Community Capital Bancshares (OTCMKTS:ALBY) & Mizuho Financial Group (NYSE:MFG) Financial Analysis

Profitability

This table compares Mizuho Financial Group and Community Capital Bancshares’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Mizuho Financial Group	7.69%	7.74%	0.29%
Community Capital Bancshares	N/A	N/A	N/A

Dividends

Mizuho Financial Group pays an annual dividend of $0.11 per share and has a dividend yield of 2.2%. Community Capital Bancshares pays an annual dividend of $0.75 per share and has a dividend yield of 3.7%. Mizuho Financial Group pays out 29.7% of its earnings in the form of a dividend. Community Capital Bancshares pays out 23.3% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Community Capital Bancshares is clearly the better dividend stock, given its higher yield and lower payout ratio.

Institutional & Insider Ownership

3.3% of Mizuho Financial Group shares are owned by institutional investors. 0.0% of Mizuho Financial Group shares are owned by insiders. Comparatively, 42.4% of Community Capital Bancshares shares are owned by 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.

Volatility and Risk

Mizuho Financial Group has a beta of 0.38, suggesting that its stock price is 62% less volatile than the S&P 500. Comparatively, Community Capital Bancshares has a beta of 0.54, suggesting that its stock price is 46% less volatile than the S&P 500.

Earnings and Valuation

This table compares Mizuho Financial Group and Community Capital Bancshares”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Mizuho Financial Group	$60.60 billion	1.04	$6.30 billion	$0.37	13.46
Community Capital Bancshares	$15.03 million	1.73	$4.07 million	$3.22	6.27

Mizuho Financial Group has higher revenue and earnings than Community Capital Bancshares. Community Capital Bancshares is trading at a lower price-to-earnings ratio than Mizuho Financial Group, indicating that it is currently the more affordable of the two stocks.

Summary

Mizuho Financial Group beats Community Capital Bancshares on 7 of the 13 factors compared between the two stocks.

About Mizuho Financial Group

Mizuho Financial Group, Inc., together with its subsidiaries, engages in banking, trust, securities, and other businesses related to financial services in Japan, the Americas, Europe, Asia/Oceania, and internationally. It operates through Retail & Business Banking Company, Corporate & Institutional Company, Global Corporate Company, Global Markets Company, Asset Management Company, and Others segments. The company provides deposit products; syndicated, housing, and card loans; business matching services; and advisory services related to overseas expansions, and mergers and acquisitions-related services. It also offers consulting services, including asset management and asset succession; payroll services; and sells lottery tickets issued by prefectures and ordinance-designated cities. In addition, it offers fund management, underwriting of equity and bonds, risk hedging products, etc. for corporate customers; solutions based on capital management, business strategy, and financial strategy; real estate services; advisory services and solutions, such as advice on proposals on various investment products to financial institutions; and financial services that include funding support and public bonds underwriting. Further, the company offers corporate finance and transaction banking srvices; sales and trading services; investment products; pension funds; and ALM and investment services, including stable capital raising and balance sheet management, as well as management of fixed income, equity, and other securities portfolios. Additionally, the company provides online banking, cash management solutions, currency transaction, trade finance, custody, yen correspondence settlement, and research and consulting services; trust, securitization and structured finance, and stock transfers; and private banking and information technology-related services. Mizuho Financial Group, Inc. was founded in 2000 and is headquartered in Tokyo, Japan.

About Community Capital Bancshares

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.