CCBC Stock Overview

Operates as the bank holding company for Chino Commercial Bank, N.A. More details

CCBC fundamental analysis
Snowflake Score
Valuation	3/6
Future Growth	0/6
Past Performance	2/6
Financial Health	6/6
Dividends	0/6

Rewards

Trading at 54.5% below our estimate of its fair value

Risk Analysis

Shares are highly illiquid

Does not have a meaningful market cap ($43M)

My Notes

Capture your thoughts, links and company narrative

Chino Commercial Bancorp Competitors

Brunswick Bancorp

OTCPK:BRBW

US$45.5m

Home Loan Financial

OTCPK:HLFN

US$45.4m

Partners Bank of California

OTCPK:PBKX

US$44.3m

Eastern Michigan Financial

OTCPK:EFIN

US$45.9m

Price History & Performance

Summary of share price highs, lows and changes for Chino Commercial Bancorp
Historical stock prices
Current Share Price	US$13.52
52 Week High	US$13.95
52 Week Low	US$9.75
Beta	0.48
1 Month Change	2.42%
3 Month Change	12.67%
1 Year Change	32.55%
3 Year Change	24.80%
5 Year Change	43.15%
Change since IPO	856.47%

Recent updates

Shareholder Returns

	CCBC	US Banks	US Market
7D	-2.7%	-3.4%	-2.4%
1Y	32.5%	29.1%	23.4%

Return vs Industry: CCBC exceeded the US Banks industry which returned 29.1% over the past year.

Return vs Market: CCBC exceeded the US Market which returned 23.4% over the past year.

Price Volatility

Is CCBC's price volatile compared to industry and market?
CCBC volatility
CCBC Average Weekly Movement	n/a
Banks Industry Average Movement	5.2%
Market Average Movement	6.3%
10% most volatile stocks in US Market	16.8%
10% least volatile stocks in US Market	3.1%

Stable Share Price: CCBC's share price has been volatile over the past 3 months compared to the US market.

Volatility Over Time: Insufficient data to determine CCBC's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1999	n/a	Dann Bowman	www.chinocommercialbank.com

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 region of Southern California. The company’s deposit products include non-interest bearing deposits, money market accounts, NOW and savings accounts, and certificates of deposit accounts. It provides loan products, such as one-to-four family mortgage, residential mortgage, construction, commercial real estate, commercial business, and commercial and industrial loans, as well as loans to individuals for overdraft protection and personal lines of credit.

Chino Commercial Bancorp Fundamentals Summary

How do Chino Commercial Bancorp's earnings and revenue compare to its market cap?
CCBC fundamental statistics
Market cap	US$43.43m
Earnings (TTM)	US$4.97m
Revenue (TTM)	US$16.19m

8.7x

P/E Ratio

1.0x

P/B Ratio

Is CCBC overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
CCBC income statement (TTM)
Revenue	US$16.19m
Cost of Revenue	US$0
Gross Profit	US$16.19m
Other Expenses	US$11.22m
Earnings	US$4.97m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	1.55
Gross Margin	100.00%
Net Profit Margin	30.70%
Debt/Equity Ratio	128.3%

How did CCBC perform over the long term?

See historical performance and comparison

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/22 06:30
End of Day Share Price	2024/12/18 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Chino Commercial Bancorp is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution

Chino Commercial Bancorp OTCPK:CCBC Stock Report