Chino Commercial BancorpCCBC -5.33%58 EV-to-FCF is 8.76 as of Jul. 12, 2026, which is 50% above its 10-year median of 5.83. GuruFocus rates CCBC with a GF Score™ of 58/100 and a GF Value™ of $12.79 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,199 Banks companies, Chino Commercial Bancorp ranks worse than 57.21% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Chino Commercial Bancorp's Enterprise Value is $35.62 Mil.
Chino Commercial Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $4.07 Mil. Therefore, Chino Commercial Bancorp's EV-to-FCF for today is 8.76.
The historical rank and industry rank for Chino Commercial Bancorp's EV-to-FCF or its related term are showing as below:
CCBC'
s EV-to-FCF Range Over the Past 10 Years
Min: -22.81 Med: 5.83 Max: 42.96
Current: 8.76
During the past 13 years, the highest EV-to-FCF of Chino Commercial Bancorp was 42.96. The lowest was -22.81. And the median was 5.83.
CCBC's EV-to-FCF is ranked worse than 57.21% of 1199
companies
in the Banks industry
Industry Median: 6.56
vs CCBC: 8.76
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Chino Commercial Bancorp's PE Ratio (TTM) for today is calculated as:
Chino Commercial Bancorp's share price for today is $17.75.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Chino Commercial Bancorp's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $1.517.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Chino Commercial Bancorp EV-to-FCF Related Terms
Chino Commercial Bancorp EV-to-FCF Historical Data
* 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.
For the Banks - Regional subindustry, Chino Commercial Bancorp's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Chino Commercial Bancorp's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Chino Commercial Bancorp's EV-to-FCF falls into.
Chino Commercial Bancorp's current Enterprise Value is $35.62 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Chino Commercial Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $4.07 Mil.
* 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 (CCBC) has a EV-to-FCF of 8.76 as of Jul. 12, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Chino Commercial Bancorp and its competitors. This is 50% above median its historical median of 5.83. According to the industry distribution chart, Chino Commercial Bancorp ranks #686 out of 1199 companies in the Banks industry, placing it in the top 57.2%.
Is Chino Commercial Bancorp's EV-to-FCF too high?
Chino Commercial Bancorp's current EV-to-FCF of 8.76 is 50% above median its 10-year median of 5.83. The Banks industry median EV-to-FCF is 6.56. Chino Commercial Bancorp's value of 8.76 is 33.5% above this industry median. Based on the distribution chart, Chino Commercial Bancorp ranks #686 out of 1199 companies in the Banks industry, which is below the industry midpoint. Overall, Chino Commercial Bancorp has a GF Score™ of 58/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Chino Commercial Bancorp's EV-to-FCF compare to FBTT and HCBN?
According to the Banks industry distribution chart, Chino Commercial Bancorp ranks #686 out of 1199 companies for EV-to-FCF. This places Chino Commercial Bancorp in the lower half of its industry. The industry median EV-to-FCF is 6.56. Chino Commercial Bancorp's value of 8.76 is 33.5% above this benchmark. While the company's 10-year median is 5.83 vs. the industry median of 6.56, Chino Commercial Bancorp has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.56, based on 1,199 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Chino Commercial Bancorp's current EV-to-FCF of 8.76 is 33.5% above 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Chino Commercial Bancorp and its competitors. For the Banks industry, the median EV-to-FCF is 6.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Chino Commercial Bancorp's current EV-to-FCF is 8.76, which is 50% above median its own 10-year median of 5.83. 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 $12.79, compared to a current price of $17.75 — trading 38.8% above its estimated fair value. The current EV-to-FCF is 8.76, which is 50% above median its 10-year median of 5.83 and 33.5% above the Banks industry median of 6.56. Chino Commercial Bancorp's overall GF Score™ is 58/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Chino Commercial Bancorp (CCBC), the current EV-to-FCF is 8.76 as of Jul. 12, 2026. 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 $17.75 is trading 38.8% above its estimated GF Value™ of $12.79.
GuruFocus considers Chino Commercial Bancorp to be Significantly Overvalued.
Key valuation signals for CCBC:
EV-to-FCF: 8.76 (50% above median its 10-year median of 5.83)
GF Value™: $12.79 vs. price of $17.75 (38.8% above fair value)
Industry Position: 33.5% above the Banks median (#686 of 1199)
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.
58GF Score
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