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Chino Commercial Bancorp (OTCPK:CCBC) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Chino Commercial Bancorp Net Margin % Related Terms
Chino Commercial Bancorp Net Margin % 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 Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Chino Commercial Bancorp's Net Margin % distribution charts can be found below:
* The bar in red indicates where Chino Commercial Bancorp's Net Margin % falls into.
* 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 Net Margin % of 0.00% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Chino Commercial Bancorp and its competitors. Over the past decade, Chino Commercial Bancorp's Net Margin % has ranged from 5.66 to 33.76. According to the industry distribution chart, Chino Commercial Bancorp ranks #435 out of 1523 companies in the Banks industry, placing it in the top 28.6%.
Is Chino Commercial Bancorp's Net Margin % too high?
Chino Commercial Bancorp's current Net Margin % is 0.00%. Over the past 10 years, this metric has ranged from a low of 5.66 to a high of 33.76. Based on the distribution chart, Chino Commercial Bancorp ranks #435 out of 1523 companies in the Banks industry, which is above the industry midpoint. Overall, Chino Commercial Bancorp has a GF Score™ of 57/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Chino Commercial Bancorp's Net Margin % compare to SMAL and MNMB?
According to the Banks industry distribution chart, Chino Commercial Bancorp ranks #435 out of 1523 companies for Net Margin %. This puts Chino Commercial Bancorp in the upper half of its industry. The industry median Net Margin % is 27.30. Historically, Chino Commercial Bancorp's own Net Margin % has ranged from 5.66 to 33.76 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 27.30, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Chino Commercial Bancorp and its competitors. For the Banks industry, the median Net Margin % is 27.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Chino Commercial Bancorp's current Net Margin % is 0.00%. 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 $12.92, compared to a current price of $18.04 — trading 39.6% above its estimated fair value. The current Net Margin % is 0.00%. Chino Commercial Bancorp's overall GF Score™ is 57/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Chino Commercial Bancorp (CCBC), the current Net Margin % is 0.00% 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 $18.04 is trading 39.6% above its estimated GF Value™ of $12.92.
GuruFocus considers Chino Commercial Bancorp to be Significantly Overvalued.
Key valuation signals for CCBC:
Net Margin %: 0.00%
GF Value™: $12.92 vs. price of $18.04 (39.6% above fair value)
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.
57GF Score
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Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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