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During the past 12 months, Chino Commercial Bancorp's average EPS without NRIGrowth Rate was 13.80% per year.
During the past 3 years, the average EPS without NRIGrowth Rate was 7.50% per year.
During the past 5 years, the average EPS without NRIGrowth Rate was 17.10% per year.
During the past 10 years, the average EPS without NRIGrowth Rate was 38.60% per year.
During the past 13 years, Chino Commercial Bancorp's highest 3-Year average EPS without NRI Growth Rate was 133.30% per year. The lowest was -41.20% per year. And the median was 17.90% per year.
Chino Commercial Bancorp (OTCPK:CCBC) Earnings per Share (Diluted) Explanation
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists EPS without NRI, which better reflects the company's underlying performance.
Be Aware
Compared with Earnings per share, a company's cash flow is better indicator of the company's earnings power.
If a company's earnings per share is less than cash flow per share over long term, investors need to be cautious and find out why.
Chino Commercial Bancorp Earnings per Share (Diluted) Related Terms
Chino Commercial Bancorp Earnings per Share (Diluted) Historical Data
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The historical data trend for Chino Commercial Bancorp's Earnings per Share (Diluted) can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Chino Commercial Bancorp Earnings per Share (Diluted) Chart
CCBC vs SMAL, MNMB, HFBK: Earnings per Share (Diluted) Comparison
For the Banks - Regional subindustry, Chino Commercial Bancorp's PE Ratio, along with its competitors' market caps and PE Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Chino Commercial Bancorp PE Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Chino Commercial Bancorp's PE Ratio distribution charts can be found below:
* The bar in red indicates where Chino Commercial Bancorp's PE Ratio falls into.
Chino Commercial Bancorp Earnings per Share (Diluted) Calculation
Earnings Per Share (EPS) is the amount of earnings per outstanding share of the company's stock. In calculating earnings per share, the dividends of preferred stocks need to subtracted from the total net income first.
Chino Commercial Bancorp's Earnings Per Share (Diluted) for the fiscal year that ended in Dec. 2025 is calculated as
Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 adds up the semi-annually data reported by the company within the most recent 12 months, which was $0.91
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Companies also reported diluted shares in their financial reports. Diluted shares include the shares of convertibles or warrants outstanding.
What does a Earnings per Share (Diluted) of $0.91 mean?
Chino Commercial Bancorp (CCBC) has a Earnings per Share (Diluted) of $0.91 as of Dec. 2025. Diluted EPS equals net earnings divided by average shares outstanding, including dilutive securities. View historical data on Chino Commercial Bancorp and its competitors. According to the industry distribution chart, Chino Commercial Bancorp ranks #698 out of 1409 companies in the Banks industry, placing it in the top 49.5%.
Is Chino Commercial Bancorp's Earnings per Share (Diluted) too high?
Chino Commercial Bancorp's current Earnings per Share (Diluted) is $0.91. The Banks industry median Earnings per Share (Diluted) is 7.40. Chino Commercial Bancorp's value of $0.91 is 87.7% below this industry median. Based on the distribution chart, Chino Commercial Bancorp ranks #698 out of 1409 companies in the Banks industry, which is above the industry midpoint. Overall, Chino Commercial Bancorp has a GF Score™ of 60/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Chino Commercial Bancorp's Earnings per Share (Diluted) compare to SMAL and MNMB?
According to the Banks industry distribution chart, Chino Commercial Bancorp ranks #698 out of 1409 companies for Earnings per Share (Diluted). This puts Chino Commercial Bancorp in the upper half of its industry. The industry median Earnings per Share (Diluted) is 7.40. Chino Commercial Bancorp's value of $0.91 is 87.7% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Earnings per Share (Diluted) for a Banks company?
The median Earnings per Share (Diluted) among Banks companies is 7.40, based on 1,409 companies in the industry. Companies in the top quartile (top 25%) have a Earnings per Share (Diluted) significantly above this median, while those in the bottom quartile fall well below. However, Earnings per Share (Diluted) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Chino Commercial Bancorp's current Earnings per Share (Diluted) of $0.91 is 87.7% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Earnings per Share (Diluted) mean?
A high Earnings per Share (Diluted) can signal that a stock is expensive relative to its fundamentals. Diluted EPS equals net earnings divided by average shares outstanding, including dilutive securities. View historical data on Chino Commercial Bancorp and its competitors. For the Banks industry, the median Earnings per Share (Diluted) is 7.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Chino Commercial Bancorp's current Earnings per Share (Diluted) is $0.91. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Chino Commercial Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Chino Commercial Bancorp (CCBC) is currently considered Significantly Overvalued. The stock's GF Value™ is $12.88, compared to a current price of $18.10 — trading 40.5% above its estimated fair value. The current Earnings per Share (Diluted) is $0.91 and 87.7% below the Banks industry median of 7.40. Chino Commercial Bancorp's overall GF Score™ is 60/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Earnings per Share (Diluted) calculated?
Earnings per Share (Diluted) is calculated from a company's financial statements. For Chino Commercial Bancorp (CCBC), the current Earnings per Share (Diluted) is $0.91 as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Chino Commercial Bancorp (CCBC) Overvalued in 2026?
Based on GuruFocus' analysis, Chino Commercial Bancorp stock appears to be overvalued.
The current stock price of $18.10 is trading 40.5% above its estimated GF Value™ of $12.88.
GuruFocus considers Chino Commercial Bancorp to be Significantly Overvalued.
Key valuation signals for CCBC:
Earnings per Share (Diluted): $0.91
GF Value™: $12.88 vs. price of $18.10 (40.5% above fair value)
Industry Position: 87.7% below the Banks median (#698 of 1409)
No single metric tells the full story. See the CCBC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Chino Commercial Bancorp is a bank holding company based in the United States. Along with its banking subsidiary, it provides a variety of commercial banking services to individuals and small businesses, mainly in the Inland Empire region of Southern California. Its portfolio products and services mainly include lending products such as real estate loans, commercial loans, personal loans, etc, and deposit products such as non-interest-bearing deposits and money market accounts. Additionally, the company also offers cash management solutions, online banking, tele banking, and other banking services. These services are offered through full-service offices in Chino, Ontario, Rancho Cucamonga, Upland, and Corona, California.
60GF Score
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