Analyzing Chino Commercial Bancorp (OTCMKTS:CCBC) and BOK Financial (BOKF)

BOK Financial (NASDAQ:BOKF) and Chino Commercial Bancorp (OTCMKTS:CCBC) are both finance companies, but which is the better investment? We will contrast the two businesses based on the strength of their risk, valuation, analyst recommendations, institutional ownership, earnings, profitability and dividends.

Analyst Ratings

This is a summary of recent recommendations for BOK Financial and Chino Commercial Bancorp, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
BOK Financial 0 5 4 0 2.44
Chino Commercial Bancorp 0 0 0 0 N/A

BOK Financial presently has a consensus price target of $101.72, indicating a potential upside of 17.88%. Given BOK Financial’s higher probable upside, equities analysts clearly believe BOK Financial is more favorable than Chino Commercial Bancorp.

Institutional and Insider Ownership

39.2% of BOK Financial shares are owned by institutional investors. 54.9% of BOK Financial shares are owned by insiders. Comparatively, 32.5% of Chino Commercial Bancorp shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.

Earnings and Valuation

This table compares BOK Financial 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
BOK Financial $1.85 billion 3.35 $445.65 million $6.78 12.73
Chino Commercial Bancorp $9.69 million N/A $2.23 million N/A N/A

BOK Financial has higher revenue and earnings than Chino Commercial Bancorp.

Risk and Volatility

BOK Financial has a beta of 1.22, meaning that its stock price is 22% more volatile than the S&P 500. Comparatively, Chino Commercial Bancorp has a beta of 0.34, meaning that its stock price is 66% less volatile than the S&P 500.

Dividends

BOK Financial pays an annual dividend of $2.00 per share and has a dividend yield of 2.3%. Chino Commercial Bancorp does not pay a dividend. BOK Financial pays out 29.5% of its earnings in the form of a dividend. BOK Financial has increased its dividend for 14 consecutive years.

Profitability

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

Net Margins Return on Equity Return on Assets
BOK Financial 24.15% 12.04% 1.32%
Chino Commercial Bancorp 23.02% N/A N/A

Summary

BOK Financial beats Chino Commercial Bancorp on 13 of the 14 factors compared between the two stocks.

About BOK Financial

BOK Financial Corporation operates as the financial holding company for BOKF, NA that provides various financial products and services in Oklahoma, Texas, New Mexico, Northwest Arkansas, Colorado, Arizona, and Kansas/Missouri. It operates through three segments: Commercial Banking, Consumer Banking, and Wealth Management. The Commercial Banking segment offers lending, treasury, and cash management services, as well as customer risk management products for small businesses, middle market, and larger commercial customers. This segment also operates TransFund electronic funds network. The Consumer Banking segment provides lending and deposit services to small business customers through the retail branch network; and mortgage banking services. The Wealth Management segment offers fiduciary, private banking, and investment advisory services; and brokerage and trading services, as well as underwrites state and municipal securities. The company also provides commercial loans, such as loans for working capital, facilities acquisition or expansion, purchases of equipment, and other needs of commercial customers; and service, healthcare, wholesale/retail sector, and energy sector loans. In addition, it offers commercial real estate loans for the construction of buildings or other enhancements to real estate and property held by borrowers for investment purposes; and residential mortgage, personal, and home equity loans. Further, the company provides automated teller machine (ATM), call center, and Internet and mobile banking services. As of December 31, 2018, it operated 2,426 TransFund ATM locations. BOK Financial Corporation was founded in 1910 and is headquartered in Tulsa, Oklahoma.

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, checking and savings accounts, certificates of deposit, and individual retirement accounts. It also provides commercial loan products, such as lines of credit, letters of credit, term loans and equipment loans, commercial real estate loans, accounts receivable financing, factoring, equipment leasing, and other working capital financing; auto, home equity and home improvement lines of credit, and personal lines of credit; and real estate loan products comprising construction loans, lot loans, residential real estate brokerage, commercial real estate conduit sales, mini-perm commercial real estates, and home mortgages. In addition, the company offers credit and debit card, cashier's checks, courier, direct deposit, remote deposit capture, e-statement, electronic tax payment, night depository, notary, safe deposit box, savings bond, wire transfer, stop payment, and cash management, as well as online, telephone, and mobile banking services. It operates full-service branches in Chino, Ontario, and Rancho Cucamonga. The company was founded in 1999 and is headquartered in Chino, California.

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