Chino Commercial Bancorp (OTCMKTS:CCBC – Get Free Report) and Community Bank System (NYSE:CBU – Get Free Report) are both finance companies, but which is the better business? We will compare the two businesses based on the strength of their earnings, institutional ownership, dividends, risk, profitability, analyst recommendations and valuation.
Analyst Ratings
This is a summary of recent ratings for Chino Commercial Bancorp and Community Bank System, 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 |
| Community Bank System | 0 | 1 | 3 | 0 | 2.75 |
Community Bank System has a consensus price target of $59.00, indicating a potential upside of 12.19%. Given Community Bank System’s higher possible upside, analysts clearly believe Community Bank System is more favorable than Chino Commercial Bancorp.
Insider and Institutional Ownership
Valuation and Earnings
This table compares Chino Commercial Bancorp and Community Bank System’s gross revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Chino Commercial Bancorp | $16.10 million | 2.24 | $4.71 million | $1.56 | 7.19 |
| Community Bank System | $702.45 million | 4.02 | $188.08 million | $2.71 | 19.41 |
Community Bank System has higher revenue and earnings than Chino Commercial Bancorp. Chino Commercial Bancorp is trading at a lower price-to-earnings ratio than Community Bank System, indicating that it is currently the more affordable of the two stocks.
Volatility and Risk
Chino Commercial Bancorp has a beta of 0.57, meaning that its stock price is 43% less volatile than the S&P 500. Comparatively, Community Bank System has a beta of 0.58, meaning that its stock price is 42% less volatile than the S&P 500.
Profitability
This table compares Chino Commercial Bancorp and Community Bank System’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Chino Commercial Bancorp | 26.99% | N/A | N/A |
| Community Bank System | 21.64% | 12.33% | 1.25% |
Summary
Community Bank System beats Chino Commercial Bancorp on 11 of the 13 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 Community Bank System
Community Bank System, Inc. operates as the bank holding company for Community Bank, N.A. that provides various banking and other financial services to retail, commercial, and municipal customers. It operates through three segments: Banking, Employee Benefit Services, and All Other. The company offers various deposits products, such as interest and noninterest -bearing checking, savings, and money market deposit accounts, as well as time deposits. It also provides loans, including consumer mortgages; general purpose commercial and industrial loans, and mortgages on commercial properties; paycheck protection program loans; installment loans that are originated through selected dealerships and are secured by automobiles, marine, and other recreational vehicles; personal installment loans and check credit lines of credit for consumers; and home equity products. In addition, the company offers broker-dealer and investment advisory; cash management, investment, and treasury services; asset management services; and employee benefit services, as well as operates as a full-service insurance agency that provides personal and commercial lines of insurance, and other risk management products and services. Further, it offers contribution plan administration, employee benefit trust, collective investment fund, retirement plan administration and benefit consulting, fund administration, transfer agency, actuarial and benefit consulting, VEBA/HRA, and health and welfare consulting services; and act as an investor in residential and commercial real estate activities. Additionally, the company offers wealth management, retirement planning, higher educational planning, fiduciary, risk management, trust, and personal financial planning services; and investment alternatives, including stocks, bonds, mutual funds, and insurance and advisory products, as well as master recordkeeping services. Community Bank System, Inc. was founded in 1866 and is headquartered in DeWitt, New York.
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