OTC · Banks - Regional

Community Capital Bancshares, Inc. (ALBY) Stock

$32.33 +1.06% OTC: ALBY Financial Services

Community Capital Bancshares, Inc. functions as the holding company for its subsidiary, AB&T, which delivers a comprehensive suite of banking and financial services to a clientele consisting of both individual consumers and corporate businesses.

Valuation

MetricValue
Price$32.33
Market Cap$41.14M
P/E Ratio8.40
P/B Ratio1.34
P/S Ratio3.18
EPS (TTM)$3.85
52-Week High$33.01
52-Week Low$27.28
Dividend Yield6.34%

Financials & Margins

MetricValue
ROE15.99%
ROA1.79%
ROCE2.33%
Gross Margin100.00%
Operating Margin50.47%
Net Margin38.65%
Debt/Equity0.13
Current Ratio6.23

Annual Financials (USD)

Metric20212022202320242025
Revenue$9.0M$10.0M$15.0M$16.0M$13.0M
Operating Profit$3.0M$4.0M$5.0M$12.0M$6.0M
Net Profit$2.0M$3.0M$4.0M$4.0M$5.0M
EPS$1.56$2.19$3.18$3.42$3.78
Op Margin28.1%35.0%35.5%73.3%50.5%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$257.0M$257.0M$250.0M$269.0M$280.0M
Total Liabilities$237.0M$235.0M$225.0M$241.0M$249.0M
Cash$77.0M$26.0M$21.0M$1.0M$1.0M
Borrowings$17.0M$10.0M$9.0M$6.0M$4.0M

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$3.0M$4.0M$5.0M$4.0M$5.0M
Investing Cash Flow$7.0M$-53.0M$2.0M$-14.0M$-21.0M
Financing Cash Flow$-24.0M$7.0M$-11.0M$18.0M$10.0M
Net Cash Flow$-17.0M$-51.0M$-5.0M$0$0
Free Cash Flow$3.0M$4.0M$5.0M$4.0M$5.0M

Valuation & Return Ratios

MetricValue
PEG Ratio0.99
EV / EBITDA
FCF Yield
Quick Ratio
Interest Coverage
Return 1Y13.82%
Return 3Y96.81%
Return 5Y

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
ANDCAndover Bancorp, Inc. $21.00 +0.00% 9.68 $41.84M 3.62%
CIZNCitizens Holding Company $10.50 +2.04% 7.24 $59.05M 0.76%
EXCHExchange Bankshares, Inc. $69.00 +0.00% 0.00 $40.62M 2.55%
HCBNHCB Financial Corp. $73.11 +0.00% 12.76 $73.11M 1.91%
MFBPM&F Bancorp, Inc. $47.80 -0.23% 41.17 $92.59M 0.50%

About Community Capital Bancshares, Inc.

Community Capital Bancshares, Inc. functions as the holding company for its subsidiary, AB&T, which delivers a comprehensive suite of banking and financial services to a clientele consisting of both individual consumers and corporate businesses. The institution facilitates various deposit solutions, such as checking, savings, money market, and individual retirement accounts, alongside certificates of deposit. Its lending portfolio is extensive, covering financing for commercial and residential real estate, general commercial loans, financial loans, agricultural credits, consumer installment loans, overdraft facilities, other revolving credit options, and educational funding. Additionally, the company provides crucial financial tools including money transfers, bill payment, remote check deposit capture, ACH origination, and merchant services. Customers can also access convenient digital banking through online platforms, mobile applications, and text message services. This entity was established in 1998 and is based out of Albany, Georgia.

Community Capital Bancshares, Inc. is headquartered in US.

Community Capital Bancshares, Inc. (ALBY) stock trades at $32.33 with a market capitalization of $41.14M. The stock is valued at a price-to-earnings (P/E) ratio of 8.40, price-to-book of 1.34, price-to-sales of 3.18. Over the past 52 weeks the stock has ranged between $27.28 and $33.01, and currently trades 2.1% below its 52-week high. It pays a dividend yielding 6.34%.

On profitability, Community Capital Bancshares, Inc. generates a return on equity (ROE) of 15.99%, above the typical market average, return on capital employed of 2.33%, an operating margin of 50.47%, a net profit margin of 38.65%.

Official website: www.abtgold.com

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