Chino Commercial Bancorp (OTCMKTS:CCBC) vs. First Horizon (NYSE:FHN) Head to Head Analysis

First Horizon (NYSE:FHN) and Chino Commercial Bancorp (OTCMKTS:CCBC) are both finance companies, but which is the better business? We will contrast the two companies based on the strength of their institutional ownership, analyst recommendations, profitability, valuation, earnings, risk and dividends.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
First Horizon	18.08%	10.93%	1.16%
Chino Commercial Bancorp	22.97%	N/A	N/A

Analyst Ratings

This is a summary of current ratings and recommmendations for First Horizon and Chino Commercial Bancorp, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
First Horizon	0	11	9	1	2.52
Chino Commercial Bancorp	0	0	0	0	0.00

First Horizon currently has a consensus price target of $25.63, indicating a potential upside of 4.00%. Given First Horizon’s stronger consensus rating and higher probable upside, equities analysts clearly believe First Horizon is more favorable than Chino Commercial Bancorp.

Insider and Institutional Ownership

80.3% of First Horizon shares are held by institutional investors. 1.0% of First Horizon shares are held by company insiders. Comparatively, 32.5% of Chino Commercial Bancorp shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.

Earnings & Valuation

This table compares First Horizon and Chino Commercial Bancorp”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
First Horizon	$5.03 billion	2.41	$775.00 million	$1.65	14.94
Chino Commercial Bancorp	$25.24 million	2.19	$5.14 million	$1.81	9.53

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

Risk & Volatility

First Horizon has a beta of 0.61, meaning that its share price is 39% less volatile than the S&P 500. Comparatively, Chino Commercial Bancorp has a beta of 0.09, meaning that its share price is 91% less volatile than the S&P 500.

Summary

First Horizon beats Chino Commercial Bancorp on 12 of the 15 factors compared between the two stocks.

About First Horizon

First Horizon Corporation operates as the bank holding company for First Horizon Bank that provides various financial services. The company operates through Regional Banking and Specialty Banking segments. It offers general banking services for consumers, businesses, financial institutions, and governments. The company also accepts deposits; provides underwriting services for bank-eligible securities and other fixed-income securities by financial subsidiaries; sells loans and derivatives; financial planning; and offers investment and financial advisory services. In addition, it offers mortgage banking; loan syndications; brokerage services; commercial and business banking for business enterprises, consumer banking, and private client and wealth management services; capital markets, professional commercial real estate, mortgage warehouse and asset-based lending, franchise and equipment finance, tax credit finance, energy and healthcare finance, asset management, and corporate and correspondent banking services. Further, the company provides transaction processing services including check clearing services and remittance processing, credit cards, investment, and sale of mutual fund and retail insurances, as well as trust, fiduciary, and agency services. First Horizon Corporation was founded in 1864 and is headquartered in Memphis, Tennessee.

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.