Chino Commercial Bancorp (CCBC)
OTHER OTC:CCBC
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Chino Commercial Bancorp
(OTC:CCBC)
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Rating:67Neutral
Price Target:
$18.00
▲(8.11% Upside)
Action:DowngradedDate:12/30/25
The score is driven primarily by solid profitability and a meaningfully de-risked balance sheet, tempered by a notable 2024 deterioration in cash flow conversion. Technicals are mildly bullish and valuation appears attractive on P/E, providing additional support.
Positive Factors
Revenue Growth
Consistent revenue growth indicates a strong market position and effective business strategies, supporting long-term expansion and profitability.
Negative Factors
Cash Flow Challenges
Low cash conversion efficiency can strain liquidity and limit the company's ability to reinvest in growth opportunities, affecting long-term sustainability.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth
Consistent revenue growth indicates a strong market position and effective business strategies, supporting long-term expansion and profitability.
Read all positive factors
Chino Commercial Bancorp (CCBC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$57.40M
Dividend YieldN/A
Average Volume (3M)238.00
Price to Earnings (P/E)9.4
Beta (1Y)-0.30
Revenue Growth2.97%
EPS Growth17.26%
CountryUS
Employees35
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.44
Shares Outstanding3,212,364
10 Day Avg. Volume496
30 Day Avg. Volume238
Financial Highlights & Ratios
PEG Ratio2.21
Price to Book (P/B)1.04
Price to Sales (P/S)1.78
P/FCF Ratio89.40
Enterprise Value/Market Cap2.27
Enterprise Value/Revenue5.50
Enterprise Value/Gross Profit7.20
Enterprise Value/Ebitda16.83
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Chino Commercial Bancorp Business Overview & Revenue Model
Company Description
Chino Commercial Bancorp (CCBC) is a financial services holding company headquartered in Chino, California. It primarily serves the banking needs of individuals and businesses in the region through its wholly-owned subsidiary, Chino Commercial Ban...
How the Company Makes Money
Chino Commercial Bancorp generates revenue primarily through the interest income earned from its loan portfolio, which includes commercial, residential, and consumer loans. Additionally, the bank earns non-interest income from service fees associa...
Chino Commercial Bancorp Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
70
Positive
Cash Flow
45
Neutral
| Breakdown | TTM | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 23.66M | 24.94M | 21.23M | 16.10M | 13.07M | 11.93M |
| Gross Profit | 18.07M | 16.62M | 15.47M | 14.86M | 12.18M | 11.05M |
| EBITDA | 7.73M | 7.45M | 7.18M | 6.91M | 4.67M | 4.02M |
| Net Income | 5.56M | 5.14M | 4.94M | 4.71M | 3.13M | 2.62M |
Balance Sheet | ||||||
| Total Assets | 481.98M | 466.68M | 446.41M | 399.84M | 378.51M | 314.84M |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 45.26M | 35.50M | 36.44M | 135.59M | 58.08M |
| Total Debt | 63.09M | 13.09M | 28.09M | 28.09M | 28.09M | 28.09M |
| Total Liabilities | 436.62M | 423.97M | 408.93M | 367.49M | 348.92M | 287.62M |
| Stockholders Equity | 45.36M | 42.71M | 37.49M | 32.35M | 29.59M | 27.22M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 495.47K | 6.46M | 4.33M | 392.67K | 3.99M |
| Operating Cash Flow | 0.00 | 2.57M | 6.58M | 4.40M | 3.48M | 4.08M |
| Investing Cash Flow | 0.00 | -9.85M | -46.83M | -122.13M | 12.88M | -65.34M |
| Financing Cash Flow | 0.00 | 17.04M | 39.34M | 18.57M | 61.17M | 82.56M |
Chino Commercial Bancorp Technical Analysis
Positive
16.65
Price Trends
17.66
Positive
17.23
Positive
16.60
Positive
Market Momentum
0.05
Positive
52.37
Neutral
44.59
Neutral
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 16.65 is below the 20-day moving average (MA) of 17.80, below the 50-day MA of 17.66, and above the 200-day MA of 16.60, indicating a bullish trend. The MACD of 0.05 indicates Positive momentum. The RSI at 52.37 is Neutral, neither overbought nor oversold. The STOCH value of 44.59 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $64.73M | 32.15 | 2.53% | ― | 76.66% | ― | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $57.40M | 9.44 | 13.17% | ― | 2.97% | 17.26% | |
64 Neutral | $62.94M | 9.39 | 4.93% | 3.87% | 6.89% | ― | |
64 Neutral | $49.34M | 17.24 | 5.34% | 1.10% | 12.12% | ― |
* Financial Sector Average
CCBC
Chino Commercial Bancorp
17.87
2.87
19.13%
ASRV
Ameriserv Financial
3.71
1.63
78.28%
FSEA
First Seacoast Bancorp
12.12
1.11
10.04%
TCBS
Texas Community
17.10
1.60
10.32%
CLST
Catalyst Bancorp
15.95
4.90
44.34%
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.