CCBC (Chino Commercial Bancorp) Margin of Safety % (DCF Earnings Based): 62.56% (As of Jul. 12, 2026)


CCBC Chino Commercial Bancorp CCBC
58 GF Score
Price $17.75
GF Value $12.79
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Chino Commercial Bancorp Margin of Safety % (DCF Earnings Based)?

Chino Commercial Bancorp CCBC -5.33% 58 Margin of Safety % (DCF Earnings Based) is 62.56% as of Jul. 12, 2026. 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.

Margin of Safety % (DCF Earnings Based) = (Intrinsic Value: DCF (Earnings Based) - Current Price) / Intrinsic Value: DCF (Earnings Based).

Note: Discounted Earnings model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

As of today (2026-07-12), Chino Commercial Bancorp's Predictability Rank is 4-Stars. Chino Commercial Bancorp's intrinsic value calculated from the Discounted Earnings model is $47.41 and current share price is $17.75. Consequently,

Chino Commercial Bancorp's Margin of Safety % (DCF Earnings Based) using Discounted Earnings model is 62.56%.

CCBC vs FBTT, HCBN, OPHC: Margin of Safety % (DCF Earnings Based) Comparison

For the Banks - Regional subindustry, Chino Commercial Bancorp's Margin of Safety % (DCF Earnings Based), along with its competitors' market caps and Margin of Safety % (DCF Earnings Based) 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 Margin of Safety % (DCF Earnings Based) vs Banks Industry

For the Banks industry and Financial Services sector, Chino Commercial Bancorp's Margin of Safety % (DCF Earnings Based) distribution charts can be found below:

* The bar in red indicates where Chino Commercial Bancorp's Margin of Safety % (DCF Earnings Based) falls into.


CCBC
58GF Score
Chino Commercial Bancorp CCBC
Margin of Safety % (DCF Earnings Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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Chino Commercial Bancorp Margin of Safety % (DCF Earnings Based) Calculation

Chino Commercial Bancorp's Margin of Safety % (DCF Earnings Based) for today is calculated as

Margin of Safety % (DCF Earnings Based)=(Intrinsic Value: DCF (Earnings Based)-Current Price)/Intrinsic Value: DCF (Earnings Based)
=(47.41-17.75)/47.41
=62.56 %

* 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.

The intrinsic value is calculated from the Discounted Earnings model with default parameters. The calculation method is the same as Discounted Cash Flow model except earnings are used in the calculation instead of free cash flow.

What does a Margin of Safety % (DCF Earnings Based) of 62.56% mean?
Chino Commercial Bancorp (CCBC) has a Margin of Safety % (DCF Earnings Based) of 62.56% as of Jul. 12, 2026. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on Chino Commercial Bancorp.
Is Chino Commercial Bancorp's Margin of Safety % (DCF Earnings Based) too high?
Chino Commercial Bancorp's current Margin of Safety % (DCF Earnings Based) is 62.56%. 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 Margin of Safety % (DCF Earnings Based) compare to FBTT and HCBN?
Chino Commercial Bancorp's Margin of Safety % (DCF Earnings Based) of 62.56% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Margin of Safety % (DCF Earnings Based) for a Banks company?
A good Margin of Safety % (DCF Earnings Based) depends on the Banks industry context. However, Margin of Safety % (DCF Earnings Based) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Margin of Safety % (DCF Earnings Based) mean?
A high Margin of Safety % (DCF Earnings Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on Chino Commercial Bancorp. Chino Commercial Bancorp's current Margin of Safety % (DCF Earnings Based) is 62.56%. 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 Margin of Safety % (DCF Earnings Based) is 62.56%. 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 Margin of Safety % (DCF Earnings Based) calculated?
Margin of Safety % (DCF Earnings Based) is calculated from a company's financial statements. For Chino Commercial Bancorp (CCBC), the current Margin of Safety % (DCF Earnings Based) is 62.56% 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:

  • Margin of Safety % (DCF Earnings Based): 62.56%
  • GF Value™: $12.79 vs. price of $17.75 (38.8% above fair value)
  • GF Score™: 58/100 with 6 warning signs

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 Business Description

Address 14245 Pipeline Avenue, Chino, CA, USA, 91710
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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Margin of Safety % (DCF Earnings Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$17.75
Price
$12.79
GF Value