Chino Commercial Bancorp (CCBC) AI Stock Analysis

• Market Cap: $56.22M
• Dividend Yield: N/A
• Average Volume (3M): 238.00
• Price to Earnings (P/E): 9.6
• Beta (1Y): -0.32
• Revenue Growth: 2.97%
• EPS Growth: 17.26%
• Country: US
• Employees: 35
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.44
• Shares Outstanding: 3,212,364
• 10 Day Avg. Volume: 496
• 30 Day Avg. Volume: 238
• PEG Ratio: 2.21
• Price to Book (P/B): 1.04
• Price to Sales (P/S): 1.78
• P/FCF Ratio: 89.40
• Enterprise Value/Market Cap: 2.30
• Enterprise Value/Revenue: 5.47
• Enterprise Value/Gross Profit: 7.16
• Enterprise Value/Ebitda: 16.72
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 67 Neutral
• Price Target: $18.00 ▲(8.11% Upside)
• Action: Downgraded Date: 12/30/25
• Date: Action: Downgraded 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.

Balance Sheet Health

Improved debt-to-equity ratio reflects reduced leverage, enhancing financial stability and providing greater flexibility for future investments.

Profitability

Strong profit margins demonstrate efficient operations and pricing power, contributing to sustainable profitability and competitive advantage.

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.

Operational Efficiency

Decreasing operational margins suggest pressure on efficiency, which could impact profitability if not addressed, potentially hindering future growth.

Free Cash Flow Volatility

Volatile free cash flow can create uncertainty in financial planning and limit the company's ability to fund new initiatives or manage debt effectively.

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 Bank. CCBC operates within the banking sector, offering a range of financial products and services including personal and business checking and savings accounts, loans, mortgage services, and treasury management. The bank focuses on providing personalized, community-oriented banking solutions to enhance the financial well-being of its clients.

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 associated with account maintenance, transaction processing, and other banking services. The company may also generate revenue through investment securities and gains from the sale of loans. Key partnerships with local businesses and community organizations help CCBC expand its customer base and enhance its lending capabilities, contributing to its overall earnings.

Chino Commercial Bancorp Financial Statement Overview

Summary

Income statement strength (revenue up long-term and back to +9.3% in 2024; ~20.6% net margin) and a materially improved balance sheet (debt-to-equity ~0.31, equity growth) are offset by a key risk: 2024 cash conversion weakened sharply (FCF ~0.5M vs. net income ~5.1M), raising earnings-quality concerns.

Income Statement

Revenue has grown over the long run (from ~$11.4M in 2019 to ~$24.9M in 2024), with a return to growth in 2024 (+9.3% after a slight decline in 2023). Profitability remains solid with 2024 net margin around 20.6% and net income rising to ~$5.1M. However, margins have stepped down versus 2023 (net margin ~31.9% in 2023), suggesting some pressure on profitability despite higher revenue.

Balance Sheet

Leverage improved materially in 2024 as total debt fell to ~$13.1M and debt-to-equity declined to ~0.31 (down sharply from ~2.27 in 2023), strengthening the capital position. Equity has steadily grown (to ~$42.7M in 2024) alongside expanding assets (~$466.7M). Return on equity remains healthy around 12.0% in 2024, though slightly below the 2022–2023 range, indicating profitability on capital is good but not accelerating.

Cash Flow

Cash generation weakened in 2024: operating cash flow dropped to ~$2.6M and free cash flow fell to ~$0.5M, covering only ~19% of net income (down from ~98% in 2022–2023). This suggests earnings quality and/or working-capital-related cash conversion was meaningfully weaker in the latest year. Prior years show stronger free cash flow performance, but the 2024 step-down is a notable risk signal.

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

• Technical Analysis Sentiment: Positive
• Last Price: 16.65
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: 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 17.37, below the 50-day MA of 17.09, and above the 200-day MA of 16.15, indicating a neutral trend. The MACD of 0.07 indicates Positive momentum. The RSI at 49.89 is Neutral, neither overbought nor oversold. The STOCH value of 30.44 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
CCBC	67 Neutral	$56.22M	9.62	13.17%	―	2.97%	17.26%
ASRV	66 Neutral	$61.46M	11.02	4.54%	3.87%	6.89%	―
CLST	65 Neutral	$69.27M	29.92	2.72%	―	76.66%	―
TCBS	55 Neutral	$49.04M	19.70	4.74%	1.10%	12.12%	―