Head-To-Head Review: Park National (NYSE:PRK) versus Chino Commercial Bancorp (OTCMKTS:CCBC)
Park National (NYSE:PRK – Get Rating) and Chino Commercial Bancorp (OTCMKTS:CCBC – Get Rating) are both finance companies, but which is the superior business? We will compare the two businesses based on the strength of their analyst recommendations, risk, earnings, institutional ownership, valuation, dividends and profitability.
Earnings and Valuation
This table compares Park National and Chino Commercial Bancorp’s top-line revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Park National||$475.80 million||4.14||$153.95 million||$9.15||13.26|
|Chino Commercial Bancorp||$13.07 million||2.35||$3.13 million||$1.19||9.62|
Park National has higher revenue and earnings than Chino Commercial Bancorp. Chino Commercial Bancorp is trading at a lower price-to-earnings ratio than Park National, indicating that it is currently the more affordable of the two stocks.
This table compares Park National and Chino Commercial Bancorp’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Chino Commercial Bancorp||24.60%||N/A||N/A|
Volatility & Risk
Park National has a beta of 0.79, indicating that its share price is 21% less volatile than the S&P 500. Comparatively, Chino Commercial Bancorp has a beta of 0.7, indicating that its share price is 30% less volatile than the S&P 500.
This is a summary of current ratings for Park National and Chino Commercial Bancorp, as reported by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Chino Commercial Bancorp||0||0||0||0||N/A|
Institutional and Insider Ownership
60.9% of Park National shares are owned by institutional investors. Comparatively, 5.8% of Chino Commercial Bancorp shares are owned by institutional investors. 2.5% of Park National 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 will outperform the market over the long term.
Park National beats Chino Commercial Bancorp on 9 of the 10 factors compared between the two stocks.
About Park National (Get Rating)
Park National Corporation operates as the bank holding company for Park National Bank that provides commercial banking and trust services in small and medium population areas. The company offers deposits for demand, savings, and time accounts; trust and wealth management services; cash management services; safe deposit operations; electronic funds transfers; Internet and mobile banking solutions with bill pay service; credit cards; and various additional banking-related services for individual customers. It also provides commercial loans, including financing for industrial and commercial properties, financing for equipment, inventory and accounts receivable, acquisition financing, and commercial leasing, as well as for consumer finance companies; commercial real estate loans comprising mortgage loans to developers and owners of commercial real estate; consumer loans, such as automobile loans and leases; consumer finance services; home equity lines of credit; and residential real estate and construction loans, as well as installment loans and commercial loans. In addition, the company offers aircraft financing and asset management services. As of December 31, 2021, it operated 96 financial service offices and a network of 116 automated teller machines in 26 Ohio counties, 1 Kentucky county, 3 North Carolina counties, and 4 South Carolina counties. The company was founded in 1908 and is headquartered in Newark, Ohio.
About Chino Commercial Bancorp (Get Rating)
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, Rancho Cucamonga, and Upland, California. Chino Commercial Bancorp was founded in 1999 and is headquartered in Chino, California.
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