Analyzing Community Capital Bancshares (ALBY) and Its Competitors

Insider and Institutional Ownership

54.5% of shares of all “National commercial banks” companies are owned by institutional investors. 42.4% of Community Capital Bancshares shares are owned by insiders. Comparatively, 8.7% of shares of all “National commercial banks” companies are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

Volatility and Risk

Community Capital Bancshares has a beta of 0.54, suggesting that its share price is 46% less volatile than the S&P 500. Comparatively, Community Capital Bancshares’ rivals have a beta of 0.79, suggesting that their average share price is 21% 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 3.7%. Community Capital Bancshares pays out 23.3% of its earnings in the form of a dividend. As a group, “National commercial banks” companies pay a dividend yield of 2.4% and pay out 33.4% of their earnings in the form of a dividend. Community Capital Bancshares is clearly a better dividend stock than its rivals, given its higher yield and lower payout ratio.

Profitability

This table compares Community Capital Bancshares and its rivals’ 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	14.55%	9.72%	0.95%

Valuation & Earnings

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

	Gross Revenue	Net Income	Price/Earnings Ratio
Community Capital Bancshares	$15.03 million	$4.07 million	6.29
Community Capital Bancshares Competitors	$164.00 billion	$1.86 billion	26.86

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

Summary

Community Capital Bancshares rivals beat Community Capital Bancshares on 8 of the 11 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.