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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 0.50
HEOP's Cash to Debt is ranked lower than
74% of the 1599 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.98 vs. HEOP: 0.50 )
Ranked among companies with meaningful Cash to Debt only.
HEOP' s Cash to Debt Range Over the Past 10 Years
Min: 0.15  Med: 0.67 Max: N/A
Current: 0.5
Equity to Asset 0.11
HEOP's Equity to Asset is ranked higher than
58% of the 1608 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 4.53
HEOP's Interest Coverage is ranked higher than
78% of the 1529 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.67 vs. HEOP: 4.53 )
Ranked among companies with meaningful Interest Coverage only.
HEOP' s Interest Coverage Range Over the Past 10 Years
Min: 0.17  Med: 2.28 Max: 4.61
Current: 4.53
0.17
4.61
F-Score: 5
M-Score: -2.48
WACC vs ROIC
8.25%
6.24%
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 (%) 33.68
HEOP's Operating margin (%) is ranked higher than
56% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.83 vs. HEOP: 33.68 )
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: 33.68
Current: 33.68
-36.12
33.68
Net-margin (%) 20.96
HEOP's Net-margin (%) is ranked lower than
55% of the 1619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.44 vs. HEOP: 20.96 )
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: 20.96
-32.83
23.68
ROE (%) 7.57
HEOP's ROE (%) is ranked lower than
58% of the 1619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.54 vs. HEOP: 7.57 )
Ranked among companies with meaningful ROE (%) only.
HEOP' s ROE (%) Range Over the Past 10 Years
Min: -22.02  Med: 6.37 Max: 14.13
Current: 7.57
-22.02
14.13
ROA (%) 0.82
HEOP's ROA (%) is ranked lower than
55% of the 1627 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. HEOP: 0.82 )
Ranked among companies with meaningful ROA (%) only.
HEOP' s ROA (%) Range Over the Past 10 Years
Min: -1.82  Med: 0.82 Max: 1.29
Current: 0.82
-1.82
1.29
Revenue Growth (3Y)(%) 0.40
HEOP's Revenue Growth (3Y)(%) is ranked lower than
65% of the 1340 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.30 vs. HEOP: 0.40 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
HEOP' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -29.5  Med: 6.5 Max: 40.6
Current: 0.4
-29.5
40.6
EBITDA Growth (3Y)(%) 17.70
HEOP's EBITDA Growth (3Y)(%) is ranked higher than
78% of the 1229 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.90 vs. HEOP: 17.70 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
HEOP' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -33.5  Med: 13.9 Max: 23.4
Current: 17.7
-33.5
23.4
EPS Growth (3Y)(%) 0.80
HEOP's EPS Growth (3Y)(%) is ranked lower than
69% of the 1204 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. HEOP: 0.80 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
HEOP' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -39.8  Med: 14.1 Max: 24.8
Current: 0.8
-39.8
24.8
GuruFocus has detected 7 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: 2017-01-31)


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

» Details

Guru Trades

Q4 2015

HEOP Guru Trades in Q4 2015

Jim Simons 64,000 sh (+26.23%)
Michael Price 1,132,300 sh (-2.94%)
» More
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
» 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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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:NAS:ABTX, NAS:PUB, OTCPK:HBIA, OTCPK:SBFC, NAS:FRBK, NAS:BMRC, NAS:MOFG, NAS:IBCP, NAS:FFWM, NAS:HTBI, NAS:NCBS, NAS:SNBC, NAS:NCOM, NAS:ACBI, NAS:BHBK, NAS:TBK, NAS:FMBH, NAS:TBBK, NAS:FISI, NAS:WTBA » details
Heritage Oaks Bancorp, through the 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
P/E(ttm) 26.28
HEOP's P/E(ttm) is ranked lower than
87% of the 1490 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.41 vs. HEOP: 26.28 )
Ranked among companies with meaningful P/E(ttm) only.
HEOP' s P/E(ttm) Range Over the Past 10 Years
Min: 8.61  Med: 17.24 Max: 91.63
Current: 26.28
8.61
91.63
Forward P/E 20.28
HEOP's Forward P/E is ranked lower than
90% of the 360 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.55 vs. HEOP: 20.28 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 26.28
HEOP's PE(NRI) is ranked lower than
87% of the 1487 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.49 vs. HEOP: 26.28 )
Ranked among companies with meaningful PE(NRI) only.
HEOP' s PE(NRI) Range Over the Past 10 Years
Min: 8.61  Med: 17.21 Max: 91.63
Current: 26.28
8.61
91.63
Price/Owner Earnings (ttm) 23.34
HEOP's Price/Owner Earnings (ttm) is ranked lower than
79% of the 876 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.83 vs. HEOP: 23.34 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
HEOP' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 8.64  Med: 18.54 Max: 141.71
Current: 23.34
8.64
141.71
P/B 1.96
HEOP's P/B is ranked lower than
85% of the 1602 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. HEOP: 1.96 )
Ranked among companies with meaningful P/B only.
HEOP' s P/B Range Over the Past 10 Years
Min: 0.37  Med: 1.26 Max: 2.64
Current: 1.96
0.37
2.64
P/S 5.54
HEOP's P/S is ranked lower than
83% of the 1580 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.43 vs. HEOP: 5.54 )
Ranked among companies with meaningful P/S only.
HEOP' s P/S Range Over the Past 10 Years
Min: 0.55  Med: 2.78 Max: 8.55
Current: 5.54
0.55
8.55
PFCF 17.95
HEOP's PFCF is ranked lower than
68% of the 797 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.75 vs. HEOP: 17.95 )
Ranked among companies with meaningful PFCF only.
HEOP' s PFCF Range Over the Past 10 Years
Min: 2  Med: 14.28 Max: 739.09
Current: 17.95
2
739.09
POCF 15.91
HEOP's POCF is ranked lower than
71% of the 891 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.98 vs. HEOP: 15.91 )
Ranked among companies with meaningful POCF only.
HEOP' s POCF Range Over the Past 10 Years
Min: 1.88  Med: 10.11 Max: 32.43
Current: 15.91
1.88
32.43
EV-to-EBIT 19.13
HEOP's EV-to-EBIT is ranked lower than
71% of the 1210 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.67 vs. HEOP: 19.13 )
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: 19.13
-404.9
201.6
EV-to-EBITDA 17.03
HEOP's EV-to-EBITDA is ranked lower than
70% of the 1217 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.34 vs. HEOP: 17.03 )
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: 17.03
-45
96.2
Shiller P/E 100.52
HEOP's Shiller P/E is ranked lower than
97% of the 483 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. HEOP: 100.52 )
Ranked among companies with meaningful Shiller P/E only.
HEOP' s Shiller P/E Range Over the Past 10 Years
Min: 4.93  Med: 17.27 Max: 107.25
Current: 100.52
4.93
107.25

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.92
HEOP's Dividend Yield is ranked lower than
68% of the 2346 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.65 vs. HEOP: 1.92 )
Ranked among companies with meaningful Dividend Yield only.
HEOP' s Dividend Yield Range Over the Past 10 Years
Min: 0.38  Med: 2.17 Max: 3.35
Current: 1.92
0.38
3.35
Dividend Payout 0.51
HEOP's Dividend Payout is ranked lower than
77% of the 1313 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. HEOP: 0.51 )
Ranked among companies with meaningful Dividend Payout only.
HEOP' s Dividend Payout Range Over the Past 10 Years
Min: 0.16  Med: 0.32 Max: 0.51
Current: 0.51
0.16
0.51
Forward Dividend Yield 1.94
HEOP's Forward Dividend Yield is ranked lower than
72% of the 2244 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.84 vs. HEOP: 1.94 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 1.92
HEOP's Yield on cost (5-Year) is ranked lower than
75% of the 2639 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.36 vs. HEOP: 1.92 )
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: 2.17 Max: 3.35
Current: 1.92
0.38
3.35
3-Year Average Share Buyback Ratio -10.70
HEOP's 3-Year Average Share Buyback Ratio is ranked lower than
76% of the 1039 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.10 vs. HEOP: -10.70 )
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: -10.7
-48.4
0.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.29
HEOP's Price/Tangible Book is ranked lower than
85% of the 1595 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.23 vs. HEOP: 2.29 )
Ranked among companies with meaningful Price/Tangible Book only.
HEOP' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.55  Med: 1.65 Max: 3.32
Current: 2.29
0.55
3.32
Price/Projected FCF 1.17
HEOP's Price/Projected FCF is ranked lower than
79% of the 883 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. HEOP: 1.17 )
Ranked among companies with meaningful Price/Projected FCF only.
HEOP' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.19  Med: 0.88 Max: 2.15
Current: 1.17
0.19
2.15
Price/Median PS Value 2.03
HEOP's Price/Median PS Value is ranked lower than
93% of the 1458 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. HEOP: 2.03 )
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: 1.06 Max: 6.51
Current: 2.03
0.23
6.51
Price/Graham Number 1.64
HEOP's Price/Graham Number is ranked lower than
89% of the 1405 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. HEOP: 1.64 )
Ranked among companies with meaningful Price/Graham Number only.
HEOP' s Price/Graham Number Range Over the Past 10 Years
Min: 0.63  Med: 1.09 Max: 1.82
Current: 1.64
0.63
1.82
Earnings Yield (Greenblatt) (%) 5.19
HEOP's Earnings Yield (Greenblatt) (%) is ranked lower than
54% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.70 vs. HEOP: 5.19 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
HEOP' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.5  Med: 6.3 Max: 14.5
Current: 5.19
0.5
14.5
Forward Rate of Return (Yacktman) (%) -4.56
HEOP's Forward Rate of Return (Yacktman) (%) is ranked lower than
84% of the 867 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.21 vs. HEOP: -4.56 )
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: -4.56  Med: 8.4 Max: 23.7
Current: -4.56
-4.56
23.7

More Statistics

Revenue (TTM) (Mil) $75.67
EPS (TTM) $ 0.47
Beta0.95
Short Percentage of Float2.65%
52-Week Range $6.95 - 13.07
Shares Outstanding (Mil)34.26

Analyst Estimate

Dec16 Dec17 Dec18
Revenue (Mil $)
EPS ($) 0.47 0.61 0.76
EPS w/o NRI ($) 0.47 0.61 0.76
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
Dividends Per Share ($) 0.24 0.24 0.24
» More Articles for NAS: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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