OTCPK:ALBY

Stock Analysis Report

Community Capital Bancshares

Executive Summary

Community Capital Bancshares, Inc. operates as the holding company for AB&T National Bank that provides various banking products and services.


Snowflake Analysis

Weak fundamentals or lack of information.

Share Price & News

How has Community Capital Bancshares's share price performed over time and what events caused price changes?


Latest Share Price and Events

Stable Share Price: ALBY has not had significant price volatility in the past 3 months.


Market Performance


7 Day Return

5.5%

ALBY

16.8%

US Banks

12.5%

US Market


1 Year Return

1.1%

ALBY

-26.9%

US Banks

-12.7%

US Market

Return vs Industry: ALBY exceeded the US Banks industry which returned -26.9% over the past year.

Return vs Market: ALBY exceeded the US Market which returned -12.7% over the past year.


Shareholder returns

ALBYIndustryMarket
7 Day5.5%16.8%12.5%
30 Day-13.1%-24.7%-14.7%
90 Day-16.5%-38.6%-21.5%
1 Year2.1%1.1%-24.8%-26.9%-10.9%-12.7%
3 Year4.3%3.2%-16.9%-23.0%12.6%5.4%
5 Year76.4%74.5%12.0%-0.7%31.9%17.5%

Price Volatility Vs. Market

How volatile is Community Capital Bancshares's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Community Capital Bancshares undervalued compared to its fair value and its price relative to the market?


In this section, we usually try to help investors determine whether Community Capital Bancshares is trading at an attractive price based on the cash flow it is expected to produce in the future. But as Community Capital Bancshares has not provided consistent financial data, and the stock also has no analyst forecast or coverage, its intrinsic value cannot be reliably calculated by extrapolating past data or using analyst consensus cash flow predictions.

This is quite a rare situation as 89% of companies covered by Simply Wall St do have a valuation analysis.


Next Steps

  • Take a look at our analysis of ALBY’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • When valuing a company like this, investors focus more on how they perceive the size of the opportunity, the company's ability to deliver and scale, and the strength of the team. While we are not analysing this type of data at the moment, if you don’t know where to start, we recommend reading through Community Capital Bancshares regulatory filings here.
  • Explore potentially undervalued companies in the Banks industry.

Future Growth

How is Community Capital Bancshares forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

-1.1%

Forecasted Banks industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Community Capital Bancshares has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Next Steps

  • Take a look at our analysis of ALBY’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website. If you are looking for more of a qualitative research into the company, you can access Community Capital Bancshares's filings and announcements here.
  • Explore growth companies in the Banks industry.

Past Performance

How has Community Capital Bancshares performed over the past 5 years?

16.3%

Historical Banks annual earnings growth


In this section we usually display a company’s past earnings and revenues to help investors visualise the trend through time. We also gauge the company’s performance by benchmarking its returns and growth to its industry peers and the wider market. However, Community Capital Bancshares has not provided sufficient past data to assess its track record.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have historical data.


Next Steps

  • When a company lacks a financial track record, its management’s track record becomes important. Corporate governance also plays an important role in a young business as board members are seen as highly-experienced leaders to help steer the company into the future. Take a look at Community Capital Bancshares's' management and board experience and expertise to assess their ability to deliver on their strategic promises.
  • While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website. If you are looking for more of a qualitative research into the company, you can access Community Capital Bancshares's filings and announcements here.
  • Explore strong past performing companies in the Banks industry.

Financial Health

How is Community Capital Bancshares's financial position? (This company is analysed differently as a bank or financial institution)


In this section we usually analyse Community Capital Bancshares's finance health to determine how well-positioned it is against times of financial distress, in particular, its ability to manage its cash and debt levels. Community Capital Bancshares has not provided adequate balance sheet data, its financial health cannot be properly assessed as it.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have financial information.


Next Steps

  • Take a look at our analysis of ALBY’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
  • Investors tend to look at the financial health of a company this size in order to assess the sustainability of its current operations. While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website.
  • Financial health is measured at one point in time, so the latest financial report is the best representation of the company’s current financial status. Check when Community Capital Bancshares's financial data was last updated here.
  • Explore more healthy companies in the Banks industry.

Dividend

What is Community Capital Bancshares's current dividend yield, its reliability and sustainability?


Dividend Yield vs Market

Notable Dividend: Unable to evaluate ALBY's dividend yield against the bottom 25% of dividend payers, as the company has not reported any payouts.

High Dividend: Unable to evaluate ALBY's dividend yield against the top 25% of dividend payers, as the company has not reported any payouts.


Stability and Growth of Payments

Stable Dividend: Insufficient data to determine if ALBY's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if ALBY's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of ALBY's dividend in 3 years as they are not forecast to pay a notable one for the US market.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

5.5yrs

Average board tenure


CEO

Luke Flatt (65yo)

10.92s

Tenure

Mr. James L. Flatt, also known as Luke, serves as Chairman, President and Chief Executive Officer of Community Capital Bancshares, Inc. Mr. Flatt serves as Chairman of the Board, President and Chief Execut ...


Board Members

NamePositionTenureCompensationOwnership
James Flatt
Chairman10.92yrsno data3.19% $384.4k
Mary Dykes
Director22.17yrsUS$7.15k0.77% $93.4k
Lawrence Willson
Director22.17yrsUS$7.75k1.3% $157.3k
Walker Davis
Vice Chairman of the Board3.75yrsno data1.35% $163.2k
James Bacon
Director7.75yrsno data0.078% $9.5k
F. Middleton
Independent Director7.17yrsno data0.15% $17.7k
Ben Barrow
Director4.83yrsno data0.28% $34.3k
Justin Jones
Director4.83yrsno data0.020% $2.4k
William McAfee
Independent Director6.17yrsno data0.19% $22.5k
John Reese
Director4.83yrsno data0.069% $8.3k

5.5yrs

Average Tenure

51.5yo

Average Age

Experienced Board: ALBY's board of directors are considered experienced (5.5 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown

Dilution of Shares: Insufficient data to determine if shareholders have been diluted in the past year.


Top Shareholders

Company Information

Community Capital Bancshares, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Community Capital Bancshares, Inc.
  • Ticker: ALBY
  • Exchange: OTCPK
  • Founded: 1998
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$12.065m
  • Shares outstanding: 1.26m
  • Website: https://www.abtgold.com

Location

  • Community Capital Bancshares, Inc.
  • 2815 Meredyth Drive
  • PO Drawer 71269
  • Albany
  • Georgia
  • 31708
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
ALBYOTCPK (Pink Sheets LLC)YesCommon SharesUSUSDMar 1999

Biography

Community Capital Bancshares, Inc. operates as the holding company for AB&T National Bank that provides various banking products and services. It accepts various deposit products, including checking and savings accounts. The company also offers lending products, such as equipment, commercial real estate, construction, home, signature, vehicle, mortgage, and home improvement loans, as well as other lending solutions; and commercial lines of credit, personal, and home equity lines of credit. In addition, it provides remote deposit capture, ACH origination, merchant card, online bill pay, and trust and planning services, as well as online, mobile, and text message banking services. The company was incorporated in 1998 and is headquartered in Albany, Georgia. 


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/03/30 00:56
End of Day Share Price2020/03/24 00:00
Earnings2008/09/30
Annual Earnings2007/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.