Switch to:

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 : 5/10

vs
industry
vs
history
Cash-to-Debt 0.43
HEOP's Cash-to-Debt is ranked lower than
76% of the 1592 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.23 vs. HEOP: 0.43 )
Ranked among companies with meaningful Cash-to-Debt only.
HEOP' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.15  Med: 0.58 Max: No Debt
Current: 0.43
Equity-to-Asset 0.11
HEOP's Equity-to-Asset is ranked higher than
60% of the 1591 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: 0.13
Current: 0.11
0.06
0.13
Interest Coverage 4.88
HEOP's Interest Coverage is ranked higher than
79% of the 1515 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. HEOP: 4.88 )
Ranked among companies with meaningful Interest Coverage only.
HEOP' s Interest Coverage Range Over the Past 10 Years
Min: 0.17  Med: 2.8 Max: 4.88
Current: 4.88
0.17
4.88
Beneish M-Score: -2.42
WACC vs ROIC
7.26%
6.19%
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 % 35.99
HEOP's Operating Margin % is ranked higher than
61% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.37 vs. HEOP: 35.99 )
Ranked among companies with meaningful Operating Margin % only.
HEOP' s Operating Margin % Range Over the Past 10 Years
Min: -36.12  Med: 20.22 Max: 35.99
Current: 35.99
-36.12
35.99
Net Margin % 21.76
HEOP's Net Margin % is ranked lower than
53% of the 1605 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.70 vs. HEOP: 21.76 )
Ranked among companies with meaningful Net Margin % only.
HEOP' s Net Margin % Range Over the Past 10 Years
Min: -32.83  Med: 16.97 Max: 23.68
Current: 21.76
-32.83
23.68
ROE % 7.98
HEOP's ROE % is ranked lower than
55% of the 1603 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.58 vs. HEOP: 7.98 )
Ranked among companies with meaningful ROE % only.
HEOP' s ROE % Range Over the Past 10 Years
Min: -22.02  Med: 6.35 Max: 11.63
Current: 7.98
-22.02
11.63
ROA % 0.87
HEOP's ROA % is ranked lower than
52% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. HEOP: 0.87 )
Ranked among companies with meaningful ROA % only.
HEOP' s ROA % Range Over the Past 10 Years
Min: -1.82  Med: 0.82 Max: 1.25
Current: 0.87
-1.82
1.25
3-Year Revenue Growth Rate 3.50
HEOP's 3-Year Revenue Growth Rate is ranked lower than
54% of the 1354 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. HEOP: 3.50 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
HEOP' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -29.5  Med: 5.75 Max: 40.6
Current: 3.5
-29.5
40.6
3-Year EBITDA Growth Rate 7.30
HEOP's 3-Year EBITDA Growth Rate is ranked higher than
53% of the 1256 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. HEOP: 7.30 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
HEOP' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -33.5  Med: 11.7 Max: 23.4
Current: 7.3
-33.5
23.4
3-Year EPS without NRI Growth Rate 9.80
HEOP's 3-Year EPS without NRI Growth Rate is ranked higher than
57% of the 1226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. HEOP: 9.80 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
HEOP' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -39.8  Med: 13.2 Max: 24.8
Current: 9.8
-39.8
24.8
GuruFocus has detected 5 Warning Signs with Heritage Oaks Bancorp $HEOP.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» HEOP's 10-Y Financials

Financials (Next Earnings Date: 2017-05-01 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q1 2016

HEOP Guru Trades in Q1 2016

Jim Simons 81,200 sh (+26.88%)
Michael Price 801,486 sh (-29.22%)
» More
Q2 2016

HEOP Guru Trades in Q2 2016

Jim Simons 85,500 sh (+5.30%)
Michael Price 800,000 sh (-0.19%)
» More
Q3 2016

HEOP Guru Trades in Q3 2016

Jim Simons 99,100 sh (+15.91%)
Michael Price 799,600 sh (-0.05%)
» More
Q4 2016

HEOP Guru Trades in Q4 2016

Jim Simons 276,500 sh (+179.01%)
Michael Price 799,600 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%)

No Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:NAS:AROW, NAS:SNBC, NAS:TBK, OTCPK:HBIA, NAS:FRBK, NAS:IBCP, NAS:PUB, NAS:NCOM, NAS:FISI, NAS:BHBK, OTCPK:SBFC, NYSE:SCNB, NAS:ACBI, NAS:CARO, NAS:VBTX, NAS:ABTX, NAS:OKSB, OTCPK:FMCB, NAS:FCBC, NAS:HTBI » details
Headquarter Location:USA
Heritage Oaks Bancorp, through Heritage Oaks Bank, offers banking products and services to small and medium sized businesses and consumers.

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.

Ratios

vs
industry
vs
history
PE Ratio 27.24
HEOP's PE Ratio is ranked lower than
86% of the 1510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.59 vs. HEOP: 27.24 )
Ranked among companies with meaningful PE Ratio only.
HEOP' s PE Ratio Range Over the Past 10 Years
Min: 8.61  Med: 17.47 Max: 91.63
Current: 27.24
8.61
91.63
Forward PE Ratio 21.19
HEOP's Forward PE Ratio is ranked lower than
93% of the 839 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.93 vs. HEOP: 21.19 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 27.24
HEOP's PE Ratio without NRI is ranked lower than
87% of the 1477 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.63 vs. HEOP: 27.24 )
Ranked among companies with meaningful PE Ratio without NRI only.
HEOP' s PE Ratio without NRI Range Over the Past 10 Years
Min: 8.61  Med: 17.46 Max: 91.63
Current: 27.24
8.61
91.63
Price-to-Owner-Earnings 26.33
HEOP's Price-to-Owner-Earnings is ranked lower than
85% of the 882 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.21 vs. HEOP: 26.33 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
HEOP' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 8.64  Med: 18.44 Max: 141.71
Current: 26.33
8.64
141.71
PB Ratio 2.15
HEOP's PB Ratio is ranked lower than
87% of the 1611 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. HEOP: 2.15 )
Ranked among companies with meaningful PB Ratio only.
HEOP' s PB Ratio Range Over the Past 10 Years
Min: 0.37  Med: 1.25 Max: 2.51
Current: 2.15
0.37
2.51
PS Ratio 5.86
HEOP's PS Ratio is ranked lower than
83% of the 1586 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.40 vs. HEOP: 5.86 )
Ranked among companies with meaningful PS Ratio only.
HEOP' s PS Ratio Range Over the Past 10 Years
Min: 0.55  Med: 2.78 Max: 7.29
Current: 5.86
0.55
7.29
Price-to-Free-Cash-Flow 17.12
HEOP's Price-to-Free-Cash-Flow is ranked lower than
71% of the 870 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.33 vs. HEOP: 17.12 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
HEOP' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 2  Med: 11.45 Max: 48.55
Current: 17.12
2
48.55
Price-to-Operating-Cash-Flow 16.52
HEOP's Price-to-Operating-Cash-Flow is ranked lower than
76% of the 940 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.82 vs. HEOP: 16.52 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
HEOP' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 1.88  Med: 10.11 Max: 32.43
Current: 16.52
1.88
32.43
EV-to-EBIT 18.71
HEOP's EV-to-EBIT is ranked lower than
71% of the 1668 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.52 vs. HEOP: 18.71 )
Ranked among companies with meaningful EV-to-EBIT only.
HEOP' s EV-to-EBIT Range Over the Past 10 Years
Min: -404.9  Med: 13.8 Max: 201.6
Current: 18.71
-404.9
201.6
EV-to-EBITDA 16.81
HEOP's EV-to-EBITDA is ranked lower than
71% of the 1685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.29 vs. HEOP: 16.81 )
Ranked among companies with meaningful EV-to-EBITDA only.
HEOP' s EV-to-EBITDA Range Over the Past 10 Years
Min: -45  Med: 12.3 Max: 96.2
Current: 16.81
-45
96.2
PEG Ratio 1.83
HEOP's PEG Ratio is ranked lower than
60% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.43 vs. HEOP: 1.83 )
Ranked among companies with meaningful PEG Ratio only.
HEOP' s PEG Ratio Range Over the Past 10 Years
Min: 0.68  Med: 1.99 Max: 14.12
Current: 1.83
0.68
14.12
Shiller PE Ratio 123.03
HEOP's Shiller PE Ratio is ranked lower than
98% of the 479 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.93 vs. HEOP: 123.03 )
Ranked among companies with meaningful Shiller PE Ratio only.
HEOP' s Shiller PE Ratio Range Over the Past 10 Years
Min: 4.93  Med: 17.35 Max: 127.18
Current: 123.03
4.93
127.18

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.80
HEOP's Dividend Yield % is ranked lower than
70% of the 2319 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.69 vs. HEOP: 1.80 )
Ranked among companies with meaningful Dividend Yield % only.
HEOP' s Dividend Yield % Range Over the Past 10 Years
Min: 0.38  Med: 2.08 Max: 3.35
Current: 1.8
0.38
3.35
Dividend Payout Ratio 0.49
HEOP's Dividend Payout Ratio is ranked lower than
74% of the 1315 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. HEOP: 0.49 )
Ranked among companies with meaningful Dividend Payout Ratio only.
HEOP' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.3  Med: 0.36 Max: 0.52
Current: 0.49
0.3
0.52
Forward Dividend Yield % 1.80
HEOP's Forward Dividend Yield % is ranked lower than
75% of the 2248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.73 vs. HEOP: 1.80 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 1.80
HEOP's 5-Year Yield-on-Cost % is ranked lower than
76% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.31 vs. HEOP: 1.80 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
HEOP' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.38  Med: 2.08 Max: 3.35
Current: 1.8
0.38
3.35
3-Year Average Share Buyback Ratio -10.50
HEOP's 3-Year Average Share Buyback Ratio is ranked lower than
77% of the 1042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. HEOP: -10.50 )
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: -48.4  Med: -8.3 Max: 0.4
Current: -10.5
-48.4
0.4

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 2.48
HEOP's Price-to-Tangible-Book is ranked lower than
87% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. HEOP: 2.48 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
HEOP' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.7  Med: 1.71 Max: 3.32
Current: 2.48
0.7
3.32
Price-to-Intrinsic-Value-Projected-FCF 1.26
HEOP's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
83% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. HEOP: 1.26 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
HEOP' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.34  Med: 0.9 Max: 2.15
Current: 1.26
0.34
2.15
Price-to-Median-PS-Value 2.11
HEOP's Price-to-Median-PS-Value is ranked lower than
93% of the 1462 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. HEOP: 2.11 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
HEOP' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.28  Med: 0.93 Max: 6.51
Current: 2.11
0.28
6.51
Price-to-Peter-Lynch-Fair-Value 1.98
HEOP's Price-to-Peter-Lynch-Fair-Value is ranked lower than
73% of the 426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. HEOP: 1.98 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
HEOP' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 1.06  Med: 1.93 Max: 3.38
Current: 1.98
1.06
3.38
Price-to-Graham-Number 1.73
HEOP's Price-to-Graham-Number is ranked lower than
91% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.96 vs. HEOP: 1.73 )
Ranked among companies with meaningful Price-to-Graham-Number only.
HEOP' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.48  Med: 1.12 Max: 1.73
Current: 1.73
0.48
1.73
Earnings Yield (Greenblatt) % 5.34
HEOP's Earnings Yield (Greenblatt) % is ranked lower than
54% of the 2207 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.95 vs. HEOP: 5.34 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
HEOP' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.5  Med: 6.35 Max: 14.5
Current: 5.34
0.5
14.5
Forward Rate of Return (Yacktman) % 18.09
HEOP's Forward Rate of Return (Yacktman) % is ranked higher than
67% of the 890 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.45 vs. HEOP: 18.09 )
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: 0.5  Med: 8.7 Max: 28.1
Current: 18.09
0.5
28.1

More Statistics

Revenue (TTM) (Mil) $77.82
EPS (TTM) $ 0.49
Beta1.02
Short Percentage of Float5.82%
52-Week Range $7.50 - 14.44
Shares Outstanding (Mil)34.22

Analyst Estimate

Dec17 Dec18
Revenue (Mil $)
EPS ($) 0.63 0.77
EPS without NRI ($) 0.63 0.77
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($) 0.24 0.24
» 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
Edited Transcript of HEOP earnings conference call or presentation 1-May-15 3:00pm GMT Apr 05 2017
Pacific Premier Bancorp, Inc. Announces Completion of Acquisition of Heritage Oaks Bancorp Apr 03 2017
Heritage Oaks Bancorp Announces Results of Special Meeting of Shareholders Mar 29 2017
Heritage Oaks Bancorp breached its 50 day moving average in a Bearish Manner : HEOP-US : March 21,... Mar 21 2017
Pacific Premier Bancorp Announces Receipt of Regulatory Approvals for Acquisition of Heritage Oaks... Mar 21 2017
Heritage Oaks Bancorp :HEOP-US: Earnings Analysis: Q4, 2016 By the Numbers : February 7, 2017 Feb 07 2017
Edited Transcript of HEOP earnings conference call or presentation 31-Jan-17 4:00pm GMT Jan 31 2017
Heritage Oaks Bancorp posts 4Q profit Jan 30 2017
Heritage Oaks Bancorp Reports Fourth Quarter Results Jan 30 2017
Will Heritage Oaks Bancorp (HEOP) Continue to Surge Higher? Jan 26 2017
4 Breakout Stocks for Incredible Returns Jan 26 2017
Lifshitz & Miller Law Firm Announces Investigation of Calamos Asset Management, Inc., CDI Corp.,... Jan 17 2017
Heritage Oaks Bancorp : HEOP-US: Dividend Analysis : November 15th, 2016 (record date) : By the... Jan 11 2017
Zacks.com featured highlights: IntraLinks Holdings, KVH Industries, McDermott International, Genesis... Dec 27 2016
Heritage Oaks Bancorp (HEOP) Shares March Higher, Can It Continue? Dec 23 2016
5 Breakout Stocks for Outstanding Returns Dec 23 2016
INVESTOR ALERT: Levi & Korsinsky, LLP Announces an Investigation into Whether the Sale of Heritage... Dec 22 2016
HERITAGE OAKS INVESTOR ALERT BY THE FORMER ATTORNEY GENERAL OF LOUISIANA: Kahn Swick & Foti, LLC... Dec 16 2016
SHAREHOLDER ALERT: Levi & Korsinsky, LLP Announces an Investigation into Whether the Sale of... Dec 14 2016

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)