OTCPK:CCBC

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Chino Commercial Bancorp

Executive Summary

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


Snowflake Analysis

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.


Market Performance


7 Day Return

4.3%

CCBC

-0.7%

US Banks

1.3%

US Market


1 Year Return

-31.1%

CCBC

-23.5%

US Banks

14.9%

US Market

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.


Shareholder returns

CCBCIndustryMarket
7 Day4.3%-0.7%1.3%
30 Day2.7%2.6%4.7%
90 Day1.0%4.8%17.1%
1 Year-31.1%-31.1%-20.8%-23.5%17.3%14.9%
3 Year-8.9%-8.9%-15.5%-22.2%38.9%29.9%
5 Year27.7%27.7%8.5%-4.7%71.3%52.8%

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 compared to its fair value and its price relative to the market?

17.7%

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.


Next Steps

Future Growth

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

26.6%

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.


Next Steps

  • 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.

Past Performance

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

16.5%

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.


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

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%).


Next Steps

Dividend

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.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

14.6yrs

Average board tenure


CEO

Dann Bowman (60 yo)

14.42yrs

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

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.


Board Members

NamePositionTenureCompensationOwnership
Dann Bowman
President14.42yrsUS$280.40kno data
Jeanette Young
Corporate Secretary & Director14.58yrsUS$14.52kno data
Linda Cooper
Independent Director14.58yrsUS$12.96kno data
Richard Malooly
Independent Director14.58yrsUS$14.64kno data
Bernard Wolfswinkel
Independent Chairman of the Board14.58yrsUS$20.28kno data
Thomas Woodbury
Independent Director14.58yrsUS$12.84kno data
Julio Cardenas
Independent Director3.42yrsUS$9.54kno data
Kenneth McElvany
Director1.67yrsno datano data

14.6yrs

Average Tenure

68yo

Average Age

Experienced Board: CCBC's board of directors are seasoned and experienced ( 14.6 years average tenure).


Ownership

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.


Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

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$21.527m
  • Shares outstanding: 2.23m
  • Website: https://www.chinocommercialbank.com

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 Analysis2020/08/04 00:49
End of Day Share Price2020/07/30 00:00
Earnings2020/06/30
Annual Earnings2019/12/31


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.