Chino Commercial Bancorp (CCBC) Stock Analysis
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.
Chino Commercial Bancorp (CCBC) trades at $17.75 with AI Score 48/100 (Grade C). Chino Commercial Bancorp operates as the bank holding company for Chino Commercial Bank, N. A. Market cap: $57.0M, Sector: Financial services.
Price as of Jul 20, 2026 · Last analyzed: Mar 17, 2026Analyst Coverage for CCBC: CCBC 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 CCBC against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
CCBC: the 3 scored disciplines are evenly split. Dominant signal: Izzy Englander bullish.
How is this calculated? →Why this analysis is different
- A 9-signal quantitative MoonshotScore built from filings, insider activity, and market data — computed from the numbers, not from opinion.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
Chino Commercial Bancorp (CCBC) Financial Services Profile
Chino Commercial Bancorp, established in 1999, serves the Inland Empire region of Southern California with commercial banking services, focusing on small businesses and individuals through its four full-service branches and diverse deposit and loan products, distinguishing itself through community-focused banking solutions.
What Is the Investment Thesis for CCBC?
Chino Commercial Bancorp presents a focused investment opportunity within the regional banking sector, marked by a P/E ratio of 10.02 and a profit margin of 24.3%. The company's growth is tied to the economic health of the Inland Empire region of Southern California. A key value driver is its established presence and customer relationships within this market. Upcoming catalysts include potential expansion of its digital banking services to attract a broader customer base. Potential risks include sensitivity to interest rate fluctuations and competition from larger regional and national banks. Investors should monitor the bank's loan portfolio performance and its ability to maintain its net interest margin in a changing interest rate environment.
Based on FMP financials and quantitative analysis
CCBC Key Highlights
- Market capitalization of $57.0M, reflecting its position as a smaller community bank.
- P/E ratio of 10.02, suggesting a potentially undervalued stock compared to its earnings.
- Profit margin of 24.3%, indicating efficient operations and profitability.
- Gross margin of 58.6%, showcasing the bank's ability to manage its expenses effectively.
- Beta of 0.07, indicating low volatility compared to the overall market.
Who Are CCBC's Competitors?
CCBC is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| BSPA Ballston Spa Bancorp, Inc. | $76.80 | +0.00% | $57.0M | 59 |
| FMFG Farmers and Merchants Bancshares, Inc. | $19.01 | +0.54% | $61.5M | 48 |
| FRSB First Resource Bancorp Inc. | $25.00 | +2.04% | $77.1M | 66 |
| GSBX Golden State Bancorp | $38.35 | +0.00% | $70.4M | 59 |
| HBSI Highlands Bankshares, Inc. | $46.00 | -1.08% | $61.5M | 56 |
| ATLO Ames National Corporation | $29.55 | -0.24% | $262M | 91 |
| FRAF Franklin Financial Services Corporation | $62.98 | +0.65% | $283M | 92 |
| TSBK Timberland Bancorp, Inc. | $43.67 | -0.23% | $342M | 92 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are CCBC's Key Strengths?
- Strong local presence in the Inland Empire region.
- Personalized service and customer relationships.
- Conservative lending practices.
- Experienced management team.
What Are CCBC's Weaknesses?
- Limited geographic diversification.
- Smaller size compared to larger regional and national banks.
- Reliance on the economic health of the Inland Empire.
- Limited brand recognition outside of its core market.
What Could Drive CCBC Stock Higher?
- Potential expansion of digital banking services to attract a broader customer base.
- Continued growth in the Inland Empire region of Southern California.
- Strategic partnerships with local businesses to drive customer acquisition.
What Are the Key Risks for CCBC?
- Financial-distress signal — its Altman Z-Score of 0.35 sits in the distress zone (elevated bankruptcy risk).
- Sensitivity to interest rate fluctuations affecting net interest margin.
- Increased competition from larger regional and national banks.
- Economic downturn in the Inland Empire impacting loan portfolio performance.
- Regulatory compliance costs and evolving requirements.
What Are the Growth Opportunities for CCBC?
- Expansion of Digital Banking Services: Investing in and expanding digital banking services can attract a younger and more tech-savvy customer base. This includes enhancing mobile banking apps, offering online account opening, and providing digital loan application processes. The market for digital banking is growing rapidly, with projections estimating a global market size of $9.5 trillion by 2027. This initiative would allow CCBC to compete more effectively with larger banks and fintech companies, potentially increasing its deposit base and loan volume.
- Strategic Partnerships with Local Businesses: Forming strategic partnerships with local businesses can drive customer acquisition and increase brand awareness. This could involve offering preferred banking services to employees of partner companies or co-hosting community events. The market for small business banking is substantial, with millions of small businesses seeking financial services. By aligning with local businesses, CCBC can tap into this market and build stronger relationships within the community, leading to increased loan demand and deposit growth.
- Targeted Marketing Campaigns: Implementing targeted marketing campaigns focused on specific customer segments, such as small business owners or real estate investors, can improve customer acquisition and retention. This could involve using digital marketing channels, social media, and local advertising to reach potential customers. The market for targeted advertising is growing, with companies increasingly focusing on personalized messaging. By tailoring its marketing efforts, CCBC can increase its brand visibility and attract new customers, driving revenue growth.
- Geographic Expansion within the Inland Empire: Expanding its branch network within the Inland Empire region can increase its market share and customer base. This could involve opening new branches in underserved areas or acquiring smaller community banks. The Inland Empire is a growing region with a diverse economy, offering opportunities for expansion. By strategically expanding its geographic footprint, CCBC can reach new customers and increase its deposit base and loan volume, contributing to long-term growth.
- Introduction of Specialized Loan Products: Introducing specialized loan products tailored to specific industries or customer needs can differentiate CCBC from its competitors and attract new customers. This could involve offering loans for renewable energy projects, healthcare facilities, or technology startups. The market for specialized lending is growing, with increasing demand for financing in niche sectors. By developing specialized loan products, CCBC can cater to underserved markets and generate higher returns, enhancing its profitability and growth prospects.
What Opportunities Does CCBC Have?
- Expansion of digital banking services.
- Strategic partnerships with local businesses.
- Geographic expansion within the Inland Empire.
- Introduction of specialized loan products.
What Threats Does CCBC Face?
- Competition from larger regional and national banks.
- Economic downturn in the Inland Empire.
- Increasing regulatory requirements.
- Interest rate fluctuations.
What Are CCBC's Competitive Advantages?
- Strong local presence and community relationships in the Inland Empire.
- Personalized service and tailored financial solutions for small businesses.
- Experienced management team with deep knowledge of the local market.
- Conservative lending practices and a focus on risk management.
What Does CCBC Do?
Founded in 1999, Chino Commercial Bancorp operates as the bank holding company for Chino Commercial Bank, N.A., providing commercial banking services to individuals and small businesses in the Inland Empire region of Southern California. The bank's inception was driven by a vision to cater to the specific financial needs of the local community, offering personalized service and tailored financial solutions. Over the years, Chino Commercial Bank has expanded its presence, establishing full-service branches in Chino, Ontario, Rancho Cucamonga, and Upland, California. The bank offers a comprehensive suite of deposit products, including non-interest bearing deposits, money market accounts, checking and savings accounts, certificates of deposit, and individual retirement accounts. Its commercial loan products encompass lines of credit, letters of credit, term loans, equipment loans, commercial real estate loans, accounts receivable financing, factoring, equipment leasing, and other working capital financing. Additionally, the bank provides auto, home equity, and home improvement lines of credit, personal lines of credit, and real estate loan products, including construction loans, lot loans, residential real estate brokerage, commercial real estate conduit sales, mini-perm commercial real estates, and home mortgages. Chino Commercial Bank also offers various services such as credit and debit cards, cashier's checks, courier services, direct deposit, remote deposit capture, e-statements, electronic tax payment, night depository, notary services, safe deposit boxes, savings bonds, wire transfers, stop payments, and cash management, alongside online, telephone, and mobile banking services. The bank differentiates itself through its commitment to community banking, focusing on building long-term relationships with its customers and supporting local economic growth.
What Products and Services Does CCBC Offer?
- Provides commercial banking services to individuals and small businesses.
- Offers non-interest bearing deposits, money market accounts, and checking and savings accounts.
- Provides certificates of deposit and individual retirement accounts.
- Offers commercial loan products, such as lines of credit and term loans.
- Provides commercial real estate loans and equipment loans.
- Offers accounts receivable financing and factoring services.
- Provides equipment leasing and other working capital financing.
- Offers online, telephone, and mobile banking services.
How Does CCBC Make Money?
- Generates revenue through interest income from loans.
- Earns fees from various banking services, such as wire transfers and account maintenance.
- Attracts deposits from individuals and businesses, which are then used to fund loans.
- Manages risk through careful underwriting and diversification of its loan portfolio.
What Industry Does CCBC Operate In?
Chino Commercial Bancorp operates within the competitive regional banking sector, serving the Inland Empire region of Southern California. The industry is characterized by increasing consolidation, technological advancements, and evolving regulatory requirements. Regional banks face competition from larger national banks, credit unions, and fintech companies. The market is influenced by interest rate trends, economic growth, and real estate market conditions. Chino Commercial Bancorp differentiates itself through its focus on personalized service and community relationships, targeting small businesses and individuals within its geographic footprint.
Who Are CCBC's Key Customers?
- Small businesses in the Inland Empire region of Southern California.
- Individuals seeking personal banking services.
- Real estate investors and developers.
- Commercial clients requiring financing for equipment and operations.
F-Score 4/9Financial Health
Chino Commercial Bancorp's Piotroski F-Score is 4/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.35 places it in the distress zone, a signal of elevated financial risk.
How Chino Commercial Bancorp Is Valued
Relative to its peer group, CCBC's quantitative score of 48/100 is roughly in line with the peer average of 58/100.
CCBC Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Strong local presence in the Inland Empire region.
- Personalized service and customer relationships.
- Conservative lending practices.
- Experienced management team.
Bear Case
- Limited geographic diversification.
- Smaller size compared to larger regional and national banks.
- Reliance on the economic health of the Inland Empire.
- Limited brand recognition outside of its core market.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · July 2026
CCBC Latest News
No recent news available for CCBC.
CCBC Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for CCBC.
Price Targets
Wall Street price target analysis for CCBC.
CCBC MoonshotScore
What does this score mean?
The MoonshotScore rates CCBC 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Dann H. Bowman
Unknown
Dann H. Bowman leads Chino Commercial Bancorp, managing a team of 35 employees. Information regarding his specific career history, education, and previous roles is not available. Further research is needed to provide a comprehensive overview of his professional background and qualifications.
Track Record: Information regarding Dann H. Bowman's specific achievements, strategic decisions, and company milestones under his leadership is not available. Further research is needed to assess his track record and contributions to Chino Commercial Bancorp.
CCBC OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that Chino Commercial Bancorp may not meet the minimum financial standards or reporting requirements of the higher tiers like OTCQX or OTCQB. Companies in this tier may have limited financial disclosure, making it more difficult for investors to assess their financial health and performance. Investing in companies on the OTC Other tier carries a higher degree of risk due to the lack of regulatory oversight and transparency compared to NYSE or NASDAQ-listed companies.
- OTC Tier: OTC Other
- Limited financial disclosure and transparency.
- Potential for price manipulation and fraud.
- Higher volatility and wider bid-ask spreads.
- Limited regulatory oversight and investor protection.
- Lower liquidity and difficulty in executing large trades.
- Verify the company's financial statements and SEC filings (if any).
- Research the company's management team and their track record.
- Assess the company's business model and competitive landscape.
- Review the company's OTC Markets profile for disclosures and compliance.
- Consult with a financial advisor to assess the risks and suitability of the investment.
- Check for any regulatory actions or legal proceedings against the company.
- Understand the liquidity and trading volume of the stock on the OTC market.
- Established business operations with a history dating back to 1999.
- Focus on serving the local community in the Inland Empire region.
- Provision of traditional banking services, including deposit and loan products.
- Operation of full-service branches in multiple locations.
- Membership in relevant industry associations or regulatory bodies (if any).
What Investors Ask About Chino Commercial Bancorp (CCBC) — Financial Services
What does the AI Score mean for CCBC?
CCBC holds an AI Score of 48/100 (Grade: C). This is an educational research signal, not a buy or sell recommendation. Chino Commercial Bancorp operates as the bank holding company for Chino Commercial Bank, N.A., providing commercial banking services to individuals and small businesses in Southern California's …
What does Chino Commercial Bancorp do?
Chino Commercial Bancorp operates as the bank holding company for Chino Commercial Bank, N.A., providing commercial banking services to individuals and small businesses in the Inland Empire region of Southern California. The bank offers a range of deposit products, including checking and savings accounts, money market accounts, and certificates of deposit.
What are the main risks for CCBC?
Chino Commercial Bancorp faces several risks, including sensitivity to interest rate fluctuations, which can impact its net interest margin. Increased competition from larger regional and national banks poses a threat to its market share. An economic downturn in the Inland Empire could negatively affect its loan portfolio performance. Additionally, the company is subject to regulatory compliance costs and evolving requirements.
What are the key factors to evaluate for CCBC?
Chino Commercial Bancorp (CCBC) holds an AI score of 48/100 (low). Not financial advice.
How frequently does CCBC data refresh on this page?
CCBC's price was last updated on Jul 20, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven CCBC's recent stock price performance?
Chino Commercial Bancorp (CCBC) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong local presence in the Inland Empire region. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider CCBC overvalued or undervalued right now?
Chino Commercial Bancorp (CCBC) has no trailing P/E available here, so lean on price-to-sales and cash flow in the Financials tab. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research CCBC before investing?
Before investing in Chino Commercial Bancorp (CCBC), 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) analyst consensus ratings and price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Why might investors consider adding CCBC to a portfolio?
Key strength of Chino Commercial Bancorp (CCBC): Strong local presence in the Inland Empire region. Weigh rewards against risks and diversify. Not financial advice.
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 on CEO background and track record is limited.
- AI analysis is pending, and analyst ratings are unavailable.
- OTC market investments carry inherent risks.