Comparing Park National (NYSE:PRK) and Chino Commercial Bancorp (OTCMKTS:CCBC)

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

Earnings & Valuation

This table compares Chino Commercial Bancorp and Park National’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	N/A	$4.94 million	$1.54	6.56
Park National	$564.30 million	3.58	$126.73 million	$7.80	16.06

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

Analyst Ratings

This is a summary of recent ratings for Chino Commercial Bancorp and Park National, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Chino Commercial Bancorp	0	0	0	0	N/A
Park National	0	1	0	0	2.00

Park National has a consensus price target of $130.00, indicating a potential upside of 3.78%. Given Park National’s higher possible upside, analysts clearly believe Park National is more favorable than Chino Commercial Bancorp.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Chino Commercial Bancorp	23.09%	N/A	N/A
Park National	22.46%	12.17%	1.35%

Insider and Institutional Ownership

62.7% of Park National shares are held by institutional investors. 32.5% of Chino Commercial Bancorp shares are held by insiders. Comparatively, 2.7% of Park National shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

Risk & Volatility

Chino Commercial Bancorp has a beta of 0.49, suggesting that its share price is 51% less volatile than the S&P 500. Comparatively, Park National has a beta of 0.7, suggesting that its share price is 30% less volatile than the S&P 500.

Summary

Park National beats Chino Commercial Bancorp on 9 of the 11 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 Park National

Park National Corporation operates as the bank holding company for Park National Bank that provides commercial banking and trust services in small and medium population areas. The company offers deposits for demand, savings, and time accounts; trust and wealth management services; cash management services; safe deposit operations; electronic funds transfers; Internet and mobile banking solutions with bill pay service; credit cards; and various additional banking-related services. It also provides commercial loans, including financing for industrial and commercial properties, financing for equipment, inventory and accounts receivable, acquisition financing, and commercial leasing, as well as for consumer finance companies; commercial real estate loans comprising mortgage loans to developers and owners of commercial real estate; originates financing leases primarily for the purchase of commercial vehicles, operating/manufacturing equipment, and municipal vehicles/equipment; consumer loans, such as automobile loans; consumer finance services; home equity lines of credit; and residential real estate and construction loans, as well as installment loans and commercial loans. In addition, the company offers aircraft financing services; and ParkDirect, a personal banking application. Park National Corporation was founded in 1908 and is headquartered in Newark, Ohio.