Analysis of National Bank (NYSE: NBHC) and Chino Commercial Bancorp (OTCMKTS: CCBC)
Chino Commercial Bancorp (OTCMKTS: CCBC – Get a rating) and National Bank (NYSE: NBHC – Get a rating) are both finance companies, but which is the better stock? We’ll compare the two companies based on earnings strength, risk, valuation, profitability, institutional ownership, dividends, and analyst recommendations.
Insider and Institutional Ownership
5.8% of Chino Commercial Bancorp shares are held by institutional investors. In comparison, 97.6% of National Bank shares are held by institutional investors. 32.5% of Chino Commercial Bancorp shares are held by insiders. By comparison, 4.8% of National Bank shares are held by insiders. Strong institutional ownership indicates that hedge funds, endowments, and large fund managers believe a company is poised for long-term growth.
This table compares the net margins, return on equity and return on assets of Chino Commercial Bancorp and National Bank.
|Net margins||Return on equity||return on assets|
|Chino Commercial Bancorp||24.60%||N / A||N / A|
This is a summary of recent ratings and recommendations for Chino Commercial Bancorp and National Bank, as reported by MarketBeat.
|Sales Ratings||Hold odds||Buy reviews||Strong buy odds||Rating|
|Chino Commercial Bancorp||0||0||0||0||N / A|
National Bank has a consensus price target of $45.33, suggesting upside potential of 16.69%. Given National Bank’s likely higher upside, analysts clearly believe National Bank is more favorable than Chino Commercial Bancorp.
Volatility and risk
Chino Commercial Bancorp has a beta of 0.7, indicating that its stock price is 30% less volatile than the S&P 500. In comparison, National Bank has a beta of 0.9, indicating that its stock price is its stock is 10% less volatile than the S&P 500.
Benefits and evaluation
This table compares the revenue, earnings per share and valuation of Chino Commercial Bancorp and National Bank.
|Gross revenue||Price/sales ratio||Net revenue||Earnings per share||Price/earnings ratio|
|Chino Commercial Bancorp||$13.07 million||2.36||$3.13 million||$1.19||9.66|
|National Bank||$311.33 million||3.75||$93.61 million||$2.75||14.13|
National Bank has higher revenue and profit than Chino Commercial Bancorp. Chino Commercial Bancorp trades at a lower price-to-earnings ratio than National Bank, indicating that it is currently the more affordable of the two stocks.
National Bank beats Chino Commercial Bancorp on 12 out of 13 factors compared between the two stocks.
About Chino Commercial Bancorp (Get a rating)
Chino Commercial Bancorp operates as a bank holding company for Chino Commercial Bank, NA which 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, checking and savings accounts, certificates of deposit and individual retirement accounts. It also provides commercial lending products, such as lines of credit, letters of credit, term loans and equipment loans, commercial real estate loans, accounts receivable financing, factoring, rental of equipment and other working capital financing; auto, home equity and home improvement lines of credit, and personal lines of credit; and real estate lending products including construction loans, land loans, residential real estate brokerage, commercial real estate conduit sales, mini-perm commercial real estate and residential mortgages. In addition, the company offers credit and debit cards, cashier’s checks, courier, direct deposit, remote deposit capture, electronic statement, electronic tax payment, overnight deposit, a notary, a safe, a savings voucher, bank transfer, stop payment and cash management, as well as online, telephone and mobile banking. It operates full-service branches in Chino, Ontario, Rancho Cucamonga and Upland, California. Chino Commercial Bancorp was founded in 1999 and is based in Chino, California.
About National Bank (Get a rating)
National Bank Holdings Corporation operates as a bank holding company for NBH Bank which provides various banking products and financial services to commercial, business and consumer customers in the United States. It offers deposit products, including checking, savings, money market and other deposit accounts, including fixed rate and fixed term deposits. The Company also offers commercial and industrial loans and leases, such as working capital loans, equipment loans, lender financing loans, food and agricultural loans, government and non-profit loans, owner-occupied commercial real estate loans and other commercial loans and leases; non-owner occupied commercial real estate loans consisting of loans on commercial properties, such as office buildings, warehouse/distribution buildings, multi-family, hospitality and retail properties; small business administration loans to support manufacturers, distributors and service providers; term loans, lines of credit and secured real estate loans; residential real estate loans; and consumer loans. In addition, it offers cash management solutions including online and mobile banking, commercial credit cards, wire transfers, automated clearinghouse, electronic bill payment, lockbox, cash capture remote deposits, merchant processing, vault, controlled disbursements and fraud prevention services, as well as other ancillary services including account reconciliation, collections, redemption accounts, zero balance accounts and transfer accounts. As of January 20, 2022, the company operated through a network of 81 banking centers located in Colorado, the greater Kansas City area, New Mexico, Utah and Texas. It also operates 121 ATMs. The company was previously known as NBH Holdings Corp. and changed its name to National Bank Holdings Corporation in March 2012. National Bank Holdings Corporation was incorporated in 2009 and is headquartered in Greenwood Village, Colorado.
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