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Chino Commercial Bancorp
(OTC:CCBC)
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Rating:82Outperform
Price Target:
$23.00
▲(29.94% Upside)
Action:Reiterated
Date:06/18/26
The overall score is driven primarily by solid financial performance, with sustained profitability, growing equity, and improving cash conversion offset by higher leverage and cash flow volatility. Technicals add support with a constructive uptrend and positive momentum signals, while a moderate P/E multiple without a dividend suggests a fair to slightly attractive valuation rather than a deep discount.
Positive Factors
Revenue Growth Trend
Multi-year revenue growth from ~$11.9M to ~$25.6M demonstrates durable top-line expansion and improved market penetration for a regional bank. This trend supports scaling of core banking activities (loans, deposits) and provides a broader earnings base to absorb shocks over the next several quarters.
Negative Factors
Rising Leverage
A sharp increase in leverage (debt-to-equity to ~1.50) materially elevates balance-sheet risk and lowers financial flexibility. Higher leverage makes the bank more sensitive to funding shocks or higher rates, can strain capital ratios, and limits management's ability to invest or grow conservatively over coming quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth Trend
Multi-year revenue growth from ~$11.9M to ~$25.6M demonstrates durable top-line expansion and improved market penetration for a regional bank. This trend supports scaling of core banking activities (loans, deposits) and provides a broader earnings base to absorb shocks over the next several quarters.
Read all positive factors
Chino Commercial Bancorp (CCBC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$68.90M
Dividend YieldN/A
Average Volume (3M)238.00
Price to Earnings (P/E)9.3
Beta (1Y)-0.24
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. Volume496
30 Day Avg. Volume238
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...
How the Company Makes Money
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Chino Commercial Bancorp Financial Statement Overview
Summary
Income Statement
82
Very Positive
Balance Sheet
75
Positive
Cash Flow
68
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
17.70
Price Trends
17.46
Positive
16.46
Positive
15.30
Positive
Market Momentum
0.11
Positive
51.92
Neutral
33.72
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 17.7 is below the 20-day moving average (MA) of 17.75, above the 50-day MA of 17.46, and above the 200-day MA of 15.30, indicating a bullish trend. The MACD of 0.11 indicates Positive momentum. The RSI at 51.92 is Neutral, neither overbought nor oversold. The STOCH value of 33.72 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 |
|---|---|---|---|---|---|---|---|
82 Outperform | $68.90M | 9.29 | 13.17% | ― | 6.44% | 16.30% | |
76 Outperform | $77.53M | 9.01 | 7.32% | 2.76% | 4.91% | 127.20% | |
68 Neutral | $69.13M | 29.93 | 2.48% | ― | 0.89% | -1.60% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $50.78M | 16.45 | 5.66% | 1.30% | 3.83% | 59.54% |
* Financial Sector Average
CCBC
Chino Commercial Bancorp
17.83
4.91
38.01%
ASRV
Ameriserv Financial
4.62
1.82
64.71%
FSEA
First Seacoast Bancorp
17.07
5.52
47.79%
TCBS
Texas Community
17.36
1.68
10.73%
CLST
Catalyst Bancorp
17.00
4.50
36.00%
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.