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 Financials and Metrics

Heritage Oaks Bancorp Financials

Heritage Oaks Bancorp's revenue was reported to be $71.3 m in FY, 2016

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 (31-Mar-2017)

454.6 m

Cash (31-Dec-2016)

50.9 m
Heritage Oaks Bancorp's current market capitalization is $454.6 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
USDQ3, 2013Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016


13.9 m19.9 m19.9 m19 m19.8 m20.4 m20.3 m21 m

Cost of goods sold

1 m1.3 m1.4 m1.5 m1.6 m1.4 m1.4 m1.4 m

Gross profit

12.9 m18.6 m18.5 m17.5 m18.2 m19 m18.9 m19.6 m

Gross profit Margin, %

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
USDQ3, 2013Q1, 2014Q2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016


33.3 m50.8 m75.5 m129 m112.3 m53.6 m56 m65.3 m


24.1 m36.9 m38 m37.7 m36.8 m36.6 m36.4 m


24.5 m24.9 m24.9 m24.9 m24.9 m24.9 m24.9 m

Total Assets

1.2 b1.7 b1.8 b1.8 b1.9 b1.9 b2 b2 b
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)
USDQ3, 2013Q1, 2014Q2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016

Net Income

2.8 m3.4 m4.1 m3.8 m4 m4 m4.2 m4.2 m

Depreciation and Amortization

297 k262 k262 k263 k243 k243 k244 k
USDY, 2016


367.8 k

Financial Leverage

9.5 x
Show all financial metrics

Heritage Oaks Bancorp Operating Metrics

Heritage Oaks Bancorp's Total Loans Issued was reported to be $1.3 b in Q2, 2017
FY, 2014Q1, 2015Q2, 2015Q3, 2015FY, 2015Q1, 2016Q2, 2016Q3, 2016FY, 2016Q1, 2017Q2, 2017

Bank Branches


Total Loans Issued

$1.19 b$1.1 b$1.15 b$1.21 b$1.25 b$1.19 b$1.21 b$1.29 b$1.33 b$1.33 b$1.34 b

Non-performing Loans

$10.54 m$11.41 m$10.27 m$11.85 m$7.82 m$11.58 m$10.16 m$8.17 m$6.84 m$6.82 m$4.88 m
Show all operating metrics

Heritage Oaks Bancorp Market Value History

Heritage Oaks Bancorp's Web-traffic and Trends

Heritage Oaks Bancorp Company Life and Culture

You may also be interested in