Head to Head Contrast: Valley National Bancorp (NASDAQ:VLY) & Chino Commercial Bancorp (OTCMKTS:CCBC)

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

Risk & Volatility

Chino Commercial Bancorp has a beta of 0.47, suggesting that its stock price is 53% less volatile than the S&P 500. Comparatively, Valley National Bancorp has a beta of 1.07, suggesting that its stock price is 7% more volatile than the S&P 500.

Earnings & Valuation

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

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Chino Commercial Bancorp	$21.37 million	1.98	$4.94 million	$1.54	8.57
Valley National Bancorp	$3.36 billion	1.55	$498.51 million	$0.62	16.53

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

Institutional & Insider Ownership

61.0% of Valley National Bancorp shares are owned by institutional investors. 32.5% of Chino Commercial Bancorp shares are owned by company insiders. Comparatively, 1.9% of Valley National Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Chino Commercial Bancorp	20.17%	N/A	N/A
Valley National Bancorp	9.42%	5.87%	0.62%

Analyst Ratings

This is a breakdown of recent ratings and recommmendations for Chino Commercial Bancorp and Valley National 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
Valley National Bancorp	0	6	2	0	2.25

Valley National Bancorp has a consensus target price of $9.88, indicating a potential downside of 3.66%. Given Valley National Bancorp’s stronger consensus rating and higher probable upside, analysts plainly believe Valley National Bancorp is more favorable than Chino Commercial Bancorp.

Summary

Valley National Bancorp beats Chino Commercial Bancorp on 10 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 Valley National Bancorp

Valley National Bancorp operates as the holding company for Valley National Bank that provides various commercial, private banking, retail, insurance, and wealth management financial services products. It operates through Consumer Banking, Commercial Banking, and Treasury and Corporate other segments. The company offers non-interest bearing, savings, NOW, money market, and time deposit accounts; commercial and industrial, commercial real estate, residential mortgage, and automobile loans; loans secured by the cash surrender value of life insurance; home equity loans and lines of credit; automobile financing; and secured and unsecured other consumer loans. It also invests in various securities and interest-bearing deposits with other banks; and provides international banking services, such as standby and documentary letters of credit, and related products, as well as foreign exchange transactions, documentary collections, and foreign wire transfers services. In addition, the company offers investment services for individuals and small to medium sized businesses; and trusts investment strategies designed for various investment profiles and objectives. Further, it provides trust services, such as living and testamentary trusts, investment management, custodial and escrow services, and estate administration to individuals; tax credit advisory services; brokerage services; property and casualty, life, health, and title insurance agency services; and health care equipment lending and other commercial equipment leasing services, as well as owns real estate related investments. Additionally, the company offers online, mobile, and telephone banking services; receivable, payment, and security solution, merchant, payroll processing, and liquidity services; credit cards; and drive-in and night deposit, automated teller machine, remote deposit capture, and safe deposit facility services. Valley National Bancorp was founded in 1927 and is headquartered in Morristown, New Jersey.