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Bank of Commerce Holdings (BOCH)
Key financial summary
Financials in USD| 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 32 | 35 | 42 | 46 | 52 | 55 | 58 |
| Operating profit | $m | 19 | 13 | |||||
| Net profit | $m | 9 | 5 | 7 | 16 | 15 | 14 | 18 |
| EPS reported | $ | 0.85 | 1.10 | |||||
| Operating cashflow per share | $ | 1.36 | 1.36 | |||||
| Capex per share | $ | 0.07 | 0.07 | |||||
| FCF per share | $ | 1.29 | 1.29 | |||||
| Free cash flow | $m | 22 | 28 | |||||
| Net debt | $m | -521 | -736 | |||||
| Book value equity | $m | 178 | 182 | |||||
| Book value per share | $ | 10.62 | 10.83 | |||||
| Number of shares | m | 16.73 | 16.82 | |||||
| DPS (TTM paid) | $ | 0.21 | 0.00 |
Financial summary
Financials in USD| 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Value | ||||||||
| P/E TTM | x | 11.65 | - | |||||
| P/B LTM | x | 0.93 | 1.40 | |||||
| P/S LTM | x | 3.02 | 4.43 | |||||
| P/FCF LTM | x | 7.65 | 9.28 | |||||
| EV/EBITDA LTM | x | 3.53 | -15.36 | |||||
| EV/Sales LTM | x | 1.54 | -8.35 | |||||
| Earnings Yield LTM | % | 8.58% | 5.58% | |||||
| FCF Yield | % | 13.06% | 10.78% | |||||
| Quality | ||||||||
| ROE | % | 7.97% | 8.04% | |||||
| ROIC | % | 68.79% | 68.79% | |||||
| Operating margin | % | 32.40% | 32.40% | |||||
| Gross margin | % | 100.00% | 100.00% | |||||
| FCF/Sales | % | 36.37% | 36.37% | |||||
| Growth and momentum | ||||||||
| EPS Growth YoY | % | +2.41% | +40.74% | |||||
| Sales Growth YoY | % | +6.18% | +10.53% | |||||
| Net Income Growth YoY | % | -5.33% | +34.02% | |||||
| FCF Growth | % | +28.96% | +32.70% | |||||
| Operating Profit Growth | % | -27.22% | -48.46% | |||||
| Dividend and capital structure | ||||||||
| Dividend Yield | % | 2.12% | 0.00% | |||||
| Dividend Growth | % | +10.53% | - | |||||
| Payout Ratio | % | 24.81% | 0.00% | |||||
| FCF/Debt | x | 0.66 | 1.35 | |||||
| Net Debt/EBITDA | x | -2.86 | -2.86 | |||||
| EBIT/Net interest | x | 4.17 | 4.17 | |||||
| Net debt/market cap | % | -314.52% | -288.58% | |||||
| Net debt/Equity | x | -2.93 | -4.04 | |||||
| Gross debt/equity | x | 0.19 | 0.11 | |||||
Company overview
Bank of Commerce Holdings serves as the parent entity for Merchants Bank of Commerce, an institution dedicated to providing a broad spectrum of financial solutions to small and medium-sized businesses, alongside individual retail customers throughout California. The bank facilitates diverse deposit options, encompassing standard checking, interest-bearing checking, money market, and savings accounts, in addition to certificates of deposit. Its lending portfolio is extensive, offering commercial, commercial real estate, residential real estate, consumer, and construction loans, along with term loans and those backed by the Small Business Administration (SBA). Beyond core banking, it extends offerings such as sweep arrangements, secure safe deposit boxes, collection services, comprehensive electronic banking, payroll processing, and convenient ATM and point-of-sale capabilities. The company operates eleven branch locations in northern California, consisting of ten full-service offices and a single limited-service facility. Its corporate headquarters are situated in Sacramento, California.
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For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Bank of Commerce Holdings (BOCH)
Bank of Commerce Holdings serves as the parent entity for Merchants Bank of Commerce, an institution dedicated to providing a broad spectrum of financial solutions to small and medium-sized businesses, alongside individual retail customers throughout California. The bank facilitates diverse deposit options, encompassing standard checking, interest-bearing checking, money market, and savings accounts, in addition to certificates of deposit. Its lending portfolio is extensive, offering commercial, commercial real estate, residential real estate, consumer, and construction loans, along with term loans and those backed by the Small Business Administration (SBA). Beyond core banking, it extends offerings such as sweep arrangements, secure safe deposit boxes, collection services, comprehensive electronic banking, payroll processing, and convenient ATM and point-of-sale capabilities. The company operates eleven branch locations in northern California, consisting of ten full-service offices and a single limited-service facility. Its corporate headquarters are situated in Sacramento, California.
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