Reviewing Chino Commercial Bancorp (OTCMKTS:CCBC) and F.N.B. (NYSE:FNB)


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Chino Commercial Bancorp (OTCMKTS:CCBC) and F.N.B. (NYSE:FNB) are both finance companies, but which is the superior business? We will contrast the two companies based on the strength of their profitability, institutional ownership, dividends, valuation, analyst recommendations, earnings and risk.

Valuation and Earnings

This table compares Chino Commercial Bancorp and F.N.B.’s revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Chino Commercial Bancorp $11.43 million 2.57 $2.55 million N/A N/A
F.N.B. $1.54 billion 2.66 $387.00 million $1.18 10.83

F.N.B. has higher revenue and earnings than Chino Commercial Bancorp.

Insider and Institutional Ownership

6.7% of Chino Commercial Bancorp shares are held by institutional investors. Comparatively, 72.3% of F.N.B. shares are held by institutional investors. 32.5% of Chino Commercial Bancorp shares are held by company insiders. Comparatively, 0.6% of F.N.B. shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Analyst Recommendations

This is a summary of recent ratings and target prices for Chino Commercial Bancorp and F.N.B., as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Chino Commercial Bancorp 0 0 0 0 N/A
F.N.B. 0 1 1 0 2.50

F.N.B. has a consensus price target of $9.50, suggesting a potential downside of 25.67%. Given F.N.B.’s higher possible upside, analysts clearly believe F.N.B. is more favorable than Chino Commercial Bancorp.

Profitability

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

Net Margins Return on Equity Return on Assets
Chino Commercial Bancorp 21.26% N/A N/A
F.N.B. 21.08% 6.83% 0.90%

Risk and Volatility

Chino Commercial Bancorp has a beta of 0.73, meaning that its stock price is 27% less volatile than the S&P 500. Comparatively, F.N.B. has a beta of 1.34, meaning that its stock price is 34% more volatile than the S&P 500.

Summary

F.N.B. beats Chino Commercial Bancorp on 10 of the 12 factors compared between the two stocks.

Chino Commercial Bancorp Company Profile

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, checking and savings accounts, certificates of deposit, and individual retirement accounts. It also provides commercial loan products, such as lines of credit, letters of credit, term loans and equipment loans, commercial real estate loans, accounts receivable financing, factoring, equipment leasing, and other working capital financing; auto, home equity and home improvement lines of credit, and personal lines of credit; and real estate loan products comprising construction loans, lot loans, residential real estate brokerage, commercial real estate conduit sales, mini-perm commercial real estates, and home mortgages. In addition, the company offers credit and debit card, cashier's checks, courier, direct deposit, remote deposit capture, e-statement, electronic tax payment, night depository, notary, safe deposit box, savings bond, wire transfer, stop payment, and cash management, as well as online, telephone, 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.

F.N.B. Company Profile

F.N.B. Corporation, a financial holding company, provides a range of financial services primarily to consumers, corporations, governments, and small- to medium-sized businesses. The company operates through three segments: Community Banking, Wealth Management, and Insurance. It offers commercial banking solutions, including corporate and small business banking, investment real estate financing, business credit, capital market, and lease financing services. The company also provides consumer banking products and services, such as deposit products, mortgage and consumer lending services, and mobile and online banking services; and wealth management services comprising personal and corporate fiduciary services comprising administration of decedent and trust estates; securities brokerage and investment advisory services, mutual funds, and annuities; and commercial and personal insurance, and reinsurance products, as well as mezzanine financing options for small- to medium-sized businesses. As of January 19, 2021, it operated approximately 350 community banking offices in Pennsylvania, Ohio, Maryland, West Virginia, North Carolina, South Carolina, Washington, D.C., and Virginia. F.N.B. Corporation was founded in 1864 and is headquartered in Pittsburgh, Pennsylvania.

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