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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 : 4/10

vs
industry
vs
history
Cash to Debt 1.16
NOVB's Cash to Debt is ranked lower than
54% of the 973 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.46 vs. NOVB: 1.16 )
Ranked among companies with meaningful Cash to Debt only.
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
57% of the 1283 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. NOVB: 0.11 )
Ranked among companies with meaningful Equity to Asset only.
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
70% of the 1196 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.68 vs. NOVB: 3.23 )
Ranked among companies with meaningful Interest Coverage only.
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: 0.18
WACC vs ROIC
2.73%
3.76%
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 : 4/10

vs
industry
vs
history
Operating margin (%) 12.03
NOVB's Operating margin (%) is ranked lower than
83% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.16 vs. NOVB: 12.03 )
Ranked among companies with meaningful Operating margin (%) only.
NOVB' s 10-Year Operating margin (%) Range
Min: -127.39   Max: 30.97
Current: 12.03

-127.39
30.97
Net-margin (%) 8.67
NOVB's Net-margin (%) is ranked lower than
84% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.21 vs. NOVB: 8.67 )
Ranked among companies with meaningful Net-margin (%) only.
NOVB' s 10-Year Net-margin (%) Range
Min: -57.14   Max: 135.87
Current: 8.67

-57.14
135.87
ROE (%) 3.84
NOVB's ROE (%) is ranked lower than
79% of the 1344 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.17 vs. NOVB: 3.84 )
Ranked among companies with meaningful ROE (%) only.
NOVB' s 10-Year ROE (%) Range
Min: -39.91   Max: 19.62
Current: 3.84

-39.91
19.62
ROA (%) 0.40
NOVB's ROA (%) is ranked lower than
75% of the 1351 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. NOVB: 0.40 )
Ranked among companies with meaningful ROA (%) only.
NOVB' s 10-Year ROA (%) Range
Min: -2.93   Max: 1.93
Current: 0.4

-2.93
1.93
ROC (Joel Greenblatt) (%) 63.15
NOVB's ROC (Joel Greenblatt) (%) is ranked lower than
55% of the 1333 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 75.43 vs. NOVB: 63.15 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
NOVB' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -324.29   Max: 111.4
Current: 63.15

-324.29
111.4
Revenue Growth (3Y)(%) -16.10
NOVB's Revenue Growth (3Y)(%) is ranked lower than
90% of the 1133 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. NOVB: -16.10 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
NOVB' s 10-Year Revenue Growth (3Y)(%) 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

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
Q3 2014

NOVB Guru Trades in Q3 2014

Jim Simons 132,441 sh (+25.41%)
» More
Q4 2014

NOVB Guru Trades in Q4 2014

Jim Simons Sold Out
» 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%)

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» Interactive Charts

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Ratios

vs
industry
vs
history
P/E(ttm) 41.70
NOVB's P/E(ttm) is ranked lower than
94% of the 1418 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.10 vs. NOVB: 41.70 )
Ranked among companies with meaningful P/E(ttm) only.
NOVB' s 10-Year P/E(ttm) Range
Min: 2.74   Max: 51.3
Current: 41.7

2.74
51.3
Forward P/E 32.26
NOVB's Forward P/E is ranked lower than
95% of the 1312 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.14 vs. NOVB: 32.26 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 41.70
NOVB's PE(NRI) is ranked lower than
93% of the 1209 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.10 vs. NOVB: 41.70 )
Ranked among companies with meaningful PE(NRI) only.
NOVB' s 10-Year PE(NRI) Range
Min: 2.74   Max: 51.3
Current: 41.7

2.74
51.3
P/B 1.50
NOVB's P/B is ranked lower than
74% of the 1629 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. NOVB: 1.50 )
Ranked among companies with meaningful P/B only.
NOVB' s 10-Year P/B Range
Min: 0.21   Max: 2.42
Current: 1.5

0.21
2.42
P/S 3.54
NOVB's P/S is ranked lower than
65% of the 2101 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.90 vs. NOVB: 3.54 )
Ranked among companies with meaningful P/S only.
NOVB' s 10-Year P/S Range
Min: 0.26   Max: 3.83
Current: 3.54

0.26
3.83
PFCF 12.98
NOVB's PFCF is ranked lower than
60% of the 1116 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.70 vs. NOVB: 12.98 )
Ranked among companies with meaningful PFCF only.
NOVB' s 10-Year PFCF Range
Min: 0.79   Max: 99.41
Current: 12.98

0.79
99.41
POCF 12.04
NOVB's POCF is ranked lower than
64% of the 960 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.38 vs. NOVB: 12.04 )
Ranked among companies with meaningful POCF only.
NOVB' s 10-Year POCF Range
Min: 0.77   Max: 137.46
Current: 12.04

0.77
137.46
EV-to-EBIT 28.45
NOVB's EV-to-EBIT is ranked lower than
81% of the 1370 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.35 vs. NOVB: 28.45 )
Ranked among companies with meaningful EV-to-EBIT only.
NOVB' s 10-Year EV-to-EBIT Range
Min: -19.9   Max: 63.3
Current: 28.45

-19.9
63.3
Days Sales Outstanding 16.02
NOVB's Days Sales Outstanding is ranked higher than
86% of the 770 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 34.67 vs. NOVB: 16.02 )
Ranked among companies with meaningful Days Sales Outstanding only.
NOVB' s 10-Year Days Sales Outstanding Range
Min: 17.33   Max: 208.31
Current: 16.02

17.33
208.31

Valuation & Return

vs
industry
vs
history
Earnings Yield (Greenblatt) 3.50
NOVB's Earnings Yield (Greenblatt) is ranked lower than
74% of the 1502 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. NOVB: 3.50 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) only.
NOVB' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.6   Max: 78.9
Current: 3.5

1.6
78.9
Forward Rate of Return (Yacktman) 18.32
NOVB's Forward Rate of Return (Yacktman) is ranked higher than
58% of the 761 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.69 vs. NOVB: 18.32 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) only.
NOVB' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 5.5   Max: 100.1
Current: 18.32

5.5
100.1

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 

More From Other Websites
NORTH VALLEY BANCORP Files SEC form 8-K, Entry into a Material Definitive Agreement, Completion of... Oct 06 2014
TriCo Bancshares Announces the Completion of Its Merger with North Valley Bancorp Oct 03 2014
NORTH VALLEY BANCORP Files SEC form 8-K, Other Events Sep 05 2014
Tri Counties Bank and North Valley Bank Receive Regulatory Approvals for Merger Sep 03 2014
NORTH VALLEY BANCORP Financials Aug 19 2014
NORTH VALLEY BANCORP Files SEC form 10-Q, Quarterly Report Aug 11 2014
TriCo Bancshares and North Valley Bancorp Shareholders Overwhelmingly Approve Merger Aug 08 2014
NORTH VALLEY BANCORP Files SEC form 8-K, Submission of Matters to a Vote of Security Holders Aug 08 2014
NORTH VALLEY BANCORP Files SEC form 8-K, Other Events Aug 01 2014
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
NORTH VALLEY BANCORP Files SEC form 8-K, Results of Operations and Financial Condition, Other Events May 01 2014
NORTH VALLEY BANCORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Apr 28 2014

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