Analyzing Park National (NYSE:PRK) & Chino Commercial Bancorp (OTCMKTS:CCBC)

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

Insider & Institutional Ownership

62.7% of Park National shares are held by institutional investors. 2.7% of Park National 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 endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.

Profitability

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

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

Analyst Recommendations

This is a breakdown of current ratings and recommmendations for Park National and Chino Commercial Bancorp, as reported by MarketBeat.com.

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

Park National presently has a consensus price target of $130.00, suggesting a potential upside of 4.46%. Given Park National’s higher probable upside, analysts plainly believe Park National is more favorable than Chino Commercial Bancorp.

Earnings and Valuation

This table compares Park National and Chino Commercial Bancorp’s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Park National	$564.30 million	3.56	$126.73 million	$7.80	15.96
Chino Commercial Bancorp	$21.37 million	N/A	$4.94 million	$1.54	6.51

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.

Risk & Volatility

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

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.