Contrasting Financial Institutions (NASDAQ:FISI) and Chino Commercial Bancorp (CCBC)

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

Institutional and Insider Ownership

7.9% of Chino Commercial Bancorp shares are owned by institutional investors. Comparatively, 71.2% of Financial Institutions shares are owned by institutional investors. 32.5% of Chino Commercial Bancorp shares are owned by insiders. Comparatively, 4.3% of Financial Institutions shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Dividends

Financial Institutions pays an annual dividend of $0.96 per share and has a dividend yield of 3.6%. Chino Commercial Bancorp does not pay a dividend. Financial Institutions pays out 49.5% of its earnings in the form of a dividend. Financial Institutions has increased its dividend for 2 consecutive years.

Profitability

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

Net Margins Return on Equity Return on Assets
Chino Commercial Bancorp 20.56% N/A N/A
Financial Institutions 23.61% 10.93% 0.96%

Valuation & Earnings

This table compares Chino Commercial Bancorp and Financial Institutions’ revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Chino Commercial Bancorp $8.55 million 2.45 $1.57 million N/A N/A
Financial Institutions $164.84 million 2.60 $33.52 million $1.94 13.88

Financial Institutions has higher revenue and earnings than Chino Commercial Bancorp.

Risk & Volatility

Chino Commercial Bancorp has a beta of 0.32, suggesting that its share price is 68% less volatile than the S&P 500. Comparatively, Financial Institutions has a beta of 1.02, suggesting that its share price is 2% more volatile than the S&P 500.

Analyst Ratings

This is a breakdown of current ratings and price targets for Chino Commercial Bancorp and Financial Institutions, 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
Financial Institutions 0 1 1 0 2.50

Financial Institutions has a consensus target price of $35.50, indicating a potential upside of 31.87%. Given Financial Institutions’ higher probable upside, analysts clearly believe Financial Institutions is more favorable than Chino Commercial Bancorp.

Summary

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

Chino Commercial Bancorp Company Profile

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, checking and savings accounts, certificates of deposit, and individual retirement accounts. It also provides commercial loan products, such as lines of credit, letters of credit, term loans and equipment loans, commercial real estate loans, accounts receivable financing, factoring, equipment leasing, and other working capital financing; auto, home equity and home improvement lines of credit, and personal lines of credit; and real estate loan products comprising construction loans, lot loans, residential real estate brokerage, commercial real estate conduit sales, mini-perm commercial real estates, and home mortgages. In addition, the company offers credit and debit card, cashier's checks, courier, direct deposit, remote deposit capture, e-statement, electronic tax payment, night depository, notary, safe deposit box, savings bond, wire transfer, stop payment, and cash management, as well as online, telephone, and mobile banking services. It operates full-service branches in Chino, Ontario, and Rancho Cucamonga. The company was founded in 1999 and is headquartered in Chino, California.

Financial Institutions Company Profile

Financial Institutions, Inc. operates as the holding company for Five Star Bank that provides banking and financial services to individuals, municipalities, and businesses. It operates in two segments, Banking and Non-Banking. The company offers checking and savings account programs, including money market accounts, certificates of deposit, and sweep investments, as well as individual retirement and other qualified plan accounts. It also provides short and medium-term commercial loans for working capital, business expansion, and purchase of equipment; commercial business loans to the agricultural industry for short-term crop production, farm equipment, and livestock financing; commercial mortgage loans to finance the purchase of real property; and one-to-four family residential mortgage loans, home improvement loans, closed-end home equity loans, and home equity lines of credit, as well as consumer loans, such as automobile, recreational vehicle, boat, personal, and deposit account collateralized loans. In addition, the company provides personal insurance, including automobile, homeowners, boat, recreational vehicle, landlord, and umbrella coverage; commercial insurance, such as property, liability, automobile, inland marine, workers compensation, bonds, crop, and umbrella insurance products; and financial services comprising life and disability insurance, Medicare supplements, long-term care, annuities, mutual funds, and retirement programs. Further, it offers customized investment management, investment consulting and advisory, and wealth management services, as well as retirement plan services; and invests in various securities. As of February 28, 2018, the company operated a network of approximately 50 offices throughout Western and Central New York State. Financial Institutions, Inc. was founded in 1817 and is headquartered in Warsaw, New York.

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