Comparing Community Capital Bancshares (ALBY) and Its Competitors

Community Capital Bancshares (OTCMKTS:ALBY) is one of 179 public companies in the “National commercial banks” industry, but how does it contrast to its peers? We will compare Community Capital Bancshares to similar businesses based on the strength of its institutional ownership, valuation, profitability, dividends, earnings, risk and analyst recommendations.

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 33.0% 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.

Volatility and Risk

Community Capital Bancshares has a beta of 0.55, meaning that its share 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 share price is 18% less volatile than the S&P 500.

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	14.85%	9.75%	0.94%

Analyst Recommendations

This is a breakdown of recent ratings and price targets for Community Capital Bancshares and its peers, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Community Capital Bancshares	0	0	0	0	N/A
Community Capital Bancshares Competitors	1512	8446	7157	294	2.36

As a group, “National commercial banks” companies have a potential downside of 1.03%. Given Community Capital Bancshares’ peers higher probable upside, analysts plainly believe Community Capital Bancshares has less favorable growth aspects than its peers.

Institutional & Insider Ownership

54.3% of shares of all “National commercial banks” companies are owned by institutional investors. 42.4% of Community Capital Bancshares shares are owned by company insiders. Comparatively, 8.7% of shares of all “National commercial banks” companies are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.

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	6.01
Community Capital Bancshares Competitors	$30.37 billion	$1.89 billion	26.38

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.

Summary

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

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.