Chino Commercial Bancorp (CCBC)
OTHER OTC:CCBC
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Chino Commercial Bancorp
(OTC:CCBC)
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Rating:72Outperform
Price Target:
$21.50
▲(29.13% Upside)
Action:Upgraded
Date:04/27/26
The score is driven primarily by solid fundamental profitability and growth, tempered by a meaningful step-up in balance-sheet leverage and some cash-flow variability. Technicals are supportive with a clear uptrend and positive MACD, while valuation is favorable due to the low P/E, though momentum appears somewhat stretched with RSI near 70.
Positive Factors
Multi-year Revenue Growth
Sustained revenue growth more than doubled top-line over five years, indicating expanding customer penetration and scale. That durable expansion supports recurring net interest and fee income, enabling reinvestment in products and lending capacity over the medium term.
Negative Factors
Rising Leverage
A sharp jump in leverage materially raises balance-sheet risk and reduces financial flexibility. Higher debt levels increase sensitivity to funding-cost rises, constrain capital management options, and elevate the risk of pressure on credit ratings or covenant limits in tighter markets.
Read all positive and negative factors
Positive Factors
Negative Factors
Multi-year Revenue Growth
Sustained revenue growth more than doubled top-line over five years, indicating expanding customer penetration and scale. That durable expansion supports recurring net interest and fee income, enabling reinvestment in products and lending capacity over the medium term.
Read all positive factors
Chino Commercial Bancorp (CCBC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$63.93M
Dividend YieldN/A
Average Volume (3M)238.00
Price to Earnings (P/E)10.5
Beta (1Y)-0.28
Revenue Growth5.46%
EPS Growth17.82%
CountryUS
Employees35
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.72
Shares Outstanding3,212,364
10 Day Avg. Volume496
30 Day Avg. Volume238
Financial Highlights & Ratios
PEG Ratio0.69
Price to Book (P/B)1.13
Price to Sales (P/S)2.16
P/FCF Ratio13.57
Enterprise Value/Market Cap1.35
Enterprise Value/Revenue3.65
Enterprise Value/Gross Profit4.78
Enterprise Value/Ebitda11.17
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 (CCBC) is a financial services holding company headquartered in Chino, California. It primarily serves the banking needs of individuals and businesses in the region through its wholly-owned subsidiary, Chino Commercial Ban...
How the Company Makes Money
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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 | 23.66M | 25.55M | 24.94M | 21.23M | 16.10M | 13.07M |
| Gross Profit | 18.07M | 18.99M | 16.62M | 15.47M | 14.86M | 12.18M |
| EBITDA | 7.73M | 8.16M | 7.45M | 7.18M | 6.91M | 4.67M |
| Net Income | 5.56M | 5.85M | 5.14M | 4.94M | 4.71M | 3.13M |
Balance Sheet | ||||||
| Total Assets | 481.98M | 494.16M | 466.68M | 446.41M | 399.84M | 378.51M |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 0.00 | 45.26M | 35.50M | 36.44M | 135.59M |
| Total Debt | 63.09M | 73.09M | 13.09M | 28.09M | 28.09M | 28.09M |
| Total Liabilities | 436.62M | 445.42M | 423.97M | 408.93M | 367.49M | 348.92M |
| Stockholders Equity | 45.36M | 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
16.65
Price Trends
18.92
Positive
18.22
Positive
17.33
Positive
Market Momentum
0.27
Negative
61.88
Neutral
85.26
Negative
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 16.65 is below the 20-day moving average (MA) of 19.50, below the 50-day MA of 18.92, and below the 200-day MA of 17.33, indicating a bullish trend. The MACD of 0.27 indicates Negative momentum. The RSI at 61.88 is Neutral, neither overbought nor oversold. The STOCH value of 85.26 is Negative, 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 | $63.93M | 10.50 | 13.17% | ― | 5.46% | 17.82% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
63 Neutral | $64.63M | 27.49 | 2.48% | ― | -0.66% | -1.32% | |
61 Neutral | $63.45M | 11.51 | 4.72% | 3.87% | 4.99% | 50.85% | |
58 Neutral | $48.76M | 16.07 | 5.34% | 1.10% | 3.83% | 59.54% |
* Financial Sector Average
CCBC
Chino Commercial Bancorp
19.90
5.02
33.74%
ASRV
Ameriserv Financial
3.74
0.95
33.86%
FSEA
First Seacoast Bancorp
16.81
5.45
47.98%
TCBS
Texas Community
16.90
1.17
7.46%
CLST
Catalyst Bancorp
15.95
3.87
32.04%
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.