Community Capital Bancshares (ALBY) and Its Competitors Critical Analysis

Community Capital Bancshares (OTCMKTS:ALBY) is one of 174 publicly-traded companies in the “National commercial banks” industry, but how does it compare to its peers? We will compare Community Capital Bancshares to related businesses based on the strength of its analyst recommendations, profitability, valuation, institutional ownership, dividends, risk and earnings.

Institutional & Insider Ownership

54.5% of shares of all “National commercial banks” companies are held by institutional investors. 42.4% of Community Capital Bancshares shares are held by insiders. Comparatively, 8.5% of shares of all “National commercial banks” companies 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.

Analyst Recommendations

This is a breakdown of current ratings and target prices for Community Capital Bancshares and its peers, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Community Capital Bancshares	0	0	0	0	N/A
Community Capital Bancshares Competitors	1425	8106	6815	289	2.36

As a group, “National commercial banks” companies have a potential upside of 0.87%. Given Community Capital Bancshares’ peers higher possible upside, analysts plainly believe Community Capital Bancshares has less favorable growth aspects than its peers.

Dividends

Community Capital Bancshares pays an annual dividend of $0.75 per share and has a dividend yield of 4.0%. Community Capital Bancshares pays out 24.0% of its earnings in the form of a dividend. As a group, “National commercial banks” companies pay a dividend yield of 2.6% and pay out 32.3% of their earnings in the form of a dividend. Community Capital Bancshares is clearly a better dividend stock than its peers, given its higher yield and lower payout ratio.

Profitability

This table compares Community Capital Bancshares and its peers’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Community Capital Bancshares	N/A	N/A	N/A
Community Capital Bancshares Competitors	14.94%	9.83%	0.95%

Valuation & Earnings

This table compares Community Capital Bancshares and its peers gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Net Income	Price/Earnings Ratio
Community Capital Bancshares	$15.03 million	$4.07 million	5.95
Community Capital Bancshares Competitors	$9.40 billion	$1.91 billion	12.64

Community Capital Bancshares’ peers have higher revenue and earnings than Community Capital Bancshares. Community Capital Bancshares is trading at a lower price-to-earnings ratio than its peers, indicating that it is currently more affordable than other companies in its industry.

Risk & Volatility

Community Capital Bancshares has a beta of 0.55, meaning that its stock price is 45% less volatile than the S&P 500. Comparatively, Community Capital Bancshares’ peers have a beta of 0.82, meaning that their average stock price is 18% less volatile than the S&P 500.

Summary

Community Capital Bancshares peers beat Community Capital Bancshares on 9 of the 12 factors compared.

Community Capital Bancshares Company Profile

Community Capital Bancshares, Inc. operates as the holding company for AB&T that provides various banking products and services to individual and corporate customers. The company accepts various deposit products, such as checking, savings, money market, and individual retirement accounts, as well as certificates of deposits. Its loan products include commercial and residential real estate, commercial, financial, agricultural, consumer installment, overdrafts and other revolving credit, and educational loans. The company also offers money transfer, bill pay, remote deposit capture, ACH origination, and merchant services, as well as online, mobile, and text message banking services. The company was incorporated in 1998 and is based in Albany, Georgia.