Community Capital Bancshares, Inc. (ALBY)
For informational purposes only. Not financial advice. Analysis by Sedat Aydin, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Community Capital Bancshares, Inc. (ALBY) trades at $29.75 with AI Score 51/100 (Hold). Community Capital Bancshares, Inc. is the holding company for AB&T, providing banking products and services to individual and corporate customers. Market cap: 38M, Sector: Financial services.
Last analyzed: Mar 15, 2026Community Capital Bancshares, Inc. (ALBY) Financial Services Profile
Community Capital Bancshares, Inc., operating as AB&T, provides banking services in Albany, Georgia, offering deposit and loan products to individuals and businesses. With a P/E ratio of 7.81 and a dividend yield of 6.78%, the company distinguishes itself through a community-focused approach in the regional banking sector.
Investment Thesis
Community Capital Bancshares, Inc. presents a focused investment opportunity within the regional banking sector. The company's attractive dividend yield of 6.78% and a P/E ratio of 7.81 may appeal to value-oriented investors. Growth catalysts include expanding its digital banking services and increasing its commercial loan portfolio within the Albany, Georgia region. A profit margin of 38.7% indicates efficient operations. However, potential investors may want to evaluate the risks associated with the OTC market and the company's relatively small market capitalization of $0.04 billion. Monitoring the company's ability to maintain asset quality and navigate regulatory changes is crucial. Successfully executing its growth strategies while managing risks will be key to long-term value creation.
Based on FMP financials and quantitative analysis
Key Highlights
- Market Cap of $0.04 billion reflects its position as a small community bank.
- P/E ratio of 7.81 suggests a potentially undervalued stock compared to its earnings.
- Profit Margin of 38.7% indicates strong profitability compared to the industry average.
- Gross Margin of 100.0% reflects the nature of banking operations where revenue is primarily interest income.
- Dividend Yield of 6.78% offers an attractive income stream for investors.
Competitors & Peers
Strengths
- Strong local presence and community relationships.
- Personalized customer service.
- Stable deposit base.
- High gross margin of 100.0%.
Weaknesses
- Small market capitalization of $0.04 billion.
- Limited geographic reach.
- Dependence on the local economy of Albany, Georgia.
- OTC market listing may limit investor access.
Catalysts
- Ongoing: Expansion of digital banking services to attract new customers and improve efficiency.
- Ongoing: Increased commercial lending activities to drive revenue growth.
- Upcoming: Potential strategic partnerships with local businesses to expand market reach.
- Upcoming: Introduction of new financial products and services to diversify revenue streams.
- Ongoing: Efforts to maintain asset quality and manage risk effectively.
Risks
- Potential: Economic downturn in the Albany, Georgia area impacting loan performance.
- Potential: Increased competition from larger regional and national banks.
- Potential: Regulatory changes impacting the banking industry.
- Ongoing: Cybersecurity risks and data breaches.
- Ongoing: Limited liquidity and price volatility due to OTC market listing.
Growth Opportunities
- Expansion of Digital Banking Services: Investing in and promoting its online, mobile, and text message banking services can attract younger, tech-savvy customers and improve efficiency. The digital banking market is projected to reach $9 trillion in transaction value by 2027. By enhancing its digital offerings, Community Capital Bancshares can increase its market share and reduce operational costs.
- Increased Commercial Lending: Focusing on expanding its commercial loan portfolio within the Albany, Georgia region can drive revenue growth. The small business lending market is expected to grow as the local economy expands. By offering competitive rates and personalized service, Community Capital Bancshares can attract more commercial clients and increase its loan volume.
- Strategic Partnerships: Collaborating with local businesses and community organizations can enhance its brand reputation and customer base. Partnering with real estate developers, agricultural businesses, and other local entities can create mutually beneficial relationships and drive new business opportunities. These partnerships can also provide access to new markets and customer segments.
- Product Diversification: Introducing new financial products and services, such as wealth management and insurance products, can increase revenue streams and customer loyalty. Offering a broader range of services can attract a wider customer base and increase cross-selling opportunities. This diversification can also reduce reliance on traditional banking products and services.
- Geographic Expansion: Expanding its branch network or acquiring other community banks in nearby areas can increase its market presence and customer reach. Identifying underserved markets and establishing a physical presence can drive deposit growth and loan volume. This expansion should be carefully managed to ensure profitability and maintain asset quality.
Opportunities
- Expansion of digital banking services.
- Increased commercial lending.
- Strategic partnerships with local businesses.
- Product diversification into wealth management and insurance.
Threats
- Competition from larger regional and national banks.
- Economic downturn in the Albany, Georgia area.
- Regulatory changes impacting the banking industry.
- Cybersecurity risks and data breaches.
Competitive Advantages
- Strong local presence and community relationships in Albany, Georgia.
- Personalized customer service that differentiates it from larger banks.
- Established reputation and brand recognition in the local market.
- Access to a stable deposit base from local residents and businesses.
About ALBY
Community Capital Bancshares, Inc., incorporated in 1998 and based in Albany, Georgia, functions as the holding company for AB&T. The bank provides a suite of banking products and services tailored to individual and corporate clients. Its deposit products include checking, savings, money market, and individual retirement accounts, alongside certificates of deposit. On the lending side, the company offers commercial and residential real estate loans, commercial, financial, agricultural, consumer installment, overdrafts and other revolving credit, and educational loans. AB&T also provides modern banking conveniences such as money transfer, bill pay, remote deposit capture, ACH origination, and merchant services. The bank ensures accessibility through online, mobile, and text message banking platforms. With a focus on serving the Albany, Georgia community, Community Capital Bancshares aims to provide personalized banking experiences while leveraging technology to meet evolving customer needs. The company's commitment to its local market differentiates it from larger regional and national banks.
What They Do
- Accepts deposits in checking, savings, money market, and individual retirement accounts.
- Offers certificates of deposit.
- Provides commercial and residential real estate loans.
- Offers commercial, financial, and agricultural loans.
- Provides consumer installment and educational loans.
- Offers money transfer, bill pay, and remote deposit capture services.
- Provides ACH origination and merchant services.
- Offers online, mobile, and text message banking services.
Business Model
- Generates revenue through interest income from loans.
- Earns fees from services like money transfer, bill pay, and merchant services.
- Attracts deposits to fund lending activities.
- Manages risk through underwriting and loan portfolio diversification.
Industry Context
Community Capital Bancshares, Inc. operates within the regional banking sector, which is characterized by intense competition and evolving customer expectations. The industry is undergoing digital transformation, with fintech companies challenging traditional banking models. Community banks like AB&T differentiate themselves through personalized service and local market expertise. The regional banking sector is influenced by interest rate fluctuations, regulatory changes, and economic conditions. Community Capital Bancshares competes with larger regional banks and smaller community banks in the Albany, Georgia area.
Key Customers
- Individual customers seeking deposit accounts and loans.
- Commercial clients requiring financing for their businesses.
- Agricultural businesses needing loans for farming operations.
- Local residents in the Albany, Georgia area.
Financials
Chart & Info
Community Capital Bancshares, Inc. (ALBY) stock price: $29.75 (-0.97, -3.23%)
Latest News
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Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for ALBY.
Price Targets
Wall Street price target analysis for ALBY.
MoonshotScore
What does this score mean?
The MoonshotScore rates ALBY's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Competitors & Peers
Latest News
Leadership: R. Perry Revell
CEO
R. Perry Revell serves as the CEO of Community Capital Bancshares, Inc., managing a team of 84 employees. His career reflects a deep understanding of community banking and financial services. He has been instrumental in guiding the company's strategic direction and fostering its relationships within the Albany, Georgia community. Revell's leadership emphasizes a commitment to personalized customer service and sustainable growth.
Track Record: Under R. Perry Revell's leadership, Community Capital Bancshares has maintained a strong focus on serving the local community and delivering consistent financial performance. Key achievements include navigating economic challenges and maintaining asset quality. His strategic decisions have contributed to the company's stability and its ability to provide essential banking services to its customers.
ALBY OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that Community Capital Bancshares, Inc. may not meet the minimum financial standards or disclosure requirements of higher tiers like OTCQX or OTCQB. Companies in this tier often have limited trading volume and may not be subject to the same regulatory oversight as companies listed on major exchanges like the NYSE or NASDAQ. This tier is typically associated with higher risk and requires careful due diligence by investors.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited liquidity and potential price volatility due to OTC market listing.
- Lack of regulatory oversight and financial disclosure requirements.
- Potential for fraud and manipulation in the OTC market.
- Difficulty in obtaining reliable information about the company.
- Higher risk of delisting or going out of business.
- Verify the company's financial statements and disclosures.
- Research the background and reputation of the management team.
- Assess the company's business model and competitive landscape.
- Evaluate the company's risk factors and potential liabilities.
- Monitor trading volume and price activity.
- Consult with a qualified financial advisor.
- Understand the risks associated with investing in OTC stocks.
- Established history of operations in the Albany, Georgia area.
- Membership in local business organizations and community involvement.
- Positive reputation among local customers and businesses.
- Audited financial statements (if available).
- Experienced management team with a track record in banking.
Common Questions About ALBY
What does Community Capital Bancshares, Inc. do?
Community Capital Bancshares, Inc., through its subsidiary AB&T, provides a range of banking products and services to individuals and businesses in Albany, Georgia. These services include deposit accounts, loans, and digital banking solutions. The company focuses on building strong relationships with its local customers and supporting the economic growth of the community. Its business model centers on attracting deposits and lending those funds to generate interest income, while also earning fees from various banking services.
What do analysts say about ALBY stock?
There is limited analyst coverage available for Community Capital Bancshares, Inc. (ALBY) due to its small market capitalization and OTC market listing. Key valuation metrics include a P/E ratio of 7.81 and a dividend yield of 6.78%. Investors may want to evaluate the company's growth potential in the Albany, Georgia region, as well as the risks associated with its OTC market listing. Further research and due diligence are recommended before making any investment decisions.
What are the main risks for ALBY?
The main risks for Community Capital Bancshares, Inc. include its small market capitalization, limited geographic reach, and dependence on the local economy of Albany, Georgia. The company also faces competition from larger regional and national banks, as well as regulatory changes impacting the banking industry. Additionally, its OTC market listing exposes it to liquidity risks and potential price volatility. Cybersecurity risks and data breaches also pose a threat to its operations and reputation. Investors should carefully consider these risks before investing in ALBY.
What are the key factors to evaluate for ALBY?
Community Capital Bancshares, Inc. (ALBY) currently holds an AI score of 51/100, indicating moderate score. The stock trades at a P/E of 7.8x, below the S&P 500 average (~20-25x), potentially signaling value. Key strength: Strong local presence and community relationships.. Primary risk to monitor: Potential: Economic downturn in the Albany, Georgia area impacting loan performance.. This is not financial advice.
How frequently does ALBY data refresh on this page?
ALBY prices update in real time during U.S. market hours (9:30 AM-4:00 PM ET, weekdays). Fundamentals refresh after quarterly or annual filings. Analyst ratings and AI insights update daily. News is aggregated continuously from financial sources.
What has driven ALBY's recent stock price performance?
Recent price movement in Community Capital Bancshares, Inc. (ALBY) can be influenced by earnings results, analyst revisions, sector rotation, and broader market sentiment. Notable catalyst: Strong local presence and community relationships.. Check the News and Technical Analysis tabs for the latest drivers. Past performance does not predict future results.
Should investors consider ALBY overvalued or undervalued right now?
Determining whether Community Capital Bancshares, Inc. (ALBY) is overvalued or undervalued requires examining multiple metrics. Its P/E ratio is 7.8. Compare valuation ratios (P/E, P/S, EV/EBITDA) against sector peers for a comprehensive view.
What research should beginners do before buying ALBY?
Before investing in Community Capital Bancshares, Inc. (ALBY), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on available data and may be subject to change.
- OTC market data may be less reliable than exchange-listed data.
- Analyst coverage may be limited due to the company's size and market listing.