Community Capital Bancshares (OTCMKTS:ALBY) vs. Pacific Valley Bancorp (OTCMKTS:PVBK) Financial Analysis

Institutional and Insider Ownership

2.8% of Pacific Valley Bancorp shares are owned by institutional investors. 42.4% of Community Capital Bancshares shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.

Risk and Volatility

Community Capital Bancshares has a beta of 0.54, suggesting that its stock price is 46% less volatile than the S&P 500. Comparatively, Pacific Valley Bancorp has a beta of 0.35, suggesting that its stock price is 65% less volatile than the S&P 500.

Earnings and Valuation

This table compares Community Capital Bancshares and Pacific Valley Bancorp”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Community Capital Bancshares	$15.03 million	1.72	$4.07 million	$3.22	6.21
Pacific Valley Bancorp	$27.51 million	1.75	$4.85 million	$0.92	10.66

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

Profitability

This table compares Community Capital Bancshares and Pacific Valley Bancorp’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
Pacific Valley Bancorp	15.07%	N/A	N/A

Summary

Pacific Valley Bancorp beats Community Capital Bancshares on 6 of the 9 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 Pacific Valley Bancorp

Pacific Valley Bancorp operates as the bank holding company for Pacific Valley Bank that provides various banking products and services in the United States. The company offers personal and business banking, including checking accounts, savings and money market accounts, and certificates of deposit; and online solutions, such as online and mobile banking, bill pay, remote deposit capture, positive pay, e-statements, and order checks. It also provides commercial or agriculture lines of credit, commercial or agriculture terms loans, commercial constructions loans, agriculture production lending, and government guaranteed loan programs; and debit card, incoming wire instructions, ATM locator, fraud prevention, identity theft, and FDIC insurance estimator services. The company was founded in 2004 and is headquartered in Salinas, California.