ALBY Stock Overview

Operates as the holding company for AB&T that provides various banking products and services to individual and corporate customers. More details

ALBY fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	0/6
Past Performance	2/6
Financial Health	0/6
Dividends	2/6

Rewards

Price-To-Earnings ratio (7x) is below the US market (18.9x)

Risk Analysis

Does not have a meaningful market cap ($29M)

My Notes

Capture your thoughts, links and company narrative

Community Capital Bancshares, Inc. Competitors

Infinity Bancorp

OTCPK:INFT

US$29.8m

Elmer Bancorp

OTCPK:ELMA

US$25.6m

PB Bankshares

NasdaqCM:PBBK

US$34.8m

HCB Financial

OTCPK:HCBN

US$35.7m

Price History & Performance

Summary of share price highs, lows and changes for Community Capital Bancshares
Historical stock prices
Current Share Price	US$22.50
52 Week High	US$22.50
52 Week Low	US$17.30
Beta	0.51
1 Month Change	2.32%
3 Month Change	13.92%
1 Year Change	23.29%
3 Year Change	73.08%
5 Year Change	101.79%
Change since IPO	-35.71%

Recent updates

Shareholder Returns

	ALBY	US Banks	US Market
7D	2.1%	0.9%	-0.9%
1Y	23.3%	41.1%	22.6%

Return vs Industry: ALBY underperformed the US Banks industry which returned 42.2% over the past year.

Return vs Market: ALBY underperformed the US Market which returned 24.3% over the past year.

Price Volatility

Is ALBY's price volatile compared to industry and market?
ALBY volatility
ALBY Average Weekly Movement	n/a
Banks Industry Average Movement	5.1%
Market Average Movement	6.4%
10% most volatile stocks in US Market	18.7%
10% least volatile stocks in US Market	3.2%

Stable Share Price: Data is not available.

Volatility Over Time: Insufficient data to determine ALBY's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1998	n/a	R. Revell	www.abtgold.com

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.

Community Capital Bancshares, Inc. Fundamentals Summary

How do Community Capital Bancshares's earnings and revenue compare to its market cap?
ALBY fundamental statistics
Market cap	US$29.00m
Earnings (TTM)	US$4.13m
Revenue (TTM)	US$11.61m

7.0x

P/E Ratio

0.0x

P/B Ratio

Is ALBY overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
ALBY income statement (TTM)
Revenue	US$11.61m
Cost of Revenue	US$0
Gross Profit	US$11.61m
Other Expenses	US$7.48m
Earnings	US$4.13m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	3.21
Gross Margin	100.00%
Net Profit Margin	35.60%
Debt/Equity Ratio	0.0%

How did ALBY perform over the long term?

See historical performance and comparison

Dividends

3.3%

Current Dividend Yield

24%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/02/01 12:19
End of Day Share Price	2025/01/30 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Community Capital Bancshares, Inc. is covered by 1 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
null null	FIG Partners

Community Capital Bancshares OTCPK:ALBY Stock Report