Heritage Oaks Bancorp

Heritage Oaks Bank opened its doors on January 13, 1983 in Paso Robles, California. Since opening day, the bank has grown to over one billion in total assets and has branch locations serving the communities of Paso Robles, Templeton, Cambria, Morro Bay, Atascadero, San Luis Obispo, Arroyo Grande, Santa Maria, and Santa Barbara under the brand, Business First Bank, a division of Heritage Oaks Bank.The Bank also has loan production offices in Oxnard and Goleta.
Paso Robles, US
Size (employees)
302 (est)
Heritage Oaks Bancorp was founded in 1983 and is headquartered in Paso Robles, US

Heritage Oaks Bancorp Office Locations

Heritage Oaks Bancorp has an office in Paso Robles
Paso Robles, US (HQ)
1222 Vine St

Heritage Oaks Bancorp Data and Metrics

Heritage Oaks Bancorp Financial Metrics

Heritage Oaks Bancorp's revenue was reported to be $71.3 m in FY, 2016 which is a 5% increase from the previous period.

Revenue (FY, 2016)

71.3 m

Revenue growth (FY, 2015 - FY, 2016), %


Gross profit (FY, 2016)

65.6 m

Gross profit margin (FY, 2016), %


Net income (FY, 2016)

16.9 m

Market capitalization (21-Mar-2017)

446.8 m

Closing share price (21-Mar-2017)


Cash (31-Dec-2016)

50.9 m
Heritage Oaks Bancorp's current market capitalization is $446.8 m.
USDFY, 2013Y, 2014FY, 2015FY, 2016


45.4 m73.7 m68.1 m71.3 m

Revenue growth, %


Cost of goods sold

5.8 m5.7 m

Gross profit

62.3 m65.6 m

Gross profit Margin, %


Sales and marketing expense

1 m

R&D expense

2.4 m

General and administrative expense

6.5 m

Operating expense total

48.2 m51.3 m

Pre tax profit

24.2 m28 m

Income tax expense

8.9 m11.1 m

Net Income

10.8 m15.3 m16.9 m
USDFY, 2013FY, 2014FY, 2015FY, 2016


26.2 m35.6 m69.9 m50.9 m


37.8 m37.3 m36.1 m


24.9 m24.9 m24.9 m

Total Assets

1.2 b1.7 b1.9 b2 b

Accounts Payable

1.7 b

Total Liabilities

1.8 b

Additional Paid-in Capital

6 m7 m8.3 m9.3 m

Retained Earnings

18.7 m24.8 m32.2 m40.9 m

Total Equity

126.4 m197.9 m206.4 m212.9 m

Financial Leverage

9.5 x8.6 x9.2 x9.5 x
USDFY, 2013FY, 2014FY, 2015FY, 2016

Net Income

10.8 m9 m15.3 m16.9 m

Depreciation and Amortization

1.4 m1.8 m1 m944 k

Cash From Operating Activities

39.7 m20 m27.6 m

Cash From Investing Activities

(149.5 m)(58 m)(160.5 m)

Dividends Paid

(708 k)(8.2 m)

Cash From Financing Activities

47.4 m113.8 m

Interest Paid

3.8 m5 m5.6 m

Income Taxes Paid

2.1 m600 k6.9 m
USDY, 2016


367.8 k

Financial Leverage

9.5 x

Heritage Oaks Bancorp Market Value History

Heritage Oaks Bancorp Company Life and Culture

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