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

  • 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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. BOCH Growth Analysis

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.
  • The Earnings Per Share has been growing slightly by 6.26% on average over the past years.
  • BOCH shows a small growth in Revenue. In the last year, the Revenue has grown by 6.74%.
  • The Revenue has been growing by 10.00% on average over the past years. This is quite good.
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

  • The Earnings Per Share is expected to grow by 5.80% on average over the next years.
  • 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

  • The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
  • 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

  • Based on the Price/Earnings ratio of 13.08, the valuation of BOCH can be described as correct.
  • Compared to an average S&P500 Price/Earnings ratio of 25.71, BOCH is valued a bit cheaper.
  • BOCH is valuated correctly with a Price/Forward Earnings ratio of 14.83.
  • The average S&P500 Price/Forward Earnings ratio is at 23.83. 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

  • The 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.
  • BOCH's Dividend Yield is comparable with the S&P500 average which is at 1.91.
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 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 NumberN/A
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.


How profitable is Bank of Commerce Holdings (BOCH) stock?

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


What is the valuation of Bank of Commerce Holdings based on its PE and PB ratios?

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


What is the expected EPS growth for Bank of Commerce Holdings (BOCH) stock?

The Earnings per Share (EPS) of Bank of Commerce Holdings (BOCH) is expected to grow by 33.57% in the next year.