Chino Commercial BancorpCCBC -5.33%58 OCF Margin % is 28.00% as of Dec. 2025, which is 2% above its 10-year median of 27.45. 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 1,504 Banks companies, Chino Commercial Bancorp ranks worse than 52.79% on this metric.
* 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 OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Chino Commercial Bancorp's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Chino Commercial Bancorp's OCF 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 OCF Margin % of 28.00% as of Dec. 2025. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Chino Commercial Bancorp and its competitors. This is near median its historical median of 27.45. Over the past decade, Chino Commercial Bancorp's OCF Margin % has ranged from 15.46 to 42.56. According to the industry distribution chart, Chino Commercial Bancorp ranks #794 out of 1504 companies in the Banks industry, placing it in the top 52.8%.
Is Chino Commercial Bancorp's OCF Margin % too high?
Chino Commercial Bancorp's current OCF Margin % of 28.00% is near median its 10-year median of 27.45. Over the past 10 years, this metric has ranged from a low of 15.46 to a high of 42.56. The Banks industry median OCF Margin % is 29.45. Chino Commercial Bancorp's value of 28.00% is 4.9% below this industry median. Based on the distribution chart, Chino Commercial Bancorp ranks #794 out of 1504 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 OCF Margin % compare to FBTT and HCBN?
According to the Banks industry distribution chart, Chino Commercial Bancorp ranks #794 out of 1504 companies for OCF Margin %. This places Chino Commercial Bancorp in the lower half of its industry. The industry median OCF Margin % is 29.45. Chino Commercial Bancorp's value of 28.00% is 4.9% below this benchmark. Historically, Chino Commercial Bancorp's own OCF Margin % has ranged from 15.46 to 42.56 over the past decade. While the company's 10-year median is 27.45 vs. the industry median of 29.45, Chino Commercial Bancorp has consistently been below 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.45, based on 1,504 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Chino Commercial Bancorp's current OCF Margin % of 28.00% is 4.9% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Chino Commercial Bancorp and its competitors. For the Banks industry, the median OCF Margin % is 29.45 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Chino Commercial Bancorp's current OCF Margin % is 28.00%, which is near median its own 10-year median of 27.45. 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 OCF Margin % is 28.00%, which is near median its 10-year median of 27.45 and 4.9% below the Banks industry median of 29.45. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Chino Commercial Bancorp (CCBC), the current OCF Margin % is 28.00% 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 $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:
OCF Margin %: 28.00% (near median its 10-year median of 27.45)
GF Value™: $12.79 vs. price of $17.75 (38.8% above fair value)
Industry Position: 4.9% below the Banks median (#794 of 1504)
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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