Contrasting PCB Bancorp (NASDAQ:PCB) and Chino Commercial Bancorp (OTCMKTS:CCBC)

PCB Bancorp (NASDAQ:PCB) and Chino Commercial Bancorp (OTCMKTS:CCBC) are both small-cap finance companies, but which is the superior investment? We will compare the two businesses based on the strength of their earnings, analyst recommendations, dividends, institutional ownership, valuation, risk and profitability.

Volatility and Risk

PCB Bancorp has a beta of 0.5, suggesting that its share price is 50% less volatile than the S&P 500. Comparatively, Chino Commercial Bancorp has a beta of 0.08, suggesting that its share price is 92% less volatile than the S&P 500.

Earnings and Valuation

This table compares PCB Bancorp and Chino Commercial Bancorp”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
PCB Bancorp	$209.37 million	1.95	$37.45 million	$2.78	10.32
Chino Commercial Bancorp	$25.55 million	2.67	$5.84 million	$1.67	10.63

PCB Bancorp has higher revenue and earnings than Chino Commercial Bancorp. PCB Bancorp is trading at a lower price-to-earnings ratio than Chino Commercial Bancorp, indicating that it is currently the more affordable of the two stocks.

Analyst Recommendations

This is a summary of recent recommendations and price targets for PCB Bancorp and Chino Commercial Bancorp, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
PCB Bancorp	0	3	0	1	2.50
Chino Commercial Bancorp	0	0	0	0	0.00

PCB Bancorp currently has a consensus price target of $25.50, indicating a potential downside of 11.09%. Given PCB Bancorp’s stronger consensus rating and higher probable upside, research analysts clearly believe PCB Bancorp is more favorable than Chino Commercial Bancorp.

Institutional and Insider Ownership

33.0% of PCB Bancorp shares are held by institutional investors. 27.0% of PCB Bancorp shares are held by insiders. Comparatively, 32.5% of Chino Commercial Bancorp shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

Profitability

This table compares PCB Bancorp and Chino Commercial Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
PCB Bancorp	19.03%	12.70%	1.21%
Chino Commercial Bancorp	24.09%	N/A	N/A

Summary

PCB Bancorp beats Chino Commercial Bancorp on 10 of the 14 factors compared between the two stocks.

About PCB Bancorp

PCB Bancorp operates as the bank holding company for PCB Bank that provides various banking products and services to small to medium-sized businesses, individuals, and professionals in Southern California. The company offers demand, savings, money market, and time deposits, as well as certificates of deposit; and trade finance, remote deposit capture, courier deposit services, positive pay services, zero balance accounts, and sweep accounts. It also provides real estate loans, including commercial and residential, Small Business Administration (SBA) property, and construction loans; commercial and industrial loans, such as commercial term and lines of credit, SBA commercial term, and SBA Paycheck Protection Program loans; and consumer loans comprising residential mortgage; and automobile loans, unsecured lines of credit, and term loans. In addition, the company offers access to account balances, online transfers, and online bill payment and electronic delivery of customer statements; and mobile banking solutions that include remote check deposit and mobile bill pay. Further, it provides automated teller machines; and banking by telephone, mail, personal appointment, debit cards, direct deposit, and cashier's checks, as well as treasury management, wire transfer, and automated clearing house services. The company operates through a network of full-service branches in Los Angeles and Orange counties, California; Carrollton and Dallas, Texas; and Englewood Cliffs and Palisade Park, New Jersey, and Bayside, New York. It also operates loan production offices in Los Angeles and Orange Counties, California; Annandale, Virginia; Atlanta, Georgia; Bellevue, Washington; Aurora, Colorado; and Carrollton, Texas. The company was formerly known as Pacific City Financial Corporation and changed its name to PCB Bancorp in July 2019. PCB Bancorp was founded in 2003 and is headquartered in Los Angeles, California.

About Chino Commercial Bancorp

Chino Commercial Bancorp operates as the bank holding company for Chino Commercial Bank, N.A. that provides commercial banking services to individuals and small businesses primarily in the Inland Empire region of Southern California. The company's deposit products include non-interest bearing deposits, money market accounts, NOW and savings accounts, and certificates of deposit accounts. It also provides loan products, such as one-to-four family residential, residential, construction, commercial real estate, and commercial and industrial loans, as well as loans to individuals for overdraft protection and personal lines of credit. In addition, the company offers credit and debit card, wire transfer, and online and mobile banking services. It operates full-service branches in Chino, Ontario, Rancho Cucamonga, and Upland, California. The company was founded in 1999 and is headquartered in Chino, California.