Critical Survey: Chino Commercial Bancorp (OTCMKTS:CCBC) vs. California BanCorp (NASDAQ:BCAL)

California BanCorp (NASDAQ:BCAL) and Chino Commercial Bancorp (OTCMKTS:CCBC) are both small-cap finance companies, but which is the better business? We will contrast the two companies based on the strength of their institutional ownership, earnings, analyst recommendations, risk, profitability, dividends and valuation.

Analyst Recommendations

This is a breakdown of recent ratings for California BanCorp and Chino Commercial Bancorp, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
California BanCorp	0	1	3	1	3.00
Chino Commercial Bancorp	0	0	0	0	0.00

California BanCorp presently has a consensus target price of $20.33, indicating a potential upside of 11.42%. Given California BanCorp’s stronger consensus rating and higher possible upside, analysts clearly believe California BanCorp is more favorable than Chino Commercial Bancorp.

Insider & Institutional Ownership

55.4% of California BanCorp shares are owned by institutional investors. 14.8% of California BanCorp shares are owned by company insiders. Comparatively, 32.5% of Chino Commercial Bancorp shares are owned by company 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.

Volatility and Risk

California BanCorp has a beta of 1.19, meaning that its share price is 19% more volatile than the S&P 500. Comparatively, Chino Commercial Bancorp has a beta of 0.09, meaning that its share price is 91% less volatile than the S&P 500.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
California BanCorp	26.26%	11.85%	1.59%
Chino Commercial Bancorp	22.97%	N/A	N/A

Earnings and Valuation

This table compares California BanCorp and Chino Commercial Bancorp”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
California BanCorp	$184.56 million	3.20	$5.43 million	$1.94	9.41
Chino Commercial Bancorp	$25.24 million	2.14	$5.14 million	$1.81	9.28

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

Summary

California BanCorp beats Chino Commercial Bancorp on 14 of the 15 factors compared between the two stocks.

About California BanCorp

Southern California Bancorp operates as the holding company for Bank of Southern California, N.A. that provides various financial products to individuals, professionals, and small-to medium-sized businesses. The company offers checking, personal and business savings, and money market accounts, as well as certificates of deposit. It also provides home equity lines of credit, business loans and lines of credit, commercial real estate and construction loans, small business administration loans, letters of credit, and personal and business credit cards. In addition, the company provides cash vault, sweep accounts, and remote deposit capture services; online and mobile banking services; courier service; lockbox services; and merchant services. It operates branches in San Diego, Orange, Ventura, Los Angeles, and Riverside counties, as well as the Inland Empire. The company was founded in 2001 and is headquartered in San Diego, California.

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.