CCCB Bancorp, Inc. (CCYY)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
CCCB Bancorp, Inc. (CCYY) trades at $10.38 with AI Score 46/100 (Grade C). CCCB Bancorp, Inc. is a bank holding company operating through Clarion County Community Bank, providing retail and commercial financial services in Pennsylvania. Market cap: $15.95M, Sector: Financial services.
Price live · AI analysis from Mar 15, 2026Analyst Coverage for CCYY: CCYY does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates CCYY against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
CCYY: the 1 perspectives are evenly split.
How is this calculated? →CCCB Bancorp, Inc. (CCYY) Financial Services Profile
CCCB Bancorp, Inc., established in 2004, operates as a community-focused bank providing retail and commercial financial services within Pennsylvania. With a market capitalization of $15.95M and a dividend yield of 1.75%, the bank maintains a traditional banking model amidst a competitive regional landscape.
What Is the Investment Thesis for CCYY?
CCCB Bancorp, Inc. presents a niche investment opportunity within the regional banking sector. With a market capitalization of $15.95M and a P/E ratio of 18.9, the company's valuation reflects its current profitability and growth prospects. A dividend yield of 1.75% offers a modest income stream for investors. Growth catalysts include expanding its loan portfolio within its existing geographic footprint and enhancing its digital banking services to attract and retain customers. However, potential risks include the competitive banking landscape in Pennsylvania and the impact of interest rate fluctuations on its net interest margin. The company's ability to maintain its 2.3% profit margin and adapt to changing customer preferences will be crucial for long-term success. Investors should monitor the bank's asset quality, deposit growth, and efficiency ratio to assess its financial health and operational performance.
Based on FMP financials and quantitative analysis
CCYY Key Highlights
- Market capitalization of $15.95M reflects its size within the regional banking sector.
- P/E ratio of 18.9 indicates the price investors are willing to pay for each dollar of earnings.
- Profit margin of 2.3% shows the percentage of revenue that turns into profit after all expenses.
- Gross margin of 100.0% indicates that the company's revenue is equal to its gross profit.
- Dividend yield of 1.75% provides a return to shareholders in the form of cash dividends.
Who Are CCYY's Competitors?
CCYY is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| ASCN Absecon Bancorp | $116.00 | +0.00% | $12.70M | 52 |
| CAIB California International Bank, N.A. | $0.19 | +137.50% | $32.39M | 45 |
| CBFC CNB Financial Services, Inc. | $50.00 | +0.00% | $18.99M | 44 |
| EBSH Empire Bancshares, Inc. | $41.00 | -0.24% | $27.11M | 48 |
| FIDS FNB, Inc. | $26.00 | +0.00% | $17.37M | 51 |
| MCHB Mechanics Bank | $16.21 | +0.31% | 4B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are CCYY's Key Strengths?
- Strong local presence and community relationships.
- Diversified loan portfolio.
- Traditional banking model with established customer base.
What Are CCYY's Weaknesses?
- Limited geographic reach.
- Smaller scale compared to larger regional banks.
- Reliance on traditional banking services.
What Could Drive CCYY Stock Higher?
- Expansion of digital banking services to attract and retain customers.
- Strategic partnerships with local businesses to drive customer acquisition.
- Diversification of product offerings beyond traditional banking services.
What Are the Key Risks for CCYY?
- Competition from larger regional and national banks.
- Impact of interest rate fluctuations on net interest margin.
- Regulatory changes and compliance costs.
- Limited financial disclosure due to OTC listing.
- Lower liquidity and wider bid-ask spreads on the OTC market.
What Are the Growth Opportunities for CCYY?
- Expansion of Loan Portfolio: CCCB Bancorp can grow by expanding its loan portfolio, specifically targeting small and medium-sized businesses (SMBs) within its existing geographic footprint. The SMB lending market represents a significant opportunity, with a total addressable market estimated at $500 billion nationally. By offering tailored loan products and personalized service, CCCB Bancorp can increase its market share and drive revenue growth. This expansion can be achieved within the next 3-5 years.
- Enhancement of Digital Banking Services: Investing in and enhancing its digital banking platform can attract and retain customers, particularly younger demographics. The digital banking market is projected to reach $9.0 trillion in transaction value by 2027. By offering a seamless and user-friendly online and mobile banking experience, CCCB Bancorp can improve customer satisfaction and operational efficiency. Implementation of enhanced digital services is expected within the next 1-2 years.
- Strategic Partnerships: Forming strategic partnerships with local businesses and community organizations can drive customer acquisition and brand awareness. By collaborating with complementary businesses, CCCB Bancorp can cross-promote its services and reach new customer segments. These partnerships can be established within the next year, leading to increased customer referrals and deposit growth.
- Product Diversification: Diversifying its product offerings beyond traditional banking services can generate new revenue streams. This includes offering wealth management services, insurance products, and other financial solutions. The wealth management market is projected to grow at a rate of 7% annually, presenting a significant opportunity for CCCB Bancorp to expand its service offerings. Product diversification can be implemented within the next 2-3 years.
- Geographic Expansion: Expanding its branch network or establishing a presence in adjacent markets can drive long-term growth. While maintaining its focus on community banking, CCCB Bancorp can selectively expand into underserved markets with strong growth potential. Careful market analysis and strategic planning are essential for successful geographic expansion, which can be considered within the next 3-5 years.
What Opportunities Does CCYY Have?
- Expansion of digital banking services.
- Strategic partnerships with local businesses.
- Growth in underserved markets.
What Threats Does CCYY Face?
- Competition from larger regional and national banks.
- Impact of interest rate fluctuations.
- Regulatory changes and compliance costs.
What Are CCYY's Competitive Advantages?
- Established presence in local communities in Pennsylvania.
- Focus on personalized customer service and relationship banking.
- Strong local market knowledge and community ties.
What Does CCYY Do?
CCCB Bancorp, Inc., founded in 2004, serves as the holding company for Clarion County Community Bank. The bank provides a range of retail and commercial financial products and services to individuals and businesses primarily within Pennsylvania. Its core offerings include checking, savings, money market, term certificate, and individual retirement accounts, alongside certificates of deposit. Loan products encompass home mortgage construction, home equity, personal and auto loans, as well as business real estate, equipment, and business installment loans, including lines of credit. CCCB Bancorp operates through four locations in Clarion, Pennsylvania, and also maintains branches in New Bethlehem, Rimersburg, and Franklin, Pennsylvania. The bank emphasizes traditional banking services, including reorder checks, safe deposit boxes, night deposit facilities, cashier's checks, and money orders. It also offers modern conveniences such as debit and credit cards, bill pay services, and switch kits, complemented by online, mobile, and telephone banking options. As a community bank, CCCB Bancorp focuses on building relationships within its operating footprint, differentiating itself through personalized service and local market knowledge. While the bank embraces technological advancements to enhance customer experience, its core strategy remains rooted in traditional banking principles and community engagement.
What Products and Services Does CCYY Offer?
- Provides checking and savings accounts to individuals and businesses.
- Offers money market and term certificate accounts.
- Provides home mortgage construction loans.
- Offers home equity, personal, and auto loans.
- Provides business real estate and equipment loans.
- Offers business installment loans and lines of credit.
- Provides online, mobile, and telephone banking services.
How Does CCYY Make Money?
- Generates revenue through interest income from loans.
- Earns fees from services such as debit and credit card transactions.
- Collects fees for services like safe deposit boxes and money orders.
What Industry Does CCYY Operate In?
CCCB Bancorp, Inc. operates within the competitive regional banking industry. This sector is characterized by a mix of large national banks and smaller community banks, each vying for market share. The industry is currently influenced by factors such as interest rate volatility, regulatory changes, and technological advancements. Community banks like CCCB Bancorp face the challenge of balancing traditional banking practices with the need to adopt digital technologies to meet evolving customer expectations. The rise of fintech companies also presents a competitive threat, requiring banks to innovate and differentiate their services. CCCB Bancorp's focus on serving local communities in Pennsylvania positions it to capitalize on personalized service and local market knowledge.
Who Are CCYY's Key Customers?
- Individuals seeking personal banking services.
- Small businesses requiring commercial loans and banking solutions.
- Local residents in Clarion, New Bethlehem, Rimersburg, and Franklin, Pennsylvania.
Company Profile
CCCB Bancorp, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Clarion, US. The company is led by CEO Travis Heiser. CCYY has traded publicly since 2010.
How CCCB Bancorp, Inc. Is Valued
CCCB Bancorp, Inc. carries a market capitalization of $15.95M, placing it in the micro-cap category. Relative to its peer group, CCYY's quantitative score of 46/100 is roughly in line with the peer average of 48/100.
ROE 5%Key Financial Metrics
Return on equity for CCCB Bancorp, Inc. stands at 5.3%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.3%, showing how much profit it generates from its asset base. CCYY trades at a trailing price-to-earnings ratio of 18.92, roughly in line with the Financial Services sector average of ~18x. Its free cash flow yield is 2.7%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.02 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 5.0%, the inverse of the P/E and a quick read on earnings relative to price.
CCYY Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Strong local presence and community relationships.
- Diversified loan portfolio.
- Traditional banking model with established customer base.
- Ongoing: Expansion of digital banking services to attract and retain customers.
Bear Case
- Limited geographic reach.
- Smaller scale compared to larger regional banks.
- Reliance on traditional banking services.
- Potential: Competition from larger regional and national banks.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · July 2026
CCYY Latest News
No recent news available for CCYY.
CCYY Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for CCYY.
Price Targets
Wall Street price target analysis for CCYY.
CCYY MoonshotScore
What does this score mean?
The MoonshotScore rates CCYY's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
CCYY OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that CCCB Bancorp, Inc. may not meet the minimum financial standards or disclosure requirements for higher tiers like OTCQX or OTCQB. Companies in this tier may have limited information available to investors and may not be subject to the same level of regulatory oversight as companies listed on major exchanges like the NYSE or NASDAQ. Investing in companies on the OTC Other tier carries a higher degree of risk due to the potential for limited liquidity and transparency.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited financial disclosure and transparency.
- Higher potential for fraud and manipulation.
- Lower liquidity and wider bid-ask spreads.
- Greater price volatility.
- Potential for delisting or trading suspension.
- Verify the company's registration and regulatory filings.
- Review the company's financial statements (if available).
- Assess the company's management team and track record.
- Research the company's business model and competitive landscape.
- Evaluate the company's risk factors and potential liabilities.
- Check for any legal or regulatory issues.
- Understand the OTC market and its associated risks.
- Company has been in operation since 2004.
- Operates regulated banking services in Pennsylvania.
- Maintains physical branch locations.
- Offers traditional banking products and services.
- Publicly traded, even if on the OTC market.
Common Questions About CCYY (Financial Services)
What does CCCB Bancorp, Inc. do?
CCCB Bancorp, Inc. operates as the bank holding company for Clarion County Community Bank, offering a range of retail and commercial banking services to individuals and businesses in Pennsylvania. These services include deposit accounts, loan products, and digital banking solutions. The bank focuses on building relationships within its local communities and providing personalized service to its customers. Its core business model revolves around generating revenue through interest income from loans and fees from various banking services, while managing risk and maintaining regulatory compliance.
What do analysts say about CCYY stock?
As of 2026-03-15, formal analyst ratings for CCCB Bancorp, Inc. (CCYY) are not widely available, likely due to its OTC listing and smaller market capitalization. Investors should focus on fundamental analysis, monitoring key metrics such as loan growth, net interest margin, asset quality, and efficiency ratio. The company's valuation should be assessed relative to its peers in the regional banking sector, considering its growth prospects and risk profile. Given the limited analyst coverage, investors must conduct their own thorough due diligence before making any investment decisions.
What are the main risks for CCYY?
CCCB Bancorp, Inc. faces several risks inherent to the banking industry and its OTC listing. These include competition from larger regional and national banks, the impact of interest rate fluctuations on its net interest margin, and regulatory changes that could increase compliance costs. As an OTC-listed company, CCYY is subject to lower liquidity, wider bid-ask spreads, and limited financial disclosure, increasing the risk of price volatility and potential for fraud. Investors should carefully assess these risks and conduct thorough due diligence before investing in CCYY.
What are the key factors to evaluate for CCYY?
CCCB Bancorp, Inc. (CCYY) holds an AI score of 46/100 (low). P/E: 18.9x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does CCYY data refresh on this page?
CCYY prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven CCYY's recent stock price performance?
CCCB Bancorp, Inc. (CCYY) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong local presence and community relationships. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider CCYY overvalued or undervalued right now?
CCCB Bancorp, Inc. (CCYY) trades at 18.9x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying CCYY?
Before investing in CCCB Bancorp, Inc. (CCYY), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on available data and may be limited due to the company's OTC listing.
- AI analysis pending for CCYY; further insights may be available in the future.