOP: 23.7 )
HEOP' s 10-Year Net-margin (%) Range
Min: -33.6   Max: 23.7
Current: 23.7
-33.6
23.7
ROE (%) 9
HEOP's ROE (%) is ranked higher than
63% of the 775 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. HEOP: 9 )
HEOP' s 10-Year ROE (%) Range
Min: -14.5   Max: 16.7
Current: 9
-14.5
16.7
ROA (%) 1.2
HEOP's ROA (%) is ranked higher than
81% of the 768 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. HEOP: 1.2 )
HEOP' s 10-Year ROA (%) Range
Min: -1.8   Max: 1.4
Current: 1.2
-1.8
1.4
ROC (Joel Greenblatt) (%) 75.70
HEOP's ROC (Joel Greenblatt) (%) is ranked lower than
54% of the 344 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 84.50 vs. HEOP: 75.70 )
HEOP' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -65.3   Max: 7024.3
Current: 75.7
-65.3
7024.3
Revenue Growth (%) -23
HEOP's Revenue Growth (%) is ranked lower than
290697% of the 344 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.40 vs. HEOP: -23 )
HEOP' s 10-Year Revenue Growth (%) Range
Min: -23   Max: 10.6
Current: -23
-23
10.6
ยป HEOP's 10-Y Financials

Financials


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

» Details

Guru Trades
Q2 2012

HEOP Guru Trades in Q2 2012

Michael Price 1,166,575 sh (-0.04%)
» More
Q3 2012

HEOP Guru Trades in Q3 2012

Jeremy Grantham 43,100 sh (New)
Jim Simons 14,200 sh (New)
Michael Price 1,166,575 sh (unchged)
» More
Q4 2012

HEOP Guru Trades in Q4 2012

Michael Price 1,166,575 sh (unchged)
Jim Simons 10,825 sh (-23.77%)
» More
Q1 2013

HEOP Guru Trades in Q1 2013

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

Insider Trades

Latest Guru Trades with HEOP

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Michael Price 2010-06-30 New Buy0.95%$3.2 - $4.25 $ 5.8258%1165846
Premium More recent guru trades are included for Premium Members only!!

Ratios

vs
industry		 vs
history
P/E(ttm) 11.10
HEOP's P/E(ttm) is ranked higher than
70% of the 792 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.70 vs. HEOP: 11.10 )
HEOP' s 10-Year P/E(ttm) Range
Min: 8.75   Max: 91.6
Current: 11.1
8.75
91.6
P/B 1.00
HEOP's P/B is ranked lower than
51% of the 877 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.94 vs. HEOP: 1.00 )
HEOP' s 10-Year P/B Range
Min: 0.19   Max: 3.42
Current: 1
0.19
3.42
P/S 2.70
HEOP's P/S is ranked lower than
58% of the 896 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.48 vs. HEOP: 2.70 )
HEOP' s 10-Year P/S Range
Min: 0.56   Max: 4.95
Current: 2.7
0.56
4.95
PFCF 7.00
HEOP's PFCF is ranked lower than
51% of the 695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. HEOP: 7.00 )
HEOP' s 10-Year PFCF Range
Min: 2   Max: 97.95
Current: 7
2
97.95
EV-to-EBIT 13.5
HEOP's EV-to-EBIT is ranked higher than
59% of the 745 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.89 vs. HEOP: 13.5 )
HEOP' s 10-Year EV-to-EBIT Range
Min: 0.1   Max: 199.8
Current: 13.5
0.1
199.8
Shiller P/E 336.4
HEOP's Shiller P/E is ranked lower than
100% of the Companies
in the Global Banks - Regional - US industry.

( Industry Median: vs. HEOP: 336.4 )
HEOP' s 10-Year Shiller P/E Range
Min: 4.49   Max: 337
Current: 336.4
4.49
337

Valuation & Return

vs
industry		 vs
history
Price/Tangible Book 1.1
HEOP's Price/Tangible Book is ranked lower than
52% of the 798 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. HEOP: 1.1 )
HEOP' s 10-Year Price/Tangible Book Range
Min: 0.5   Max: 3.5
Current: 1.1
0.5
3.5
Price/DCF (Projected) 0.7
HEOP's Price/DCF (Projected) is ranked lower than
62% of the 503 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. HEOP: 0.7 )
HEOP' s 10-Year Price/DCF (Projected) Range
Min: 0.3   Max: 1.4
Current: 0.7
0.3
1.4
Price/Median PS Value 1.1
HEOP's Price/Median PS Value is ranked lower than
62% of the 854 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. HEOP: 1.1 )
HEOP' s 10-Year Price/Median PS Value Range
Min: 0.3   Max: 1.8
Current: 1.1
0.3
1.8
Price/Graham Number 0.8
HEOP's Price/Graham Number is ranked lower than
53% of the 763 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. HEOP: 0.8 )
HEOP' s 10-Year Price/Graham Number Range
Min: 0.7   Max: 1.8
Current: 0.8
0.7
1.8
Earnings Yield (Greenblatt) 7.40
HEOP's Earnings Yield (Greenblatt) is ranked higher than
58% of the 745 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. HEOP: 7.40 )
HEOP' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.5   Max: 1348.9
Current: 7.4
0.5
1348.9
Forward Rate of Return (Yacktman) 7.07
HEOP's Forward Rate of Return (Yacktman) is ranked lower than
80% of the 487 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.14 vs. HEOP: 7.07 )
HEOP' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -1.6   Max: 25.8
Current: 7.07
-1.6
25.8

Business Description

Heritage Oaks Bancorp is a California corporation organized in 1994 to act as the holding company of Heritage Oaks Bank (the 'Bank'). The Bank conducts a commercial banking business in the counties of San Luis Obispo and Santa Barbara, including accepting demand, savings and time deposits, and making commercial, real estate, SBA, agricultural, credit card, and consumer loans. The Bank was licensed by the California Department of Financial Institutions (DFI) and commenced operation in January 1983. The Bank also offers installment note collection, issues cashier's checks and money orders, sells travelers checks, and provides bank-by-mail, night depository, safe deposit boxes, online banking, and other customary banking services. The Bank's operating policies since inception have emphasized small business, commercial and retail banking. Most of the Bank's customers are retail customers, farmers and small to medium-sized businesses. The Bank takes real estate, listed and unlisted securities, savings and time deposits, automobiles, machinery and equipment as collateral for loans. The areas in which the Bank has directed virtually all of its lending activities are: commercial and industrial loans, installment loans, construction loans, and other real estate loans or commercial loans secured by real estate. Most of the Bank's deposits are obtained through local promotional activities and advertising in the local media. The Company and the Bank are extensively regulated under both federal and state law.
Company Website
SEC Reports
Industry: Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR
ยป 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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