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Bank of Commerce Holdings (BOCH) Stock Fundamental Analysis

NASDAQ:BOCH - Nasdaq -

15.17  -0.24 (-1.56%)

After market: 14.33 -0.84 (-5.54%)

Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to BOCH. BOCH was compared to 398 industry peers in the Banks industry. BOCH has a bad profitability rating. Also its financial health evaluation is rather negative. BOCH is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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0

1. Profitability

1.1 Basic Checks

BOCH had positive earnings in the past year.

1.2 Ratios

Industry RankSector Rank
ROA 0.96%
ROE 10.14%
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A

1.3 Margins

The Operating Margin and Gross Margin are not available for BOCH so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 29.98%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A

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1

2. Health

2.1 Basic Checks

There is no outstanding debt for BOCH. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.

2.2 Solvency

A Debt/Equity ratio of 0.11 indicates that BOCH is not too dependend on debt financing.
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACCN/A

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

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5

3. Growth

3.1 Past

BOCH shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 48.72%, which is quite impressive.
BOCH shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 6.26% yearly.
BOCH shows a small growth in Revenue. In the last year, the Revenue has grown by 6.74%.
Measured over the past years, BOCH shows a quite strong growth in Revenue. The Revenue has been growing by 10.00% on average per year.
EPS 1Y (TTM)48.72%
EPS 3Y8.92%
EPS 5Y6.26%
EPS Q2Q%30.43%
Revenue 1Y (TTM)6.74%
Revenue growth 3Y8.81%
Revenue growth 5Y10%
Sales Q2Q%2.42%

3.2 Future

Based on estimates for the next years, BOCH will show a small growth in Earnings Per Share. The EPS will grow by 5.80% on average per year.
BOCH is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.66% yearly.
EPS Next Y33.57%
EPS Next 2Y10.36%
EPS Next 3Y10.2%
EPS Next 5Y5.8%
Revenue Next Year0.18%
Revenue Next 2Y-0.34%
Revenue Next 3Y1.73%
Revenue Next 5Y1.66%

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
BOCH Yearly Revenue VS EstimatesBOCH Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M
BOCH Yearly EPS VS EstimatesBOCH Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

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3

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 13.08, BOCH is valued correctly.
Compared to an average S&P500 Price/Earnings ratio of 28.29, BOCH is valued rather cheaply.
A Price/Forward Earnings ratio of 14.83 indicates a correct valuation of BOCH.
The average S&P500 Price/Forward Earnings ratio is at 21.08. BOCH is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 13.08
Fwd PE 14.83
BOCH Price Earnings VS Forward Price EarningsBOCH Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
BOCH Per share dataBOCH EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

4.3 Compensation for Growth

BOCH's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.39
PEG (5Y)2.09
EPS Next 2Y10.36%
EPS Next 3Y10.2%

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4

5. Dividend

5.1 Amount

BOCH has a Yearly Dividend Yield of 1.58%. Purely for dividend investing, there may be better candidates out there.
Compared to the average S&P500 Dividend Yield of 2.52, BOCH is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.58%

5.2 History

The dividend of BOCH is nicely growing with an annual growth rate of 12.25%!
BOCH has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)12.25%
Div Incr YearsN/A
Div Non Decr YearsN/A
BOCH Yearly Dividends per shareBOCH Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 0.05 0.1 0.15 0.2

5.3 Sustainability

BOCH pays out 19.88% of its income as dividend. This is a sustainable payout ratio.
BOCH's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP19.88%
EPS Next 2Y10.36%
EPS Next 3Y10.2%
BOCH Dividend Payout.BOCH Dividend Payout, showing the Payout Ratio.BOCH Dividend Payout.PayoutRetained Earnings

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Bank of Commerce Holdings

NASDAQ:BOCH (9/30/2021, 8:21:06 PM)

After market: 14.33 -0.84 (-5.54%)

15.17

-0.24 (-1.56%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)N/A N/A
Earnings (Next)N/A N/A
Inst Owners0%
Inst Owner Change0%
Ins Owners1.57%
Ins Owner Change0%
Market Cap254.20M
Analysts60
Price Target14.2 (-6.39%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.58%
Yearly Dividend0.24
Dividend Growth(5Y)12.25%
DP19.88%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 13.08
Fwd PE 14.83
P/S 4.13
P/FCF N/A
P/OCF N/A
P/B 1.4
P/tB N/A
EV/EBITDA N/A
EPS(TTM)1.16
EY7.65%
EPS(NY)1.02
Fwd EY6.74%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS3.67
BVpS10.87
TBVpSN/A
PEG (NY)0.39
PEG (5Y)2.09
Profitability
Industry RankSector Rank
ROA 0.96%
ROE 10.14%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 29.98%
GM N/A
FCFM N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3Y0%
ROICexcg growth 5Y0%
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)48.72%
EPS 3Y8.92%
EPS 5Y6.26%
EPS Q2Q%30.43%
EPS Next Y33.57%
EPS Next 2Y10.36%
EPS Next 3Y10.2%
EPS Next 5Y5.8%
Revenue 1Y (TTM)6.74%
Revenue growth 3Y8.81%
Revenue growth 5Y10%
Sales Q2Q%2.42%
Revenue Next Year0.18%
Revenue Next 2Y-0.34%
Revenue Next 3Y1.73%
Revenue Next 5Y1.66%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
OCF growth 3YN/A
OCF growth 5YN/A