CCBC (Chino Commercial Bancorp) Moat Score: 3/10 (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 Moat Score?

Chino Commercial Bancorp CCBC -5.33% 58 Moat Score is 3 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. Among 1,614 Banks companies, Chino Commercial Bancorp ranks better than 74.54% on this metric.

Chino Commercial Bancorp has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

Chino Commercial Bancorp has No Moat: Chino Commercial Bancorp operates in a highly competitive banking sector with limited differentiation. It lacks significant customer switching costs, brand strength, and proprietary technology, resulting in a weak competitive position with no discernible moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Chino Commercial Bancorp might have No Moat - Very weak/transient advantages.

Chino Commercial Bancorp  (OTCPK:CCBC) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Chino Commercial Bancorp Moat Score Related Terms

CCBC vs FBTT, HCBN, OPHC: Moat Score Comparison

For the Banks - Regional subindustry, Chino Commercial Bancorp's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Chino Commercial Bancorp's Moat Score distribution charts can be found below:

* The bar in red indicates where Chino Commercial Bancorp's Moat Score falls into.


CCBC
58GF Score
Chino Commercial Bancorp CCBC
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
Chino Commercial Bancorp (CCBC) has a Moat Score of 3 as of Jul. 12, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Chino Commercial Bancorp ranks #411 out of 1614 companies in the Banks industry, placing it in the top 25.5%.
Is Chino Commercial Bancorp's Moat Score too high?
Chino Commercial Bancorp's current Moat Score is 3. Based on the distribution chart, Chino Commercial Bancorp ranks #411 out of 1614 companies in the Banks industry, which is above 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 Moat Score compare to FBTT and HCBN?
According to the Banks industry distribution chart, Chino Commercial Bancorp ranks #411 out of 1614 companies for Moat Score. This puts Chino Commercial Bancorp in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Chino Commercial Bancorp's current Moat Score is 3. 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 Moat Score is 3. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Chino Commercial Bancorp (CCBC), the current Moat Score is 3 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:

  • Moat Score: 3
  • 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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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$17.75
Price
$12.79
GF Value