Bank of Commerce Holdings (BOCH) Fundamental Analysis & Valuation

NASDAQ:BOCH

Current stock price

15.17
-0.24 (-1.56%)
At close:
14.33
-0.84 (-5.54%)
After Hours:

This BOCH fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

0

1. BOCH Profitability Analysis

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

  • BOCH does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
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. BOCH Health Analysis

2.1 Basic Checks

  • BOCH has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the 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. BOCH Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 48.72% over the past year.
  • 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%.
  • BOCH shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.00% yearly.
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

  • BOCH is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.80% yearly.
  • The Revenue is expected to grow by 1.66% on average over the next years.
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 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 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. BOCH Valuation Analysis

4.1 Price/Earnings Ratio

  • BOCH is valuated correctly with a Price/Earnings ratio of 13.08.
  • BOCH is valuated cheaply when we compare the Price/Earnings ratio to 27.53, which is the current average of the S&P500 Index.
  • BOCH is valuated correctly with a Price/Forward Earnings ratio of 14.83.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 37.95, BOCH is valued rather cheaply.
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 10 20 30

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. BOCH Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 1.58%, BOCH has a reasonable but not impressive dividend return.
  • Compared to an average S&P500 Dividend Yield of 1.82, BOCH has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.58%

5.2 History

  • On average, the dividend of BOCH grows each year by 12.25%, which is quite nice.
  • BOCH has been paying a dividend for at least 10 years, so it has 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 2016 2017 2018 2019 2020 2021 0.05 0.1 0.15 0.2

5.3 Sustainability

  • 19.88% of the earnings are spent on dividend by BOCH. This is a low number and 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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BOCH Fundamentals: All Metrics, Ratios and Statistics

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
Earnings (Next)N/A
Inst Owners0%
Inst Owner Change0%
Ins Owners1.57%
Ins Owner Change0%
Market Cap254.20M
Revenue(TTM)61.57M
Net Income(TTM)18.46M
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
Graham Number0 (-100%)
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
ROICexgc growth 3Y0%
ROICexgc 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

Bank of Commerce Holdings / BOCH Fundamental Analysis FAQ

What is the fundamental rating for BOCH stock?

ChartMill assigns a fundamental rating of 3 / 10 to BOCH.


What is the valuation status for BOCH stock?

ChartMill assigns a valuation rating of 4 / 10 to Bank of Commerce Holdings (BOCH). This can be considered as Fairly Valued.


Can you provide the profitability details for Bank of Commerce Holdings?

Bank of Commerce Holdings (BOCH) has a profitability rating of 2 / 10.


What are the PE and PB ratios of Bank of Commerce Holdings (BOCH) stock?

The Price/Earnings (PE) ratio for Bank of Commerce Holdings (BOCH) is 13.08 and the Price/Book (PB) ratio is 1.4.


How financially healthy is Bank of Commerce Holdings?

The financial health rating of Bank of Commerce Holdings (BOCH) is 3 / 10.