Chino Commercial Bancorp (CCBC) AI Stock Analysis

Chino Commercial Bancorp

(Other OTC:CCBC)

Select Model

Rating:77.7Outperform

Price Target:$21.00▲(9.38% Upside)

Action:reiterated

Date:09/18/26

The overall score is driven primarily by resilient financial performance, with growing revenue, stable margins, and consistent ROE offset by higher 2025 leverage and cash flow volatility. Supportive technical trends, including price strength above key moving averages and constructive momentum, reinforce the rating, while an undemanding P/E multiple adds valuation appeal despite limited visibility on dividend income.

Positive Factors

Revenue GrowthThe 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 LeverageThe 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.

Chino Commercial Bancorp (CCBC) vs. SPDR S&P 500 ETF (SPY)

Market Cap: $73.23M
Dividend Yield: ―
Average Volume (3M): 995
Price to Earnings (P/E): 9.9
Beta (1Y): -0.24
Revenue Growth: 8.31%
EPS Growth: 16.64%
Country: US
Employees: 35
Sector: Financial
Sector Strength: 68
Industry: Banks - Regional

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 Souther...

Chino Commercial Bancorp Financial Statement Overview

Summary

Strong revenue growth from $11.9M in 2020 to $25.6M in 2025, stable net profit margin around the low-20% range and consistent ~12% ROE support solid profitability, while the 2025 leverage spike and volatile free cash flow introduce moderate risk.

Income Statement

82Very Positive

Balance Sheet

75Positive

Cash Flow

68Positive

Financial statement breakdown
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	4.07M	495.47K	6.46M	4.33M	392.67K
Operating Cash Flow	0	5.30M	2.57M	6.58M	4.40M	3.48M
Investing Cash Flow	0	-26.03M	-9.85M	-46.83M	-122.13M	12.88M
Financing Cash Flow	0	21.33M	17.04M	39.34M	18.57M	61.17M

Chino Commercial Bancorp Technical Analysis

Technical Analysis SentimentPositive

Last Price19.20

Price Trends

50DMA18.48Positive

100DMA18.14Positive

200DMA16.69Positive

Market Momentum

MACD0.13Negative

RSI74.42Negative

STOCH66.67Neutral

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 19.20 is above the 20-day moving average (MA) of 18.72, above the 50-day MA of 18.48, and above the 200-day MA of 16.69, indicating a bullish trend. The MACD of 0.13 indicates Negative momentum. The RSI at 74.42 is Negative, neither overbought nor oversold. The STOCH value of 66.67 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

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

CCBC against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CCBC	78Outperform	$74.00M	9.89	13.26%	―	8.31%	16.64%
ASRV	70Outperform	$83.42M	9.14	7.48%	2.44%	2.43%	75.47%
CLST	68Neutral	$69.99M	24.10	3.06%	―	31.73%	17.80%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
TCBS	65Neutral	$49.87M	14.34	6.14%	1.44%	5.94%	51.02%

* Financial Sector Average

Performance Comparison

CCBC and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
CCBC	Chino Commercial Bancorp	19.20	5.22	37.39%
ASRV	AmeriServ Financial, Inc.	4.91	1.88	62.15%
TCBS	Texas Community Bancshares, Inc.	17.36	1.57	9.94%
CLST	Catalyst Bancorp, Inc.	17.35	2.65	18.03%

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.

Date of analysis: Sep 18, 2026

Chino Commercial Bancorp AI Stock Analysis