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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 0.61
HEOP's Cash to Debt is ranked lower than
63% of the 1088 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. HEOP: 0.61 )
Ranked among companies with meaningful Cash to Debt only.
HEOP' s Cash to Debt Range Over the Past 10 Years
Min: 0.15  Med: 0.71 Max: N/A
Current: 0.61
Equity to Asset 0.11
HEOP's Equity to Asset is ranked higher than
59% of the 1578 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 Equity to Asset Range Over the Past 10 Years
Min: 0.06  Med: 0.09 Max: 0.14
Current: 0.11
0.06
0.14
Interest Coverage 4.16
HEOP's Interest Coverage is ranked higher than
75% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.82 vs. HEOP: 4.16 )
Ranked among companies with meaningful Interest Coverage only.
HEOP' s Interest Coverage Range Over the Past 10 Years
Min: 0.17  Med: 2.02 Max: 4.61
Current: 4.16
0.17
4.61
F-Score: 5
WACC vs ROIC
6.19%
6.87%
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 : 6/10

vs
industry
vs
history
Operating margin (%) 33.47
HEOP's Operating margin (%) is ranked higher than
57% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.86 vs. HEOP: 33.47 )
Ranked among companies with meaningful Operating margin (%) only.
HEOP' s Operating margin (%) Range Over the Past 10 Years
Min: -36.98  Med: 20.22 Max: 35.6
Current: 33.47
-36.98
35.6
Net-margin (%) 21.20
HEOP's Net-margin (%) is ranked lower than
55% of the 1593 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.37 vs. HEOP: 21.20 )
Ranked among companies with meaningful Net-margin (%) only.
HEOP' s Net-margin (%) Range Over the Past 10 Years
Min: -33.61  Med: 16.97 Max: 23.68
Current: 21.2
-33.61
23.68
ROE (%) 7.54
HEOP's ROE (%) is ranked lower than
55% of the 1589 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.01 vs. HEOP: 7.54 )
Ranked among companies with meaningful ROE (%) only.
HEOP' s ROE (%) Range Over the Past 10 Years
Min: -22.02  Med: 6.37 Max: 16.17
Current: 7.54
-22.02
16.17
ROA (%) 0.84
HEOP's ROA (%) is ranked lower than
52% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. HEOP: 0.84 )
Ranked among companies with meaningful ROA (%) only.
HEOP' s ROA (%) Range Over the Past 10 Years
Min: -1.82  Med: 0.86 Max: 1.42
Current: 0.84
-1.82
1.42
Revenue Growth (3Y)(%) 1.10
HEOP's Revenue Growth (3Y)(%) is ranked lower than
96% of the 1284 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 Revenue Growth (3Y)(%) Range Over the Past 10 Years
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
95% of the 1167 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. HEOP: 5.90 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
HEOP' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 5.90 Max: 23.7
Current: 5.9
0
23.7
EPS Growth (3Y)(%) 3.40
HEOP's EPS Growth (3Y)(%) is ranked lower than
96% of the 1165 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. HEOP: 3.40 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
HEOP' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -39.6  Med: 14.15 Max: 24.8
Current: 3.4
-39.6
24.8
» HEOP's 10-Y Financials

Financials


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

» Details

Guru Trades

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
Q3 2015

HEOP Guru Trades in Q3 2015

Jim Simons 50,700 sh (+35.20%)
Michael Price 1,166,575 sh (unchged)
» More
Q4 2015

HEOP Guru Trades in Q4 2015

Jim Simons 64,000 sh (+26.23%)
» 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) 14.75
HEOP's P/E(ttm) is ranked lower than
70% of the 2227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.73 vs. HEOP: 14.75 )
Ranked among companies with meaningful P/E(ttm) only.
HEOP' s P/E(ttm) Range Over the Past 10 Years
Min: 8.61  Med: 17.42 Max: 91.63
Current: 14.75
8.61
91.63
Forward P/E 11.27
HEOP's Forward P/E is ranked lower than
71% of the 1342 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.05 vs. HEOP: 11.27 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 14.75
HEOP's PE(NRI) is ranked lower than
65% of the 1697 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.19 vs. HEOP: 14.75 )
Ranked among companies with meaningful PE(NRI) only.
HEOP' s PE(NRI) Range Over the Past 10 Years
Min: 8.72  Med: 17.25 Max: 91.63
Current: 14.75
8.72
91.63
P/B 1.18
HEOP's P/B is ranked lower than
67% of the 2260 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. HEOP: 1.18 )
Ranked among companies with meaningful P/B only.
HEOP' s P/B Range Over the Past 10 Years
Min: 0.37  Med: 1.28 Max: 3.18
Current: 1.18
0.37
3.18
P/S 3.33
HEOP's P/S is ranked lower than
69% of the 2511 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.50 vs. HEOP: 3.33 )
Ranked among companies with meaningful P/S only.
HEOP' s P/S Range Over the Past 10 Years
Min: 0.56  Med: 2.64 Max: 8.55
Current: 3.33
0.56
8.55
PFCF 9.32
HEOP's PFCF is ranked lower than
56% of the 1363 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.00 vs. HEOP: 9.32 )
Ranked among companies with meaningful PFCF only.
HEOP' s PFCF Range Over the Past 10 Years
Min: 2  Med: 13.26 Max: 813
Current: 9.32
2
813
POCF 8.34
HEOP's POCF is ranked lower than
57% of the 1543 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.06 vs. HEOP: 8.34 )
Ranked among companies with meaningful POCF only.
HEOP' s POCF Range Over the Past 10 Years
Min: 1.88  Med: 10.50 Max: 178.89
Current: 8.34
1.88
178.89
EV-to-EBIT 10.22
HEOP's EV-to-EBIT is ranked higher than
62% of the 2177 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.38 vs. HEOP: 10.22 )
Ranked among companies with meaningful EV-to-EBIT only.
HEOP' s EV-to-EBIT Range Over the Past 10 Years
Min: -404.9  Med: 12.80 Max: 201.6
Current: 10.22
-404.9
201.6
EV-to-EBITDA 9.09
HEOP's EV-to-EBITDA is ranked higher than
63% of the 2182 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.15 vs. HEOP: 9.09 )
Ranked among companies with meaningful EV-to-EBITDA only.
HEOP' s EV-to-EBITDA Range Over the Past 10 Years
Min: -45  Med: 11.50 Max: 96.3
Current: 9.09
-45
96.3
Shiller P/E 36.61
HEOP's Shiller P/E is ranked lower than
90% of the 675 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.91 vs. HEOP: 36.61 )
Ranked among companies with meaningful Shiller P/E only.
HEOP' s Shiller P/E Range Over the Past 10 Years
Min: 5.15  Med: 17.13 Max: 56.5
Current: 36.61
5.15
56.5

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.25
HEOP's Dividend Yield is ranked higher than
53% of the 2412 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. HEOP: 3.25 )
Ranked among companies with meaningful Dividend Yield only.
HEOP' s Dividend Yield Range Over the Past 10 Years
Min: 0.38  Med: 1.92 Max: 3.35
Current: 3.25
0.38
3.35
Dividend Payout 0.47
HEOP's Dividend Payout is ranked lower than
70% of the 1441 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. HEOP: 0.47 )
Ranked among companies with meaningful Dividend Payout only.
HEOP' s Dividend Payout Range Over the Past 10 Years
Min: 0.29  Med: 0.34 Max: 0.55
Current: 0.47
0.29
0.55
Forward Dividend Yield 3.38
HEOP's Forward Dividend Yield is ranked higher than
52% of the 2191 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.26 vs. HEOP: 3.38 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 3.24
HEOP's Yield on cost (5-Year) is ranked lower than
53% of the 2446 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.42 vs. HEOP: 3.24 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
HEOP' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.38  Med: 1.92 Max: 3.35
Current: 3.24
0.38
3.35
3-Year Average Share Buyback Ratio -7.60
HEOP's 3-Year Average Share Buyback Ratio is ranked lower than
75% of the 1061 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 vs. HEOP: -7.60 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
HEOP' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -50.8  Med: -7.25 Max: -0.8
Current: -7.6
-50.8
-0.8

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.37
HEOP's Price/Tangible Book is ranked lower than
69% of the 2171 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 38.57 vs. HEOP: 1.37 )
Ranked among companies with meaningful Price/Tangible Book only.
HEOP' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.55  Med: 1.66 Max: 3.32
Current: 1.37
0.55
3.32
Price/Projected FCF 0.78
HEOP's Price/Projected FCF is ranked lower than
66% of the 1316 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. HEOP: 0.78 )
Ranked among companies with meaningful Price/Projected FCF only.
HEOP' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.22  Med: 0.91 Max: 2.73
Current: 0.78
0.22
2.73
Price/Median PS Value 1.27
HEOP's Price/Median PS Value is ranked lower than
83% of the 2067 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.93 vs. HEOP: 1.27 )
Ranked among companies with meaningful Price/Median PS Value only.
HEOP' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.23  Med: 1.02 Max: 6.49
Current: 1.27
0.23
6.49
Price/Graham Number 0.98
HEOP's Price/Graham Number is ranked lower than
69% of the 2007 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.77 vs. HEOP: 0.98 )
Ranked among companies with meaningful Price/Graham Number only.
HEOP' s Price/Graham Number Range Over the Past 10 Years
Min: 0.64  Med: 1.10 Max: 1.82
Current: 0.98
0.64
1.82
Earnings Yield (Greenblatt) (%) 9.77
HEOP's Earnings Yield (Greenblatt) (%) is ranked higher than
70% of the 1519 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. HEOP: 9.77 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
HEOP' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.5  Med: 6.40 Max: 14.5
Current: 9.77
0.5
14.5
Forward Rate of Return (Yacktman) (%) -8.89
HEOP's Forward Rate of Return (Yacktman) (%) is ranked lower than
81% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.65 vs. HEOP: -8.89 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
HEOP' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -3.6  Med: 8.50 Max: 24.2
Current: -8.89
-3.6
24.2

More Statistics

Revenue(Mil) $72
EPS $ 0.45
Beta0.76
Short Percentage of Float2.25%
52-Week Range $7.04 - 9.25
Shares Outstanding(Mil)34.36

Analyst Estimate

Dec16 Dec17
Revenue(Mil)
EPS($) 0.50 0.63
EPS without NRI($) 0.50 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 

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