Bank of Commerce Holdings Logo

Bank of Commerce Holdings

BOCH

(1.8)
Stock Price

15,17 USD

71.27% ROA

8.04% ROE

17.92x PER

Market Cap.

0,00 USD

14.24% DER

0% Yield

23.8% NPM

Bank of Commerce Holdings Stock Analysis

Bank of Commerce Holdings Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Bank of Commerce Holdings Fundamental Stock Analysis
# Analysis Rating
1 ROA

The stock's ability to make a lot of money from its assets shows that it is very profitable, making it a good choice for people who want to invest and make a lot of money.

2 Revenue Growth

Over the past five years, this company's revenue has consistently increased, demonstrating a robust financial performance that makes it an appealing opportunity.

3 ROE

ROE in an average range (8.04%) suggests satisfactory profitability and decent utilization of shareholders' equity.

4 PBV

The stock's PBV ratio (1.42x) indicates a justifiable valuation, presenting a compelling choice for investors seeking reasonable returns.

5 Buffet Intrinsic Value

The company's stock seems undervalued (81) by Warren Buffett's formula, indicating a promising investment opportunity as its intrinsic value exceeds the market price.

6 DER

The stock is burdened with a heavy load of debt (893%), making it financially unstable and potentially risky for investors.

7 Net Profit Growth

Over the past five years, this company's net profit has failed to exhibit any growth, indicating a stagnant financial performance and making it a less favorable choice for potential investors.

8 Assets Growth

Company's revenue has remained stagnant over the past three years, indicating a lack of growth and making it a less favorable option.

9 Graham Number

The company's Graham number indicates that it is overvalued compared to its stock price, suggesting a potentially unfavorable investment opportunity.

10 Dividend Growth

Investors should note the company's stagnant dividend growth over the past three years, indicating limited profitability and potentially diminishing returns.

11 Dividend

Investors should note the absence of dividends from the company in the last three years, indicating potential financial challenges.

Bank of Commerce Holdings Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Bank of Commerce Holdings Technical Stock Analysis
# Analysis Recommendation

Bank of Commerce Holdings Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Bank of Commerce Holdings Revenue
Year Revenue Growth
1998 3.038.861
1999 13.625.359 77.7%
2000 14.262.728 4.47%
2001 14.013.197 -1.78%
2002 14.608.000 4.07%
2003 16.844.504 13.28%
2004 19.082.579 11.73%
2005 22.361.283 14.66%
2006 23.963.270 6.69%
2007 26.546.895 9.73%
2008 23.970.532 -10.75%
2009 39.057.067 38.63%
2010 52.811.000 26.04%
2011 51.857.000 -1.84%
2012 41.701.000 -24.35%
2013 37.325.000 -11.72%
2014 36.916.000 -1.11%
2015 36.953.000 0.1%
2016 39.826.000 7.21%
2017 46.186.000 13.77%
2018 51.565.000 10.43%
2019 57.719.000 10.66%
2020 59.507.000 3%
2021 60.380.000 1.45%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Bank of Commerce Holdings Research and Development Expenses
Year Research and Development Expenses Growth
1998 0
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Bank of Commerce Holdings General and Administrative Expenses
Year General and Administrative Expenses Growth
1998 3.421.719
1999 3.804.621 10.06%
2000 3.752.610 -1.39%
2001 3.948.301 4.96%
2002 4.709.000 16.15%
2003 5.450.874 13.61%
2004 5.938.672 8.21%
2005 6.883.754 13.73%
2006 8.020.136 14.17%
2007 8.665.679 7.45%
2008 7.750.980 -11.8%
2009 13.825.523 43.94%
2010 18.404.000 24.88%
2011 21.759.000 15.42%
2012 12.865.000 -69.13%
2013 13.486.000 4.6%
2014 16.915.000 20.27%
2015 16.036.000 -5.48%
2016 19.466.000 17.62%
2017 20.765.000 6.26%
2018 21.612.000 3.92%
2019 24.167.000 10.57%
2020 24.533.000 1.49%
2021 24.080.000 -1.88%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Bank of Commerce Holdings EBITDA
Year EBITDA Growth
1998 12.820.141
1999 14.007.230 8.47%
2000 17.232.655 18.72%
2001 15.960.752 -7.97%
2002 13.040.000 -22.4%
2003 12.270.911 -6.27%
2004 12.901.591 4.89%
2005 18.452.286 30.08%
2006 26.728.367 30.96%
2007 27.749.833 3.68%
2008 19.739.924 -40.58%
2009 22.251.909 11.29%
2010 19.736.000 -12.75%
2011 19.586.000 -0.77%
2012 16.628.000 -17.79%
2013 16.805.000 1.05%
2014 12.719.000 -32.13%
2015 18.555.000 31.45%
2016 14.088.000 -31.71%
2017 21.141.000 33.36%
2018 26.473.000 20.14%
2019 28.579.000 7.37%
2020 25.909.000 -10.31%
2021 29.284.000 11.53%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Bank of Commerce Holdings Gross Profit
Year Gross Profit Growth
1998 3.038.861
1999 13.625.359 77.7%
2000 14.262.728 4.47%
2001 14.013.197 -1.78%
2002 14.608.000 4.07%
2003 16.844.504 13.28%
2004 19.082.579 11.73%
2005 22.361.283 14.66%
2006 23.963.270 6.69%
2007 26.546.895 9.73%
2008 23.970.532 -10.75%
2009 39.057.067 38.63%
2010 52.811.000 26.04%
2011 51.857.000 -1.84%
2012 41.701.000 -24.35%
2013 37.325.000 -11.72%
2014 36.916.000 -1.11%
2015 36.953.000 0.1%
2016 39.826.000 7.21%
2017 46.186.000 13.77%
2018 51.565.000 10.43%
2019 57.719.000 10.66%
2020 59.507.000 3%
2021 60.380.000 1.45%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Bank of Commerce Holdings Net Profit
Year Net Profit Growth
1998 4.054.109
1999 4.370.003 7.23%
2000 4.811.769 9.18%
2001 4.273.662 -12.59%
2002 3.696.000 -15.63%
2003 4.182.676 11.64%
2004 4.977.675 15.97%
2005 6.278.370 20.72%
2006 6.567.709 4.41%
2007 6.106.898 -7.55%
2008 2.194.386 -178.3%
2009 6.005.300 63.46%
2010 6.220.000 3.45%
2011 7.255.000 14.27%
2012 7.416.000 2.17%
2013 7.935.000 6.54%
2014 5.727.000 -38.55%
2015 8.586.000 33.3%
2016 5.259.000 -63.26%
2017 7.344.000 28.39%
2018 15.730.000 53.31%
2019 14.961.000 -5.14%
2020 14.164.000 -5.63%
2021 16.556.000 14.45%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Bank of Commerce Holdings Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1998 0
1999 1 0%
2000 1 0%
2001 1 0%
2002 0 0%
2003 1 0%
2004 1 0%
2005 1 0%
2006 1 0%
2007 1 0%
2008 0 0%
2009 1 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 1 0%
2014 0 0%
2015 1 0%
2016 0 0%
2017 0 0%
2018 1 0%
2019 1 0%
2020 1 0%
2021 1 100%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Bank of Commerce Holdings Free Cashflow
Year Free Cashflow Growth
1998 3.822.089
1999 5.366.206 28.77%
2000 4.234.090 -26.74%
2001 -200.786 2208.76%
2002 2.946.000 106.82%
2003 4.140.010 28.84%
2004 12.592.432 67.12%
2005 2.701.172 -366.18%
2006 -675.273 500.01%
2007 3.795.215 117.79%
2008 84.309 -4401.55%
2009 10.929.913 99.23%
2010 10.120.000 -8%
2011 2.764.000 -266.14%
2012 45.066.000 93.87%
2013 13.531.000 -233.06%
2014 14.816.000 8.67%
2015 13.411.000 -10.48%
2016 12.520.000 -7.12%
2017 15.665.000 20.08%
2018 20.949.000 25.22%
2019 16.780.000 -24.85%
2020 21.640.000 22.46%
2021 12.147.000 -78.15%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Bank of Commerce Holdings Operating Cashflow
Year Operating Cashflow Growth
1998 4.246.513
1999 5.765.039 26.34%
2000 4.566.605 -26.24%
2001 401.182 -1038.29%
2002 3.572.000 88.77%
2003 5.157.867 30.75%
2004 12.874.786 59.94%
2005 3.412.389 -277.3%
2006 3.030.151 -12.61%
2007 7.151.408 57.63%
2008 944.393 -657.25%
2009 11.305.023 91.65%
2010 6.666.000 -69.59%
2011 393.000 -1596.18%
2012 39.679.000 99.01%
2013 9.928.000 -299.67%
2014 14.014.000 29.16%
2015 10.300.000 -36.06%
2016 11.884.000 13.33%
2017 13.554.000 12.32%
2018 20.732.000 34.62%
2019 16.648.000 -24.53%
2020 22.773.000 26.9%
2021 12.147.000 -87.48%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Bank of Commerce Holdings Capital Expenditure
Year Capital Expenditure Growth
1998 424.424
1999 398.833 -6.42%
2000 332.515 -19.94%
2001 601.968 44.76%
2002 626.000 3.84%
2003 1.017.857 38.5%
2004 282.354 -260.49%
2005 711.217 60.3%
2006 3.705.424 80.81%
2007 3.356.193 -10.41%
2008 860.084 -290.22%
2009 375.110 -129.29%
2010 -3.454.000 110.86%
2011 -2.371.000 -45.68%
2012 -5.387.000 55.99%
2013 -3.603.000 -49.51%
2014 -802.000 -349.25%
2015 -3.111.000 74.22%
2016 -636.000 -389.15%
2017 -2.111.000 69.87%
2018 -217.000 -872.81%
2019 -132.000 -64.39%
2020 1.133.000 111.65%
2021 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Bank of Commerce Holdings Equity
Year Equity Growth
1998 24.653.877
1999 26.059.395 5.39%
2000 28.754.269 9.37%
2001 27.239.849 -5.56%
2002 27.667.000 1.54%
2003 30.511.193 9.32%
2004 35.283.337 13.53%
2005 39.137.903 9.85%
2006 43.916.250 10.88%
2007 46.163.848 4.87%
2008 62.577.641 26.23%
2009 66.481.428 5.87%
2010 101.148.000 34.27%
2011 110.462.000 8.43%
2012 110.321.000 -0.13%
2013 101.787.000 -8.38%
2014 103.602.000 1.75%
2015 90.522.000 -14.45%
2016 94.106.000 3.81%
2017 127.264.000 26.05%
2018 138.321.000 7.99%
2019 174.478.000 20.72%
2020 177.702.000 1.81%
2021 182.137.000 2.43%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Bank of Commerce Holdings Assets
Year Assets Growth
1998 216.084.995
1999 232.519.277 7.07%
2000 255.106.782 8.85%
2001 318.686.351 19.95%
2002 367.434.000 13.27%
2003 401.157.652 8.41%
2004 438.544.807 8.53%
2005 511.643.645 14.29%
2006 583.442.027 12.31%
2007 618.326.915 5.64%
2008 774.213.960 20.13%
2009 14.844.000 -5115.67%
2010 14.844.000 0%
2011 25.275.000 41.27%
2012 758.758.000 96.67%
2013 719.556.000 -5.45%
2014 795.733.000 9.57%
2015 814.949.000 2.36%
2016 913.830.000 10.82%
2017 952.476.000 4.06%
2018 1.026.503.000 7.21%
2019 1.133.400.000 9.43%
2020 35.590.000 -3084.6%
2021 41.577.000 14.4%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Bank of Commerce Holdings Liabilities
Year Liabilities Growth
1998 191.431.118
1999 206.459.882 7.28%
2000 226.352.513 8.79%
2001 291.446.502 22.33%
2002 339.767.000 14.22%
2003 370.646.459 8.33%
2004 403.261.470 8.09%
2005 472.505.742 14.65%
2006 539.525.777 12.42%
2007 572.163.067 5.7%
2008 711.636.319 19.6%
2009 744.599.502 4.43%
2010 835.406.000 10.87%
2011 827.101.000 -1%
2012 869.103.000 4.83%
2013 854.555.000 -1.7%
2014 893.590.000 4.37%
2015 924.919.000 3.39%
2016 1.046.886.000 11.65%
2017 1.142.157.000 8.34%
2018 1.168.783.000 2.28%
2019 1.305.138.000 10.45%
2020 1.586.252.000 17.72%
2021 1.735.016.000 8.57%

Bank of Commerce Holdings Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
3.56
Net Income per Share
0.85
Price to Earning Ratio
17.92x
Price To Sales Ratio
0x
POCF Ratio
11.15
PFCF Ratio
0
Price to Book Ratio
1.43
EV to Sales
-1.24
EV Over EBITDA
-2.86
EV to Operating CashFlow
-3.25
EV to FreeCashFlow
-3.42
Earnings Yield
0.06
FreeCashFlow Yield
0
Market Cap
0,00 Bil.
Enterprise Value
-0,07 Bil.
Graham Number
14.22
Graham NetNet
-61.38

Income Statement Metrics

Net Income per Share
0.85
Income Quality
1.61
ROE
0.08
Return On Assets
0.4
Return On Capital Employed
0.94
Net Income per EBT
0.73
EBT Per Ebit
1
Ebit per Revenue
0.32
Effective Tax Rate
0.27

Margins

Sales, General, & Administrative to Revenue
0.41
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.32
Pretax Profit Margin
0.32
Net Profit Margin
0.24

Dividends

Dividend Yield
0
Dividend Yield %
0
Payout Ratio
0
Dividend Per Share
0

Operating Metrics

Operating Cashflow per Share
1.36
Free CashFlow per Share
1.29
Capex to Operating CashFlow
-0.05
Capex to Revenue
-0.02
Capex to Depreciation
-0.57
Return on Invested Capital
0.07
Return on Tangible Assets
0.71
Days Sales Outstanding
44.65
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
8.18
Payables Turnover
0
Inventory Turnover
0
Capex per Share
-0.07

Balance Sheet

Cash per Share
33,10
Book Value per Share
10,62
Tangible Book Value per Share
-93.62
Shareholders Equity per Share
10.62
Interest Debt per Share
1.79
Debt to Equity
0.14
Debt to Assets
0.71
Net Debt to EBITDA
-2.86
Current Ratio
1.33
Tangible Asset Value
-1,57 Bil.
Net Current Asset Value
-1,57 Bil.
Invested Capital
0.14
Working Capital
0,00 Bil.
Intangibles to Total Assets
0.44
Average Receivables
0,01 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Bank of Commerce Holdings Dividends
Year Dividends Growth
1997 1
1998 2 0%
1999 2 0%
2000 2 0%
2001 1 0%
2002 1 0%
2003 1 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%

Bank of Commerce Holdings Profile

About Bank of Commerce Holdings

Bank of Commerce Holdings operates as the bank holding company for Merchants Bank of Commerce that provides a range of financial services and products for small to medium-sized businesses, and retail customers in California. The company accepts various deposit products, such as checking, interest bearing checking, money market, and savings accounts, as well as certificates of deposit. Its loan products include commercial loans, commercial real estate loans, residential real estate loans, consumer loans, construction loans, term loans, and small business administration loans. In addition, it provides sweep arrangements, safe deposit boxes, collection, electronic banking, payroll processing, and ATM and point of sale services. The company operates ten full service offices and one limited service office in northern California. Bank of Commerce Holdings is headquartered in Sacramento, California.

CEO
Mr. Randall Eslick
Employee
206
Address
1901 Churn Creek Rd
Redding, 95814

Bank of Commerce Holdings Executives & BODs

Bank of Commerce Holdings Executives & BODs
# Name Age

Bank of Commerce Holdings Competitors