Chino Commercial Bancorp (OTCMKTS:CCBC) & ACNB (NASDAQ:ACNB) Financial Review

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

Valuation & Earnings

This table compares ACNB and Chino Commercial Bancorp”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
ACNB	$141.43 million	3.63	$31.85 million	$3.27	15.11
Chino Commercial Bancorp	$25.24 million	2.11	$5.14 million	$1.81	9.17

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

Profitability

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

	Net Margins	Return on Equity	Return on Assets
ACNB	18.47%	11.58%	1.42%
Chino Commercial Bancorp	22.97%	N/A	N/A

Institutional & Insider Ownership

32.3% of ACNB shares are owned by institutional investors. 3.5% of ACNB shares are owned by company insiders. Comparatively, 32.5% of Chino Commercial Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.

Risk & Volatility

ACNB has a beta of 0.87, indicating that its share price is 13% less volatile than the S&P 500. Comparatively, Chino Commercial Bancorp has a beta of 0.09, indicating that its share price is 91% less volatile than the S&P 500.

Analyst Ratings

This is a breakdown of recent ratings and target prices for ACNB and Chino Commercial Bancorp, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
ACNB	0	1	2	1	3.00
Chino Commercial Bancorp	0	0	0	0	0.00

ACNB presently has a consensus target price of $48.67, suggesting a potential downside of 1.48%. Given ACNB’s stronger consensus rating and higher probable upside, equities analysts clearly believe ACNB is more favorable than Chino Commercial Bancorp.

Summary

ACNB beats Chino Commercial Bancorp on 13 of the 15 factors compared between the two stocks.

About ACNB

ACNB Corporation, a financial holding company, offers banking, insurance, and financial services to individual, business, and government customers in the United States. The company provides checking, savings, and money market deposit accounts, as well as time deposits and debit cards. It also offers commercial lending products, such as commercial mortgages, real estate development and construction loans, accounts receivable and inventory financing, and agricultural and governmental loans; consumer lending products, including home equity loans and lines of credit, automobile and recreational vehicle loans, manufactured housing loans, and personal lines of credit; and mortgage lending programs include personal residential mortgages, and residential construction and investment mortgage loans. In addition, the company provides other services that are related to testamentary trusts, life insurance trusts, charitable remainder trusts, guardianships, powers of attorney, custodial accounts, and investment management and advisory accounts; and retail brokerage services. Further, it acts as a trustee to invest in, protect, manage, and distribute financial assets. Additionally, the company offers property and casualty, health, life, and disability insurance products to commercial and personal clients; and online, telephone, and mobile banking, as well as automated teller machine services. ACNB Corporation was founded in 1857 and is headquartered in Gettysburg, Pennsylvania.

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.