Ratios

		vs industry	vs history
P/E(ttm)	17.00	NOVB's P/E(ttm) is ranked higher than 55% of the 811 Companies in the Global Banks - Regional - US industry. ( Industry Median: 13.43 vs. NOVB: 17.00 )	NOVB' s 10-Year P/E(ttm) Range Min: 2.75   Max: 46.67 Current: 17 2.75 46.67
P/B	1.20	NOVB's P/B is ranked lower than 61% of the 811 Companies in the Global Banks - Regional - US industry. ( Industry Median: 0.90 vs. NOVB: 1.20 )	NOVB' s 10-Year P/B Range Min: 0.07   Max: 3.61 Current: 1.2 0.07 3.61
P/S	2.49	NOVB's P/S is ranked lower than 58% of the 811 Companies in the Global Banks - Regional - US industry. ( Industry Median: 2.20 vs. NOVB: 2.49 )	NOVB' s 10-Year P/S Range Min: 0.21   Max: 3.51 Current: 2.49 0.21 3.51
PFCF	25.00	NOVB's PFCF is ranked lower than 93% of the 811 Companies in the Global Banks - Regional - US industry. ( Industry Median: 6.70 vs. NOVB: 25.00 )	NOVB' s 10-Year PFCF Range Min: 0.49   Max: 1526.67 Current: 25 0.49 1526.67
EV-to-EBIT	22.7	NOVB's EV-to-EBIT is ranked higher than 92% of the 811 Companies in the Global Banks - Regional - US industry. ( Industry Median: 16.90 vs. NOVB: 22.7 )	NOVB' s 10-Year EV-to-EBIT Range Min: 0.1   Max: 63.3 Current: 22.7 0.1 63.3
Shiller P/E	28.8	NOVB's Shiller P/E is ranked higher than 94% of the 811 Companies in the Global Banks - Regional - US industry. ( Industry Median: 14.60 vs. NOVB: 28.8 )	NOVB' s 10-Year Shiller P/E Range Min: 2.85   Max: 30.81 Current: 28.8 2.85 30.81

Valuation & Return

		vs industry	vs history
Price/Tangible Book	1.2	NOVB's Price/Tangible Book is ranked higher than 62% of the 811 Companies in the Global Banks - Regional - US industry. ( Industry Median: 1.00 vs. NOVB: 1.2 )	NOVB' s 10-Year Price/Tangible Book Range Min: 0.3   Max: 3 Current: 1.2 0.3 3
Price/DCF (Projected)	0.7	NOVB's Price/DCF (Projected) is ranked higher than 71% of the 811 Companies in the Global Banks - Regional - US industry. ( Industry Median: 0.50 vs. NOVB: 0.7 )	NOVB' s 10-Year Price/DCF (Projected) Range Min: 0.1   Max: 1.1 Current: 0.7 0.1 1.1
Price/Median PS Value	1.1	NOVB's Price/Median PS Value is ranked higher than 90% of the 811 Companies in the Global Banks - Regional - US industry. ( Industry Median: 0.80 vs. NOVB: 1.1 )	NOVB' s 10-Year Price/Median PS Value Range Min: 0.1   Max: 1.5 Current: 1.1 0.1 1.5
Price/Graham Number	1	NOVB's Price/Graham Number is ranked lower than 57% of the 811 Companies in the Global Banks - Regional - US industry. ( Industry Median: 0.80 vs. NOVB: 1 )	NOVB' s 10-Year Price/Graham Number Range Min: 0.8   Max: 1.5 Current: 1 0.8 1.5
Earnings Yield (Greenblatt)	4.40	NOVB's Earnings Yield (Greenblatt) is ranked lower than 86% of the 811 Companies in the Global Banks - Regional - US industry. ( Industry Median: 5.80 vs. NOVB: 4.40 )	NOVB' s 10-Year Earnings Yield (Greenblatt) Range Min: 1.6   Max: 783.4 Current: 4.4 1.6 783.4
Forward Rate of Return (Yacktman)	36.53	NOVB's Forward Rate of Return (Yacktman) is ranked higher than 91% of the 811 Companies in the Global Banks - Regional - US industry. ( Industry Median: 15.01 vs. NOVB: 36.53 )	NOVB' s 10-Year Forward Rate of Return (Yacktman) Range Min: 8.7   Max: 100.5 Current: 36.53 8.7 100.5

Business Description

North Valley Bancorp was incorporated in 1980 in the State of California. It is a bank holding Company for North Valley Bank (NVB) and engaged in the business of commercial and retail banking. The Company owns 100% of its subsidiaries, North Valley Bank (NVB), North Valley Capital Trust I, North Valley Capital Trust II, North Valley Capital Trust III, and North Valley Capital Statutory Trust IV. The Company acquired Six Rivers National Bank (based in Eureka, California) in 2000, and Yolo Community Bank (based in Woodland, California) in 2004. 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. NVB 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. NVB operates twenty-four banking offices in Shasta, Trinity, Humboldt, Del Norte, Yolo, Solano, Sonoma, Placer, and Mendocino Counties. Commercial banks compete with savings and loan associations, credit unions, other financial institutions and other entities for funds. The Company competes with thrifts and, to a lesser extent, credit unions, finance companies and other financial service providers for deposit and loan customers. In order to compete with the major financial institutions in its primary service areas, the Company emphasis on specialized services, local promotional activity, and personal contacts by the officers, directors and employees of the Company. NVB also seeks to provide 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. The company registered with and subject to regulation and supervision by the Board of Governors of the Federal Reserve System.
Company Website
SEC Reports

Industry:	Banks - Regional - US
Compare:	MTB, USB, PNC, PB, CFR

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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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