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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 : 5/10

vs
industry
vs
history
Cash to Debt 1.16
NOVB's Cash to Debt is ranked higher than
74% of the 1266 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.28 vs. NOVB: 1.16 )
NOVB' s 10-Year Cash to Debt Range
Min: 0.24   Max: No Debt
Current: 1.16

Equity to Asset 0.11
NOVB's Equity to Asset is ranked higher than
79% of the 1651 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. NOVB: 0.11 )
NOVB' s 10-Year Equity to Asset Range
Min: 0.06   Max: 0.11
Current: 0.11

0.06
0.11
Interest Coverage 3.23
NOVB's Interest Coverage is ranked higher than
84% of the 1508 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. NOVB: 3.23 )
NOVB' s 10-Year Interest Coverage Range
Min: 0.26   Max: 9999.99
Current: 3.23

0.26
9999.99
F-Score: 4
Z-Score: 0.16
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 (%) 11.67
NOVB's Operating margin (%) is ranked higher than
53% of the 1652 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.46 vs. NOVB: 11.67 )
NOVB' s 10-Year Operating margin (%) Range
Min: -127.39   Max: 30.97
Current: 11.67

-127.39
30.97
Net-margin (%) 8.10
NOVB's Net-margin (%) is ranked higher than
53% of the 1671 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.71 vs. NOVB: 8.10 )
NOVB' s 10-Year Net-margin (%) Range
Min: -57.14   Max: 135.87
Current: 8.1

-57.14
135.87
ROE (%) 3.88
NOVB's ROE (%) is ranked higher than
56% of the 1674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.17 vs. NOVB: 3.88 )
NOVB' s 10-Year ROE (%) Range
Min: -49.43   Max: 19.47
Current: 3.88

-49.43
19.47
ROA (%) 0.39
NOVB's ROA (%) is ranked higher than
59% of the 1674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.75 vs. NOVB: 0.39 )
NOVB' s 10-Year ROA (%) Range
Min: -2.92   Max: 1.88
Current: 0.39

-2.92
1.88
ROC (Joel Greenblatt) (%) 66.63
NOVB's ROC (Joel Greenblatt) (%) is ranked higher than
73% of the 1624 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 73.28 vs. NOVB: 66.63 )
NOVB' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -341.56   Max: 105.49
Current: 66.63

-341.56
105.49
Revenue Growth (%) -16.10
NOVB's Revenue Growth (%) is ranked higher than
52% of the 1452 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. NOVB: -16.10 )
NOVB' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 78.6
Current: -16.1

0
78.6
» NOVB's 10-Y Financials

Financials


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

» Details

Guru Trades

Q3 2013

NOVB Guru Trades in Q3 2013

Jim Simons 47,180 sh (+69.83%)
» More
Q4 2013

NOVB Guru Trades in Q4 2013

Jim Simons 53,780 sh (+13.99%)
» More
Q1 2014

NOVB Guru Trades in Q1 2014

Jim Simons 89,018 sh (+65.52%)
» More
Q2 2014

NOVB Guru Trades in Q2 2014

Jim Simons 105,606 sh (+18.63%)
» More
» Details

Insider Trades

Latest Guru Trades with NOVB

(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) 40.40
NOVB's P/E(ttm) is ranked higher than
52% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.40 vs. NOVB: 40.40 )
NOVB' s 10-Year P/E(ttm) Range
Min: 2.74   Max: 51.3
Current: 40.4

2.74
51.3
P/B 1.45
NOVB's P/B is ranked higher than
57% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. NOVB: 1.45 )
NOVB' s 10-Year P/B Range
Min: 0.21   Max: 2.42
Current: 1.45

0.21
2.42
P/S 3.43
NOVB's P/S is ranked higher than
58% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.11 vs. NOVB: 3.43 )
NOVB' s 10-Year P/S Range
Min: 0.26   Max: 3.83
Current: 3.43

0.26
3.83
PFCF 12.57
NOVB's PFCF is ranked higher than
74% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 109.09 vs. NOVB: 12.57 )
NOVB' s 10-Year PFCF Range
Min: 0.79   Max: 99.41
Current: 12.57

0.79
99.41
EV-to-EBIT 27.71
NOVB's EV-to-EBIT is ranked higher than
63% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.74 vs. NOVB: 27.71 )
NOVB' s 10-Year EV-to-EBIT Range
Min: 1.3   Max: 63.3
Current: 27.71

1.3
63.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.46
NOVB's Price/Tangible Book is ranked higher than
69% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.42 vs. NOVB: 1.46 )
NOVB' s 10-Year Price/Tangible Book Range
Min: 0.25   Max: 4.81
Current: 1.46

0.25
4.81
Price/DCF (Projected) 0.81
NOVB's Price/DCF (Projected) is ranked higher than
75% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. NOVB: 0.81 )
NOVB' s 10-Year Price/DCF (Projected) Range
Min: 0.07   Max: 1.51
Current: 0.81

0.07
1.51
Price/Median PS Value 1.39
NOVB's Price/Median PS Value is ranked higher than
59% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. NOVB: 1.39 )
NOVB' s 10-Year Price/Median PS Value Range
Min: 0.11   Max: 6.68
Current: 1.39

0.11
6.68
Price/Graham Number 1.59
NOVB's Price/Graham Number is ranked higher than
61% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. NOVB: 1.59 )
NOVB' s 10-Year Price/Graham Number Range
Min: 0.52   Max: 3.24
Current: 1.59

0.52
3.24
Earnings Yield (Greenblatt) 3.60
NOVB's Earnings Yield (Greenblatt) is ranked higher than
53% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. NOVB: 3.60 )
NOVB' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.6   Max: 78.9
Current: 3.6

1.6
78.9
Forward Rate of Return (Yacktman) 15.64
NOVB's Forward Rate of Return (Yacktman) is ranked higher than
73% of the 1309 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.11 vs. NOVB: 15.64 )
NOVB' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 8.5   Max: 82.6
Current: 15.64

8.5
82.6

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
North Valley Bancorp was incorporated in 1980 in the State of California. It is a bank holding Company for North Valley Bank (NVB) and is engaged in the business of commercial and retail banking. The Company's main business consists of attracting deposits from the general public and using the funds to originate commercial, real estate, and installment loans to customers, who are small and middle-market businesses, and middle-income individuals. The Company's main source of revenue is interest income from its loan and investment securities portfolios. The Company conducts a commercial and retail banking business, which includes accepting demand, savings, and money market rate deposit accounts and time deposits, and making commercial, real estate and consumer loans. It also issues cashier's checks and money orders, sells travelers' checks and provides safe deposit boxes and other customary banking services. The Company operates twenty-four banking offices in Shasta, Trinity, Humboldt, Del Norte, Yolo, Solano, Sonoma, Placer, and Mendocino Counties. The Company also provides special services and programs for individuals in its primary service area who are employed in the agricultural, professional and business fields, such as loans for equipment, furniture, tools of the trade or expansion of practices or businesses.
» More Articles for NOVB

Headlines

Articles On GuruFocus.com
North Valley Bancorp Reports Operating Results (10-K) Mar 14 2011 
North Valley Bancorp Reports Operating Results (10-Q) Nov 15 2010 
North Valley Bancorp Reports Operating Results (10-Q) Aug 12 2010 
North Valley Bancorp Reports Operating Results (10-Q) May 14 2010 
North Valley Bancorp Reports Operating Results (10-K/A) Apr 30 2010 
North Valley Bancorp Reports Operating Results (10-Q) Nov 16 2009 

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North Valley Bancorp Reports Results for the Quarter and Six Months Ended June 30, 2014 Jul 31 2014
NORTH VALLEY BANCORP Files SEC form 10-Q, Quarterly Report May 12 2014
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North Valley Bancorp Reports Results for the Quarter Ended March 31, 2014 Apr 30 2014
NORTH VALLEY BANCORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Apr 28 2014
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