Chino Commercial BancorpCCBC -5.33%58 ROE % is 12.78% as of Dec. 2025, which is 7% above its 10-year median of 11.90. 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 1,528 Banks companies, Chino Commercial Bancorp ranks better than 68.06% on this metric.
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is one times the annual (Dec. 2025) net income data. The Revenue data used here is one times the annual (Dec. 2025) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
* 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Chino Commercial Bancorp's ROE % distribution charts can be found below:
* The bar in red indicates where Chino Commercial Bancorp's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder equity 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.
ROE % is displayed in the 30-year financial page.
Chino Commercial Bancorp (CCBC) has a ROE % of 12.78% as of Dec. 2025. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Chino Commercial Bancorp and its competitors. This is near median its historical median of 11.90. Over the past decade, Chino Commercial Bancorp's ROE % has ranged from 4.52 to 15.43. According to the industry distribution chart, Chino Commercial Bancorp ranks #488 out of 1528 companies in the Banks industry, placing it in the top 31.9%.
Is Chino Commercial Bancorp's ROE % too high?
Chino Commercial Bancorp's current ROE % of 12.78% is near median its 10-year median of 11.90. Over the past 10 years, this metric has ranged from a low of 4.52 to a high of 15.43. The Banks industry median ROE % is 10.23. Chino Commercial Bancorp's value of 12.78% is 25% above this industry median. Based on the distribution chart, Chino Commercial Bancorp ranks #488 out of 1528 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 ROE % compare to FBTT and HCBN?
According to the Banks industry distribution chart, Chino Commercial Bancorp ranks #488 out of 1528 companies for ROE %. This puts Chino Commercial Bancorp in the upper half of its industry. The industry median ROE % is 10.23. Chino Commercial Bancorp's value of 12.78% is 25% above this benchmark. Historically, Chino Commercial Bancorp's own ROE % has ranged from 4.52 to 15.43 over the past decade. While the company's 10-year median is 11.90 vs. the industry median of 10.23, 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.23, based on 1,528 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Chino Commercial Bancorp's current ROE % of 12.78% is 25% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Chino Commercial Bancorp and its competitors. For the Banks industry, the median ROE % is 10.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Chino Commercial Bancorp's current ROE % is 12.78%, which is near median its own 10-year median of 11.90. 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 ROE % is 12.78%, which is near median its 10-year median of 11.90 and 25% above the Banks industry median of 10.23. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Chino Commercial Bancorp (CCBC), the current ROE % is 12.78% 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:
ROE %: 12.78% (near median its 10-year median of 11.90)
GF Value™: $12.79 vs. price of $17.75 (38.8% above fair value)
Industry Position: 25% above the Banks median (#488 of 1528)
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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