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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 : 3/10

Interest Coverage 3.40
NOVB's Interest Coverage is ranked lower than
99.99% of the 1534 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.67 vs. NOVB: 3.40 )
Ranked among companies with meaningful Interest Coverage only.
NOVB' s Interest Coverage Range Over the Past 10 Years
Min: 0  Med: 0.00 Max: 0
Current: 3.4
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 : 2/10

» NOVB's 10-Y Financials

Financials (Next Earnings Date: 0)

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

» Details

Guru Trades

NOVB Guru Trades in

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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Business Description

Industry: Banks » Banks - Regional - US

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.



Valuation & Return


More Statistics

Revenue (TTM) (Mil) $42.08
EPS (TTM) $ 0.52
Short Percentage of Float0.39%
52-Week Range $18.56 - 25.40
Shares Outstanding (Mil)6.84

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