OTC · Banks - Regional

Chino Commercial Bancorp (CCBC) Stock

$17.70 -0.28% OTC: CCBC Financial Services

Chino Commercial Bancorp serves as the holding company for Chino Commercial Bank, N.A., which provides a diverse array of commercial banking services. Its primary clientele consists of individuals and small businesses, mainly operating within Southern California's Inland Empire region.

Valuation

MetricValue
Price$17.70
Market Cap$56.85M
P/E Ratio9.27
P/B Ratio1.30
P/S Ratio2.12
EPS (TTM)$1.91
52-Week High$19.99
52-Week Low$12.71
Dividend Yield0.00%

Financials & Margins

MetricValue
ROE13.01%
ROA1.24%
ROCE1.73%
Gross Margin74.86%
Operating Margin33.54%
Net Margin24.09%
Debt/Equity1.40
Current Ratio0.12

Annual Financials (USD)

Metric20212022202320242025
Revenue$13.0M$16.0M$21.0M$25.0M$26.0M
Operating Profit$4.0M$7.0M$7.0M$7.0M$8.0M
Net Profit$3.0M$5.0M$5.0M$5.0M$6.0M
EPS$0.97$1.47$1.54$1.60$1.82
Op Margin33.2%40.9%32.5%28.7%31.9%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$379.0M$400.0M$446.0M$467.0M$494.0M
Total Liabilities$349.0M$367.0M$409.0M$424.0M$445.0M
Cash$136.0M$36.0M$36.0M$45.0M$46.0M
Borrowings$28.0M$28.0M$28.0M$13.0M$73.0M

Latest News

Chino Commercial Bancorp Reports 18% Increase In Second Quarter Earnings GlobeNewswire · Jul 17, 2026 Chino Commercial Bancorp Announces 20% Stock Dividend GlobeNewswire · May 22, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$3.0M$4.0M$7.0M$3.0M$5.0M
Investing Cash Flow$10.0M$-122.0M$-47.0M$-12.0M$-27.0M
Financing Cash Flow$61.0M$19.0M$-18.0M$29.0M$21.0M
Net Cash Flow$78.0M$-99.0M$-1.0M$10.0M$1.0M
Free Cash Flow$0$4.0M$6.0M$0$4.0M

Valuation & Return Ratios

MetricValue
PEG Ratio0.84
EV / EBITDA
FCF Yield
Quick Ratio
Interest Coverage
Return 1Y37.92%
Return 3Y87.14%
Return 5Y

Ownership

Insiders Held0.00%
Institutions Held7.14%
Institutions Float Held7.14%
Institutional HolderSharesReport Date
Siena Capital Partners GP, LLC275,0952026-03-31

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
BSPABallston Spa Bancorp, Inc. $76.80 +0.00% 16.38 $57.04M 1.72%
FMFGFarmers and Merchants Bancshares, Inc. $19.01 +0.00% 17.77 $61.51M 3.79%
FRSBFirst Resource Bancorp Inc. $25.76 +0.35% 7.88 $79.49M 0.54%
GSBXGolden State Bancorp $38.35 +0.00% 10.59 $70.43M 0.00%
HBSIHighlands Bankshares, Inc. $48.00 +0.52% 10.06 $64.18M 4.00%

About Chino Commercial Bancorp

Chino Commercial Bancorp serves as the holding company for Chino Commercial Bank, N.A., which provides a diverse array of commercial banking services. Its primary clientele consists of individuals and small businesses, mainly operating within Southern California's Inland Empire region. The bank offers various deposit options, including non-interest-bearing accounts, money market accounts, standard checking and savings accounts, certificates of deposit (CDs), and individual retirement accounts (IRAs). In terms of financing, it extends numerous commercial loan products such as lines of credit, letters of credit, term loans, equipment loans, and commercial real estate financing. Additionally, it supports businesses with accounts receivable funding, factoring, equipment leasing, and other working capital solutions. For individual customers, the bank offers auto loans, home equity and home improvement lines of credit, and personal lines of credit. Its comprehensive real estate lending portfolio includes construction loans, lot loans, and home mortgages. It also encompasses specialized commercial real estate financing, such as mini-perm loans and conduit sales, as well as services related to residential real estate brokerage. Beyond its core banking and lending activities, Chino Commercial Bank provides a suite of additional services: credit and debit cards, cashier's checks, courier service, direct deposit, remote deposit capture, e-statements, electronic tax payments, night depository, notary services, safe deposit boxes, savings bonds, wire transfers, stop payment services, and comprehensive cash management solutions. Customers can also access banking services through online, telephone, and mobile platforms. The Bancorp maintains full-service banking centers in several California cities: Chino, Ontario, Rancho Cucamonga, and Upland. Chino Commercial Bancorp was established in 1999 and its corporate headquarters are situated in Chino, California.

Chino Commercial Bancorp is headquartered in US.

Chino Commercial Bancorp (CCBC) stock trades at $17.70 with a market capitalization of $56.85M. The stock is valued at a price-to-earnings (P/E) ratio of 9.27, price-to-book of 1.30, price-to-sales of 2.12. Over the past 52 weeks the stock has ranged between $12.71 and $19.99, and currently trades 11.5% below its 52-week high.

On profitability, Chino Commercial Bancorp generates a return on equity (ROE) of 13.01%, above the typical market average, return on capital employed of 1.73%, an operating margin of 33.54%, a net profit margin of 24.09%.

Official website: www.chinocommercialbank.com

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