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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 1.04
HEOP's Cash to Debt is ranked higher than
74% of the 1340 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.26 vs. HEOP: 1.04 )
HEOP' s 10-Year Cash to Debt Range
Min: 0.15   Max: No Debt
Current: 1.04

Equity to Asset 0.11
HEOP's Equity to Asset is ranked higher than
78% of the 1732 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 4.61
HEOP's Interest Coverage is ranked higher than
90% of the 1595 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. HEOP: 4.61 )
HEOP' s 10-Year Interest Coverage Range
Min: 0.17   Max: 4.61
Current: 4.61

0.17
4.61
F-Score: 4
Z-Score: 0.17
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 : 4/10

vs
industry
vs
history
Operating margin (%) 15.95
HEOP's Operating margin (%) is ranked higher than
58% of the 1755 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 28.45 vs. HEOP: 15.95 )
HEOP' s 10-Year Operating margin (%) Range
Min: -68.88   Max: 35.6
Current: 15.95

-68.88
35.6
Net-margin (%) 9.73
HEOP's Net-margin (%) is ranked higher than
56% of the 1762 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.29 vs. HEOP: 9.73 )
HEOP' s 10-Year Net-margin (%) Range
Min: -32.83   Max: 30.68
Current: 9.73

-32.83
30.68
ROE (%) 3.60
HEOP's ROE (%) is ranked higher than
56% of the 1768 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.01 vs. HEOP: 3.60 )
HEOP' s 10-Year ROE (%) Range
Min: -17.13   Max: 18.74
Current: 3.6

-17.13
18.74
ROA (%) 0.41
HEOP's ROA (%) is ranked higher than
59% of the 1768 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.75 vs. HEOP: 0.41 )
HEOP' s 10-Year ROA (%) Range
Min: -1.82   Max: 1.42
Current: 0.41

-1.82
1.42
ROC (Joel Greenblatt) (%) 33.18
HEOP's ROC (Joel Greenblatt) (%) is ranked higher than
59% of the 1726 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 68.75 vs. HEOP: 33.18 )
HEOP' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -212.27   Max: 111.46
Current: 33.18

-212.27
111.46
Revenue Growth (%) -12.80
HEOP's Revenue Growth (%) is ranked higher than
55% of the 1536 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.50 vs. HEOP: -12.80 )
HEOP' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 40.4
Current: -12.8

0
40.4
» HEOP's 10-Y Financials

Financials


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

» Details

Guru Trades

Q3 2013

HEOP Guru Trades in Q3 2013

Jim Simons 13,000 sh (New)
Michael Price 1,166,575 sh (unchged)
» More
Q4 2013

HEOP Guru Trades in Q4 2013

Jim Simons 64,385 sh (+395.27%)
Michael Price 1,166,575 sh (unchged)
» More
Q1 2014

HEOP Guru Trades in Q1 2014

Jim Simons 71,335 sh (+10.79%)
Michael Price 1,166,575 sh (unchged)
» More
Q2 2014

HEOP Guru Trades in Q2 2014

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



No Insider Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 36.20
HEOP's P/E(ttm) is ranked higher than
51% of the 1578 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.70 vs. HEOP: 36.20 )
HEOP' s 10-Year P/E(ttm) Range
Min: 8.71   Max: 101.78
Current: 36.2

8.71
101.78
P/B 1.22
HEOP's P/B is ranked higher than
66% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. HEOP: 1.22 )
HEOP' s 10-Year P/B Range
Min: 0.37   Max: 3.45
Current: 1.22

0.37
3.45
P/S 3.49
HEOP's P/S is ranked higher than
65% of the 1711 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.85 vs. HEOP: 3.49 )
HEOP' s 10-Year P/S Range
Min: 0.56   Max: 8.56
Current: 3.49

0.56
8.56
PFCF 9.14
HEOP's PFCF is ranked higher than
71% of the 982 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.80 vs. HEOP: 9.14 )
HEOP' s 10-Year PFCF Range
Min: 2   Max: 145.25
Current: 9.14

2
145.25
EV-to-EBIT 25.14
HEOP's EV-to-EBIT is ranked higher than
66% of the 1906 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.25 vs. HEOP: 25.14 )
HEOP' s 10-Year EV-to-EBIT Range
Min: 7.4   Max: 201.6
Current: 25.14

7.4
201.6

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.42
HEOP's Dividend Yield is ranked lower than
92% of the 1484 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.38 vs. HEOP: 0.42 )
HEOP' s 10-Year Dividend Yield Range
Min: 0.42   Max: 3.11
Current: 0.42

0.42
3.11
Yield on cost (5-Year) 0.40
HEOP's Yield on cost (5-Year) is ranked lower than
89% of the 1497 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.67 vs. HEOP: 0.40 )
HEOP' s 10-Year Yield on cost (5-Year) Range
Min: 0.42   Max: 3.11
Current: 0.4

0.42
3.11
Share Buyback Rate -15.30
HEOP's Share Buyback Rate is ranked higher than
56% of the 1291 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. HEOP: -15.30 )
HEOP' s 10-Year Share Buyback Rate Range
Min: -0.8   Max: -50.8
Current: -15.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.46
HEOP's Price/Tangible Book is ranked higher than
70% of the 1906 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.44 vs. HEOP: 1.46 )
HEOP' s 10-Year Price/Tangible Book Range
Min: 0.55   Max: 3.31
Current: 1.46

0.55
3.31
Price/DCF (Projected) 0.90
HEOP's Price/DCF (Projected) is ranked higher than
58% of the 1192 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. HEOP: 0.90 )
HEOP' s 10-Year Price/DCF (Projected) Range
Min: 0.18   Max: 2.27
Current: 0.9

0.18
2.27
Price/Median PS Value 1.26
HEOP's Price/Median PS Value is ranked higher than
66% of the 1906 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. HEOP: 1.26 )
HEOP' s 10-Year Price/Median PS Value Range
Min: 0.23   Max: 6.02
Current: 1.26

0.23
6.02
Price/Graham Number 1.61
HEOP's Price/Graham Number is ranked lower than
51% of the 1409 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.93 vs. HEOP: 1.61 )
HEOP' s 10-Year Price/Graham Number Range
Min: 0.62   Max: 1.95
Current: 1.61

0.62
1.95
Earnings Yield (Greenblatt) 4.00
HEOP's Earnings Yield (Greenblatt) is ranked higher than
58% of the 1603 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. HEOP: 4.00 )
HEOP' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.5   Max: 13.5
Current: 4

0.5
13.5
Forward Rate of Return (Yacktman) 5.47
HEOP's Forward Rate of Return (Yacktman) is ranked higher than
59% of the 1348 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.46 vs. HEOP: 5.47 )
HEOP' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 0.4   Max: 84
Current: 5.47

0.4
84

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, N.A. and its subsidiaries in 1994. It acts as a bank holding company of Heritage Oaks Bank. 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 recently opened loan production offices in Santa Barbara and Ventura Counties. The Bank offers to its commercial client's commercial loans secured by real estate, commercial loans and lines of credit, agricultural loans, construction financing, and other real estate loans. For consumers, the Bank offers residential mortgages, equity lines of credit and other consumer loans. Its deposit products include personal and business checking and savings accounts, time deposit accounts, individual retirement accounts, and money market accounts. Further, the Bank also offers online banking, mobile banking, wire transfers, safe deposit boxes, issues cashier's checks, traveler's checks, bank-by-mail, night depository services, and other customary banking services .As a California state bank, the Bank is subject to primary supervision, examination and regulation by the DFI and the Federal Deposit Insurance Corporation. The Bank is also subject to certain other federal laws and regulations.
» 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 The Retirement Of Executive Vice President And General Counsel... Sep 10 2014
Heritage Oaks Bancorp Announces the Retirement of Executive Vice President and General Counsel... Sep 10 2014
HERITAGE OAKS BANCORP Files SEC form 8-K, Change in Directors or Principal Officers Sep 10 2014
HERITAGE OAKS BANCORP Financials Aug 08 2014
HERITAGE OAKS BANCORP Files SEC form 10-Q, Quarterly Report Aug 01 2014
HERITAGE OAKS BANCORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jul 29 2014
Heritage Oaks Bancorp Reports Second Quarter Results Jul 28 2014
Q2 2014 Heritage Oaks Bancorp Earnings Release - After Market Close Jul 28 2014
HERITAGE OAKS BANCORP Files SEC form 8-K, Other Events Jul 24 2014
HERITAGE OAKS BANCORP Files SEC form 8-K, Regulation FD Disclosure Jul 01 2014
Heritage Oaks Bancorp Schedules Second Quarter Conference Call Jul 01 2014
HERITAGE OAKS BANCORP Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 30 2014
HERITAGE OAKS BANCORP Files SEC form 8-K/A, Financial Statements and Exhibits May 15 2014
Heritage Oaks requests withdrawal of registration statement May 13 2014
HERITAGE OAKS BANCORP Files SEC form 10-Q, Quarterly Report May 02 2014
HERITAGE OAKS BANCORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Apr 30 2014
HERITAGE OAKS BANCORP Files SEC form 8-K, Regulation FD Disclosure Apr 01 2014
Is Heritage Oaks (HEOP) Stock a Solid Choice Right Now? Mar 14 2014
Heritage Oaks Announces New Chief Financial Officer Mar 12 2014
HERITAGE OAKS BANCORP Files SEC form 8-K, Change in Directors or Principal Officers Mar 12 2014

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