OTCPK:CCBC

Stock Analysis Report

Chino Commercial Bancorp

Executive Summary

Chino Commercial Bancorp operates as the bank holding company for Chino Commercial Bank, N.A.

Snowflake

Fundamentals

Flawless balance sheet with proven track record.

Risks

  • Chino Commercial Bancorp is not covered by any analysts.

Share Price & News

How has Chino Commercial Bancorp's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0%

OTCPK:CCBC

-2.6%

US Banks

-1.0%

US Market


1 Year Return

-6.7%

OTCPK:CCBC

-14.2%

US Banks

-0.4%

US Market

CCBC outperformed the Banks industry which returned -14.2% over the past year.

CCBC underperformed the Market in United States of America which returned -0.4% over the past year.


Share holder returns

CCBCIndustryMarket
7 Day0%-2.6%-1.0%
30 Day0%-6.3%-3.3%
90 Day5.0%-3.5%0.8%
1 Year-6.7%-6.7%-11.8%-14.2%1.9%-0.4%
3 Year43.0%43.0%42.2%32.4%39.4%30.4%
5 Year77.7%77.7%53.3%36.7%54.2%37.1%

Price Volatility Vs. Market

How volatile is Chino Commercial Bancorp's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Chino Commercial Bancorp undervalued based on future cash flows and its price relative to the stock market?

12.08x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Chino Commercial Bancorp's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

Chino Commercial Bancorp's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

Chino Commercial Bancorp is good value based on earnings compared to the US Banks industry average.

Chino Commercial Bancorp is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for Chino Commercial Bancorp, we can't assess if its growth is good value.


Price Based on Value of Assets

Chino Commercial Bancorp is overvalued based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is Chino Commercial Bancorp expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

5.7%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if Chino Commercial Bancorp is high growth as no revenue estimate data is available.

Chino Commercial Bancorp's earnings are expected to grow by 5.7% yearly, however this is not considered high growth (20% yearly).

Unable to compare Chino Commercial Bancorp's revenue growth to the United States of America market average as no estimate data is available.

Chino Commercial Bancorp's earnings growth is positive but not above the United States of America market average.

Chino Commercial Bancorp's earnings growth is expected to exceed the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if Chino Commercial Bancorp will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has Chino Commercial Bancorp performed over the past 5 years?

15.3%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Chino Commercial Bancorp's year on year earnings growth rate has been positive over the past 5 years.

Chino Commercial Bancorp's 1-year earnings growth exceeds its 5-year average (46.3% vs 15.3%)

Chino Commercial Bancorp's earnings growth has exceeded the US Banks industry average in the past year (46.3% vs 33.2%).


Return on Equity

Chino Commercial Bancorp has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Chino Commercial Bancorp used its assets more efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if Chino Commercial Bancorp improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

How is Chino Commercial Bancorp's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

Chino Commercial Bancorp has an acceptable proportion of non-loan assets held.

Chino Commercial Bancorp has a sufficient allowance for bad loans.

Chino Commercial Bancorp's liabilities are made up of primarily low risk sources of funding.

Chino Commercial Bancorp's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).

Loans at Chino Commercial Bancorp are broadly funded by customer deposits.

Chino Commercial Bancorp has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

What is Chino Commercial Bancorp's current dividend yield, its reliability and sustainability?


Dividend Yield and Payments Analysis

Unable to evaluate Chino Commercial Bancorp's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.

Unable to evaluate Chino Commercial Bancorp's dividend against the top 25% market benchmark as the company has not reported any payouts.

Unable to perform a dividend volatility check as Chino Commercial Bancorp has not reported any payouts.

Unable to verify if Chino Commercial Bancorp's dividend has been increasing as the company has not reported any payouts.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as Chino Commercial Bancorp has not reported any payouts.


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of Chino Commercial Bancorp's salary, the management and board of directors tenure and is there insider trading?

13.6yrs

Average board tenure


CEO

Dann Bowman (59yo)

13.4yrs

Tenure

US$280,399

Compensation

Mr. Dann H. Bowman has served as President, Chief Executive Officer and a Director of Chino Commercial Bank, N.A., and of Chino Commercial Bancorp since their formations in 2000 and 2006, respectively. Mr. ...


CEO Compensation Analysis

Insufficient data for Dann to establish whether their remuneration is reasonable compared to companies of similar size in United States of America.

Dann's compensation has been consistent with company performance over the past year, both up more than 20%.


Board Age and Tenure

13.6yrs

Average Tenure

69.5yo

Average Age

The average tenure for the Chino Commercial Bancorp board of directors is over 10 years, this suggests they are a seasoned and experienced board.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Dann Bowman (59yo)

    President

    • Tenure: 13.4yrs
    • Compensation: $280.40k
  • Roger Caberto (72yo)

    Senior VP & Chief Credit Officer

    • Compensation: $136.57k
  • Jeanette Young (67yo)

    Corporate Secretary & Director

    • Compensation: $14.52k
  • Melinda Milincu (38yo)

    VP & CFO

    • Tenure: 4.7yrs
    • Compensation: $107.27k

Board Members

  • Jeanette Young (67yo)

    Corporate Secretary & Director

    • Tenure: 13.6yrs
    • Compensation: $14.52k
  • Kenneth McElvany

    Director

    • Tenure: 0.7yrs
  • Corky Kindsvater (81yo)

    Vice Chairman of the Board

    • Tenure: 13.6yrs
    • Compensation: $18.12k
  • Julio Cardenas (51yo)

    Director

    • Tenure: 2.4yrs
    • Compensation: $9.54k
  • Linda Cooper (72yo)

    Director

    • Tenure: 13.6yrs
    • Compensation: $12.96k
  • Richard Malooly (80yo)

    Director

    • Tenure: 13.6yrs
    • Compensation: $14.64k
  • Bernie Wolfswinkel (86yo)

    Chairman of the Board

    • Tenure: 13.6yrs
    • Compensation: $20.28k
  • Thomas Woodbury (60yo)

    Director

    • Tenure: 13.6yrs
    • Compensation: $12.84k
  • Dann Bowman (59yo)

    President

    • Tenure: 13.6yrs
    • Compensation: $280.40k

Company Information

Chino Commercial Bancorp's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Chino Commercial Bancorp
  • Ticker: CCBC
  • Exchange: OTCPK
  • Founded: 1999
  • Industry: regional banks
  • Sector: banks
  • Market Cap: US$31.233m
  • Shares outstanding: 2.23m
  • Website: Click here

Number of Employees


Location

  • Chino Commercial Bancorp
  • 14245 Pipeline Avenue
  • Chino
  • California
  • 91710
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
CCBCOTCPK (Pink Sheets LLC)YesCommon SharesUSUSDNov 2000

Biography

Chino Commercial Bancorp operates as the bank holding company for Chino Commercial Bank, N.A. that provides commercial banking services to individuals and small businesses primarily in the Inland Empire re ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/18 00:06
End of Day Share Price2019/08/15 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.