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Chino Commercial Bancorp
(OTC:CCBC)
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Rating:72Outperform
Price Target:
$20.50
▲(13.26% Upside)
Action:Reiterated
Date:09/18/26
The score is driven primarily by solid operating profitability and growth, partially offset by the notable step-up in 2025 leverage and cash-flow variability. Technicals are mildly positive with the stock trading above key moving averages, and valuation looks supportive with a low P/E.
Positive Factors
Revenue Growth
The company has more than doubled revenue over five years, indicating meaningful business expansion and customer or market development. This durable top-line growth can support continued investment, reinforce the bank’s regional presence, and provide a stronger base for future earnings generation.
Negative Factors
Higher Leverage
The sharp increase in leverage materially reduces financial flexibility and raises the balance-sheet risk associated with future stress. A more debt-intensive structure can constrain capital allocation, increase sensitivity to funding conditions, and leave less capacity to absorb deterioration in banking conditions.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth
The company has more than doubled revenue over five years, indicating meaningful business expansion and customer or market development. This durable top-line growth can support continued investment, reinforce the bank’s regional presence, and provide a stronger base for future earnings generation.
Read all positive factors
Chino Commercial Bancorp (CCBC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$70.71M
Dividend YieldN/A
Average Volume (3M)298.00
Price to Earnings (P/E)9.6
Beta (1Y)-0.23
Revenue Growth6.44%
EPS Growth16.30%
CountryUS
Employees35
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.92
Shares Outstanding3,854,364
10 Day Avg. Volume122
30 Day Avg. Volume298
Financial Highlights & Ratios
PEG Ratio0.57
Price to Book (P/B)0.94
Price to Sales (P/S)1.80
P/FCF Ratio11.30
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Chino Commercial Bancorp Business Overview & Revenue Model
Company Description
Chino Commercial Bancorp serves as the holding company for Chino Commercial Bank, N.A., which provides a diverse array of commercial banking services. Its primary clientele consists of individuals and small businesses, mainly operating within Sout...
Chino Commercial Bancorp Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
60
Neutral
Cash Flow
66
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 24.74M | 25.55M | 24.94M | 21.23M | 16.10M | 13.07M |
| Gross Profit | 19.60M | 18.99M | 16.62M | 15.47M | 14.86M | 12.18M |
| EBITDA | 8.62M | 8.53M | 7.45M | 7.18M | 6.91M | 4.67M |
| Net Income | 6.18M | 5.85M | 5.14M | 4.94M | 4.71M | 3.13M |
Balance Sheet | ||||||
| Total Assets | 468.34M | 494.16M | 466.68M | 446.41M | 399.84M | 378.51M |
| Cash, Cash Equivalents and Short-Term Investments | 10.95M | 45.88M | 45.26M | 35.50M | 36.44M | 135.59M |
| Total Debt | 33.09M | 73.09M | 13.09M | 28.09M | 28.09M | 28.09M |
| Total Liabilities | 418.04M | 445.42M | 423.97M | 408.93M | 367.49M | 348.92M |
| Stockholders Equity | 50.30M | 48.75M | 42.71M | 37.49M | 32.35M | 29.59M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 4.07M | 495.47K | 6.46M | 4.33M | 392.67K |
| Operating Cash Flow | 0.00 | 5.30M | 2.57M | 6.58M | 4.40M | 3.48M |
| Investing Cash Flow | 0.00 | -26.03M | -9.85M | -46.83M | -122.13M | 12.88M |
| Financing Cash Flow | 0.00 | 21.33M | 17.04M | 39.34M | 18.57M | 61.17M |
Chino Commercial Bancorp Technical Analysis
Positive
18.10
Price Trends
18.02
Positive
17.42
Positive
15.99
Positive
Market Momentum
0.10
Positive
55.81
Neutral
42.22
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CCBC, the sentiment is Positive. The current price of 18.1 is below the 20-day moving average (MA) of 18.27, above the 50-day MA of 18.02, and above the 200-day MA of 15.99, indicating a bullish trend. The MACD of 0.10 indicates Positive momentum. The RSI at 55.81 is Neutral, neither overbought nor oversold. The STOCH value of 42.22 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CCBC.
Chino Commercial Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
72 Outperform | $70.71M | 9.63 | 13.01% | ― | 6.44% | 16.30% | |
68 Neutral | $73.01M | 31.75 | 2.47% | ― | 0.82% | -2.26% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $81.33M | 9.44 | 7.13% | 2.51% | 4.91% | 127.20% | |
65 Neutral | $48.84M | 14.17 | 6.14% | 1.47% | 5.94% | 51.02% |
* Financial Sector Average
CCBC
Chino Commercial Bancorp
18.35
4.76
35.06%
ASRV
Ameriserv Financial
4.79
2.02
73.17%
FSEA
First Seacoast Bancorp
17.16
5.70
49.74%
TCBS
Texas Community
17.00
0.51
3.07%
CLST
Catalyst Bancorp
18.10
4.99
38.06%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.