| Company Name: | Bank of Commerce Holdings CA | | Ticker Symbol: | BOCH | | | WWW Address: | www.reddingbankofcommerce.com | | CEO: | Patrick J. Moty | | No. of Employees: | 120 | | Common Issue Type: | CS | | Business Description: | A financial holding company, which through its subsidiaries provides a range of financial services and products for business and consumer banking.
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| | | Industry Information: | BANKING - Regional - Pacific Banks [more like this] |
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| Price | Day Change | Bid | Ask | Open | High | Low | Volume | | 5.47 |  0.0 | 5.2 | 5.48 | 0 | 5.47 | 5.47 | - |
| Market Cap (mil) | Shares Outstanding (mil) | Beta | EPS | DPS | P/E | Yield | 52-Wks-Range |
| 47.7 | 8.7 | 0.69 | 0.25 | 0.32 | 14.8 | 4.4 | 6.52 - 3.90 |
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| KEY FIGURES (Latest Twelve Months - LTM) | | Yesterday's Close | 5.47 | $ | | PE Ratio - LTM | 14.8 | |
| Market Capitalisation | 47.7 | mil |
| Latest Shares Outstanding | 8.7 | mil |
| Earnings pS (EPS) | 0.25 | $ |
| Dividend pS (DPS) | 0.32 | ¢ |
| Dividend Yield | 4.4 | % |
| Dividend Payout Ratio | 128 | % |
| Revenue per Employee | 335,940 | $ |
| Effective Tax Rate | 0.0 | % |
| Float | 6.4 | mil |
| Float as % of Shares Outstanding | 73.2 | % |
| Foreign Sales | - | |
| Domestic Sales | - | |
| Selling, General & Adm/tive (SG&A) as % of Revenue | - | |
| Research & Devlopment (R&D) as % of Revenue | - | |
| Gross Profit Margin | - | |
| EBITDA Margin | 43.0 | % |
| Pre-Tax Profit Margin | 11.0 | % |
| Assets Turnover | 0.1 | % |
| Return on Assets (ROA) | 0.5 | % |
| Return on Equity (ROE) | 8.0 | % |
| Return on Capital Invested (ROCI) | 4.8 | % |
| Current Ratio | - | |
| Leverage Ratio (Assets/Equity) | 16.5 | |
| Interest Cover | 1.4 | |
| Total Debt/Equity (Gearing Ratio) | 0.56 | |
| LT Debt/Total Capital | 19.0 | % |
| Working Capital pS | - | |
| Cash pS | - | |
| Book-Value pS | 5.66 | $ |
| Tangible Book-Value pS | 5.33 | $ |
| Cash Flow pS | 0.37 | $ |
| Free Cash Flow pS | 0.10 | $ |
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| KEY FIGURES (LTM): Price info |
| Price/Book Ratio | 0.97 | |
| Price/Tangible Book Ratio | 1.03 | |
| Price/Cash Flow | 14.7 | |
| Price/Free Cash Flow | 52.3 | |
| P/E as % of Industry Group | 0.0 | % |
| P/E as % of Sector Segment | 0.0 | % |
| | | Balance Sheet (at a glance) in Millions |
| | | | | | DIVIDEND INFO | | Dividend Declared Date | 09/16/2009 |
| Dividend Ex-Date | 09/27/2009 |
| Dividend Record Date | 09/29/2009 |
| Dividend Pay Date | 10/08/2009 |
| Dividend Amount | 60 |
| Type of Payment | Cash Payment |
| Dividend Rate | 0.24 |
| Current Dividend Yield | 4.4 |
| 5-Y Average Dividend Yield | 3.7 |
| Payout Ratio | 128.0 |
| 5-Y Average Payout Ratio | 56.0 |
|  | | Share price performance previous 3 years |
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 | | | Share price performance intraday |
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| PRICE/VOLUME | High | Low | Close | % Price Chg | % Price Chg vs. Mkt. | Avg. Daily Vol | Total Vol |
| 1 Week | - | - | - | 0.0 | 99 | 13 | 0 |
| 4 Weeks | 5.99 | 5.20 | 5.74 | -4.7 | 89 | 21 | 340 |
| 13 Weeks | 6.14 | 4.85 | 5.55 | -1.4 | 92 | 17 | 1,045 |
| 26 Weeks | 6.30 | 4.50 | 5.75 | -4.9 | 79 | 18 | 2,289 |
| 52 Weeks | 6.52 | 3.90 | 4.50 | 21.6 | 98 | 17 | 4,185 |
| YTD | 6.52 | 3.90 | - | 29.3 | 106 | 18 | 4,029 |
| Moving Average | 5-Days | 10-Days | 10-Weeks | 30-Weeks | 200-Days | Beta (60-Mnth) | Beta (36-Mnth) |
| 5.35 | 5.40 | 5.55 | 5.50 | 5.24 | 0.69 | 0.67 |
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| GROWTH RATES | 5-Year
Growh | R² of 5-Year Growth | 3-Year
Growth |
| Revenue | 15.44 | 84.8 | 6.03 |
| Income | -12.57 | 36.3 | -25.82 |
| Dividend | 7.80 | 38.9 | -1.42 |
| Capital Spending | 26.53 | NA | 4.82 |
| R&D | 0.00 | NA | 0.00 |
| Normalized Inc. | -7.85 | NA | -16.26 |
| | | CHANGES | YTD vs.
Last YTD | Curr Qtr vs.
Qtr 1-Yr ago | Annual vs.
Last Annual |
| Revenue % | 47.7 | 64.2 | -11.9 |
| Earnings % | 61.2 | 138.9 | -64.1 |
| EPS % | 36.4 | 112.5 | -63.2 |
| EPS $ | 0.12 | 0.09 | -0.43 |
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| SOLVENCY RATIOS | | SHORT-TERM SOLVENCY RATIOS (LIQUIDITY) |
| Free Cash Flow Margin | -7.18 |
| Free Cash Flow Margin 5YEAR AVG | 8.22 |
| Cash-Flow pS | 0.11 |
| Free Cash-Flow pS | -0.31 |
| FINANCIAL STRUCTURE RATIOS |
| Financial Leverage Ratio (Assets/Equity) | 12.37 |
| Debt Ratio | 91.92 |
| Total Debt/Equity (Gearing Ratio) | 2.16 |
| LT Debt/Equity | 0.25 |
| LT Debt/Capital Invested | 19.82 |
| LT Debt/Total Liabilities | 2.17 |
| | | | VALUATION RATIOS | | MULTIPLES |
| PQ Ratio | 2.59 |
| Tobin's Q Ratio | 0.07 |
| Current P/E Ratio - LTM | 14.80 |
| Enterprise Value (EV)/EBITDA | 0.06 |
| Enterprise Value (EV)/Free Cash Flow | 4.12 |
| Dividend Yield | 4.4 |
| Price/Tangible Book Ratio - LTM | 1.03 |
| Price/Book Ratio - LTM | 0.97 |
| Price/Cash Flow Ratio | 14.7 |
| Price/Free Cash Flow Ratio - LTM | 52.3 |
| P/E Ratio (1 month ago) - LTM | 14.1 |
| P/E Ratio (26 weeks ago) - LTM | 26.1 |
| P/E Ratio (52 weeks ago) - LTM | 8.8 |
| 5-Y High P/E Ratio | 35.0 |
| 5-Y Low P/E Ratio | 12.4 |
| 5-Y Average P/E Ratio | 16.4 |
| Current P/E Ratio as % of 5-Y Average P/E | 90 |
| P/E as % of Industry Group | 0.0 |
| P/E as % of Sector Segment | 0.0 |
| Current 12 Month Normalized P/E Ratio - LTM | 8.5 |
| PER SHARE FIGURES |
| Tangible Book Value pS - LTM | 5.33 |
| Book Value pS - LTM | 5.66 |
| Capital Invested pS | 8.96 |
| Cash Flow pS - LTM | 0.37 |
| Free Cash Flow pS - LTM | 0.10 |
| Earnings pS (EPS) | 0.25 |
| | | | OPERATING RATIOS | | PROFITABILITY |
| Return on Equity (ROE) | 4.77 |
| Return on Equity (ROE) - 5YEAR AVRG. | 12.4 |
| Return on Capital Invested (ROCI) | 2.81 |
| Return on Capital Invested (ROCI) - 5YEAR AVRG. | 8.2 |
| Return on Assets (ROA) | 0.28 |
| Return on Assets (ROA) - 5YEAR AVRG. | 0.9 |
| EBIT Margin - LTM | 37.2 |
| EBITDA Margin - LTM | 43.0 |
| Pre-Tax Profit Margin | 10.09 |
| Pre-Tax Profit Margin - 5YEAR AVRG. | 37.70 |
| Net Profit Margin | 10.28 |
| Net Profit Margin - 5YEAR AVRG. | 25.67 |
| Effective Tax Rate | -1.83 |
| Effective Tax Rate - 5YEAR AVRG. | 25.81 |
| EFFICIENCY RATIOS |
| Revenue per Employee - LTM | 423,023 |
| Net Income per Employee - LTM | 32,837 |
| Assets/Revenue - LTM | 1,000.00 |
| Assets/Revenue - 5YEAR AVRG. | 2,841.76 |
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