Chino Commercial Bancorp (OTCMKTS:CCBC) versus OP Bancorp (NASDAQ:OPBK) Financial Contrast

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

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Chino Commercial Bancorp	22.88%	N/A	N/A
OP Bancorp	14.42%	11.09%	0.94%

Valuation & Earnings

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

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Chino Commercial Bancorp	$25.55 million	2.17	$5.84 million	$1.82	9.48
OP Bancorp	$154.05 million	1.38	$21.07 million	$1.57	9.12

OP Bancorp has higher revenue and earnings than Chino Commercial Bancorp. OP 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.

Volatility & Risk

Chino Commercial Bancorp has a beta of 0.09, indicating that its share price is 91% less volatile than the S&P 500. Comparatively, OP Bancorp has a beta of 0.68, indicating that its share price is 32% less volatile than the S&P 500.

Analyst Ratings

This is a breakdown of current ratings for Chino Commercial Bancorp and OP Bancorp, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Chino Commercial Bancorp	0	0	0	0	0.00
OP Bancorp	0	3	1	0	2.25

OP Bancorp has a consensus price target of $16.50, suggesting a potential upside of 15.22%. Given OP Bancorp’s stronger consensus rating and higher probable upside, analysts plainly believe OP Bancorp is more favorable than Chino Commercial Bancorp.

Insider & Institutional Ownership

53.6% of OP Bancorp shares are held by institutional investors. 32.5% of Chino Commercial Bancorp shares are held by company insiders. Comparatively, 20.4% of OP Bancorp shares are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

Summary

OP Bancorp beats Chino Commercial Bancorp on 9 of the 14 factors compared between the two stocks.

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.

About OP Bancorp

OP Bancorp operates as the bank holding company for Open Bank that provides banking products and services in California. It offers demand, checking, savings, money market, and time deposit accounts, as well as certificates of deposit. The company also provides commercial real estate, small business administration, commercial and industrial business, single-family residential, term, consumer, and home mortgage loans; trade financing products; and letters of credit, and SWIFT and export advice. In addition, it offers debit and credit card, online transfer and bill payment, electronic delivery of customer statements, and mobile banking solutions for iPhone and Android phones, including remote check deposit with mobile bill pay; direct deposits, cashier's checks, person to person payments, wire transfers, and automated clearing house (ACH) services; and cash management services, including balance reporting, transfers between accounts, wire transfer initiation, ACH origination, and stop payment services, as well as remote deposit capture, positive pay, zero balance accounts, and sweep accounts. The company operates full branch offices in Downtown Los Angeles, Los Angeles Fashion District, Los Angeles Koreatown, Gardena, Buena Park, and Santa Clara in California; and Carrollton, Texas; and operates loan production offices in Pleasanton, California; Atlanta, Georgia; Aurora, Colorado; and Lynnwood in Washington. The company was founded in 2005 and is headquartered in Los Angeles, California.