Critical Contrast: Chino Commercial Bancorp (OTCMKTS:CCBC) & BancFirst (NASDAQ:BANF)

Chino Commercial Bancorp (OTCMKTS:CCBC) and BancFirst (NASDAQ:BANF) are both finance companies, but which is the superior investment? We will contrast the two businesses based on the strength of their earnings, valuation, institutional ownership, risk, profitability, dividends and analyst recommendations.

Institutional & Insider Ownership

51.7% of BancFirst shares are held by institutional investors. 32.5% of Chino Commercial Bancorp shares are held by insiders. Comparatively, 32.4% of BancFirst shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.

Analyst Ratings

This is a breakdown of recent recommendations for Chino Commercial Bancorp and BancFirst, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Chino Commercial Bancorp	0	0	0	0	0.00
BancFirst	1	2	0	0	1.67

BancFirst has a consensus target price of $113.33, indicating a potential downside of 13.72%. Given BancFirst’s stronger consensus rating and higher possible upside, analysts plainly believe BancFirst is more favorable than Chino Commercial Bancorp.

Volatility and Risk

Chino Commercial Bancorp has a beta of 0.21, indicating that its share price is 79% less volatile than the S&P 500. Comparatively, BancFirst has a beta of 0.77, indicating that its share price is 23% less volatile than the S&P 500.

Earnings and Valuation

This table compares Chino Commercial Bancorp and BancFirst”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Chino Commercial Bancorp	$25.24 million	1.86	$5.14 million	$1.62	9.01
BancFirst	$908.71 million	4.80	$216.35 million	$6.61	19.87

BancFirst has higher revenue and earnings than Chino Commercial Bancorp. Chino Commercial Bancorp is trading at a lower price-to-earnings ratio than BancFirst, indicating that it is currently the more affordable of the two stocks.

Profitability

This table compares Chino Commercial Bancorp and BancFirst’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Chino Commercial Bancorp	21.07%	N/A	N/A
BancFirst	24.05%	13.90%	1.66%

Summary

BancFirst beats Chino Commercial Bancorp on 12 of the 13 factors compared between the two stocks.

About Chino Commercial Bancorp

Chino Commercial Bancorp operates as the bank holding company for Chino Commercial Bank, N.A. that provides commercial banking services to individuals and small businesses primarily in the Inland Empire region of Southern California. The company's deposit products include non-interest bearing deposits, money market accounts, NOW and savings accounts, and certificates of deposit accounts. It also provides loan products, such as one-to-four family residential, residential, construction, commercial real estate, and commercial and industrial loans, as well as loans to individuals for overdraft protection and personal lines of credit. In addition, the company offers credit and debit card, wire transfer, and online and mobile banking services. It operates full-service branches in Chino, Ontario, Rancho Cucamonga, and Upland, California. The company was founded in 1999 and is headquartered in Chino, California.

About BancFirst

BancFirst Corporation operates as the bank holding company for BancFirst that provides a range of commercial banking services to retail customers, and small to medium-sized businesses. The company operates through BancFirst Metropolitan Banks, BancFirst Community Banks, Pegasus, Worthington, and Other Financial Services segments. It offers checking accounts, negotiable order of withdrawal accounts, savings accounts, money market accounts, sweep accounts, club accounts, individual retirement accounts, and certificates of deposit, as well as overdraft protection and auto draft services. The company also provides commercial and agricultural non-real estate loans for working capital, facilities acquisition or expansion, purchase of equipment, and other needs; lending services that include private banking, energy, commercial and residential real estate, and commercial and industrial loans; and loans to finance purchases of consumer goods, such as automobiles, boats, household goods, vacations, and education. In addition, it engages in the investment management and administration of trusts for individuals, corporations, and employee benefit plans, as well as bond trustee and paying agent business for various Oklahoma municipalities and governmental entities; and provision of item processing, research, and other correspondent banking services to financial institutions and governmental units. Further, the company provides insurance agency services; depository and funds transfer, collection, safe deposit box, cash management, and other services. It serves customers in non-metropolitan trade centers and cities in the metropolitan statistical areas of Oklahoma. The company was formerly known as United Community Corporation and changed its name to BancFirst Corporation in November 1988. BancFirst Corporation was incorporated in 1984 and is headquartered in Oklahoma City, Oklahoma.