Head-To-Head Comparison: First Financial Bankshares (NASDAQ:FFIN) & Chino Commercial Bancorp (OTCMKTS:CCBC)

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

Risk and Volatility

Chino Commercial Bancorp has a beta of 0.18, meaning that its share price is 82% less volatile than the S&P 500. Comparatively, First Financial Bankshares has a beta of 0.86, meaning that its share price is 14% less volatile than the S&P 500.

Valuation and Earnings

This table compares Chino Commercial Bancorp and First Financial Bankshares”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	$25.24 million	2.10	$5.14 million	$1.72	9.59
First Financial Bankshares	$752.91 million	5.99	$223.51 million	$1.72	18.33

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

Analyst Recommendations

This is a breakdown of recent recommendations and price targets for Chino Commercial Bancorp and First Financial Bankshares, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Chino Commercial Bancorp	0	0	0	0	0.00
First Financial Bankshares	0	4	0	0	2.00

First Financial Bankshares has a consensus price target of $38.67, suggesting a potential upside of 22.63%. Given First Financial Bankshares’ stronger consensus rating and higher probable upside, analysts clearly believe First Financial Bankshares is more favorable than Chino Commercial Bancorp.

Institutional & Insider Ownership

69.8% of First Financial Bankshares shares are held by institutional investors. 32.5% of Chino Commercial Bancorp shares are held by insiders. Comparatively, 4.0% of First Financial Bankshares shares are held by 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.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Chino Commercial Bancorp	22.97%	N/A	N/A
First Financial Bankshares	31.01%	14.69%	1.75%

Summary

First Financial Bankshares beats Chino Commercial Bancorp on 11 of the 12 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 First Financial Bankshares

First Financial Bankshares, Inc., through its subsidiaries, provides commercial banking products and services in Texas. The company offers checking, savings and time deposits; automated teller machines, drive-in, and night deposit services; safe deposit facilities, remote deposit capture, internet banking, mobile banking, payroll cards, funds transfer, and performing other customary commercial banking services; securities brokerage services; and trust and wealth management services, including wealth management, estates administration, oil and gas management, testamentary trusts, revocable and irrevocable trusts, and agency accounts. It also provides commercial and industrial, municipal, agricultural, construction and development, farm, residential, and consumer auto and non-auto, as well as non-owner occupied and owner occupied commercial real estate loans. In addition, the company offers advisory and specialized services related to asset management, investing, purchasing, advertising, public relations, and technology services. First Financial Bankshares, Inc. was founded in 1890 and is headquartered in Abilene, Texas.