Reviewing First Commonwealth Financial (NYSE:FCF) and Community Capital Bancshares (OTCMKTS:ALBY)

Community Capital Bancshares (OTCMKTS:ALBY) and First Commonwealth Financial (NYSE:FCF) are both small-cap finance companies, but which is the superior stock? We will contrast the two businesses based on the strength of their valuation, analyst recommendations, dividends, earnings, profitability, risk and institutional ownership.

Volatility & Risk

Community Capital Bancshares has a beta of 0.54, meaning that its share price is 46% less volatile than the S&P 500. Comparatively, First Commonwealth Financial has a beta of 0.85, meaning that its share price is 15% less volatile than the S&P 500.

Dividends

Community Capital Bancshares pays an annual dividend of $0.75 per share and has a dividend yield of 3.9%. First Commonwealth Financial pays an annual dividend of $0.52 per share and has a dividend yield of 3.5%. First Commonwealth Financial pays out 32.3% of its earnings in the form of a dividend.

Profitability

This table compares Community Capital Bancshares and First Commonwealth Financial’s 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
First Commonwealth Financial	24.96%	12.89%	1.44%

Valuation and Earnings

This table compares Community Capital Bancshares and First Commonwealth Financial’s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Community Capital Bancshares	N/A	N/A	N/A	N/A	N/A
First Commonwealth Financial	$626.61 million	2.44	$157.06 million	$1.61	9.29

First Commonwealth Financial has higher revenue and earnings than Community Capital Bancshares.

Insider and Institutional Ownership

72.6% of First Commonwealth Financial shares are held by institutional investors. 42.4% of Community Capital Bancshares shares are held by insiders. Comparatively, 2.0% of First Commonwealth Financial shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.

Analyst Recommendations

This is a breakdown of current ratings and recommmendations for Community Capital Bancshares and First Commonwealth Financial, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Community Capital Bancshares	0	0	0	0	N/A
First Commonwealth Financial	0	0	2	0	3.00

First Commonwealth Financial has a consensus target price of $16.25, indicating a potential upside of 8.62%. Given First Commonwealth Financial’s higher probable upside, analysts plainly believe First Commonwealth Financial is more favorable than Community Capital Bancshares.

Summary

First Commonwealth Financial beats Community Capital Bancshares on 8 of the 11 factors compared between the two stocks.

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.

About First Commonwealth Financial

First Commonwealth Financial Corporation, a financial holding company, provides various consumer and commercial banking services in the United States. Its consumer services include personal checking accounts, interest-earning checking accounts, savings and health savings accounts, insured money market accounts, debit cards, investment certificates, fixed and variable rate certificates of deposit, mortgage loans, secured and unsecured installment loans, construction and real estate loans, safe deposit facilities, credit cards, credit lines with overdraft checking protection, IRA accounts, and automated teller machine (atm) services, as well as internet, mobile, and telephone banking services. The company's commercial banking services comprise commercial lending, business checking accounts, online account management services, payroll direct deposits, commercial cash management services, and repurchase agreements, as well as ACH origination services. In addition, it offers various trust and asset management services; auto, home, and business insurance, as well as term life insurance; and annuities, mutual funds, and stock and bond brokerage services through a broker-dealer and insurance brokers. The company was founded in 1934 and is headquartered in Indiana, Pennsylvania.