Comparing International Bancshares (NASDAQ:IBOC) & Chino Commercial Bancorp (OTCMKTS:CCBC)

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

Institutional & Insider Ownership

65.9% of International Bancshares shares are owned by institutional investors. 13.4% of International Bancshares shares are owned by company insiders. Comparatively, 32.5% of Chino Commercial Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.

Earnings and Valuation

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

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
International Bancshares	$1.06 billion	4.26	$412.29 million	$6.62	10.92
Chino Commercial Bancorp	$25.55 million	2.30	$5.84 million	$1.82	10.08

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

Volatility and Risk

International Bancshares has a beta of 0.69, indicating that its share price is 31% less volatile than the S&P 500. Comparatively, Chino Commercial Bancorp has a beta of 0.06, indicating that its share price is 94% less volatile than the S&P 500.

Analyst Ratings

This is a breakdown of current ratings and price targets for International Bancshares and Chino Commercial Bancorp, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
International Bancshares	0	0	1	0	3.00
Chino Commercial Bancorp	0	0	0	0	0.00

International Bancshares currently has a consensus target price of $85.00, suggesting a potential upside of 17.55%. Given International Bancshares’ stronger consensus rating and higher possible upside, equities analysts clearly believe International Bancshares is more favorable than Chino Commercial Bancorp.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
International Bancshares	39.04%	13.41%	2.50%
Chino Commercial Bancorp	22.88%	N/A	N/A

Summary

International Bancshares beats Chino Commercial Bancorp on 13 of the 14 factors compared between the two stocks.

About International Bancshares

International Bancshares Corporation, a financial holding company, provides commercial and retail banking services in Texas and the State of Oklahoma. It accepts checking and saving deposits; and offers commercial, real estate, personal, home improvement, automobile, and other installment and term loans. The company also provides international banking services, including letters of credit, commercial and industrial loans, and foreign exchange services. In addition, it offers other banking related services, such as credit cards, safety deposit boxes, collection, notary public, escrow, drive up and walk up facilities, and other customary banking services; and Internet banking services, as well as securities products through third party providers. The company was founded in 1966 and is headquartered in Laredo, Texas.

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.