Analyzing Red River Bancshares (NASDAQ:RRBI) & Chino Commercial Bancorp (OTCMKTS:CCBC)

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

Profitability

This table compares Chino Commercial Bancorp and Red River Bancshares’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Chino Commercial Bancorp	22.97%	N/A	N/A
Red River Bancshares	24.44%	12.14%	1.28%

Analyst Ratings

This is a breakdown of recent ratings and target prices for Chino Commercial Bancorp and Red River Bancshares, 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
Red River Bancshares	0	1	2	0	2.67

Red River Bancshares has a consensus target price of $67.00, suggesting a potential downside of 9.53%. Given Red River Bancshares’ stronger consensus rating and higher probable upside, analysts clearly believe Red River Bancshares is more favorable than Chino Commercial Bancorp.

Insider and Institutional Ownership

27.6% of Red River Bancshares shares are held by institutional investors. 32.5% of Chino Commercial Bancorp shares are held by company insiders. Comparatively, 15.9% of Red River Bancshares shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.

Volatility & Risk

Chino Commercial Bancorp has a beta of 0.09, meaning that its stock price is 91% less volatile than the S&P 500. Comparatively, Red River Bancshares has a beta of 0.51, meaning that its stock price is 49% less volatile than the S&P 500.

Earnings & Valuation

This table compares Chino Commercial Bancorp and Red River Bancshares”s gross 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	2.11	$5.14 million	$1.81	9.17
Red River Bancshares	$157.67 million	3.09	$34.24 million	$6.03	12.28

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

Summary

Red River Bancshares beats Chino Commercial Bancorp on 13 of the 14 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 Red River Bancshares

Red River Bancshares, Inc. operates as a bank holding company for Red River Bank that provides banking products and services to commercial and retail customers in Louisiana. The company provides various deposit products, including checking, saving, money market accounts, and time deposits. It offers commercial real estate loans; one-to-four family mortgage loans and home equity lines of credit; construction and development loans; commercial and industrial loans; small business administration paycheck protection program loans; tax-exempt loans; consumer loans to individuals for personal, family, and household purposes, including secured and unsecured installment and term loans; home mortgage loans; and lines of credit and standby letters of credit. In addition, the company provides treasury management, private banking, and brokerage; investment advisory, financial planning, and a suite of retirement plans; debit and credit cards, direct deposits, cashier's checks, and wire transfer services; online banking services, including access to account balances, online transfers, online bill payment, and electronic delivery of customer statements; and banking services in person, through ATMs, drive-through facilities, night deposits, telephone, mail, mobile banking, and remote deposits. Red River Bancshares, Inc. was incorporated in 1998 and is headquartered in Alexandria, Louisiana.