Chino Commercial Bancorp operates as the bank holding company for Chino Commercial Bank, N.A.
Flawless balance sheet and fair value.
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
Stable Share Price: CCBC has not had significant price volatility in the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: CCBC underperformed the US Banks industry which returned -23.5% over the past year.
Return vs Market: CCBC underperformed the US Market which returned 14.9% over the past year.
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
Is Chino Commercial Bancorp undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: CCBC ($9.65) is trading below our estimate of fair value ($11.73)
Significantly Below Fair Value: CCBC is trading below fair value, but not by a significant amount.
Price To Earnings Ratio
PE vs Industry: CCBC is good value based on its PE Ratio (8.9x) compared to the US Banks industry average (9.6x).
PE vs Market: CCBC is good value based on its PE Ratio (8.9x) compared to the US market (17.8x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate CCBC's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: CCBC's PB Ratio (0.8x) is in line with the US Banks industry average.
How is Chino Commercial Bancorp forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Forecasted Banks industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Chino Commercial Bancorp has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
- Examine whether Chino Commercial Bancorp is trading at an attractive price based on how much it is expected to earn in the future, and relative to its industry peers and the wider market.
- While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on theOTC Markets Website. If you are looking for more of a qualitative research into the company, you can access Chino Commercial Bancorp's filings and announcementshere.
- Explore growth companies in the Banks industry.
How has Chino Commercial Bancorp performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: CCBC has high quality earnings.
Growing Profit Margin: CCBC's current net profit margins (24%) are lower than last year (27%).
Past Earnings Growth Analysis
Earnings Trend: CCBC's earnings have grown by 16.5% per year over the past 5 years.
Accelerating Growth: CCBC's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: CCBC had negative earnings growth (-7.6%) over the past year, making it difficult to compare to the Banks industry average (-2.8%).
Return on Equity
High ROE: CCBC's Return on Equity (9.3%) is considered low.
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
Financial Institutions Analysis
Asset Level: CCBC's Assets to Equity ratio (11.7x) is moderate.
Allowance for Bad Loans: CCBC has a sufficient allowance for bad loans (2178%).
Low Risk Liabilities: 87% of CCBC's liabilities are made up of primarily low risk sources of funding.
Loan Level: CCBC has an appropriate level of Loans to Assets ratio (60%).
Low Risk Deposits: CCBC's Loans to Deposits ratio (75%) is appropriate.
Level of Bad Loans: CCBC has an appropriate level of bad loans (0.1%).
What is Chino Commercial Bancorp current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Notable Dividend: Unable to evaluate CCBC's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate CCBC's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if CCBC's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if CCBC's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of CCBC's dividend in 3 years as they are not forecast to pay a notable one for the US market.
How experienced are the management team and are they aligned to shareholders interests?
Average board tenure
Dann Bowman (60 yo)
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
Compensation vs Market: Dann's total compensation ($USD0.00) is below average for companies of similar size in the US market ($USD607.19K).
Compensation vs Earnings: Dann's compensation has been consistent with company performance over the past year.
|Corporate Secretary & Director||14.58yrs||US$14.52k||no data|
|Independent Director||14.58yrs||US$12.96k||no data|
|Independent Director||14.58yrs||US$14.64k||no data|
|Independent Chairman of the Board||14.58yrs||US$20.28k||no data|
|Independent Director||14.58yrs||US$12.84k||no data|
|Independent Director||3.42yrs||US$9.54k||no data|
|Director||1.67yrs||no data||no data|
Experienced Board: CCBC's board of directors are seasoned and experienced ( 14.6 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Chino Commercial Bancorp's company bio, employee growth, exchange listings and data sources
- Name: Chino Commercial Bancorp
- Ticker: CCBC
- Exchange: OTCPK
- Founded: 1999
- Industry: Regional Banks
- Sector: Banks
- Market Cap: US$21.527m
- Shares outstanding: 2.23m
- Website: https://www.chinocommercialbank.com
- Chino Commercial Bancorp
- 14245 Pipeline Avenue
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|CCBC||OTCPK (Pink Sheets LLC)||Yes||Common Shares||US||USD||Nov 2000|
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
|Data||Last Updated (UTC time)|
|Company Analysis||2020/08/04 00:49|
|End of Day Share Price||2020/07/30 00:00|
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.