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Chino Commercial Bancorp (CCBC)

USD17.35 -0.40 (-2.25%)
US OTC Financial Services Banks - Regional
Address 14245 Pipeline Avenue 91710
Chino, CA, US
CEO Dann H. Bowman
IPO 2003-10-07
CIK 1365794 ISIN US16957L1026

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Description

Chino Commercial Bancorp serves as the holding company for Chino Commercial Bank, N.A., which provides a diverse array of commercial banking services. Its primary clientele consists of individuals and small businesses, mainly operating within Southern California's Inland Empire region. The bank offers various deposit options, including non-interest-bearing accounts, money market accounts, standard checking and savings accounts, certificates of deposit (CDs), and individual retirement accounts (IRAs). In terms of financing, it extends numerous commercial loan products such as lines of credit, letters of credit, term loans, equipment loans, and commercial real estate financing. Additionally, it supports businesses with accounts receivable funding, factoring, equipment leasing, and other working capital solutions. For individual customers, the bank offers auto loans, home equity and home improvement lines of credit, and personal lines of credit. Its comprehensive real estate lending portfolio includes construction loans, lot loans, and home mortgages. It also encompasses specialized commercial real estate financing, such as mini-perm loans and conduit sales, as well as services related to residential real estate brokerage. Beyond its core banking and lending activities, Chino Commercial Bank provides a suite of additional services: credit and debit cards, cashier's checks, courier service, direct deposit, remote deposit capture, e-statements, electronic tax payments, night depository, notary services, safe deposit boxes, savings bonds, wire transfers, stop payment services, and comprehensive cash management solutions. Customers can also access banking services through online, telephone, and mobile platforms. The Bancorp maintains full-service banking centers in several California cities: Chino, Ontario, Rancho Cucamonga, and Upland. Chino Commercial Bancorp was established in 1999 and its corporate headquarters are situated in Chino, California.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
USD17.35 -0.40 (-2.25%)
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Volume Profile
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Liquidity & share structure
Average Volume
261
Beta
0.10
Float Shares
3.11M
Free Float %
97.0%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.00% +2.30% +2.56% +14.29% +20.92% +16.28% +25.00% +85.70% +90.66% +231.67% +635.29%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

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By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
17.35
DCF (Unlevered) 13.96 -19.6%
DCF (Levered) 9.60 -44.7%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM)
Rating 2024-11 Change
Strong Buy 0 0
Buy 0 0
Hold 0 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
0.36
Distress
Piotroski F-Score
4 / 9
Average
Composite Rating
B
Overall Score
3 / 5
Medium
DCF Score
3 / 5
Medium
ROE Score
4 / 5
High
ROA Score
3 / 5
Medium
D/E Score
1 / 5
Low
P/E Score
3 / 5
Medium
P/Book Score
2 / 5
Medium
Operational MOAT
  • Revenue growth
    +2.5% Q1'26: +11.6% (vs Q1'25)
  • EPS growth
    +13.8% Q1'26: +23.8% (vs Q1'25)
  • FCF margin
    Q1'26: +0.0% (vs Q1'25)
  • EBIT margin
    Q1'26: +34.2% (vs Q1'25)
  • ROIC
    Q1'26: +9.3% (vs Q1'25)
  • Share dilution
    -0.1% Q1'26: +0.7% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 3.53× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.11) × ERP
WACC = 47% × Ke + 53% × Kd (8.6%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 13.96 Current price: 17.35
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-19 B+ 3/5 3/5 4/5 4/5 2/5 3/5 2/5
2026-05-18 B+ 3/5 3/5 4/5 4/5 2/5 3/5 2/5
2026-05-14 B+ 3/5 3/5 4/5 4/5 2/5 3/5 2/5
2026-05-13 B+ 3/5 3/5 4/5 4/5 2/5 3/5 3/5
2026-05-04 B+ 3/5 3/5 4/5 4/5 2/5 3/5 2/5
2026-05-01 B+ 3/5 3/5 4/5 4/5 2/5 3/5 2/5
2026-04-21 A- 4/5 3/5 4/5 5/5 2/5 3/5 3/5
2026-04-20 A- 4/5 3/5 4/5 5/5 2/5 3/5 3/5
2026-04-17 B+ 3/5 3/5 4/5 5/5 1/5 3/5 3/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
-55.5K
OE per share TTM
-0.02
Owner's Yield
-0.09%
Maintenance CapEx ratio
29.22%
Maint CapEx / Avg PPE
36.1%

Ownership Overview

Ownership breakdown
At a glance
Institutional holders
1
Total invested
3.88M
Insider transactions (90d)
0
Beneficial owners (>5%)
10
Beneficial owners (>5%)
# Reporting person Amount owned % of class Sole voting Shared voting Sole dispositive Shared dispositive Type Citizenship Filing date SEC filing
1 NSB Advisors LLC 3.07M 19.80% 44.0K 150.00 44.0K 150.00 IA USA 2011-02-14
2 Westfield Capital Management Co., Inc. 1.46M 9.77% 79.7K 10.7K 79.7K 10.7K IA USA 2011-02-14
3 Banc Fund IX L.P.371755531 153.6K 5.70% 153.6K 153.6K PN USA 2022-02-07
4 DANN H BOWMAN 93.9K 12.33% 83.1K 10.8K 83.1K 10.8K IN usa 2013-02-15
5 DANN H. BOWMAN 87.0K 11.46% 10.7K 10.7K 76.4K IN USA 2012-02-15
6 THOMAS A WOODBURY, DO 75.9K 9.97% 58.8K 17.1K 58.8K 17.1K IN usa 2013-02-15
7 THOMAS A. WOODBURY, DO 56.8K 7.56% 17.1K 17.1K 39.7K IN USA 2012-02-15
8 Banc Fund X L.P.82-5185037 13.6K 0.50% 13.6K 13.6K PN USA 2022-02-07
9 Banc Fund VII L.P.201818049 0.00% PN USA 2019-02-15
10 Banc Fund VIII L.P.262334080 0.00% PN USA 2022-02-07

Institutional Activity (13F)

Institutional ownership trend From To
13F snapshot — 2025 Q4
Investors holding
1
+0 vs prev Q
New positions
0
Closed positions
0
Increased
0
Reduced
0
Put/Call ratio
0.00
Calls held
Puts held
Top institutional holders
# Investor Shares / Δ Mkt value / Δ Own% / Δ Weight% / Δ Avg px / Perf. Hold / Status
1 SIENA CAPITAL PARTNERS GP, LLC 229.0K +— (+0.0%) 3.88M +114.5K (+3.0%) 7.14% +0.000 pp 1.04% -0.036 pp USD10.55 +63.0% 8 qtrs
Ownership breakdown by holder

ETF Ownership

Top ETFs holding this stock

This company is not held by any ETF in our universe.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
233.1K
Shares Outstanding
3.21M

Executive compensation

Executive compensation (annual)
# Year Executive Salary Bonus Stock award Option award Incentive Other Total % Stock-
based
Filing
1 2011 Dann H. Bowman President and Chief Executive Officer 168.0K 31.4K 25.5K 224.9K 0.00%
2 2011 Roger Caberto Senior Vice President and Chief Credit Officer 110.0K 6.0K 13.7K 129.7K 0.00%
3 2011 Sandra F. Pender Senior Vice President and Chief Financial Officer 102.0K 6.0K 4.1K 112.1K 0.00%
4 2010 Dann H. Bowman President and Chief Executive Officer 164.0K 30.3K 24.0K 218.2K 0.00%
5 2010 Roger Caberto Senior Vice President and Chief Credit Officer 110.0K 6.9K 39.2K 156.1K 0.00%
6 2010 Sandra F. Pender Senior Vice President and Chief Financial Officer 102.0K 7.0K 3.4K 112.4K 0.00%
7 2008 Dann H. Bowman President and Chief Executive Officer 160.0K 28.5K 20.0K 208.5K 0.00%
8 2008 Roger Caberto Senior Vice President and Chief Credit Officer 110.0K 5.5K 50.5K 166.0K 0.00%
9 2008 Sandra F. Pender Senior Vice President and Chief Financial Officer 100.3K 5.5K 4.0K 109.8K 0.00%
10 2007 Dann H. Bowman President and Chief Executive Officer 160.4K 38.8K 11.8K 211.0K 0.00%
11 2007 Roger Caberto Senior Vice President and Chief Credit Officer 110.0K 5.5K 37.5K 153.0K 0.00%
12 2007 Sandra F. Pender Senior Vice President and Chief Financial Officer 95.6K 5.0K 3.8K 104.4K 0.00%
13 2006 Dann H. Bowman President and Chief Executive Officer 147.4K 50.5K 17.7K 215.2K 0.00%
14 2006 Roger Caberto Senior Vice President and Chief Credit Officer 103.3K 5.9K 30.5K 139.7K 0.00%
15 2006 Sandra F. Pender Senior Vice President and Chief Financial Officer 18.00 1.2K 35.4K 0.00%
CEO compensation breakdown

Proxy statements

Proxy statements (DEF 14A)
Filing date Form type Filing
2012-04-24 DEF 14A
2011-05-17 DEF 14A

Recent SEC filings

Recent SEC filings
Filing date Form type Filing
2024-02-12 SC 13G/A
2023-02-08 SC 13G/A
2022-02-07 SC 13G/A
2021-05-27 D
2021-02-09 SC 13G/A
2020-02-13 SC 13G/A
2019-02-15 SC 13G
2017-10-20 1-Z
2017-06-30 253G2
2017-06-28 1-A POS

Executive team

NameTitleCompensationGender
Dann H. Bowman President, Chief Executive Officer & Director 280.4K male
Roger Caberto Chairman of Directors Loan Committee & Director 136.6K male
Melinda Milincu Senior Vice President & Chief Financial Officer 107.3K female
Jeanette L. Young Corporate Secretary & Director 14.5K female
ESG Rating
E (Environmental)
69.9
S (Social)
61.7
G (Governance)
68.1
ESG Total
66.5
ESG Score History
Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend history

Earnings history

Earnings reports

Stock splits