Chino Commercial BancorpCCBC -5.33%58 Return-on-Tangible-Asset is 1.22% as of Dec. 2025, which is 16% above its 10-year median of 1.05. 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 1,532 Banks companies, Chino Commercial Bancorp ranks better than 64.56% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Chino Commercial Bancorp's annualizedNet Income for the quarter that ended in Dec. 2025 was $5.85 Mil. Chino Commercial Bancorp's average total tangible assets for the quarter that ended in Dec. 2025 was $480.42 Mil. Therefore, Chino Commercial Bancorp's annualized Return-on-Tangible-Asset for the quarter that ended in Dec. 2025 was 1.22%.
The historical rank and industry rank for Chino Commercial Bancorp's Return-on-Tangible-Asset or its related term are showing as below:
CCBC'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.28 Med: 1.05 Max: 1.48
Current: 1.22
During the past 13 years, Chino Commercial Bancorp's highest Return-on-Tangible-Asset was 1.48%. The lowest was 0.28%. And the median was 1.05%.
CCBC's Return-on-Tangible-Asset is ranked better than 64.56% of 1532
companies
in the Banks industry
Industry Median: 0.99
vs CCBC: 1.22
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Chino Commercial Bancorp Return-on-Tangible-Asset Related Terms
Chino Commercial Bancorp Return-on-Tangible-Asset Historical Data
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The historical data trend for Chino Commercial Bancorp's Return-on-Tangible-Asset can be seen below:
* 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.
CCBC vs FBTT, HCBN, OPHC: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, Chino Commercial Bancorp's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Chino Commercial Bancorp's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Chino Commercial Bancorp's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is one times the annual (Dec. 2025) net income data.
What does a Return-on-Tangible-Asset of 1.22% mean?
Chino Commercial Bancorp (CCBC) has a Return-on-Tangible-Asset of 1.22% as of Dec. 2025. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Chino Commercial Bancorp and its competitors. This is 16% above median its historical median of 1.05. Over the past decade, Chino Commercial Bancorp's Return-on-Tangible-Asset has ranged from 0.28 to 1.48. According to the industry distribution chart, Chino Commercial Bancorp ranks #543 out of 1532 companies in the Banks industry, placing it in the top 35.4%.
Is Chino Commercial Bancorp's Return-on-Tangible-Asset too high?
Chino Commercial Bancorp's current Return-on-Tangible-Asset of 1.22% is 16% above median its 10-year median of 1.05. Over the past 10 years, this metric has ranged from a low of 0.28 to a high of 1.48. The Banks industry median Return-on-Tangible-Asset is 0.99. Chino Commercial Bancorp's value of 1.22% is 23.2% above this industry median. Based on the distribution chart, Chino Commercial Bancorp ranks #543 out of 1532 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 Return-on-Tangible-Asset compare to FBTT and HCBN?
According to the Banks industry distribution chart, Chino Commercial Bancorp ranks #543 out of 1532 companies for Return-on-Tangible-Asset. This puts Chino Commercial Bancorp in the upper half of its industry. The industry median Return-on-Tangible-Asset is 0.99. Chino Commercial Bancorp's value of 1.22% is 23.2% above this benchmark. Historically, Chino Commercial Bancorp's own Return-on-Tangible-Asset has ranged from 0.28 to 1.48 over the past decade. While the company's 10-year median is 1.05 vs. the industry median of 0.99, 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 0.99, based on 1,532 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Chino Commercial Bancorp's current Return-on-Tangible-Asset of 1.22% is 23.2% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Chino Commercial Bancorp and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 0.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Chino Commercial Bancorp's current Return-on-Tangible-Asset is 1.22%, which is 16% above median its own 10-year median of 1.05. 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 Return-on-Tangible-Asset is 1.22%, which is 16% above median its 10-year median of 1.05 and 23.2% above the Banks industry median of 0.99. 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 Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Chino Commercial Bancorp (CCBC), the current Return-on-Tangible-Asset is 1.22% 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:
Return-on-Tangible-Asset: 1.22% (16% above median its 10-year median of 1.05)
GF Value™: $12.79 vs. price of $17.75 (38.8% above fair value)
Industry Position: 23.2% above the Banks median (#543 of 1532)
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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