HERITAGE OAKS BANCORP
Financials · State Commercial Banks · CA · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY16 | FY15 | FY14 | FY13 | FY12 | FY11 | |
|---|---|---|---|---|---|---|
| Revenue | — | — | $0 | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $4.0M | $4.1M | $9.0M | $3.7M | $1.6M | $7.7M |
| Total assets | $2.02B | $1.90B | $1.71B | $1.20B | $1.10B | $987.1M |
| Total liabilities | $1.81B | $1.69B | $1.51B | $1.08B | $952.0M | $857.6M |
| Equity | $212.8M | $206.4M | $197.9M | $126.4M | $145.5M | $129.6M |
| EPS (diluted) | $0.12 | $0.12 | $0.27 | $0.13 | $0.05 | $0.24 |
| Shares out. | 34.2M | 33.9M | 25.4M | 25.3M | 25.2M | 25.1M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2016- Operating margin
- —
- Net margin
- —
- Return on equity
- 1.9%
- Return on assets
- 0.2%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 89.5%
- Debt / equity
- 8.51×
- Book value / share
- $6.23
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- −2.1%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2016- Accruals / assets
- −1.2%clean
- Piotroski F-Score
- 3/6weak
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.
Signs
● 1 warning● 2 good- High leverage (liabilities > 70% of assets)
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Stronks Timothy JosephOfficer — Executive Vice President | Mar 2, 2017 | Grant | 638 | $13.95 |
| Schack William AOfficer — EVP / Chief Credit Officer | Mar 2, 2017 | Grant | 484 | $13.95 |
| Lagomarsino SimoneOfficer — President / CEO | Mar 2, 2017 | D | 3,082 | $13.95 |
| Castle JasonOfficer — Chief Financial Officer | Feb 1, 2017 | D | 1,569 | $13.44 |
| Lagomarsino SimoneOfficer — President / CEO | Feb 1, 2017 | Grant | 7,081 | $13.44 |
| Lagomarsino SimoneOfficer — President / CEO | Dec 28, 2016 | Option exercise | 42,708 | $7.65 |
| Osterbauer RobertOfficer — Executive Vice President | Sep 1, 2016 | Sell | 3,000 | $8.05 |
| Ohare Daniel JDirector | Sep 1, 2016 | Grant | 3,101 | $8.06 |
| Lynch James JDirector | Sep 1, 2016 | Grant | 2,636 | $8.06 |
| Gould HowardDirector | Sep 1, 2016 | Grant | 3,101 | $8.06 |
| Campbell Donald H | Sep 1, 2016 | Grant | 3,101 | $8.06 |
| Yost Stephen PDirector | Sep 1, 2016 | Grant | 3,101 | $8.06 |
Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.
Material events
SEC Form 8-K · most recent- Shareholder vote · Other material eventMar 29, 2017
- Delisting / listing-standard notice · Other material eventMar 28, 2017
- Regulation FD disclosure · Other material eventMar 27, 2017
- Regulation FD disclosure · Other material eventFeb 3, 2017
- Results of operations · Other material eventJan 31, 2017
- Regulation FD disclosureJan 4, 2017
- Entered a material agreement · Other material eventDec 13, 2016
- Other material eventNov 30, 2016
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗Event-driven situations (1)
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